Cash America International 8-K Cash America Announces That Fourth Quarter Earnings Exceed Expectations and Increased over 100% and Declares Dividend

Exhibit 99.1

Cash America Announces That Fourth Quarter Earnings Exceed Expectations and Increased over 100% and Declares Dividend

FORT WORTH, Texas--(BUSINESS WIRE)--January 28, 2010--Cash America International, Inc. (NYSE: CSH) reported today that its fourth quarter ended December 31, 2009 net income attributable to the Company increased 107% to $33,683,000 ($1.09 per share) compared to $16,267,000 (54 cents per share) for the fourth quarter of 2008. The results for the fourth quarter of 2009 exceeded the top-end of the Company’s previously released guidance for earnings per share of between 94 cents and $1.02, published in its October 22, 2009 press release. The earnings for the fourth quarter of 2008 included unusual items totaling $6,041,000 after taxes (20 cents per share), related to the closure of cash advance locations, severance and management realignment expenses. Net income attributable to the Company for the fourth quarter of 2009 was up 51% year over year when adding back the one-time and unusual items to the fourth quarter 2008 results.

During the fourth quarter of 2009, the Company reported a 16% increase in total revenue, which reached $323,697,000, up from $279,731,000 in the same period in 2008. Higher balances of pawn loans outstanding and cash advance loans written generated increased revenue from these products and contributed the largest share of the growth in total revenue during the fourth quarter. In addition, merchandise sales rose 9% in the fourth quarter of 2009 compared to the same period in 2008 adding to the top line growth for the period. Gross profit margin on the disposition of merchandise was also higher year over year, boosted during the quarter by the higher market price for gold compared to the same period in 2008. The increase in gross profit contribution and the higher revenue from lending activities produced a 20% increase in the Company’s net revenue.

Income from operations reached $58.5 million, up 82% in the fourth quarter of 2009 compared to the same period in 2008 as the growth in net revenue and lower levels of loan losses, in both the storefront and online cash advance distribution channels, combined to achieve the substantial increase in operating income. Excluding the additional costs incurred in 2008, mentioned above, income from operations increased 44%.

Commenting on the results of the quarter, Daniel R. Feehan, President and Chief Executive Officer of Cash America said, “We were able to execute efficiently with all of our loan products in the quarter as demand surged resulting in higher balances outstanding. In addition, we emphasized the sale of merchandise at our retail locations and the liquidation of gold through the open market. Both avenues of sales were successful in the quarter, helping to balance an efficient mix of loans and merchandise as we enter the first quarter of 2010. Mr. Feehan added, “We are also excited that the growth in the earnings for the quarter was achieved with the burden of 69 de novo pawn lending locations added during the year representing the largest single year growth in new pawn locations in the history of Cash America.”

Total revenue for the fiscal year ended December 31, 2009, increased 9% to $1.12 billion, up from $1.03 billion in 2008. Cash America finished fiscal year 2009 with net income of $96,678,000 ($3.17 per share), which was above the top-end of the Company’s previously issued guidance of between $3.00 and $3.08 per share. This compares to $81,140,000 ($2.70 per share) for the full fiscal year ended in 2008. The 2008 earnings include the one-time and unusual charges of $6.0 million after taxes (20 cents per share) discussed above.

Cash America will conduct a conference call to discuss its fourth quarter earnings Thursday, January 28, 2010, at 7:30 AM CST. A live web cast of the call will be available on the Company’s corporate web site in the Investor Relations section (www.cashamerica.com). To listen to the live call, please go to the web site at least fifteen minutes early to register, download, and install any necessary audio software. A replay will be available on the Company’s web site for 90 days following the conference call.

Additionally, the Company announced that the Board of Directors, at its regularly scheduled quarterly meeting, declared a $0.035 (3.5 cents) per share cash dividend on common stock outstanding. The dividend will be paid at the close of business on February 24, 2010 to shareholders of record on February 10, 2010.

Outlook for the First Quarter of 2010 and the 2010 Fiscal Year

Management believes that the opportunities for sustained growth in revenue and earnings will be largely associated with the customer demand for the credit products provided by the Company, which primarily take the form of pawn loans and short-term cash advances. Other elements expected to affect the growth in revenue include the potential impact of the regulatory governance of loan products, the continued growth and development of the Mexican pawn operations and the development and expansion of the Company’s online and card based distribution channels. Management believes that demand for its credit products will continue to expand in 2010. First quarter 2010 results could be influenced by the timing of federal income tax refunds to the Company’s customers. At this point management assumes that refunds will occur on schedule and consistent with prior years. Based on the preceding factors management believes that the first quarter of 2010 will produce between 89 and 94 cents in earnings per share compared to 79 cents in the first quarter of 2009. Management updates and raises its previously reported expectations for its fiscal year 2010 earnings per share to a range of between $3.50 and $3.65 which compares to actual full year 2009 earnings per share of $3.17.

About the Company

As of December 31, 2009, Cash America International, Inc. had 1,048 total locations offering specialty financial services to consumers, including 676 pawn lending locations (including 9 unconsolidated franchised locations) consisting of 500 locations operating in 22 states in the United States under the names “Cash America Pawn” and “SuperPawn” and 176 pawn lending locations, of which the Company is a majority owner, operating in 20 states in central and southern Mexico under the name “Prenda Fácil.” In addition, as of December 31, 2009, the Company had 246 cash advance storefront locations operating in six states in the United States under the names “Cash America Payday Advance” and “Cashland” and 121 unconsolidated franchised and five Company-owned check cashing centers operating in 16 states in the United States under the name “Mr. Payroll.” Additionally, as of December 31, 2009, the Company offered short-term cash advances over the Internet to customers in 32 states in the United States at http://www.cashnetusa.com, in the United Kingdom at http://www.quickquid.co.uk, in Australia at http://www.dollarsdirect.com.au, and in Ontario, Canada at http://www.dollarsdirect.ca. The Company also owns a card services business that processes cash advances on behalf of a third-party lender with balances outstanding in all 50 states and one other United States territory as of December 31, 2009.

