Richard needs to borrow $$35,857$ and has narrowed his search for a loan to two banks. The first bank offers $66-$month simple interest loans at an annual rate of $2\mathrm{.}3\%.$ The second bank offers $56-$month simple discount loans at an annual rate of $4\mathrm{.}6\%.$ Assuming he chooses the bank that will lead to the smaller maturity value, what will the maturity value be$?$

Round your answer to the nearest dollar.