Because the second derivative of the function at the point is negative, the graph must be concave down at this point. Because the first derivative indicates that the function is also likely to be a maximum or minimum, the point must be a maximum.
You can get 3 refills. First you subtract $4.50-$1.65 which equals $2.85. Then you find out how many times 95¢ can go into that. It goes in 3 times so you can get 3 refills.