For additional information regarding the Company and the services it provides, visit the Company’s websites located at:

http://www.cashamerica.com	http://www.quickquid.co.uk
http://www.cashnetusa.com	http://www.dollarsdirect.com.au
http://www.enovafinancial.com	http://www.dollarsdirect.ca
http://www.cashlandloans.com	http://www.strikegoldnow.com

Safe Harbor Statement under the Private Securities Litigation Reform Act of 1995

This release contains forward-looking statements about the business, financial condition and prospects of Cash America International, Inc. and its subsidiaries (the “Company”). The actual results of the Company could differ materially from those indicated by the forward-looking statements because of various risks and uncertainties including, without limitation, changes in pawn, consumer credit, tax and other laws and governmental rules and regulations applicable to the Company's business, changes in demand for the Company's services, the continued acceptance of the online distribution channel by the Company’s cash advance customers, the actions of third parties who offer products and services to or for the Company, fluctuations in the price of gold, changes in competition, the ability of the Company to open new operating units in accordance with its plans, changes in economic conditions, real estate market fluctuations, interest rate fluctuations, changes in foreign currency exchange rates, changes in the capital markets, the ability to successfully integrate newly acquired businesses into the Company’s operations, the loss of services of any of the Company’s executive officers, the effect of any current or future litigation proceedings on the Company, acts of God, war or terrorism, pandemics and other events, the effect of any of such changes on the Company’s business or the markets in which it operates and other risks and uncertainties indicated in the Company's filings with the Securities and Exchange Commission. These risks and uncertainties are beyond the ability of the Company to control, nor can the Company predict, in many cases, all of the risks and uncertainties that could cause its actual results to differ materially from those indicated by the forward-looking statements. When used in this release, terms such as “believes,” “estimates,” “should,” “could,” “would,” “plans,” “expects,” “anticipates,” “may,” “forecasts,” “projects” and similar expressions and variations as they relate to the Company or its management are intended to identify forward-looking statements. The Company disclaims any intention or obligation to update or revise any forward-looking statements to reflect events or circumstances occurring after the date of this release.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
HIGHLIGHTS OF CONSOLIDATED RESULTS OF OPERATIONS
(in thousands, except per share data)
	Three months ended					Year Ended
	December 31,					December 31,
	2009			2008		2009		2008
Consolidated Operations:
Total revenue	$	323,697	$	279,731	$	1,120,390	$	1,030,794
Net revenue		228,998		190,661		796,113		735,434
Total operating expenses		170,454		158,512		620,461		586,728
Income from operations	$	58,544	$	32,149	$	175,652	$	148,706
Income before income taxes		53,192		27,108		154,716		132,803
Net Income	$	34,144	$	16,313	$	97,936	$	81,186
Less: Net income attributable to the noncontrolling interest		(461)		(46)		(1,258)		(46)
Net Income Attributable to Cash America International, Inc.	$	33,683	$	16,267	$	96,678	$	81,140
Earnings per share:
Net Income attributable to Cash America International, Inc. common stockholders:
Basic	$	1.14	$	0.55	$	3.26	$	2.77
Diluted	$	1.09	$	0.54	$	3.17	$	2.70
Weighted average shares:
Basic		29,475		29,344		29,639		29,327
Diluted		31,013		30,074		30,503		30,092

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES CONSOLIDATED BALANCE SHEETS
(in thousands, except per share data)
		December 31,
		2009		2008
		(Unaudited)
Assets
Current assets:
Cash and cash equivalents	$	46,004	$	30,005
Pawn loans		188,312		168,747
Cash advances, net		108,789		83,850
Merchandise held for disposition, net		113,824		109,493
Finance and service charges receivable		36,544		33,063
Income taxes receivable		-		2,606
Other receivables and prepaid expenses		32,129		15,480
Deferred tax assets		21,536		22,037
Total current assets		547,138		465,281
Property and equipment, net		193,737		185,887
Goodwill		493,492		494,192
Intangible assets, net		27,793		35,428
Other assets		7,495		5,722
Total assets	$	1,269,655	$	1,186,510
Liabilities and Equity
Current liabilities:
Accounts payable and accrued expenses	$	87,368	$	79,759
Accrued supplemental acquisition payment		2,291		47,064
Customer deposits		8,837		8,814
Income taxes currently payable		8,699		-
Current portion of long-term debt		25,493		15,810
Total current liabilities		132,688		151,447
Deferred tax liabilities		42,590		27,575
Noncurrent income tax payable		2,009		3,050
Other liabilities		5,479		2,359
Long-term debt		403,690		422,344
Total liabilities		586,456		606,775
Equity:
Cash America International, Inc. equity:
Common stock, $.10 par value per share, 80,000,000 shares authorized, 30,235,164 shares issued		3,024		3,024
Additional paid-in capital		166,761		160,007
Retained earnings		532,805		440,252
Accumulated other comprehensive income (loss)		1,181		(3,964)
Treasury shares, at cost (933,082 shares and 818,772 shares) at December 31, 2009 and 2008, respectively		(26,836)		(24,278)
Total Cash America International, Inc. stockholders’ equity		676,935		575,041
Noncontrolling interest		6,264		4,694
Total equity		683,199		579,735
Total liabilities and equity	$	1,269,655	$	1,186,510

