If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. In due time MoneyGram separated from the Western Union and became an independent brand. Money orders and official checks by MoneyGram continue their steady performance and expanded line of bill payment services deliver excellent results. 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. MoneyGram financial results were driven by money transfer business, which delivered more than 40 percent growth in transaction volume.