It stacks with multiplication. XP = (100% + modifiers) * (speed factor) Heirlooms, guild standard, xp potion, (and I think holidays) all count as modifiers. Rested and RAF are speed factors. It's possible to have (100% + 70%, 55% without guild standard) * (300%) = 510% with standard, 465% without (quests or don't have)
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