Answer:
Option 3
The rate of change is -5%
Step-by-step explanation:
Given : An exponential function for compounding interest, 
To find : What is the rate of change?
Solution :
The general form of an exponential function is:

Where, a is the initial amount,
(1+r) is the rate of change,
r is the growth or decay factor
We have given, 
Rate of change is



Convert to percent,

Therefore, Option 3 is correct.