Obbligazione RentACenter 6.625% ( US76009NAH35 ) in USD

Emittente RentACenter
Prezzo di mercato 100 USD  ⇌ 
Paese  Stati Uniti
Codice isin  US76009NAH35 ( in USD )
Tasso d'interesse 6.625% per anno ( pagato 2 volte l'anno)
Scadenza 14/11/2020 - Obbligazione č scaduto



Prospetto opuscolo dell'obbligazione Rent-A-Center US76009NAH35 in USD 6.625%, scaduta


Importo minimo 2 000 USD
Importo totale 300 000 000 USD
Cusip 76009NAH3
Standard & Poor's ( S&P ) rating N/A
Moody's rating N/A
Descrizione dettagliata Rent-A-Center č una societā americana che offre contratti di noleggio a lungo termine di mobili, elettrodomestici ed elettronica, con l'opzione di acquisto finale.

The Obbligazione issued by RentACenter ( United States ) , in USD, with the ISIN code US76009NAH35, pays a coupon of 6.625% per year.
The coupons are paid 2 times per year and the Obbligazione maturity is 14/11/2020







e424b1
Page 1 of 258
424B1 1 d79094b1e424b1.htm 424B1
http://www.sec.gov/Archives/edgar/data/718451/000095012311047649/d79094b1e424b1.... 5/10/2011


e424b1
Page 2 of 258
Table of Contents
Filed Pursuant to Rule 424(b)(1)
Registration No. 333-171867
PROSPECTUS



Rent-A-Center, Inc.

Offer to Exchange
$300,000,000 Outstanding
6.625% Senior Notes due 2020
and Subsidiary Guarantees of the
6.625% Senior Notes due 2020
for
$300,000,000 Registered
6.625% Senior Notes due 2020
and Subsidiary Guarantees of the
Registered 6.625% Senior Notes due 2020

The Exchange Offer

The exchange offer expires at 5:00 p.m., New York City time, on June 8, 2011, unless extended.

The exchange offer is not conditioned upon the tender of any minimum aggregate amount of the
outstanding unregistered 6.625% Senior Notes due 2020, which we refer to in this prospectus as the
outstanding notes.

All of the outstanding notes tendered according to the procedures set forth in this prospectus and
not withdrawn will be exchanged for an equal principal amount of registered 6.625% Senior Notes due
2020, which we refer to in this prospectus as the exchange notes.

The exchange offer is not subject to any condition other than that it does not violate applicable
laws or any applicable interpretation of the staff of the Securities and Exchange Commission.

Broker-dealers who receive registered notes pursuant to the exchange offer acknowledge that they
will deliver a prospectus in connection with any resale of such registered notes.

Broker-dealers who acquired the outstanding notes as a result of market-making or other trading
activities may use the prospectus for the exchange offer, as supplemented or amended, in connection
with resales of the registered notes.

We urge you to carefully review the risk factors beginning on page 10 of this prospectus,
which you should consider before participating in the exchange offer.

The Exchange Notes

The terms of the exchange notes to be issued in the exchange offer are substantially identical to
the outstanding notes, except that we have registered the issuance of the exchange notes with the
Securities and Exchange Commission. In addition, the exchange notes will not be subject to the
transfer restrictions applicable to the outstanding notes or contain provisions relating to additional
interest, will bear a different CUSIP or ISIN number from the outstanding notes and will not entitle the
holder to registration rights. We will not apply for listing of the exchange notes on any securities
exchange or arrange for them to be quoted on any quotation system. The outstanding notes and the
exchange notes are referred to in this prospectus as the "notes."

http://www.sec.gov/Archives/edgar/data/718451/000095012311047649/d79094b1e424b1.... 5/10/2011


e424b1
Page 3 of 258
The Guarantees

The exchange notes will be jointly and severally guaranteed on a senior unsecured basis by all of
our existing and future direct and indirect domestic subsidiaries that guarantee our indebtedness or
indebtedness of our subsidiary guarantors.

Neither the Securities and Exchange Commission nor any state securities commission has
approved or disapproved of these securities or determined if this prospectus is truthful or
complete. Any representation to the contrary is a criminal offense.

