Step 1 :Use the formula for continuous compounding interest: \(A = P \cdot e^{rt}\)
Step 2 :Let \(P = 12000\), \(r = 0.0395\), and \(t = 7\)
Step 3 :Calculate the amount accrued: \(A = 12000 \cdot e^{0.0395 \cdot 7}\)
Step 4 :Round the final answer to the nearest dollar: \(A \approx 15822\)
Step 5 :The final amount accrued in 7 years at \(3.95\%\) interest compounded continuously is \(\boxed{15822}\)