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME (in thousands, except per share data)
		Three months ended				Year Ended
		December 31,				December 31,
		2009		2008		2009		2008
		(Unaudited)
Revenue
Finance and service charges	$	64,019	$	51,207	$	231,178	$	184,995
Proceeds from disposition of merchandise		148,017		135,466		502,736		465,655
Cash advance fees		108,737		89,993		371,856		364,603
Check cashing fees, royalties and other		2,924		3,065		14,620		15,541
Total Revenue		323,697		279,731		1,120,390		1,030,794
Cost of Revenue
Disposed merchandise		94,699		89,070		324,277		295,360
Net Revenue		228,998		190,661		796,113		735,434
Expenses
Operations		98,843		87,190		360,127		330,744
Cash advance loss provision		39,174		37,906		130,816		140,723
Administration		21,801		21,721		87,929		75,610
Depreciation and amortization		10,636		11,695		41,589		39,651
Total Expenses		170,454		158,512		620,461		586,728
Income from Operations		58,544		32,149		175,652		148,706
Interest expense		(5,216)		(4,988)		(20,807)		(15,993)
Interest income		3		47		29		267
Foreign currency transaction gain (loss)		(139)		(100)		(158)		(177)
Income before Income Taxes		53,192		27,108		154,716		132,803
Provision for income taxes		19,048		10,795		56,780		51,617
Net Income		34,144		16,313		97,936		81,186
Less: Net income attributable to the noncontrolling interest		(461)		(46)		(1,258)		(46)
Net Income Attributable to Cash America International, Inc.	$	33,683	$	16,267	$	96,678	$	81,140
Earnings Per Share:
Net Income attributable to Cash America International, Inc. common stockholders:
Basic	$	1.14	$	0.55	$	3.26	$	2.77
Diluted	$	1.09	$	0.54	$	3.17	$	2.70
Weighted average common shares outstanding:
Basic		29,475		29,344		29,639		29,327
Diluted		31,013		30,074		30,503		30,092
Dividends declared per common share	$	0.035	$	0.035	$	0.140	$	0.140

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES FINANCIAL AND OPERATING DATA (in thousands, except where otherwise noted)
	Three months ended		Year Ended
	December 31,		December 31,
	2009	2008	2009	2008
Location statistics
Pawn segment locations in operation – (e)
Beginning of period, owned	645	487	598	485
Acquired	2	112	3	113
Start-ups	20	-	69	1
Combined or closed	-	(1)	(3)	(1)
End of period, owned	667	598	667	598
Franchise locations at end of period (a)	9	15	9	15
Total pawn lending locations at end of period (a) (e)	676	613	676	613
Average number of owned pawn lending locations (a) (e)	656	515	631	495
Cash advance segment locations in operation (excludes online lending and card services) –
Beginning of period	248	290	248	304
Combined or closed	(2)	(42)	(2)	(56)
End of period	246	248	246	248
Average number of cash advance locations	247	274	248	292
Check cashing segment locations –
Company-owned locations at end of period	6	5	6	5
Franchised locations at end of period (a)	120	128	120	128
Total check cashing centers in operation at end of period (a)	126	133	126	133
Combined total of all locations at end of period (a)	1,048	994	1,048	994
Services offered by location
Pawn lending –
Pawn lending segment:
Domestic	491	486	491	486
Foreign (e)	176	112	176	112
Franchise – domestic (a)	9	15	9	15
Combined pawn lending segment (e)	676	613	676	613
Cash advance segment – storefront operations	150	-	150	-
Total locations offering pawn lending (a) (e)	826	613	826	613
Cash advances –
Cash advance segment – storefront operations	246	248	246	248
Pawn lending segment – domestic	434	431	434	431
Total locations offering cash advances	680	679	680	679
Check cashing –
Check cashing segment
Company-owned locations	6	5	6	5
Franchised locations (a)	120	128	120	128
Total check cashing segment (a)	126	133	126	133
Cash advance segment – storefront operations	246	248	246	248
Pawn lending segment – domestic	389	401	389	401
Total locations offering check cashing (a)	761	782	761	782

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES FINANCIAL AND OPERATING DATA (in thousands, except where otherwise noted)
		Three months ended				Year Ended
		December 31,				December 31,
		2009		2008		2009		2008
Market coverage
Market coverage for pawn lending segment at end of period
States in the U.S		22		22		22		22
Foreign countries (e)		1		1		1		1
Market coverage for cash advance segment at end of period(c)
States and other U.S. territories
Storefront		6		6		6		6
Online		33		33		33		33
Card services		53		48		53		48
Foreign countries
Online		3		1		3		1
Pawn Lending Activities(f)
Annualized yield on pawn loans -
Pawn lending segment:
Domestic		131.9	%	128.9	%	131.8	%	129.0	%
Foreign (e)		154.4	%	126.3	%	149.6	%	103.1	%
Combined pawn lending segment (e)		134.8	%	128.8	%	133.9	%	128.8	%
Cash advance segment – storefront operations		77.1	%	-	%	82.0	%	-	%
Combined annualized yield on pawn loans (e)		134.2	%	128.8	%	133.6	%	128.8	%
Amount of pawn loans written and renewed -
Pawn lending segment:
Domestic	$	159,787	$	148,949	$	624,966	$	591,502
Foreign (e)		33,794		3,313		106,569		3,313
Combined pawn lending segment (e)	$	193,581	$	152,262	$	731,535	$	594,815
Cash advance segment – storefront operations		1,576		-		4,230		-
Combined amount of pawn loans written and renewed (e)	$	195,157	$	152,262	$	735,765	$	594,815
Average pawn loan balance outstanding -
Pawn lending segment:
Domestic	$	163,280	$	153,948	$	151,892	$	142,400
Foreign (e)		24,187		4,168		20,250		1,283
Combined pawn lending segment (e)	$	187,467	$	158,116	$	172,142	$	143,683
Cash advance segment – storefront operations		1,750		-		908		-
Combined average pawn loan balance outstanding (e)	$	189,217	$	158,116	$	173,050	$	143,683
Ending pawn loan balance -
Pawn lending segment:
Domestic	$	162,392	$	152,074	$	162,392	$	152,074
Foreign (e)		23,985		16,673		23,985		16,673
Combined pawn lending segment (e)	$	186,377	$	168,747	$	186,377	$	168,747
Cash advance segment – storefront operations		1,935		-		1,935		-
Combined ending pawn loan balance (e)	$	188,312	$	168,747	$	188,312	$	168,747
Ending pawn loan balance per location offering pawn loans -
Pawn lending segment :
Domestic	$	331	$	313	$	331	$	313
Foreign (e)	$	136	$	149	$	136	$	149
Combined pawn lending segment (e)	$	279	$	282	$	279	$	282
Cash advance segment - storefront operations	$	13	$	-	$	13	$	-
Combined ending pawn loan balance per location offering pawn loans (e)	$	230	$	282	$	230	$	282

