14.2 because if u divide your numbers you get this
Assuming annual compounding, then:
FV=15000*(1+.035)^15
FV=15000*1.6753488307521611831782355996538
FV=$25130.23
At the end of 15 years, Tom should have $25130.23 in his account.
The answer to your question is 120
Yes it is the right answer .-.