y = 100(0.945)^x represents growth because there is an exponent of x. For exponential growth, it is assumed that the x > 1.
Percentage rate of increase: .945 * 100% = 94.5%
y = 100(.945) represents decay because there is no exponent of x. (Usually, there would be one, as x would be negative.)
Percentage rate of decrease: 94.5% as the previous one.
Good luck!
