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Three point ten.
If the question is about WRITING 12 billion, the answer is 12 000 000 000
"and"
points 12
One. As in "12 345 678." This is an 8-digit number ~ 12 million... Rather than commas, a space between groups of 3 is often preferred because the comma is sometimes used to indicate a decimal point. The "period" or decimal point following the 8 can be omitted unless decimals are included, as in writing dollars & cents: $12 345 678.00 The French version would be 12 345 678,00$