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES FINANCIAL AND OPERATING DATA (in thousands, except where otherwise noted)
		Three months ended						Year Ended
		December 31,						December 31,
		2009			2008			2009			2008
Average pawn loan amount at end of period (not in thousands) -
Pawn lending segment:
Domestic	$	126		$	125		$	126		$	125
Foreign (e)	$	116		$	90		$	116		$	90
Combined pawn lending segment (e)	$	125		$	120		$	125		$	120
Cash advance segment – storefront operations	$	113		$	-		$	113		$	-
Combined average pawn loan amount at end of period (e)	$	125		$	120		$	125		$	120
Disposition of merchandise – domestic –
Profit margin on disposition of merchandise
Pawn lending segment – domestic		35.9		%	34.3		%	35.5		%	36.6		%
Cash advance segment – storefront operations		38.4		%	-		%	36.7		%	-		%
Combined profit margin on disposition of merchandise		36.0		%	34.3		%	35.5		%	36.6		%
Combined average annualized merchandise turnover		3.2	x		3.2	x		2.9	x		2.9	x
Disposition of merchandise - pawn lending segment – domestic -
Average annualized merchandise turnover		3.1	x		3.2	x		2.9	x		2.9	x
Average balance of merchandise held for disposition per average location in operation	$	240		$	229		$	223		$	210
Ending balance of merchandise held for disposition per location in operation	$	230		$	225		$	230		$	225
Cash advance activities(f)
Amount of cash advances written –(a) (c)
Funded by the Company
Cash advance segment:
Storefront	$	185,658		$	137,359		$	645,673		$	586,929
Internet lending		186,783			183,934			696,821			727,652
Total cash advance segment	$	372,441		$	321,293		$	1,342,494		$	1,314,581
Pawn lending segment - domestic		16,469			15,832			60,393			59,061
Combined funded by the Company	$	388,910		$	337,125		$	1,402,887		$	1,373,642
Funded by third-party lenders (a) (b)
Cash advance segment:
Storefront	$	25,405		$	13,599		$	90,215		$	85,184
Internet lending		195,940			121,497			581,740			449,221
Card services		64,385			14,694			140,508			22,198
Total cash advance segment	$	285,730		$	149,790		$	812,463		$	556,603
Pawn lending segment - domestic		34,946			35,048			130,434			146,330
Combined funded by third-party lenders (a) (b)	$	320,676		$	184,838		$	942,897		$	702,933
Aggregate amount of cash advances written - (a) (c)
Cash advance segment:
Storefront	$	211,063		$	150,958		$	735,888		$	672,113
Internet lending		382,723			305,431			1,278,561			1,176,873
Card services		64,385			14,694			140,508			22,198
Total cash advance segment	$	658,171		$	471,083		$	2,154,957		$	1,871,184
Pawn lending segment - domestic		51,415			50,880			190,827			205,391
Combined aggregate amount of cash advances written(a) (c)	$	709,586		$	521,963		$	2,345,784		$	2,076,575

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES FINANCIAL AND OPERATING DATA (in thousands, except where otherwise noted)
		Three months ended				Year Ended
		December 31,				December 31,
		2009		2008		2009		2008
Number of cash advances written (not in thousands) –
Funded by the Company
Cash advance segment:
Storefront		414,368		365,420		1,453,245		1,632,631
Internet lending		460,896		445,194		1,731,164		1,722,689
Total cash advance segment		875,264		810,614		3,184,409		3,355,320
Pawn lending segment – domestic		50,059		48,750		184,110		186,268
Combined by the Company		925,323		859,364		3,368,519		3,541,588
Funded by third-party lenders (a) (b)
Cash advance segment:
Storefront		41,628		23,121		150,659		150,772
Internet lending		285,558		174,940		825,890		668,074
Card services		377,970		88,675		894,206		129,634
Total cash advance segment		705,156		286,736		1,870,755		948,480
Pawn lending segment - domestic		65,158		69,850		243,608		306,521
Combined by third-party lenders (a) (b)		770,314		356,586		2,114,363		1,255,001
Aggregate number of cash advances written - (a) (c)
Cash advance segment:
Storefront		455,996		388,541		1,603,904		1,783,403
Internet lending		746,454		620,134		2,557,054		2,390,763
Card services		377,970		88,675		894,206		129,634
Total cash advance segment		1,580,420		1,097,350		5,055,164		4,303,800
Pawn lending segment - domestic		115,217		118,600		427,718		492,789
Combined aggregate number of cash advances written (a) (c)		1,695,637		1,215,950		5,482,882		4,796,589
Cash advance customer balances (gross):
Owned by Company (d)
Cash advance segment:
Storefront	$	45,226	$	39,223	$	45,226	$	39,223
Internet lending		72,600		55,729		72,600		55,729
Card services		11,553		3,551		11,553		3,551
Total cash advance segment	$	129,379	$	98,503	$	129,379	$	98,503
Pawn lending segment - domestic		6,760		6,842		6,760		6,842
Combined owned by the Company(d)	$	136,139	$	105,345	$	136,139	$	105,345
Owned by third-party lenders (a) (b)
Cash advance segment :
Storefront	$	4,730	$	4,532	$	4,730	$	4,532
Internet lending		38,174		23,018		38,174		23,018
Card services		1,284		237		1,284		237
Total cash advance segment	$	44,188	$	27,787	$	44,188	$	27,787
Pawn lending segment - domestic		6,958		7,395		6,958		7,395
Combined owned by third-party lenders (a) (b)	$	51,146	$	35,182	$	51,146	$	35,182
Aggregate cash advance customer balances (gross) - (a) (c)
Cash advance segment:
Storefront	$	49,956	$	43,755	$	49,956	$	43,755
Internet lending		110,774		78,747		110,774		78,747
Card services		12,837		3,788		12,837		3,788
Total cash advance segment	$	173,567	$	126,290	$	173,567	$	126,290
Pawn lending segment - domestic		13,718		14,237		13,718		14,237
Combined aggregate cash advance customer balances (gross) (a) (c)	$	187,285	$	140,527	$	187,285	$	140,527

