Cherene, an Ontario resident, requires some emergency car repairs and needs to withdraw from her Registered Retirement Savings Plan (RRSP). Cherene has $25,000 in her RRSP and she needs $3,900 to pay the repair bill. Cherene’s marginal tax rate is 23%. If Cherene withdraws $3,900 from her RRSP, what is the net amount of the RRSP withdrawal she would receive?

a) $390

b) $3,003

c) $3,120

d) $3,510