Find the multiplier for each rate of exponential growth or decay. 6.5% growth

To increase a number by 6.5%, you multiply  that numberby 1.065.so the multiplier is 1.065 for 6.5% growth.======if you're not sure why it is 1.065: let's add 6.5% of a number  to itself, effectively increasing the number by 6.5%.6.5% in decimal form is 0.065.    so that shows that multiplying a number by 1.065 is the same as increasing that number by 6.5%.for exponential growth, you base the growth amount off as follows: if multiplier increases the inital amount by 6.5%, and then it increases that increased amount by 6.5%, etc.so an exponential growth equation with this multiplier, with  as the initial amount, could look like   

What the heck don’t understand