Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. On March 7, 2011, MoneyGram entered into a Recapitalization Agreement with THL, as the holder of all of the B Stock, and Goldman Sachs, as the holder of all of the B-1 Stock. Money transfers via MoneyGram system can be used as by bank customers, and by people who do not have bank accounts. AgentConnect allows MoneyGram agents to integrate the money transfer service with their internal security and training processes. MoneyGram agents are located - in post offices, bank offices, supermarkets, and even travel agencies. Bank services of MoneyGram on money transfer are available only to individuals. MoneyGram launched a new in-person bill payment service which will be delivered through agents in their domestic network, giving consumers an easy, low-cost method to pay their bills. To 284 thousands of service points has grown global network of MoneyGram agent offices in the 2nd quarter of 2012 due to India, Spain and Africa, thus its growth was 16%.