NASDAQ, CRMT - America's Car-Mart
America?s Car-Mart, Inc., a Texas corporation (the ?Company?), is the largest
publicly held automotive retailer in the United States focused exclusively on
the ?Buy Here/Pay Here? segment of the used car market. References to the
Company typically include the Company?s consolidated subsidiaries. The Company?s
operations are principally conducted through its two operating subsidiaries,
America?s Car-Mart, Inc, an Arkansas corporation, (?Car-Mart of Arkansas?) and
Colonial Auto Finance, Inc., an Arkansas corporation,
(?Colonial?). Collectively, Car-Mart of Arkansas and Colonial are referred to
herein as ?Car-Mart.? The Company primarily sells older model used vehicles and
provides financing for substantially all of its customers. Many of the Company?s
customers have limited financial resources and would not qualify for
conventional financing as a result of limited credit histories or past credit
problems. ...
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