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EXHIBIT 21
SUBSIDIARIES OF THE REGISTRANT
Heilig-Meyers Furniture Company, incorporated under the laws of North Carolina;
HMY - RoomStore, Inc., incorporated under the laws of Virginia;
MacSaver Financial Services, Inc., incorporated under the laws of Delaware;
MacSaver Funding Corporation, Inc., incorporated under the laws of Delaware;
MacSaver Insurance Services, Ltd., incorporated under the laws of Bermuda;
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