For payments made at the BEGINNING OF THE MONTH (payment due annuity)
P=PMT×((1+r)n−1)/r × (1+r)
For payments made at the END OF THE MONTH (ordinary annuity....more common)
P =PMT X ((1+r)n -1)/r I'll use this one
PMT = 95 r = 3%/12months = .0025 % per month n = 10 years * 12 months/year = 120 months
P = 95 ( ( 1+.0025)120 -1 ) / .0025 = $ 13 275.43