Step-by-step explanation:
This is the Galilean transformation.
V' = V - U where want to find V' in the primed frame of reference.
The primed frame is moving at speed U = -20 relative to the train.
V = -3 is the speed of the person in the frame of the train.
Then V' = -3 - (-20) = 17 mph relative to the land outside the train.