That picture is worth a thousand words. See the red banana jack there? And the black one right next to it, but not in the picture? That's where you plug in your meter and set it to 3.65 volts. Currently (in the picture) you have the supply set to charge to 3.9 volts, and as soon as the cells get full, it will overcharge the cells. Always set the voltage without a cell hooked up, then hook up a cell and turn up the amps. Resist the temptation to turn up the voltage so you can get more amps, you will overcharge. With a cell connected, you can't set the voltage correctly (although through those front jacks you can get close). No matter what you have the voltage set to, the cells will soak it up, and measuring at the cell just tells you how close you are to charged, it is not an accurate setting for the supply.