Richard needs to borrow $$38,141$ and has narrowed his search for a loan to two banks. The first bank offers $52-$month simple interest loans at an annual rate of $4\mathrm{.}5\%.$ The second bank offers $55-$month simple discount loans at an annual rate of $4\mathrm{.}4\%.$ Assuming he chooses the bank that will lead to the smaller maturity value, what will the maturity value be$?$