Complex sentence: For transactions using credit cards, the cards are charged in U.S. dollars at a exchange rate of 1.1124-this combines the 1.08 rate with an extra 3% "service charge".
Split into simpler sentences: For transactions using credit cards, the cards are charged in U.S. dollars at a exchange rate of 1.1124. This combines the 1.08 rate with an extra 3% "service charge".