Choice A is the correct answer. Apply monthly compounding.

1. Values: $P = 10000$, $r = 0.05$, $n = 12$ (monthly), $t = 3$.
2. Calculate: $A = 10000(1 + \frac{0.05}{12})^{12 \times 3} = 10000(1.004167)^{36}$.
3. Result: $(1.004167)^{36} \approx 1.161472$, so $A \approx 11,614.72$.

💡 Strategic Tip: Monthly compounding: divide rate by 12, multiply exponent by 12.

Choice B is incorrect because this assumes simple interest. Choice C is incorrect because this uses quarterly compounding. Choice D is incorrect because the calculation is wrong.