In the remaining \(10\%\) of accesses, the request proceeds to level-2 cache. Accessing level-2 takes \(10\,\text{ns}\). Of these level-2 accesses, \(80\%\) are successful, while \(20\%\) require fetching data from main memory, which adds an additional delay of \(100\,\text{ns}\).
Thus, when level-1 misses, the average extra delay incurred is:
\(10 + 0.20 \times 100 = 30\,\text{ns}\)
Since this situation occurs only \(10\%\) of the time, the contribution of these slower accesses to the overall average is:
\(0.10 \times 30 = 3\,\text{ns}\)
Adding this to the initial level-1 access time gives the average memory access time:
\(1 + 3 = \boxed{4.0\,\text{ns}}\)