Saviour-V teleports in...

Heya, folks. Just made an online transaction yesterday, for USD 25.00, with my credit card.

Just curious if anyone can figure out the exchange rate used, and any charges that came with it.

Here's what I know:

Card used: Maybank Visa (Ikhwan, maybe? Not sure about that specifically)
Payment (in USD): USD 25.00
Amount charged to my card: RM 104.55

So, can anyone provide the calculations for this? I'd really appreciate that.

Saviour-V bows, and teleports out...