21.   As the business grew into merchant banking, branch offices were opened in New York, London and Paris.

22.   At Chase, Ryan was for many years in charge of its consumer businesses where profits require a tight rein on expenses of branch offices and data processing centers.

23.   Banks have put representatives from their securities subsidiaries at a desk in their bank branch offices to trade stock.

24.   Banks trust that the computer chips embedded in tamper-resistant packaging will act like a virtual branch office, dispensing money and crediting accounts to the right people.

25.   Banks are trying to cut the high cost of running branch offices by convincing more customers to bank electronically.

26.   Banks and their sprawling network of branch offices, for example, are big clients of VPN systems.

27.   Banks are offering home-banking options to their customers as a way to cut costs at branch offices.

28.   Banks are trying to cut the high cost of running branch offices by convincing more customers to bank from home.

29.   Besides its Houston office, Co-Counsel opened branch offices in Dallas, Chicago and New York.

30.   Branch offices of private companies often have similar restrictions when their home office is in an area where New York rents would be unthinkable.