I'm not sure I understand the question. Where does an exchange office downtown get its exchange rates from? It's their business decision, their way of being competitive and keeping the business viable at the same time. Guess it's the same with us
An exchange gets its rates from the market, it doesn't decide for itself (as with the comparison to an exchange office, it usually isn't much more than a percent). What it seems like to me is that your rate is the average rate with compensation for a fee (2.5%) added in? Just want to clear things up for me and some others.