MoneyGram International, one of the leaders in the market of international money transfers, announced about its entering the market of Bosnia and Herzegovina, started cooperation with the country's largest bank Nova Bank. If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. After the correction of tariffs, volumes of MoneyGram transfers increased by 30%. 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. For the recipient MoneyGram service of wired transfer is free. All expenses will be paid by the sender at the time of sending money. MoneyGram launched a new in-person bill payment service which will be delivered through agents in their domestic network, giving consumers an easy, low-cost method to pay their bills. The Global Funds Transfer segment is the primary segment of MoneyGram, providing money transfer and bill payment services to consumers, who are often unbanked or underbanked.