When sending the transfer via MoneyGram in one currency and receiving it in another, then currency conversion is carried out at the current rate of sales of current service point. MoneyGram wired transfer implemented many changes to its technology platforms designed to prevent or detect suspicious transactions. Money transfers can be claimed within 45 days, but if for some reason, this period is exceeded, the processing operator would need additional time to call the main office of the company of MoneyGram for voice authorization. Since going public two and a half years ago, MoneyGram has made great strides by pouring energy and resources into several critically important areas for business. Very intensive and focused approach has helped MoneyGram to grow business at a rapid pace and establish MoneyGram as a global player in the marketplace. In the city of San Salvador representatives of MoneyGram and Citibank announced a new regional project, which will provide money transfer services in Costa Rica, El Salvador, Guatemala, Honduras and Nicaragua. 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. 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. Money orders and official checks by MoneyGram continue their steady performance and expanded line of bill payment services deliver excellent results. Commission income on remittances and other revenues of MoneyGram in the 2nd quarter 2012 increased by 10% compared to the same period last year and 13% in the base currency.