Rent a Center RCII June 2009 Presentation

8/14/2019 Rent a Center RCII June 2009 Presentation

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Lcy Egvcstfcgt Totekgoic

Icojegm rcgt-tk-kwg kpcrotkr eg thc S.^.

Prkvcg dusegcss fkjci

Cxpcrecgncj fogomcfcgt tcof

Aegogneoiiy skiej

^trkgm nosh aikw mcgcrotekg

^kugj doiognc shcct ogj strkgm nrcjet stotestens

Nkgteguc cxcnutekg eg kur nkrc rcgt-tk-kwg dusegcss

Mrkwth kppkrtugety ojjegm aegogneoi scrvencs wetheg kurcxestegm stkrc iknotekgs

^ccl ojjetekgoi jestredutekg nhoggcis akr kur prkjuntsogj scrvencs


4/24

>

Icojegm TZK Kpcrotkr eg S.^.

Iormcst rcgt-tk-kwg kpcrotkr eg thc S.^.

:0% forlct shorc doscj kg stkrc nkugt

Gotekgoi akktpregt ka kvcr >,000 nkfpogy-kwgcj stkrcs ogj kvcr4?3 arognhescj stkrcs

Drkoj scicntekg ka hemh quoiety, drogj-gofc fcrnhogjesc ugjcr

aicxedic rcgtoi purnhosc omrccfcgts

Preforeiy scrvcs thc ugjcrdoglcj nkgsufcr

Mcgcrotcj $4.5 deiiekg eg IZF rcvcguc ogj $>3=.0 feiiekg eg IZFojbustcj CDEZJO os ka Fornh >?, 4005


5/24

:

Gufdcrka^tkrcs

Tcgt-O-Ncgtcr /NkikrZyfc (4)

Oorkgs (>) Tcgt Kgc (:)PrcfecrTcgtois (:)

?) Doscj kg Osskneotekg ka Prkmrcssevc Tcgtoi Krmogezotekg (OPTK) cstefotcs eg 400= Egjustry ^urvcy (doscj kg 4001 rcsuits) ka 8,300 tktoi

stkrcs (prk akrfo akr Tcgt-O-Ncgtcr nkgskiejotekg piog stkrc niksurcs)

4) Nkfpogy joto os ka Fornh >?, 4005

>) Nkfpogy corgegms prcss rcicosc jotcj Oprei

:) Nkfpogy wcdsetc cstefotcs os ka Oprei 4>, 4005

:0% ?5% ?% ?% 9 ?%Forlct ^horc (?)

Icojegm Pioycr eg Aromfcgtcj Forlctpionc

8,440 ^tkrcs (?)

>,43=

Dcstwoy (:)

9 ?%

Dujjys HkfcAurgeshegms (:)

9 ?%

OfcrenogTcgtois (:)

Tcgt-O-Ncgtcr

Oorkgs


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IeactefcTcegstotcfcgt

= >0 FkgthsZcrf tk Kwgcrshep

Gk Zrojet ekgoiNrcjet Nhcnl

^ofc JoyJcievcry

50 Joys ^ofcos Nosh

Gk JkwgPoyfcgt / Jcpkset

Coriy

PurnhoscKptekgs

^crvenc / ]orrogtyEgniujcj

Tcgt-tk-Kwg es og Oppcoiegm Zrogsontekg

Gk Ikgm ZcrfKdiemotekgAicxedic

Tcgtoi Omrccfcgts


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^crvegm thc Sgjcrdoglcj ]krlegm Aofeiy

=3% ka nustkfcrs eg thc rcgt-tk-kwg egjustry hovc hkuschkij egnkfcs

dctwccg $?3,000 ogj $30,000(?)

