Hi Bob
The 'standard' charge rate for a battery with a capacity of C ampere-hours is C amps. Yours are 3.4 A-hr, so the standard recharge rate is 3.4 A. But that is a bit too simplistic.
Most significant rechargable lithium batteries contain a safety circuit. This circuit does two things: it protects the battery in the case of an external short circuit, and it protects the battery from being over-charged. It does this very simply, by having a MOSFET transistor inside the case which can open circuit between the +ve terminal of the real cell inside and the external + terminal. (Or ws it the -ve terminals? I forget.)
This means that when you are charging the battery with an external supply, the battery itself will turn off when it is full. This, crudely, is how all the rechargers work. However, in more detail: they stick about 4.2 V across the battery but limit the current input. If you are buying a charger *designed for these batteries*, it may well be able to pour 3.4 A into the battery. When the current suddenly cuts off, the charger knows the battery is full.
Real chargers actually have a more complex algorithm that I have explained here, to do with profiling the V/I charging curve. Shall we skip that for now?
However, when you pour that much current into ANY battery, it can get hot. The extra terminals you find on camera and phone batteries give access to an internal temperature sensor (a thermistor), which the proper chargers monitor. (The cheap chargers may not.) If the temperature inside the battery goes too high, the charger shuts down for a while. Provided the charger monitors the temperature, it can recharge at the full 1C rate.
It is possible to recharge at a lower rate, in which case a different and simpler charging profile is possible. 100 mA might be a bit low for your batteries in fact: a full charge could take 34 hours! Anyhow, if you want to use a slow charge, you generally don't need to worry about the voltage limit so much. Yes, this will fully charge your batteries just as well – but who wants to wait 34 hr?.
I sometimes use a 12 v solar cell with a home-brew controller to recharge my 3.7 V and 7.4 V lithiums. Power input is then limited by solar intensity. When the battery is full and shuts off the solar cell voltage rises to >12 V and a little white LED lights up.
Cheers