The correct answer is 'twenty minutes past three'.

Solution:

• The time is 3:20 means the minute hand is pointing at 4. So, if we begin at 12 and count up by fives until we reach 4. It is 20 minutes.
• The time is 3:20 means the hour hand is between 3 and 4, so it is 3 hours.

So, the time 3:20 is 'twenty minutes past three'.