Opprkxefotciy :3 feiiekg hkuschkijs weth hkuschkij egnkfcs dctwccg$?3,000 ogj $30,000 (4)

Egjustry es scrvegm kgiy >.0 feiiekg ka thcsc hkuschkijs (>)

?) Ofcrenos Tcscornh Mrkup, Oumust 400:

4) S.^. Ncgsus Durcou - 400?>) OPTK 400= Egjustry ^urvcy (doscj kg 4001 rcsuits)


8/24=

0 4 : 1 8 ?0 ?4 ?: ?1 ?8 40

Tcgt-Zk-Kwg

Tcgt-Zk-Kwg

Duy Sparkgt

Fkgths

Fkgthiy Tcvcguc ^trcof

(Ovcromc Nkgtront Ieac)

$ ?,=00

$ ?,850

$ 830

Zktoi TcgtoiTcvcgucs

$ :43

$ :43

$ :43

NKM^

=3.0%

==.3%

30.0%

MrkssFormeg

]eth Ottrontevc Cnkgkfens

* Zhc rcgtoi purnhosc trogsontekg es o aicxedic oitcrgotevc akr nkgsufcrs we th acoturcs thot egniujc gk ikgm-tcrf kdi emotekg

ogj thc remht tk tcrfegotc thc trogsontekg wethkut pcgoity. Akr =3% ka kur egeteoi rcgtoi purnhosc omrccfcgts, thcnustkfcr rcturgs thc fcrnhogjesc dcakrc onqueregm kwgcrshep ogj thc ovcromc tcrf ka thc omrccfcgt es : tk 3 fkgths.


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Prkvcg Dusegcss Fkjci

Cfpikycc Zroegegmogj Jcvcikpfcgt

^ystcfs

Nustkfcr

Tciotekgshep

Lcy Drogjs ogjOttrontevc ^tkrcs


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Coseiy Onncssedic, Hemhiy Qesedic ^etcs

Icoscj ^etcs Kgiy

Gk ]orchkuscs Qcgjkrs ^hep Jercntiy tk thc ^tkrcs


11/24?0Tcprcscgts o rkiiegm ?4 fkgths ka ontuoi joto

Oppieogncs?1% ka Tcgtoi

Tcvcguc

Aurgeturc>4% ka Tcgtoi

Tcvcguc

Nkfputcrs?1% ka Tcgtoi

Tcvcguc

Cicntrkgens>1% ka Tcgtoi

Tcvcguc

Hemh _uoiety, Drogj-Gofc Fcrnhogjesc


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Cxpcrecgncj Fogomcfcgt Zcof

^cgekr fogomcfcgt tcof es thc fkst cxpcrecgncj eg TZK egjustry

NCK Forl ^pccsc hos kvcr >0 ycors ka TZK cxpcrecgnc Prcsejcgt Fetnh Aojci hos kvcr 43 ycors ka TZK cxpcrecgnc

^cgekr cxcnutevcs ovcromc kvcr ?3 ycors ka TZK cxpcrecgnc

Ottrontegm thc dcst pcrskggci weth egjustry-icojegm soiory ogj egncgtevcpiogs


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^trotcmen Kdbcntevcs

Cghognc stkrc icvci kpcrotekgs, rcvcguc ogj prkaetodeiety

Ottront nustkfcrs weth tormctcj ojvcrtesegm nofpoemgs

Nustkfcrs whksc nrcjet hos dccg rcjuncj kr ciefegotcj (Nrcjet Arcc Ieac)

Nustkfcrs weth dujmct nkgstroegts (^upcr Qoiuc) Aknus kg kur nustkfcrs eg-stkrc cxpcrecgnc

Efprkvc kpcrotekgoi caaenecgnecs

Foegtoeg cxpcgsc nkgtrki

Mrkwth kppkrtugety ojjegm aegogneoi scrvencs wetheg kur cxestegm stkrc iknotekgs

^ccl ojjetekgoi jestredutekg nhoggcis akr kur prkjunts ogj scrvencs

Zhrkumh omrccfcgts weth kthcr rctoeicrs

Cxpogsekg ka rctoei egstoiifcgt soics Egtcrgotekgoi rcgt-tk-kwg

Aknus kg jc-icvcregm kur doiognc shcct ogj cvoiuotegm kppkrtugetecs akr

rcpurnhoscs ka kur nkffkg stknl


14/24?>

Tcgt-tk-kwg - ^tkrc Cnkgkfens

^tort-up egvcstfcgt ka opprkxefotciy $300,000 (>/: akr egvcgtkry)

Dcmeg turgegm o fkgthiy prkaet eg opprkxefotciy gegc fkgths

Nufuiotevc drcol cvcg prkaet wetheg ?84: fkgths

Egtcrgoi Totc ka Tcturg ka opprkxefotciy 30%(?)

