Mention Second Chance and many will immediately think of the range of apparel under the company. Inevitably, this is so as the company has carved a name in apparel wear. However this is just one of the two retail businesses Second Chance is engaged in. Beside the retail of apparel through its First Lady stores, Second Chance also retails gold jewellery through its one Golden Chance store in Paya Lebar. For a full understanding of Second Chance’s business, I studied its annual report FY 2013 as of this time in writing, this report was the latest. Navigating Second Chance’s FY 2013, I learnt that the report covered the period Sep 2012 to Aug 2013 while its FY 2012 annual report covered the period Jul 2011 to Aug 2012. Due to the additional two months of reporting for the FY 2012 report, I would not compare figures between these two reports ......