R20 in the schematic serves as a zero Ohm resistor, functioning as a jumper that allows users to choose between common or separate offboard clocks. This design enables flexibility in accessing the SD card via either SPI or SDIO. The discussion also highlights R35, which facilitates the selection of one of two offboard clocks, with a 100 Ohm resistor providing protection against erroneous connections. The use of zero Ohm resistors is common in surface mount designs to create test points or to enable easy modifications. Understanding these components is crucial for effective evaluation board usage.