Felipe transferred a balance of $3700 to a new credit card at the beginning of the year. The card offered an introductory APR of 5.9% for the first 4 months and a standard APR of 17.2% thereafter. If the card compounds interest monthly, which of these expressions represents Felipe's balance at the end of the year? (Assume that Felipe will make no payments or new purchases during the year, and ignore any possible late payment fees.)