(?) Dcakrc forlct ogj nkrpkrotc oiiknotekg ogj egnkfc tox cxpcgsc, tcrfegoi voiuc ka 1.3 x CDEZJO eg Ucor 3

Ucor ? Ucor 4 Ucor > Ucor : Ucor 3

Tcvcgucs $:43,000 $1=3,000 $=30,000 $800,000 $843,000

CDEZJO (?) ($30,000) $??0,000 $?:0,000 $?10,000 $?=0,000

CDEZJO Formeg (?) (?4%) ?1% ?5% 40% 4?%


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?:

Aegogneoi ^crvencs Dusegcss Totekgoic

Aegogneoi ^crvencs Egjustry

Hemh mrkwth ogoiyst cstefotc ka hemh segmic jemet stkrc

mrkwth Aromfcgtcj sefeior tk rcgt-tk-kwg 43 ycors omk

Nustkfcr wetheg TONs gotekgoi akktpregt

Ottrontevc cnkgkfens

TONs ^trcgmths

Jcvcikpegm kgmkegm ogj iostegm rciotekgsheps wethnustkfcrs

Icvcromegm kur rcoi cstotc

Kpcrotegm nosh aikw tk suppkrt mrkwth

Icmesiotevc cxpcrtesc


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Aegogneoi ^crvencs Kpcrotekgs

Prkjunt kaacregms preforeiy egniujc jcacrrcj jcpkset ogj ugscnurcjikogs, nhcnl noshegm, fkgcy trogsacrs ogj fkgcy krjcrs, jcdet norjs

ogj tox prcporotekg

Aknusegm kg stotcs thot hovc cgodiegm icmesiotekg

^totus ka nurrcgt kpcrotekgs

]krl strcofs orc nkfpictcj ogj pcrakrfegm os jcsemgcjprkvejegm o snoiodic piotakrf

Jcioyegm gcw stkrc kpcgegms ugtei o iotcr jotc tk aknus kg

efprkvegm kpcrotekgs ogj aegogneoi rcsuits ka >3? cxestegmiknotekgs


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?1

Aegogneoi Kvcrvecw


18/24

?=

$4,>?> $4,>>5$4,:>:

$?,000

$?,400

$?,:00

$?,100

$?,800

$4,000

$4,400

$4,:00

$4,100

$4,800$>,000

$>,400

400: 4003 4001 400= 4008 4005P

^tkrc Tcvcguc

NkfdegcjTc

vcguc($FF)

Arognhesc Tcvcguc

^oics Mrkwth

$4,=80 - $4,8:0

$4,88:$4,501


19/24

?8

$>:3.0 -$>13.0$>1>.1

$>88.>$>31.3

$>4=.4

?4.1%

?>.:%

?:.0%?:.1%

$0

$?00

$400

$>00

$:00

$300

$100

4003 4001 400= 4008 4005P

CDEZJO ogj CDEZJO Formeg

CDEZJO (?)

(?) Cxniujcs gkg-rcnurregm nhormcs ogj nrcjets

CDEZJO Formeg %

($FF)

?4.:% -?4.5%


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?5

Kpcrotegm Nosh Aikw

($FF)

^nhcj ic ka A cc Nosh Aik


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CDEZJO $>:3 - $>13 KPCTOZEGM NO^H AIK] $>43- $>:3

Gct Nosh Egtcrcst ($:0)

NopCx ($10) NopCx ($10)

]krlegm Nopetoi $80

Zoxcs ($10)

Arcc Nosh Aikw $413 - $483 Arcc Nosh Aikw $413 - $483

^nhcjuic ka Arcc Nosh Aikw4005 Cstefotc ($FF)

Gktc2 Pktcgteoi uscs ka Arcc Nosh Aikw egniujc onques etekgs, rcjuntekg eg kutstogjegm egjcdtcjgcss kr nkffkg stknl rcpurnhoscs.


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4?

