A bank deposit of $20,000 earns interest rates of 5.5 percent in the first year, 4.0 percent in the second year, and 4.5 percent in the third year. What would be the third-year future value? O $21,353 O $22,347 O $21,651 O $22,931

A bank deposit of $20,000 earns interest rates of 5.5 percent in the first year, 4.0 percent in the second year, and 4.5 percent in the third year. What would be the third-year future value? $21,353 $22,347 $21,651 $22,931