The Western Union Company (Western Union) is engaged in the business of global money transfer, providing people with convenient ways to send money worldwide. The Company’s services are available through a network of over 375,000 agent locations in more than 200 countries and territories. As of December 31, 2008, approximately 75% of Western Union’s locations had experienced money transfer activity in the prior 12 months. Its consumer-to-consumer money transfer service enables people to send money worldwide in minutes. Its consumer-to-business service provides consumers with options for making one-time or recurring bill payments. The Company offers money transfer services under the Western Union, Orlandi Valuta and Vigo brands in over 200 countries and territories, and various bill payment services, primarily in the United States, under several brands like Speedpay, Equity Accelerator, Just in Time EFT, Western Union Quick Collect and Western Union Convenience Pay.