10000 * [1+2.70% * 2 * (1-5%)] * (1+2.88% * 5) =12026.87 yuan.

Step by step calculation is as follows:

Interest due after two years:10000 * 2.70% * 2 * (1-5%) = 513 yuan.

2. Interest10000+513 =10513 yuan, education savings for 5 years, with an interest rate of 2.88%;

10513 * (1+2.88% * 5) =12026.87 yuan.

12026.87 yuan can be withdrawn at maturity.