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\frac{5\times 4}{13\times 5}-\frac{12}{13}\times \frac{3}{5}
Multiply \frac{5}{13} times \frac{4}{5} by multiplying numerator times numerator and denominator times denominator.
\frac{4}{13}-\frac{12}{13}\times \frac{3}{5}
Cancel out 5 in both numerator and denominator.
\frac{4}{13}-\frac{12\times 3}{13\times 5}
Multiply \frac{12}{13} times \frac{3}{5} by multiplying numerator times numerator and denominator times denominator.
\frac{4}{13}-\frac{36}{65}
Do the multiplications in the fraction \frac{12\times 3}{13\times 5}.
\frac{20}{65}-\frac{36}{65}
Least common multiple of 13 and 65 is 65. Convert \frac{4}{13} and \frac{36}{65} to fractions with denominator 65.
\frac{20-36}{65}
Since \frac{20}{65} and \frac{36}{65} have the same denominator, subtract them by subtracting their numerators.
-\frac{16}{65}
Subtract 36 from 20 to get -16.