Very confused, urgent assistance is needed to understand the concept!

You invest a one-time amount of $3,500 (at year 0) in a mutual fund that provides a 3.5% annual return. You remain invested for five years. At the end of your fifth year invested they announce they will pay a return of 4.5% annually and you invest a one-time amount of $10,000. What is the the future value of your account seven years after you invested $10,000? Give your answer in dollars but do not enter cents or a dollar sign