Final answer:
Individuals with a mutation causing a nonfunctional SRY gene will develop female characteristics during fetal development.
Step-by-step explanation:
An individual with a mutation causing a nonfunctional SRY gene will develop female characteristics during fetal development, even though they have an XY genotype.
The SRY gene, located on the Y chromosome, is responsible for triggering the development of male sex characteristics. Without a functional SRY gene, the individual will not develop these male characteristics and will instead develop as female.