20. You are considering borrowing $10,000 for the next three years in order to remodel the kitchen in your house. If you take out the loan you will be making fixed payments at the end of every year until the entire amount borrowed is repaid. Assume that the APR is 4.5% per year, with annual compounding. What is the amount you will pay at the end of each year?

A. $4,287.02

B. $2,635.71

C. $7,032.85

D. $3,637.73

E. $4,156.42