The Group's principal activity is the retailing of a wide range of apparel, shoes and accessories for women, men and children. It comprises of four segments: Retail Stores, Credit, Direct, and Other. Retail Stores derives its revenues from sales of high-quality apparel, shoes, cosmetics and accessories. Credit segment generates earnings through finance charges and securitization-related gains on these cards. Direct segment generates revenue from sale of high-quality apparel, shoes, cosmetics and accessories by serving its customers on the web site and through its catalogs. Other segment includes the product development group, which designs and contracts to manufacture private label merchandise sold in the retail stores and direct.
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