I'm thinking that 100 is too many.
I'm also not sure whether or not any of the four digits can be repeated.
If repeats are not allowed, then I think of the senario this way.
There is a box containing four digits.
If a Whole number is divisible by 10, then it's rightmost digit must be zero.
Therefore, one of the four digits in the box must be zero.
So, to start forming three-digit numbers, we pick out the zero and place it in the third position.
This leaves three digits remaining in the box from which to choose for the first position.
After we pick out one of these and place it in the first position, there are two digits remaining in the box from which to choose for the middle position.
Do you think that this explanation matches the given senario?