You currently have $5,000. First United Bank will pay you an annual interest rate of 8.1, while Second National Bank will pay you an annual interest rate of 9.2. How many fewer years must you wait for your account value to grow to $10,300 at Second National Bank?

A) .97 years

B) 1.20 years

C) 1.07 years

D) 1.28 years

E) .99 years