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES FINANCIAL AND OPERATING DATA (in thousands, except where otherwise noted)
			Three months ended				Year Ended
			December 31,				December 31,
			2009		2008		2009		2008
	Average amount per cash advance written (not in thousands) -
	Funded by the Company
	Cash advance segment:
	Storefront	$	448	$	376	$	444	$	359
	Internet lending	$	405	$	413	$	403	$	422
	Total cash advance segment	$	426	$	396	$	422	$	392
	Pawn lending segment - domestic	$	329	$	325	$	328	$	317
	Combined by the Company	$	420	$	392	$	416	$	388
	Funded by third-party lenders (a) (b)
	Cash advance segment
	Storefront	$	610	$	588	$	599	$	565
	Internet lending	$	686	$	695	$	704	$	672
	Card services	$	170	$	166	$	157	$	171
	Total cash advance segment	$	405	$	522	$	434	$	587
	Pawn lending segment - domestic	$	536	$	502	$	535	$	477
	Combined by third-party lenders (a) (b)	$	416	$	518	$	446	$	560
	Aggregate average amount per cash advance written -(a) (c)
	Cash advance segment:
	Storefront	$	463	$	389	$	459	$	377
	Internet lending	$	513	$	493	$	500	$	492
	Card services	$	170	$	166	$	157	$	171
	Total cash advance segment	$	416	$	429	$	426	$	435
	Pawn lending segment - domestic	$	446	$	429	$	446	$	417
	Combined aggregate average amount per cash advance written(a) (c)	$	418	$	429	$	428	$	433
	Check cashing
	Face amount of checks cashed -
	Company-owned locations:
	Check cashing segment	$	5,554	$	7,165	$	22,902	$	29,487
	Cash advance segment		29,500		36,099		150,227		187,787
	Pawn lending segment		5,376		7,716		23,683		35,199
	Combined company-owned locations		40,430		50,980		196,812		252,473
	Franchised locations - check cashing segment (a)		226,365		282,044		1,017,036		1,250,044
	Combined face amount of checks cashed (a)	$	266,795	$	333,024	$	1,213,848	$	1,502,517
	Fees collected from customers -
	Company-owned locations:
	Check cashing segment	$	67	$	87	$	311	$	400
	Cash advance segment		690		840		3,703		4,911
	Pawn lending segment		94		140		431		646
	Combined company-owned locations		851		1,067		4,445		5,957
	Franchised locations - check cashing segment (a)		3,219		3,885		14,507		17,625
	Combined fees collected from customers (a)	$	4,070	$	4,952	$	18,952	$	23,582
	Fees as a percentage of checks cashed -
	Company-owned locations:
	Check cashing segment		1.2	%	1.2	%	1.4	%	1.4	%
	Cash advance segment		2.3		2.3		2.5		2.6
	Pawn lending segment		1.7		1.8		1.8		1.8
	Combined company-owned locations		2.1		2.1		2.3		2.4
	Franchised locations - check cashing segment(a)		1.4		1.4		1.4		1.4
	Combined fees as a percentage of checks cashed (a)		1.5	%	1.5	%	1.6	%	1.6	%

	CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES FINANCIAL AND OPERATING DATA (in thousands, except where otherwise noted)
				Three months ended				Year Ended
				December 31,				December 31,
				2009		2008		2009		2008
		Average check cashed (not in thousands) –
		Company-owned locations:
		Check cashing segment	$	392	$	402	$	415	$	405
		Cash advance segment	$	497	$	452	$	562	$	502
		Pawn lending segment	$	341	$	430	$	392	$	463
		Combined company-owned locations	$	453	$	441	$	514	$	483
		Franchised locations – check cashing segment (a)	$	411	$	423	$	446	$	455
		Combined average check cashed(a)	$	417	$	423	$	450	$	454
a)	Non-generally accepted accounting principles in the United States (“non-GAAP”) presentation.  Management believes that information provided with this level of detail is meaningful and useful in understanding the activities and business metrics of the Company’s operations.  The non-GAAP financial measure is provided immediately following its most comparable generally accepted accounting principles accepted in the United States ("GAAP") amount and can be reconciled to its most comparable GAAP amount through the presentation of the financial information above.
b)	Includes (i) cash advances written by third-party lenders that were arranged by the Company on behalf of the third-party lenders through a CSO Program offered in certain states in the Company’s storefront and online distribution channels, and (ii) line of credit advances issued by a third-party lender utilizing the Company’s card services distribution channel to process these cash advances under a line of credit offered by such lender on certain stored-value and payroll cards issued by such lender.  In its card services distribution channel, the Company acquires a participation interest in the receivables generated by the third party lender; and cash advance fees associated with the Company’s card services activities include revenue from the Company’s participation interest in the line of credit receivables generated by the third party lender, as well as marketing, processing and other miscellaneous fee income. (Note: The Company did not commence business in the card services distribution channel until the third quarter of 2008).
c)	Includes cash advances written by the Company as well as the cash advance products described in footnote (b) above.
d)	Amounts recorded in the Company’s consolidated financial statements.
e)	Includes Prenda Fácil locations from the date of acquisition of December 16, 2008.
f)	Excludes franchised locations.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES CONSOLIDATED CASH ADVANCES OUTSTANDING AND RELATED ALLOWANCE FOR LOSSES (in thousands)
							December 31,
							2009				2008
Funded by the Company (a)
Active cash advances and fees receivable						$	87,710			$	69,443
Cash advances and fees in collection							20,055				21,147
Total funded by the Company (a)							107,765				90,590
Funded by third-party lenders(b) (c)
Active cash advances and fees receivable							61,242				37,458
Cash advances and fees in collection							18,278				12,479
Total funded by third-party lenders(b) (c)							79,520				49,937
Combined gross portfolio of cash advances and fees receivable(b) (d)							187,285				140,527
Less: Elimination of cash advances owned by third-party lenders							51,146				35,182
Company-owned cash advances and fees receivable, gross							136,139				105,345
Less: Allowance for losses							27,350				21,495
Cash advances and fees receivable, net						$	108,789			$	83,850
			Three Months Ended						Year Ended
			December 31,						December 31,
			2009		2008				2009			2008
Allowance for losses for Company-owned cash advances
Balance at beginning of period		$	24,688	$	25,301			$	21,495		$	25,676
Cash advance loss provision			39,046		37,728				130,007			140,416
Charge-offs			(42,405)		(47,140)				(144,295)			(170,585)
Recoveries			6,021		5,606				20,143			25,988
Balance at end of period		$	27,350	$	21,495			$	27,350		$	21,495
Accrual for third-party lender-owned cash advances
Balance at beginning of period		$	2,816	$	1,957			$	2,135		$	1,828
(Decrease) increase in loss provision			128		178				809			307
Balance at end of period		$	2,944	$	2,135			$	2,944		$	2,135
Combined cash advance loss provision		$	39,174	$	37,906			$	130,816		$	140,723
Charge-offs (net of recoveries)		$	36,384	$	41,534			$	124,152		$	144,597
Combined cash advance loss provision as a % of combined cash advances written(b)			5.5%		7.3%				5.6%			6.8%
Charge-offs (net of recoveries) as a % of combined cash advances written(b)			5.1%		8.0%				5.3%			7.0%
Combined allowance for losses and accrued third-party lender losses as a % of combined gross portfolio(b)			16.2%		16.8%				16.2%			16.8%
(a)	Cash advances written by the Company in its pawn and cash advance locations and through the internet distribution channel.
(b)	Non-GAAP presentation. Management evaluates the cash advance portfolio on an aggregate basis including the loss provision for the Company-owned and the third-party lender-owned portfolio that the Company guarantees. The non-GAAP financial measure is provided immediately following its most comparable GAAP amount and can be reconciled to its most comparable GAAP amount through the presentation of the financial information above.
(c)	Cash advances written by third-party lenders that were marketed, processed, or arranged by the Company on behalf of the third-party lenders, all at the Company’s pawn and cash advance locations and through the internet and card services distribution channels. (Note: The Company commenced business in the card services distribution channel in the third quarter of 2008.)
(d)	Includes (i) cash advances written by the Company, and (ii) cash advances written by third-party lenders that were marketed, processed or arranged, by the Company on behalf of the third-party lenders, all at the Company’s pawn and cash advance locations and through the Company’s internet and card services distribution channels. (Note: The Company commenced business in the card services distribution channel in the third quarter of 2008.)

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INCOME FROM OPERATIONS BY OPERATING SEGMENT THREE MONTHS AND YEAR ENDED DECEMBER 31, 2009 AND 2008 (in thousands)
The Company has three reportable operating segments: pawn lending, cash advance and check cashing.  The cash advance and check cashing segments are managed separately due to the different operational strategies required and, therefore, are reported as separate segments.  For comparison purposes, all prior periods in the tables below reflect current classification of administrative and operating expenses.
		Pawn Lending (1)		Cash Advance (2)		Check Cashing		Consolidated
Three months ended December 31, 2009
Revenue
Finance and service charges	$	63,678	$	341	$	-	$	64,019
Proceeds from disposition of merchandise		142,241		5,776		-		148,017
Cash advance fees		8,279		100,458		-		108,737
Check cashing fees, royalties and other		892		1,434		598		2,924
Total revenue		215,090		108,009		598		323,697
Cost of revenue – disposed merchandise		91,139		3,560		-		94,699
Net revenue		123,951		104,449		598		228,998
Expenses
Operations		62,988		35,544		311		98,843
Cash advance loss provision		2,041		37,133		-		39,174
Administration		10,042		11,541		218		21,801
Depreciation and amortization		7,567		3,032		37		10,636
Total expenses		82,638		87,250		566		170,454
Income from operations	$	41,313	$	17,199	$	32	$	58,544
As of December 31, 2009
Total assets	$	781,346	$	481,772	$	6,537	$	1,269,655
Goodwill	$	206,635	$	281,547	$	5,310	$	493,492
		Pawn Lending (1)		Cash Advance (2)		Check Cashing		Consolidated
Three months ended December 31, 2008
Revenue
Finance and service charges	$	51,207	$	-	$	-	$	51,207
Proceeds from disposition of merchandise		134,679		787		-		135,466
Cash advance fees		8,326		81,667		-		89,993
Check cashing fees, royalties and other		774		1,539		752		3,065
Total revenue		194,986		83,993		752		279,731
Cost of revenue – disposed merchandise		88,535		535		-		89,070
Net revenue		106,451		83,458		752		190,661
Expenses
Operations		55,714		31,185		291		87,190
Cash advance loss provision		2,236		35,670		-		37,906
Administration		13,053		8,374		294		21,721
Depreciation and amortization		6,154		5,484		57		11,695
Total expenses		77,157		80,713		642		158,512
Income from operations	$	29,294	$	2,745	$	110	$	32,149
As of December 31, 2008
Total assets	$	726,747	$	453,047	$	6,716	$	1,186,510
Goodwill	$	205,009	$	283,873	$	5,310	$	494,192

