Average access time = [H1 * T1] + [(1 - H1) * Hm * Tm]
H1 = 0.8, (1 - H1) = 0.2
H2 = 0.9, (1 - H2) = 0.1
T1 = Access time for level 1 cache = 1ns
T2 = Access time for level 2 cache = 10ns
Hm = Hit rate of main memory = 1
Tm = Access time for main memory = 500ns
Average access time = [(0.8 * 1) + (0.2 * 0.9 * 10) + (0.2)(0.1) * 1 * 500]
= 0.8 + 1.8 + 10
= 12.6ns