Step 1: Determine the probability of correct and incorrect answers.
The probability of selecting the correct answer is \( \frac{1}{4} \), and the probability of selecting the incorrect answer is \( \frac{3}{4} \).
Step 2: Expected value for each question.
For each question, the student scores:
- \( +1 \) for a correct answer with probability \( \frac{1}{4} \),
- \( -\frac{1}{5} \) for an incorrect answer with probability \( \frac{3}{4} \).
The expected value for each question is:
\[
\text{Expected value} = \frac{1}{4} \times 1 + \frac{3}{4} \times \left(-\frac{1}{5}\right) = \frac{1}{4} - \frac{3}{20} = \frac{5}{20} - \frac{3}{20} = \frac{2}{20} = 0.1
\]
Step 3: Expected value for 100 questions.
Since there are 100 questions, the total expected value is:
\[
\text{Total expected value} = 100 \times 0.1 = 10.0
\]
Step 4: Conclusion.
Thus, the expected value of the student's total score in the examination is \( \boxed{0.0} \).