Calculate the effective access time
Seems correct , cache hit gives you 0.95*20 ns if it misses then 0.05 or 5% of the time you consult memory that is 0.05*( no page fault hence 0.99*( 500 from mem to cache + 20 from cache to cpu) else if page fault occurs then 1% or 0.01 *( 10000 ns from disk to mem +  500 ns from mem to cache + 20 ns from cache to cpu))
Should be 45.5 ns which I would give as C