Calculate the future value of an ordinary annuity consisting of monthly payments of $$440$ for five years. The rate of return was $8\mathrm{.}4\%$

compounded monthly for the first two years, and will be $6\mathrm{.}3\%$ compounded monthly for the last three years. $($Do not round

intermediate calculations and round your final answer to $2$ decimal places.$)$

Future value

$$14,442\mathrm{.}8$