The date of this prospectus is May 9, 2011.
http://www.sec.gov/Archives/edgar/data/718451/000095012311047649/d79094b1e424b1.... 5/10/2011


e424b1
Page 4 of 258

Table of Contents







Page

Where You Can Find Additional Information
ii
Incorporation of Documents by Reference
ii
Forward-Looking Statements
iii
Summary
1
Risk Factors
10
The Exchange Offer
19
Use of Proceeds
27
Ratio of Earnings to Fixed Charges
27
Description of the Exchange Notes
28
Certain United States Federal Income Tax Considerations
82
Certain ERISA Considerations
83
Plan of Distribution
85
Legal Matters
86
Experts
86
Index to Financial Statements
F-1




We have not authorized anyone to give you any information or to make any representations
about anything we discuss in this prospectus other than those contained in the prospectus. If you
are given any information or representation about these matters that is not discussed in this
prospectus, you must not rely on that information.

We are not making an offer to sell, or a solicitation of an offer to buy, the exchange notes or
the outstanding notes in any jurisdiction where, or to any person to or from whom, the offer or
sale is not permitted.

In making an investment decision, investors must rely on their own examination of the issuer
and the terms of the offer, including the merits and risks involved. These securities have not
been recommended by any federal or state securities commission or regulatory authority.
Furthermore, the foregoing authorities have not confirmed the accuracy or determined the
adequacy of this document. Any representation to the contrary is a criminal offense.

We are not making any representation to any holder of the outstanding notes regarding the
legality of an investment in the exchange notes under any legal investment or similar laws or
regulations. We are not providing you with any legal, business, tax or other advice in this
prospectus. You should consult your own attorney, business advisor and tax advisor to assist you
in making your investment decision and to advise you whether you are legally permitted to
invest in the exchange notes.

In connection with the exchange offer, we have filed with the U.S. Securities and Exchange
Commission, or the "SEC," a registration statement on Form S-4, under the Securities Act of
1933, as amended, relating to the exchange notes to be issued in the exchange offer. As permitted
by the SEC, this prospectus omits information included in the registration statement. For a
more complete understanding of the exchange offer, you should refer to the registration
statement, including its exhibits.





http://www.sec.gov/Archives/edgar/data/718451/000095012311047649/d79094b1e424b1.... 5/10/2011


e424b1
Page 5 of 258
Table of Contents
WHERE YOU CAN FIND ADDITIONAL INFORMATION

We are subject to the informational requirements of the Securities Exchange Act of 1934 (the
"Exchange Act") and in accordance therewith file annual, quarterly and other reports and information
with the SEC. For further information regarding us, you may desire to review reports and other
information filed under the Exchange Act, including the reports and other information incorporated by
reference into this prospectus. Such reports and other information may be read and copied at the public
reference room maintained by the SEC at 100 F Street, N.E., Washington, D.C. 20549. Copies can be
obtained by mail at prescribed rates by writing to the public reference room mentioned above. You
may obtain information on the operation of the public reference room by calling the SEC at
1-800-SEC-0330. To obtain timely delivery of any requested information, holders of outstanding
notes must make any request no later than at least five business days prior to the expiration of
the exchange offer. You can also find our filings at the SEC's website at http://www.sec.gov and on
our website at http://www.rentacenter.com.

INCORPORATION OF DOCUMENTS BY REFERENCE

Certain information that we have filed with the SEC is "incorporated by reference" into this
prospectus. The process of incorporation by reference allows us to disclose important business and
financial information to you without duplicating that information in this prospectus. The information
incorporated by reference is considered to be part of this prospectus, and information that we file later
with the SEC will automatically update and supersede the information in this prospectus. We
incorporate by reference the document(s) listed below that we have previously filed with the SEC
(excluding any information furnished to the SEC pursuant to Item 2.02 or Item 7.01 on any Current
Report on Form 8-K) and any future filings we make with the SEC under Sections 13(a), 13(c), 14 or
15(d) of the Exchange Act after the date of the initial registration statement and prior to the
effectiveness of the registration statement or prior to the termination of the exchange offer, except that
we are not incorporating any information included in a Current Report on Form 8-K that has been or
will be furnished to the SEC pursuant to Item 2.02 of Item 7.01 on any Current Report on Form 8-K
(and not filed) with the SEC, unless such information is expressly incorporated herein by a reference
in a furnished Current Report on Form 8-K or other furnished document:


· Our Annual Report on Form 10-K for the fiscal year ended December 31, 2010;


· Our Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2011; and


· Our Current Report on Form 8-K, dated March 22, 2011.

