The benefits of money transfers by MoneyGram: there is no need to open a checking account when implementing the transfer. AgentConnect allows MoneyGram agents to integrate the money transfer service with their internal security and training processes. MoneyGram's consumers and agents expect reliability and safety and that is precisely what MoneyGram continues to deliver, transaction by transaction. FormFreeSM phone-based offering allows businesses to reduce labor costs and create an excellent consumer experience by leveraging MoneyGram Thousands of businesses count on MoneyGram for payment services to move money and drive commerce. This is a trust that MoneyGram takes very seriously.