Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. AgentConnect allows MoneyGram agents to integrate the money transfer service with their internal security and training processes. 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. In MoneyGram were added or converted new currencies in an additional 29 countries during the past year, providing consumers with a wide array of currency payout options. Money transfer platform of MoneyGram will be integrated with the mobile platform LinqUs, which will allow customers to make international transfers with a mobile phone. MoneyGram's consumers and agents expect reliability and safety and that is precisely what MoneyGram continues to deliver, transaction by transaction. 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. The benefits of money transfers by MoneyGram: the transfer is available in the system to obtain within 90 days.