Suppose you invest $\$12{,}040.00$ into an account earning an interest rate of $2.572 \%$ compounded continuously for $3$ year(s) and thereafter earning an interest rate of $3.385 \%$ compounded monthly. How much money is in the account after $12$ years?

The amount in the account is .

(Note: Your answer should have a dollar sign and be accurate to two decimal places)

Hint: