When sending money, we must always remember that into the speed of money transfers almost always make the corrective amendmentssuch such things as the difference in time zones around the world and on different continents, operating time of MoneyGram offices, branches of partners and banks. AgentConnect allows MoneyGram agents to integrate the money transfer service with their internal security and training processes. The benefits of money transfers by MoneyGram: payment of commission is only at the expense of sender. Technology continues to play a key role in increasing MoneyGram transaction speed, automating and streamlining processes, and creating new functionality. 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. Last year, MoneyGram business in the CIS and Eastern Europe took priority positions to increase the number of branches in comparison with other regions - were opened new four thousand branches. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.