and what is difference with =ROUNDDOWN(H45*0.18;2)

My formula is =H45*0.18
It show value 237.57 (237.5694), but I need get 237.56 -without rounding, 2
first digits only.
What formula I should use: =ROUNDDOWN(H45*0.18;2) or =TRUNK(H45*0.18,2) ??

Thank you.