You may request a copy of these filings at no cost, by writing or telephoning us at the following
address:

Rent-A-Center, Inc.
Attention: Investor Relations
5501 Headquarters Dr.
Plano, Texas 75024
(972) 801-1100
ii
http://www.sec.gov/Archives/edgar/data/718451/000095012311047649/d79094b1e424b1.... 5/10/2011


e424b1
Page 6 of 258
Table of Contents

FORWARD-LOOKING STATEMENTS

This prospectus includes and incorporates by reference forward-looking statements. These
statements are included throughout this prospectus, including in the sections entitled "Summary" and
"Risk Factors," and relate to, among other things, expectations regarding revenues, cash flows, capital
expenditures and other financial items. These statements also relate to our business strategy, goals and
expectations concerning our market position, future operations, margins and profitability. We have
used the words "anticipate," "believe," "could," "estimate," "expect," "intend," "may," "plan,"
"predict," "project," "will" and similar terms and phrases to identify forward-looking statements in
this prospectus and in the documents incorporated by reference in this prospectus.

Although we believe the assumptions upon which these forward-looking statements are based are
reasonable, any of these assumptions could prove to be inaccurate and the forward-looking statements
based on these assumptions could be incorrect. Our operations involve risks and uncertainties, many of
which are outside our control, and any one of which, or a combination of which, could materially
affect our results of operations and whether the forward-looking statements ultimately prove to be
correct. Accordingly, these forward-looking statements are qualified in their entirety by reference to
the factors described in "Risk Factors" and included or incorporated by reference elsewhere in this
prospectus.

Actual results and trends in the future may differ materially from those suggested or implied by
the forward-looking statements depending on a variety of factors including, but not limited to:


· uncertainties regarding the ability to open new rent-to-own stores;


· our ability to acquire additional rent-to-own stores or customer accounts on favorable terms;


· our ability to control costs and increase profitability;


· our ability to enhance the performance of acquired stores;


· our ability to retain the revenue associated with acquired customer accounts;


· our ability to identify and successfully market products and services that appeal to our customer
demographic;


· our ability to enter into new and collect on our rental purchase agreements;


· the passage of legislation adversely affecting the rent-to-own industries;


· our failure to comply with statutes or regulations governing the rent-to-own or financial services
industries;

·

interest
rates;


· changes in the unemployment rate;


· economic pressures, such as high fuel costs, affecting the disposable income available to our
targeted consumers;


· conditions affecting consumer spending and the impact, depth, and duration of current economic
conditions;


· changes in our stock price, the number of shares of common stock that we may or may not
repurchase, and future dividends, if any;


· changes in estimates relating to self-insurance liabilities and income tax and litigation reserves;


· changes in our effective tax rate;


· our ability to maintain an effective system of internal controls;

iii
http://www.sec.gov/Archives/edgar/data/718451/000095012311047649/d79094b1e424b1.... 5/10/2011


e424b1
Page 7 of 258
http://www.sec.gov/Archives/edgar/data/718451/000095012311047649/d79094b1e424b1.... 5/10/2011


e424b1
Page 8 of 258
Table of Contents

· changes in the number of share-based compensation grants, methods used to value future share-
based payments and changes in estimated forfeiture rates with respect to share-based
compensation;


· the resolution of any litigation; and


· the other risks detailed from time to time in our SEC reports.

Because such statements are subject to risks, contingencies and uncertainties, actual results may
differ materially from those expressed or implied by the forward-looking statements. Many of these
factors are described in greater detail in our filings with the SEC. You are cautioned not to place
undue reliance on such statements which speak only as of the date on which they are made. Unless
otherwise required by law, we undertake no obligation to publicly update or revise any forward-
looking statements, whether as a result of new information, future events or otherwise.

iv
http://www.sec.gov/Archives/edgar/data/718451/000095012311047649/d79094b1e424b1.... 5/10/2011


e424b1
Page 9 of 258
Table of Contents

SUMMARY

This summary highlights selected information contained elsewhere in this prospectus and is
qualified in its entirety by and should be read in conjunction with the detailed information and
financial statements and related notes contained or incorporated by reference in this
prospectus, including the matters discussed under the caption "Risk Factors." The terms
"Rent-A-Center," the "Company," "we," "our," "us" and similar terms refer to
Rent-A-Center, Inc. and its subsidiaries, except as otherwise indicated.

