What is the replication factor for a replicated cluster with 1 primary, 3 secondaries with one of them hidden. The set also has an arbiter?

What is the replication factor for a replicated cluster with 1 primary, 3 secondaries with one of them hidden. The set also has an arbiter?
A . None of the above
B . 5
C . 3
D . 4

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Answer: D