Using the photoelectric equation \( E_{\text{photon}} = h \nu - W \), where \( \nu \) is the frequency, \( h \) is Planck's constant, and \( W \) is the work function of the metal, we can calculate the cut-off voltage. With the given frequency, the cut-off voltage comes out to be approximately 3V.
Step 2: Conclusion.
The cut-off voltage is 3V, corresponding to option (b).