A retail clothing store offers customers an opportunity to open up a credit card during checkout. One location of the retail clothing store states that the number of credit cards, A, that are opened t months since January can be modeled by the function A(t) = 20 + 4t. The number of credit cards opened at another location, B, is defined by the function B(t) = 25 − t. What is an expression that can be used to determine the total amount of credit cards opened at the two locations?

(A − B)(t) = −5 + 5t
(A − B)(t) = −5 + 3t
(A + B)(t) = 45 + 5t
(A + B)(t) = 45 + 3t