In Naming decimals, the decimal point and the place value of the last digit are significant. Naming the integer part of the decimal is similar to naming whole numbers. With naming the fractional part, there are additional steps to be considered.

- Separate the whole number at the left side (integer part) of the decimal point from the whole number at the right side (fractional part) of the decimal point.
- Read the decimal number from left to right.
- Name the integer part normally as naming a whole number.
- The decimal point is replaced with "and'.
- Name the fraction part as naming a whole number and use the place value name for the last digit of the decimal after.

**Note:**

If the last digit of the fractional part is zero (0), proceed to the next nonzero digit to the left and consider its place value and name it.

Separate the integer part from the fractional part.

`20` integer part

`*` decimal point

`13` fractional part

Name the integer part normally as a whole number.

`20` = twenty

Replace the decimal point with "and".

`*` = and

Name the fractional part as a whole number and use the place value name for the last digit of the decimal after.

`13` - thirteen

`3` is the hundredth's digit of `20.13`.

Use hundredths.

Combining the names;

`20.13` = twenty and thirteen hundredths

Therefore, `20.13` is twenty and thirteen hundredths in words.

Separate the integer part from the fractional part.

`1` integer part

`*` decimal point

`20` fractional part

`1` = one

Replace the decimal point with "and".

`*` = and

Since the last digit of the fractional part is 0, use the next nonzero digit which is 2.

`2` = fractional part

Name the fractional part as a whole number and use the place value for the last digit of the decimal after.

`2` = two

`2` is the tenth's digit of `1.20`.

Use tenths.

Combining the names;

`1.20` = one and two tenths

Therefore, `1.20` is one and two tenths in words.

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