Effective average instruction execution time = cpu time for a instruction + avg page fault service time + effective memory access time
Here per instruction cpu time is 100 ns.
Average page fault service time is 10*10^6/10000 = 1000ns (: 10^6 is for convert ms to ns)
Effective memory access time is 0.95*100+0.05*3*100 = 110 ns
Now effective average instruction execution time is 100+1000+2(110) = 1320ns (: effective memory access time is multiplied by 2 because it is given in question that average instruction take two memory access)
So ans is : option C 1320ns