Answer: They are both correct
Explanation:
Jane saying 5 is a factor for every while number that has a 5 in the ones place is correct. For example, in the number 345 or 25, we can see that we have 5 in the ones place and 5 is a common factor for the numbers.
Also, Fred saying 5 is a factor for every while number that has a 0 in the ones place is correct as well. For example, the numbers 10, 20, and 200 all have 0 in their ones place and they have a factor of 5 as well.
Therefore, both of them are correct.