Question says definition of hierarchical access;
Average access time = L1hit (L1 access time) + (1- L1hit ) L2hit (L1 access time + L2 access time + L1 access time) + (1- L1hit ) (1- L2hit) (L1 access time + L2 access time + L3 access time +L2 access time + L1 access time)
= 0.65 (0.02) + (0.35)(0.45) ( 0.02 + 0.2 + 0.02) + (0.35)(0.55) ( 0.02 + 0.2 + 2 +0.2 + 0.02 )
= 0.013 + 0.0378 + 0.4697
= 0.5205

What question may ask:
1.Check in L1 if present then read . read time of L1
2. if not present in L1 but in L2 : i.e. read time of L1 to check not present + read from L2 + Transfer to L1 and access
3. if not present in L1 and L2 but in L3 : i.e. read time of L1 to check not present + read time of L2 to check not present + read time of L3 + Transfer to L3 to L2 + Transfer to L2 to L1 and access
Note : In General miss penality is given which include transfer time to lower level and read time to processor (100 times or higher than normal aceess)