Bank of Ireland provides a broad range of financial services in Ireland to all major sectors of the Irish economy. These include checking and deposit services, overdrafts, term loans, mortgages, international asset financing, leasing, installment credit, debt factoring, foreign exchange facilities, interest and exchange rate hedging instruments, executor, trustee, stockbroking, life assurance and pension and investment fund management, fund administration and custodial services and financial advisory services, including mergers and acquisitions and underwriting. The Company provides services in Euro and other currencies. Bank of Ireland markets and sells its products on a domestic basis through its extensive nationwide distribution network in Ireland, which consisted of 262 full-time branches and 634 automated teller machines (ATMs) at March 31, 2003; its direct telephone banking service; direct sales forces, and its online services.