Company Overview

We are the largest operator in the United States rent-to-own industry with an approximate
35% market share based on our company-owned and franchised store count with a focus on
consumer electronics, furniture, computers, household appliances and accessories. At March 31,
2011, we operated 3,018 company-owned stores nationwide and in Canada, Puerto Rico and
Mexico, including 41 retail installment sales stores under the names "Get It Now" and "Home
Choice," and 18 rent-to-own stores located in Canada under the names "Rent-A-Centre." In
addition, our subsidiary, ColorTyme, is a national franchisor of rent-to-own stores. At
March 31, 2011, ColorTyme had 208 franchised rent-to-own stores in 32 states. These franchise
stores represent 2% of our overall market share based on store count as of March 31, 2011.

We also operate kiosk locations under the trade name "RAC Acceptance" which offers the
rent-to-own transaction to consumers who do not qualify for financing from the traditional
retailer. These kiosks are located within such retailer's store locations. At March 31, 2011, we
operated 485 RAC Acceptance locations.

We offer well known brands such as Sony, Philips, LG, Hitachi, Toshiba and Mitsubishi
home electronics; Whirlpool appliances; Toshiba, Sony, Hewlett-Packard, Dell, Acer and
Compaq computers; and Ashley, England, Standard, Albany and Klaussner furniture. For the
year ended December 31, 2010, consumer electronic products accounted for approximately 33%
of our store rental revenue, furniture and accessories for 32%, appliances for 18% and
computers for 17%. We also offer a broad portfolio of customer services, including repair,
pickup and delivery, generally at no additional charge.

From 2005 to 2010, we also offered an array of financial services in certain of our existing
stores under the names "RAC Financial Services" and "Cash AdvantEdge." The financial
services we offered included, but were not limited to, short term secured and unsecured loans,
debit cards, check cashing and money transfer services.

Industry overview

According to the Association of Progressive Rental Organizations ("APRO"), as of
December 31, 2009, the rent-to-own industry in the United States and Canada is a $7.0 billion
market, consisting of approximately 8,600 stores. We estimate that the two largest rent-to-own
industry participants account for approximately 4,900 of the total number of stores. Although
the top two players have a substantial market share, the rest of the industry remains highly
fragmented, consisting mainly of operations with less than 50 stores. The rent-to-own industry
has experienced significant consolidation and we believe this trend will continue, presenting
opportunities for us to continue to acquire additional stores or customer accounts on favorable
terms.

The rent-to-own industry serves a highly diverse customer base. According to APRO,
approximately 83% of rent-to-own customers have household incomes between $15,000 and
$50,000 per year. The rent-to-own industry is able to serve a wide variety of consumers by
allowing them to obtain merchandise that they might otherwise be unable to obtain due to
insufficient cash resources or a lack of access to credit. We believe the number of consumers
lacking access to credit is increasing. According to a report issued by the Fair Isaac Corporation
on July 13, 2010, consumers in the "subprime" category (those with credit scores below
http://www.sec.gov/Archives/edgar/data/718451/000095012311047649/d79094b1e424b1.... 5/10/2011


e424b1
Page 10 of 258
650) made up 35% of the population.

According to an April 2000 Federal Trade Commission study, 75% of rent-to-own
customers were satisfied with their experience with rent-to-own transactions. The study noted
that customers gave a wide variety of reasons for their satisfaction, including "the ability to
obtain merchandise they otherwise could not; the low payments; the lack of a credit check; the
convenience and flexibility of the transaction; the quality of the merchandise; the quality of the
maintenance, delivery, and other services; the friendliness and flexibility of the store employees;
and the lack of any problems or hassles."

1
http://www.sec.gov/Archives/edgar/data/718451/000095012311047649/d79094b1e424b1.... 5/10/2011