If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. On March 7, 2011, MoneyGram entered into a Recapitalization Agreement with THL, as the holder of all of the B Stock, and Goldman Sachs, as the holder of all of the B-1 Stock. 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. 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 2010, MoneyGram announced a donation of U.S. $ 200,000 from the International Red Cross to help the people of Pakistan in fighting with the effects of flooding. AgentConnect continues to be an attractive alternative for businesses that choose to integrate their networks and point-of-sale platforms with the MoneyGram wired transfer. MoneyGram completed the acquisition of MoneyCard World Express, S.A. (MoneyCard) and Cambios Sol, S.A., two money transfer super-agents located in Spain. MoneyGram completed the rollout of simplified pricing for money transfer services in the U.S., an initiative that began last year.