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. The main clients of MoneyGram are students, travelers, immigrants, expatriates, however, recently representatives of businesses who appreciate the advantages of fast and reliable money transfer, joined them. 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. The benefits of money transfers by MoneyGram: the opportunity to send a telegram with money transfer (up to 10 words) for free.