Answer
$\$ 29,375.54$
Work Step by Step
The future value of an investment of $\\\\$
PV=10,000 dollars earning interest $\\$
at an annual rate of r=12$\times 0.45\%=0.054\ \ \ $ (monthly rate $\times$12)$\\$
compounded (reinvested) m$=12$ times per year$\\$
for a period of t$=20$ years is$\\$
$FV=PV(1+\displaystyle \frac{r}{m})^{mt}\\$
$=10,000(1+\displaystyle \frac{0.054}{12})^{12\cdot 20}\approx$29375.5400941$\\$
rounded to the nearest cent: $\$ 29,375.54$