Let's just say that OR is inclusive (that is, it means one, the other, or BOTH) when it makes sense that both could be the case. If the options are "mutually exclusive" (i.e. one being true prevents the other from being true) then the OR is assumed to be exclusive (either...or).
Since in your example it is clearly possible to be both male and American, I think that option should be included. In ordinary English.
So yes, D) is part of the correct answer.
(If the exam was on Logic, it should have explicitly stated which kind of OR was meant.)