Answer
$5n-4$
Work Step by Step
$a_{n}=a+\left( n-1\right) d;a_{m}=a+\left( m-1\right) d\Rightarrow a_{n}-a_{m}=(n-m)d$
$a_{n}-a_{20}=\left( n-20\right) \times 5\Rightarrow a_{n}-96=5n-100\Rightarrow a_{n}=5n-4$
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