$\because$ Each cell follows bernoulli, hence the whole problem is Binomial(np)So,
Since the sum necessarily needs to be equal to 3 only we have two cases:
5 * 5 matrixCASE-1: (orange cell is 1)
$$\Pr(\text{Case1}) = \Pr(\text{orange cell is 1})\times\Pr(\text{Sum is 3}\mid \text{orange cell is 1})$$
$$=\frac{1}{2} \times \underbrace{{}^4C_2 \times \left ( \frac{1}{2} \right )^2 \times \left ( \frac{1}{2} \right )^2}_{\text{for row}} \times \underbrace{{}^4C_2 \times \left ( \frac{1}{2} \right )^2 \times \left ( \frac{1}{2} \right )^2}_{\text{for column}}=\frac{9}{128}$$
CASE-2: (orange cell is 0)
$$\Pr(\text{Case 2}) = \Pr(\text{orange cell is 0})\times\Pr(\text{Sum is 3}\mid \text{orange cell is 0})$$
$$=\frac{1}{2} \times \underbrace{{}^4C_3 \times \left ( \frac{1}{2} \right )^3 \times \left ( \frac{1}{2} \right )^1}_{\text{for row}} \times \underbrace{{}^4C_3 \times \left ( \frac{1}{2} \right )^3 \times \left ( \frac{1}{2} \right )^1}_{\text{for column}}=\frac{1}{32}$$
Required probability: $\Pr(\text{Case 1})+\Pr(\text{Case 2}) = \dfrac{9}{128}+\dfrac{1}{32}=\boxed{\dfrac{13}{128} \approx 0.1016}$
Hence 0.1016 is accurate.