The effectively daily interest is: 1+(0.035/365) = 1.00009589 From April 2 to July 1, there are 90 days. From June 2 to July 1, there are 29 days. Therefore the future value is: 14710(1.00009589)^90 + 5100(1.00009589)^29 = $19,951.69. This is the last of the 4 choices.