Answer:
584.03
Step-by-step explanation:
Given that principal amount = 500.20 dollars
Interest rate = 3 7/8% p.a.= 3100/8(12) per month
Period = 4 years = 4(12) = 48 months.
A= P(1+r/n)^nt
Here n = 12 t = 4 years.
Substitute to get
Future value = 
=584.03

therefore there exist two real solutions.
In total, there are 3 real roots. But, real roots are also complex roots (doesn't work the other way round!), so there are 3 complex roots.
It decreases by -.4 over 1