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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
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FORM 11-K
/X/ ANNUAL REPORT PURSUANT TO SECTION 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the fiscal year ended December 31, 2002
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Commission File No: 1-6695
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JO-ANN STORES, INC.
SAVINGS PLAN 401(K)
(Full title of the plan and the address of the plan,
if different from that of the issuer named below)
Jo-Ann Stores, Inc.
5555 Darrow Road
Hudson, OH 44236
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(Name of issuer of the securities held pursuant to the plan and the
address of its principal executive office)
REQUIRED INFORMATION
Jo-Ann Stores, Inc. Savings Plan 401(k) (the "Plan") is subject to the Employee
Retirement Income Security Act of 1974 ("ERISA"). Therefore, in lieu of the
requirements of Items 1-3 of Form 11-K, the financial statements and schedules
of the Plan for the two fiscal years ended December 31, 2002 and 2001, which
have been prepared in accordance with the financial reporting requirements of
ERISA, are attached hereto as Exhibit 99 and incorporated herein by this
reference.
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the Jo-Ann
Stores, Inc. Savings Plan 401 (k) Advisory Committee (or other persons who
administer the employee benefit plan) have duly caused this annual report to be
signed on its behalf by the undersigned hereunto duly authorized
Jo-Ann Stores, Inc.
Savings Plan 401(k)
By: Jo-Ann Stores, Inc. Savings Plan 401(k) Advisory Committee
/s/ Brian P. Carney
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Brian P. Carney June 30, 2003
Executive Vice President and Chief Financial Officer and
Secretary of Advisory Committee
JO-ANN STORES, INC.
SAVINGS PLAN 401(K)
EXHIBIT INDEX
Official
Exhibit No. Description
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23 Consent of Independent Public Accountants
99 Jo-Ann Stores, Inc.
Savings Plan 401(k)
Financial Statements
As of December 31, 2002 and 2001
Together With Report of
Independent Public Accountants