When sending the transfer via MoneyGram in one currency and receiving it in another, then currency conversion is carried out at the current rate of sales of current service point. Understanding that being in another country, you may not be fluent in the local language, that's why MoneyGram always tries to talk to you in your native language. 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. Money orders and official checks by MoneyGram continue their steady performance and expanded line of bill payment services deliver excellent results. MoneyGram financial results were driven by money transfer business, which delivered more than 40 percent growth in transaction volume.