ANSWER
P(at least one defective) = 0.0873 (4 decimal places)
STEP BY STEP EXPLANATION
Given that a 3% defect rate = p = 3/100 = 0.03
Now, 3 items are chosen at random
Probability that no one will have a defect = P(0)
Let's use Binomial Distribution to determine the P(0)


Now, Probability of at least one will have a defect:

Hence, the probability that one will have a defect is 0.0873 (4d.p)