Usually the conversion is done as $1US = $97.80J. (That's the example from my last trip this summer.) That makes more sense, especially if you spend $$$$ J, not US when there.

The rate quoted is also the bank rate, NOT the rate you will get at the cambio. It will be less. That is how the cambios & banks make a profit. If people go down expecting to get the same rate as qouted online, they'll be disapponted. 2 different things.

When I started going to Negril 50 trips & many, many years ago (long stays too), the exchange was $1US = $5.35J.