Money transfers via MoneyGram system can be used as by bank customers, and by people who do not have bank accounts. After the correction of tariffs, volumes of MoneyGram transfers increased by 30%. AgentConnect allows MoneyGram agents to integrate the money transfer service with their internal security and training processes. Despite the debt crisis in Europe and other shocks experienced by the world economy, the company MoneyGram International notes the increase in the money transfer market. 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. MoneyGram hired compliance officers in many of their global offices to ensure compliance with regulations of specific countries or regions. Thousands of businesses count on MoneyGram for payment services to move money and drive commerce. This is a trust that MoneyGram takes very seriously. The benefits of money transfers by MoneyGram: simplicity in making up.