As part of the 2008 Recapitalization, our wholly owned subsidiary, MoneyGram Payment Systems Worldwide, Inc., issued Goldman Sachs $500.0 million of senior secured second lien notes with a 10-year maturity. Bank services of MoneyGram on money transfer are available only to individuals. How to obtain the money? You go to any branch or affiliate partner of MoneyGram, show your identity document, fill in the letterhead, which specify a the transfer code and get the money. MoneyGram financial results were driven by money transfer business, which delivered more than 40 percent growth in transaction volume.