A bank deposit of $$40,000$ earns interest rates of $4\mathrm{.}0$ percent in the first year, $4\mathrm{.}5$ percent in the second year, and $5\mathrm{.}5$ percent in the third year. What would be the deposit value at the end of the third year?

$$45,518$

$$44,320$

$$46,201$

$$45,863$