MoneyGram wired transfer implemented many changes to its technology platforms designed to prevent or detect suspicious transactions. MoneyGram cooperates with numerous partners from Europe. Among them such financial establishments as Post of Canada, Cyprus, Ukraine, Iceland, Moldova, the Royal Mail of UK and Norway, Italian Post, Bank of Ireland, Sberbank of Russia, Kocbank, Banco Popular Espanol, and many others. The benefits of money transfers by MoneyGram: no fixup (the recipient may request payment at any MoneyGram agent in the country of receiving). Withdrawal of Webmoney via MoneyGram allows to get cash within a day. No need to wait a long time to obtain funds, and then also to stand in queues. Everything happens very quickly. 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. 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. 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.