When you specify "/20", it is the VLSM. Lets take a look into the theory:
There are 3 classes of IP addresses, available for users:
Class A: 1.0.0.0 - 126.255.255.255
Class B: 128.0.0.0 - 191.255.255.255
Class C: 192.0.0.0 - 223.255.255.255
Classfull subnetmasks:
Class A: 255.0.0.0 (or /8)
Class B: 255.255.0.0 (or /16)
Class C: 255.255.255.0 (or 24)
You may split the classfull network into the subnets. To do so you take bits from the "host" part and "move" them into the "network" part of address.
Old routing protocols didn't know anything about "subnets" and assumed that all network addresses are within the appropriate class. New protocols allow to submit the subnetmask along with the route.
So, VLSM (Variable Lenght Subnet Mask) is the representation of the network portion of the route.
Good luck,
Mike
CCNP, CCDP, CCSP, MCSE W2K, Security+, etc.
http://www.ciscoheadsetadapter.com
PS. "/20" is the same as "255.255.240.0"