suppose we have A={a,b,c}
so reflexive relation must have R1={(a,a),(b,b),(c,c)} all diagonal elements+ any thing
similarly R2= {(a,a),(b,b),(c,c)} all diagonal elements+ any thing
so R1 intersection R2 must have {(a,a),(b,b),(c,c)}==>reflexive
and R1 union R2 must have {(a,a),(b,b),(c,c)}==>reflexive
option 3 is correct