Today is 1/7/2021, John plans to deposit $500 at the beginning of each month into an investment fund. The first deposit will be deposited today. John predicts that the return rate of this fund will be j12=3.49% from 1/7/2021 to 30/9/2021 and j12=2% from 1/10/2021 to 31/12/2021. What will be balance amount of this account on 31/12/2021?

a. 3014.40 b. 3026.95 c. 3021.30 d. 3013.75