Anna has $37,342 in a savings account that pays 3.5% per year. Assume that she withdraws $10,000 today and another $10,000 one year from today. If she waits and withdraws the entire remaining balance four years from today, what will be the amount of that withdrawal?

Group of answer choices

$20,288.40

$20,616.78

$20,676.53

$20,406.65