3 For the past 20 months, Karim has belonged to a contributory, defined benefit pension plan in a jurisdiction that has a two-year vesting provision. Over the past 20 months, Karim has contributed a total of $3,800 to the plan and has earned interest of $400. During this same period, his employer has matched Karim's contributions and has generated the same interest income as Karim's contributions. If Karim leaves his current job, to what lump-sum cash payment is he entitled? O a $3,800 b) $4,200 c) $4,600 N d) $8,400