Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. In order to increase competitiveness and market expansion of its services, Western Union launched a program of loyalty Western Union Gold Card for customers, who has repeatedly made money transfers via Western Union. In 1935, Western Union has put into operation first intercity fax communication. Leaving the idea of expansion into Europe, Western Union took up the expansion of services in the U.S. market. Western Union made so that the time in all of American civil services was the same. Number of active holders of "Golden Card" of Western Union amounted to 9.5 million people worldwide.