Should you decide you do not wish to accept them you can notify us before the above date to To check out online all you need is your email address and a password. Currency Conversion We have clarified the wording how we calculate the currency conversions and added section 2.13 (Currency conversion); also we have made the respective changes in Section 2.6 (Balances in Multiple Currencies): If one of the currency Balances in your Account shows that you owe us an amount of funds for any reason, we may set-off the amount you owe us by using funds you maintain in a different currency Balance or by deducting amounts you owe us from money you receive into your Account, or money you attempt to withdraw or send from your Account, or in a different Account, and by deducting funds from any withdrawals you attempt to make.