1. Use the United States Rule and/or the Banker's Rule to determine the balance due on the loan at the date of maturity.

To determine the balance due on the loan at the date of maturity, we can use the United States Rule and/or the Banker's Rule.

1. United States Rule:
The United States Rule considers the number of days in a year as 360, divided into 12 equal months of 30 days each. To calculate the balance due, we need to follow these steps:

Step 1: Calculate the interest accrued from the effective date to the partial payment due date (August 30):
Number of days = 161 days (August 30 - March 22)
Interest accrued = Principal * Rate * (Number of days/360)
= 12,000 * 0.095 * (161/360)
= $535.78

Step 2: Subtract the partial payment amount from the principal:
Balance after partial payment = Principal - Partial payment amount
= 12,000 - 7,000
= $5,000

Step 3: Calculate the interest accrued from the partial payment due date to the maturity date (December 5):
Number of days = 97 days (December 5 - August 30)
Interest accrued = Balance after partial payment * Rate * (Number of days/360)
= 5,000 * 0.095 * (97/360)
= $132.74

Step 4: Calculate the total balance due at maturity:
Total balance due = Balance after partial payment + Interest accrued from partial payment period + Interest accrued from maturity period
= 5,000 + 535.78 + 132.74
= $5,668.52

2. Banker's Rule:
The Banker's Rule considers the actual number of days in a month and adjusts it for leap years. To calculate the balance due, we need to follow these steps:

Step 1: Calculate the interest accrued from the effective date to the partial payment due date (August 30):
Number of days = 161 days (August 30 - March 22)
Interest accrued = Principal * Rate * (Number of days/365)
= 12,000 * 0.095 * (161/365)
= $533.92

Step 2: Subtract the partial payment amount from the principal:
Balance after partial payment = Principal - Partial payment amount
= 12,000 - 7,000
= $5,000

Step 3: Calculate the interest accrued from the partial payment due date to the maturity date (December 5):
Number of days = 97 days (December 5 - August 30)
Interest accrued = Balance after partial payment * Rate * (Number of days/365)
= 5,000 * 0.095 * (97/365)
= $129.15

Step 4: Calculate the total balance due at maturity:
Total balance due = Balance after partial payment + Interest accrued from partial payment period + Interest accrued from maturity period
= 5,000 + 533.92 + 129.15
= $5,663.07

Therefore, the balance due on the loan at the date of maturity is approximately $5,663.07, using the Banker's Rule.