The present worth of $1,000 deposits in years 1 through 5 and a single disbursement of $500 in year 3 , if the interest rate is %10 per year for the first two years and 8% per year thereafter, is...

The present worth of$1,000 deposits in years1 through5 and a single disbursement of$500 in year3, if the interest rate is%10 per year for the first two years and8% per year thereafter, is closest to:

a)$4,248.215

b)$3,865.633