What is the PV of an ordinary annuity with $10$ payments of $$3,900$ if the appropriate interest rate is $5\mathrm{.}2\%?$

a$.$ $$41,028\mathrm{.}00$

b$.$ $$29,824\mathrm{.}41$

c$.$ $$45,175\mathrm{.}59$

d$.$ $$27,475\mathrm{.}28$

e$.$ $$31,375\mathrm{.}28$