McGoff Company Deposits $20000 in a Fund at the End

McGoff Company deposits $20000 in a fund at the end of each year for 5 years. The fund pays interest of 4% compounded annually. The balance in the fund at the end of 5 years is computed by multiplying

A) $20000 by the future value of 1 factor.
B) $100000 by 1.04.
C) $100000 by 1.20.
D) $20000 by the future value of an annuity factor.