Using Mason's Gain Formula:
\[
T = \frac{\sum \text{(Gain of each forward path)} \times \Delta_{\text{path}}}{\Delta}
\]
There is one forward path: \( x_1 \xrightarrow{a} x_2 \xrightarrow{c} x_3 \) and \( x_1 \xrightarrow{b} x_2 \xrightarrow{d} x_3 \). So total forward gain: \( ac + ad \)
Since loops are not touching the path, overall:
\[
T = \frac{ac + ad}{1 - cd}
\]