Richard needs to borrow $$30,540$ and has narrowed his search for a loan to two banks. The first bank offers $63-$month simple interest loans at an annual rate of $3\mathrm{.}4\%.$ The second bank offers $37-$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.