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. AgentConnect allows MoneyGram agents to integrate the money transfer service with their internal security and training processes. MoneyGram offers an efficient, fast and secure way to send money around the world. Thousands of businesses count on MoneyGram for payment services to move money and drive commerce. This is a trust that MoneyGram takes very seriously. The benefits of money transfers by MoneyGram: the transfer is available in the system to obtain within 90 days. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap. MoneyGram financial results were driven by money transfer business, which delivered more than 40 percent growth in transaction volume.