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=3.2% from 1/7/2021 to 30/9/2021 and j₁₂=4.83% from 1/10/2021 to 31/12/2021. What will be balance amount of this account on 31/12/2021?

a. 3028.28

b. 3020.12

c. 3038.40

d. 3032.22