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INCOME FROM OPERATIONS BY OPERATING SEGMENT THREE MONTHS AND YEAR ENDED DECEMBER 31, 2009 AND 2008 (in thousands)
		Pawn Lending (1)		Cash Advance (2)		Check Cashing		Consolidated
Year Ended December 31, 2009
Revenue
Finance and service charges	$	230,433	$	745	$	-	$	231,178
Proceeds from disposition of merchandise		488,402		14,334		-		502,736
Cash advance fees		31,420		340,436		-		371,856
Check cashing fees, royalties and other		3,971		7,870		2,779		14,620
Total revenue		754,226		363,385		2,779		1,120,390
Cost of revenue – disposed merchandise		315,198		9,079		-		324,277
Net revenue		439,028		354,306		2,779		796,113
Expenses
Operations		236,405		122,541		1,181		360,127
Cash advance loss provision		7,109		123,707		-		130,816
Administration		42,721		44,246		962		87,929
Depreciation and amortization		28,822		12,543		224		41,589
Total expenses		315,057		303,037		2,367		620,461
Income from operations	$	123,971	$	51,269	$	412	$	175,652
		Pawn Lending (1)		Cash Advance (2)		Check Cashing		Consolidated
Year Ended December 31, 2008
Revenue
Finance and service charges	$	184,995	$	-	$	-	$	184,995
Proceeds from disposition of merchandise		464,868		787		-		465,655
Cash advance fees		34,840		329,763		-		364,603
Check cashing fees, royalties and other		3,743		8,410		3,388		15,541
Total revenue		688,446		338,960		3,388		1,030,794
Cost of revenue – disposed merchandise		294,825		535		-		295,360
Net revenue		393,621		338,425		3,388		735,434
Expenses
Operations		215,122		114,334		1,288		330,744
Cash advance loss provision		9,903		130,820		-		140,723
Administration		40,134		34,358		1,118		75,610
Depreciation and amortization		23,679		15,733		239		39,651
Total expenses		288,838		295,245		2,645		586,728
Income from operations	$	104,783	$	43,180	$	743	$	148,706

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INCOME FROM OPERATIONS BY OPERATING SEGMENT THREE MONTHS AND YEAR ENDED DECEMBER 31, 2009 AND 2008 (in thousands)
(1) The Pawn Lending segment is composed of the Company’s domestic pawn lending operations and Prenda Fácil.  The following table summarizes the results from each channel’s contributions to the Pawn Lending segment for the three months and year ended December 31, 2009 and 2008.  The average exchange rate of MXN (Mexican pesos) to USD for the three months and year ended December 31, 2009 is 12.961 and 13.493, respectively.  The exchange rate from December 16, 2008 to December 31, 2008, was 13.351.
		Domestic		Foreign		Total Pawn Lending
Three months ended December 31, 2009
Revenue
Finance and service charges	$	54,266	$	9,412	$	63,678
Proceeds from disposition of merchandise		142,241		-		142,241
Cash advance fees		8,279		-		8,279
Check cashing fees, royalties and other		812		80		892
Total revenue		205,598		9,492		215,090
Cost of revenue – disposed merchandise		91,139		-		91,139
Net revenue		114,459		9,492		123,951
Expenses
Operations		59,013		3,975		62,988
Cash advance loss provision		2,041		-		2,041
Administration		8,097		1,945		10,042
Depreciation and amortization		6,433		1,134		7,567
Total expenses		75,584		7,054		82,638
Income from operations	$	38,875	$	2,438	$	41,313
		Domestic		Foreign		Total Pawn Lending
Three months ended December 31, 2008
Revenue
Finance and service charges	$	49,884	$	1,323	$	51,207
Proceeds from disposition of merchandise		134,679		-		134,679
Cash advance fees		8,326		-		8,326
Check cashing fees, royalties and other		767		7		774
Total revenue		193,656		1,330		194,986
Cost of revenue – disposed merchandise		88,535		-		88,535
Net revenue		105,121		1,330		106,451
Expenses
Operations		55,289		425		55,714
Cash advance loss provision		2,236		-		2,236
Administration		12,713		340		13,053
Depreciation and amortization		6,098		56		6,154
Total expenses		76,336		821		77,157
Income from operations	$	28,785	$	509	$	29,294