Nurrcgt Nopetoi ^trunturc

Nkgskiejotcj Icvcromc Totek 4.?:x (_?05)Nkgskiejotcj Egtcrcst Nkvcromc Totek 1.8x (_?05)

For >?,4005

% kaDkkl

Nopetoi

For >?,4008

% kaDkkl

Nopetoi

Nosh $ ?53.5 $ =8.1

^cgekr Nrcjet Aonei et ecs =03.0 >:.4% 843.4 >5.?%

^ud Gktcs 443.: ??.0% >00.0 ?:.4%

Zktoi Jcdt 5>0.: :3.4% ?,?43.4 3>.>%

^horchkijcr's Cquety ?,?4=.1 3:.8% 58:.= :1.=%

Zktoi Nopetoiezotekg $ 4,038.0 ?00.0% $ 4,?05.5 ?00.0%

Gct Jcdt/Zktoi Nopetoiezotekg >3.=% :5.1%


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Muejognc (pcr Oprei 4=, 4005 prcss rcicosc)

_SOTZCTIU _4'05P _4'08O

Zktoi Tcvcguc $1=5.0 - $15:.0 FF $=?5.0 FF

Ojb. Jeiutcj CP^ $0.30 - $0.31 $0.31

OGGSOI 4005P 4008O

Zktoi Tcvcguc $4.=8-4.8: DG $4.88 DGOjb. Jeiutcj CP^ $4.?8 - $4.>4 (:) $4.0: (?)(4)(>)

?) Cxniujcs thc caacnts ka thc akiikwegm prc-tox rcstrunturegm cxpcgsc/nrcjet osskneotcj weth thc 400= rcstrunturegm piog2 (?) $4.5 feiiekg cxpcgsc ($0.0>pcr jeiutcj corgegms pcr shorc akr thc thrcc fkgths cgjcj Fornh >?, 4008)< (4) $0.0?3 feiiekg nrcjet eg thc scnkgj quortcr ka 4008< (>) $0.4 feiiekgcxpcgsc eg thc therj quortcr ka 4008< ogj (:) $?.: feiiekg eg thc akurth quortcr ka 4008. Zhc 4008 prc-tox rcstrunturegm cxpcgsc tktoicj $:.3 feiiekg kr

$0.0: pcr jeiutcj corgegms pcr shorc akr thc twcivc fkgths cgjcj Jcncfdcr >?, 4008.

4) Cxniujcs thc caacnts ka o $:.1 feiiekg prc-tox ietemotekg nrcjet ($0.0: pcr jeiutcj corgegms pcr shorc akr thc twcivc fkgth pcrekj cgjcj Jcncfdcr >?,4008) eg thc akurth quortcr ka 4008 osskneotcj weth thc prkspcntevc sctticfcgt ka thc Heijo Pcrcz ogj ^hoacr/Bkhgskg fottcrs.

>) Cxniujcs thc caacnts ka o $:.> feiiekg prc-tox moeg ($0.0: pcr jeiutcj corgegms pcr shorc akr thc twcivc fkgth pcrekj cgjcj Jcncfdcr >?, 4008) eg thcakurth quortcr ka 4008 osskneotcj weth thc cxtegmueshfcgt ka jcdt.

:) Cxniujcs thc caacnts ka o $>.0 feiiekg prc-tox ietemotekg nrcjet ($0.0> pcr jeiutcj corgegms pcr shorc akr thc thrcc fkgth pcrekj cgjcj Fornh >?, 4005) egthc aerst quortcr ka 4005 rciotcj tk thc Heijo Pcrcz fottcr.


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4>

Lcy Egvcstfcgt Totekgoic

Icojegm rcgt-tk-kwg kpcrotkr eg thc S.^.

Prkvcg dusegcss fkjci

Cxpcrecgncj fogomcfcgt tcof

Aegogneoiiy skiej

^trkgm nosh aikw mcgcrotekg

^kugj doiognc shcct ogj strkgm nrcjet stotestens

Nkgteguc cxcnutekg eg kur nkrc rcgt-tk-kwg dusegcss

Mrkwth kppkrtugety ojjegm aegogneoi scrvencs wetheg kurcxestegm stkrc iknotekgs

^ccl ojjetekgoi jestredutekg nhoggcis akr kur prkjunts ogjscrvencs

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Rent a Center RCII June 2009 Presentation