A bit confused, don't know what option is best to select.
Taken from express pass.
For Non-US Issued MasterCard or Visa Cardholders:
If you use a MasterCard or Visa Card issued outside of the United States and one which is billed to any of the following currencies: AUD, CAD, CHF, DKK, EUR, GHP, HKD, JPY, MXP, NOK, SEK, the full amount of the charge will be converted to the currency of the card by our conversion agent at the exchange rate in effect at the time the amounts are charged to your account, and a currency conversion charge will be billed to your account. If you opt out of using our conversion agent, the issuer of your card may still charge you a service fee for your currency conversion. Choice of currency is final.
Currency Conversion Authorization - please check one of the following options:
I choose to pay my onboard charges in the currency of my card, i.e., I choose to use Celebrity Cruises currency conversion program and agree to the terms below.
This currency conversion transaction is based on wholesale exchange rates collected from Bloomberg plus a 3% international currency conversion fee. My choice to have charges billed in the currency of my card is final. I accept that the exchange rate used will be the rate in effect at the time the amounts are charged to my card without further consultation.
I choose to have my credit card issuer convert my onboard charges to the currency of my card in lieu of participating in the Celebrity Cruises currency conversion program.
If I opt for my charges to be converted by my credit card issuer, or if my card is not billed in one of the billing currencies listed, my charges will be processed in the onboard currency (USD) and the issuer of my card may charge a service fee for currency conversion.