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Published on .

Headquarters: Phoenix

Top executives: Ernest C. Garcia II, chairman-CEO; Steven T. Darak,

senior VP-chief financial officer;

Fernando Moreno, director of marketing

Market niche: Ugly Duckling is a "buy here, pay here" used car retailer with outlets concentrated in Arizona and Florida. The target consumer is a blue-collar worker between ages 18 and 49 with an income of less than $34,000.

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