Dynamics CRM Business Rule And or conditions

Below question is a dump CRM exam question. I have reproduced the question on CRM online and it seems that the answer should be 3. But according to dump paper it is 2.

Here is the question:

You are creating a business rule for the account records. The business rule will perform an action if the record has Country set to the United States and City set to either Redmond or San Francisco. You need to identify the minimum number of condition sets required to implement this logic. What should you identify?

A. 1
B. 2
C. 3
D. 4

You are getting confused between Advanced Find and a Business Rule.

In an Advanced Find, you would need 3 conditions:

1. Country = USA; AND
2. State = Redmond; OR
3. State = San Francisco

However, the question asks about Business Rules, which can combine conditions into groups of AND and OR so you only need 2:

1. Country = USA; AND
2. State = Redmond OR State = San Francisco