We're in Canberra, so Australia. However, I installed the FW on the H2O by downloading the zip file from
https://pgaskin.net/KoboStuff/kobofirmware.html and unzipping the download into the .kobo folder. Could that be the reason that there is no OverDrive option under settings? Should I D/L the FW from an affiliate in a country where OverDrive is supported and install that?