Conn's, Inc., was founded on 1890. Conn's Inc was founded on 1890, The Company operates as a specialty retailer offering a broad selection of quality, branded durable consumer goods and related services in addition to a proprietary credit solution for its core credit constrained consumers. Its complementary product offerings include home appliances, furniture and mattresses, consumer electronics and home office products. Its credit offering provides financing solutions to a population of credit constrained consumers who typically have credit scores between 550 and 650. The Company's reportable segments are Retail and Credit. The retail product categories include Home appliance, which includes refrigerators, freezers, washers, dryers, dishwashers, and ranges. The Company represents brands such as Dyson, Electrolux, Eureka, Friedrich, General Electric, Haier, LG and Samsung. Furniture and mattress, which includes furniture and related accessories for the living room, dining room and bedroom as well as both traditional and specialty mattresses. It represents brands such as Bello, Elements, Franklin, Home Stretch, Jackson-Catnapper, Klaussner, Sealy, Serta, Steve Silver and Z-Line; Consumer electronic, which includes LCD, LED, 3-D, UJltra HD and plasma televisions, Blu-ray players, home theater and video game products, camcorders, digital cameras, and portable audio equipment. It represents brands such as Bose, Canon, Haier, Harmon/Kardon, LG, Microsoft, Monster, Nikon, Nintendo, Samsung, Sharp, Sony and Toshiba; and Home office, includes computers, tablets, printers and accessories. It also represents brands such as Acer, Asus, Dell, Hewlett-Packard, Microsoft, Samsung, Sony and Toshiba. As of January 31, 4013, the Company operated 68 retail stores located in five states namely Texas (58), Arizona (8), Louisiana (7), Oklahoma (3), and New Mexico (3). The Company offers customer service through its commissioned and trained sales force as well as next day delivery and installation, and product repair or replacement services for its items sold in its stores. Flexible payment alternatives offered through its proprietary in-house credit program and third-party financing alternatives enable its customers to finance their purchases. The Credit segment offers consumer credit to its credit-worthy customers. It provides access to multiple financing options to address various customer needs including a proprietary in-house credit program, a third-party financing program and a third-party rent-to-own payment program. The Company's credit customers uses its in-house credit program and typically have a credit score of between 550 and 650, with an average score of applicants for the twelve months ended January 31, 2014 of 602. For customers who do not qualify for the in-house program, the Company provides access to rent-to-own payment plans offered by AcceptanceNow. For customers with higher credit scores, the Company has partnered with GE Capital to offer long-term, no interest and revolving credit plan. The Company's trademarks include Conn's, Conn's HomePlus, YES Money, YE$ Money, SI Money. The Company competes against a group of retailers, including national mass merchants such as Sears, Wal-Mart, Target, Sam's Club and Costco, specialized national retailers such as Best Buy, Rooms ToGo and Mattress Firm, home improvement stores such as Lowe's and Home Depot, Aarons and Rent-A-Center.