The presence of Western Union Gold Card at the client greatly simplifies the process of further processing of money transfers of and reduces the operation time for the sending of money, as the "Gold Card" is a carrier of the personal information about the client. As a result of 2011, net income of Western Union has increased by 28% to $ 1.165 billion, the company reported. The size of the commission fee for the transfer is charged according to the Western Union tariffs and depends on the amount of money sent. The Western Union Company is a financial services and communications company based in the United States.