Total number of exams written by 100 students = 48 + 45 + 38 = 131
Now let us say x members are writing only 1 exam, y members are writing only 2 exams, z members are writing only 3 exams.
Therefore, x + 2y + 3z = 131 also x + y + z = 100.
Given that z = 5. So x + 2y = 116 and x + y = 95.
Solving we get y = 21.
So 21 members are writing exactly 2 exams.