An individual made 60 monthly payments of $ 150 into a fund, each made at the beginning of each month. For the first three years, the funds interest rate was 6%, capitalized monthly. At the start of the fourth year, the fund's interest rate rose to 5.4%, capitalization monthly, and remained unchanged until maturity. The fund balance one month after the 60th payment is:

A. $ 10,414.27

B. $ 10,364.35

C. $ 10,352.08

D. $ 10,397.96

E. $ 10,417.64