Would you call or fold?

[Guernica4000]

I need some help with this situation.

Playing last night in the PP $20 NL tourney with 2,000 players. I have 9,500 chips with 25 players left. I have made the money ($190) and the next step is top 20 for ($280).
I post the bb for $5,000 chips. A player in early position makes it $40,000 to go and he is called by the button who goes all-in for his remaining $38,000 chips. I have 10 4 of clubs.

My question is: Do I fold and play for 20th since I can afford both blinds and it is unlikely I can win the tourney with the chip leader having almost 300,000 chips or do I call and risk getting knock out 25th?

I have no read on any of the players since I just moved to the table.

Any help with this particular situation or any advice for the future would be greatly appreciated.

Thanks,
Guernica