So the question is asking for average memory access time.
AMAT in this question can be found by using a simple logic. Access the memory one by one and calculate average memory access time.
In the given question:
AMAT = 0.9*1 + 0.1*(0.8*(1+10)) + 0.1*0.2*(1+10+100) = 4 ns
This means first find hit in L1, then find miss in L1 and hit in L2 and teh find miss in L1 and miss in L2 and hit in mainmemory.
This will give answer as 4 ns.