Answer
$a_n=-5+2n$ ; $a_{20}=35$
Work Step by Step
We know that $a_n= a_1+(n-1) d$
Here, we have $d=-1-(-3)=2$
$a_n= (-3)+(n-1) \times 2$
This gives: $a_n=-5+2n$
When $n=20$, we have
$a_{20}= -5+2 \times 20=35$
Hence, $a_n=-5+2n$ ; $a_{20}=35$