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INCOME FROM OPERATIONS BY OPERATING SEGMENT THREE MONTHS AND YEAR ENDED DECEMBER 31, 2009 AND 2008 (in thousands)
		Domestic		Foreign		Total Pawn Lending
Year Ended December 31, 2009
Revenue
Finance and service charges	$	200,159	$	30,274	$	230,433
Proceeds from disposition of merchandise		488,402		-		488,402
Cash advance fees		31,420		-		31,420
Check cashing fees, royalties and other		3,562		409		3,971
Total revenue		723,543		30,683		754,226
Cost of revenue – disposed merchandise		315,198		-		315,198
Net revenue		408,345		30,683		439,028
Expenses
Operations		223,761		12,644		236,405
Cash advance loss provision		7,109		-		7,109
Administration		35,843		6,878		42,721
Depreciation and amortization		24,991		3,831		28,822
Total expenses		291,704		23,353		315,057
Income from operations	$	116,641	$	7,330	$	123,971
		Domestic		Foreign		Total Pawn Lending
Year Ended December 31, 2008
Revenue
Finance and service charges	$	183,672	$	1,323	$	184,995
Proceeds from disposition of merchandise		464,868		-		464,868
Cash advance fees		34,840		-		34,840
Check cashing fees, royalties and other		3,736		7		3,743
Total revenue		687,116		1,330		688,446
Cost of revenue – disposed merchandise		294,825		-		294,825
Net revenue		392,291		1,330		393,621
Expenses
Operations		214,697		425		215,122
Cash advance loss provision		9,903		-		9,903
Administration		39,794		340		40,134
Depreciation and amortization		23,623		56		23,679
Total expenses		288,017		821		288,838
Income from operations	$	104,274	$	509	$	104,783

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INCOME FROM OPERATIONS BY OPERATING SEGMENT THREE MONTHS AND YEAR ENDED DECEMBER 31, 2009 AND 2008 (in thousands)
(2) The Cash Advance segment is composed of three distribution channels - a multi-unit “storefront” platform, an online, internet based lending platform, and a card services business.  The following table summarizes the results from each channel’s contributions to the Cash Advance segment for the three months and year ended December 31, 2009 and 2008.
Three months ended December 31, 2009		Storefront		Internet Lending		Card Services		Total Cash Advance
Revenue
Finance and service charges	$	341	$	-	$	-	$	341
Proceeds from disposition of merchandise		5,776		-		-		5,776
Cash advance fees		24,057		70,907		5,494		100,458
Check cashing fees, royalties and other		1,212		219		3		1,434
Total revenue		31,386		71,126		5,497		108,009
Cost of revenue – disposed merchandise		3,560		-		-		3,560
Net revenue		27,826		71,126		5,497		104,449
Expenses
Operations		14,787		19,960		797		35,544
Cash advance loss provision		3,969		31,389		1,775		37,133
Administration		2,067		9,333		141		11,541
Depreciation and amortization		1,231		1,629		172		3,032
Total expenses		22,054		62,311		2,885		87,250
Income from operations	$	5,772	$	8,815	$	2,612	$	17,199
Three months ended December 31, 2008		Storefront		Internet Lending		Card Services		Total Cash Advance
Revenue
Proceeds from disposition of merchandise	$	787	$	-	$	-	$	787
Cash advance fees		23,315		57,029		1,323		81,667
Check cashing fees, royalties and other		1,592		(54)		1		1,539
Total revenue		25,694		56,975		1,324		83,993
Cost of revenue – disposed merchandise		535		-		-		535
Net revenue		25,159		56,975		1,324		83,458
Expenses
Operations		18,254		11,929		1,002		31,185
Cash advance loss provision		6,229		28,788		653		35,670
Administration		1,952		6,170		252		8,374
Depreciation and amortization		3,811		1,500		173		5,484
Total expenses		30,246		48,387		2,080		80,713
Income (loss) from operations	$	(5,087)	$	8,588	$	(756)	$	2,745

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INCOME FROM OPERATIONS BY OPERATING SEGMENT THREE MONTHS AND YEAR ENDED DECEMBER 31, 2009 AND 2008 (in thousands)
Year Ended December 31, 2009		Storefront		Internet Lending		Card Services		Total Cash Advance
Revenue
Finance and service charges	$	745	$	-	$	-	$	745
Proceeds from disposition of merchandise		14,334		-		-		14,334
Cash advance fees		86,577		241,268		12,591		340,436
Check cashing fees, royalties and other		6,752		1,109		9		7,870
Total revenue		108,408		242,377		12,600		363,385
Cost of revenue – disposed merchandise		9,079		-		-		9,079
Net revenue		99,329		242,377		12,600		354,306
Expenses
Operations		58,961		60,251		3,329		122,541
Cash advance loss provision		14,533		104,454		4,720		123,707
Administration		9,042		34,629		575		44,246
Depreciation and amortization		5,246		6,718		579		12,543
Total expenses		87,782		206,052		9,203		303,037
Income from operations	$	11,547	$	36,325	$	3,397	$	51,269
Year Ended December 31, 2008		Storefront		Internet Lending		Card Services		Total Cash Advance
Revenue
Proceeds from disposition of merchandise	$	787	$	-	$	-	$	787
Cash advance fees		106,294		221,319		2,150		329,763
Check cashing fees, royalties and other		8,402		5		3		8,410
Total revenue		115,483		221,324		2,153		338,960
Cost of revenue – disposed merchandise		535		-		-		535
Net revenue		114,948		221,324		2,153		338,425
Expenses
Operations		69,887		42,619		1,828		114,334
Cash advance loss provision		23,650		106,189		981		130,820
Administration		9,944		24,062		352		34,358
Depreciation and amortization		10,499		5,061		173		15,733
Total expenses		113,980		177,931		3,334		295,245
Income (loss) from operations	$	968	$	43,393	$	(1,181)	$	43,180

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INVENTORY AND GROSS PROFIT OPERATING DATA THREE MONTHS AND YEAR ENDED DECEMBER 31, 2009 AND 2008 (in thousands)
The table below summarizes the age of merchandise held for disposition before valuation allowance of $0.7 million at December 31, 2009 and 2008 (dollars in thousands).
	2009				2008
		Amount	%			Amount	%
Merchandise held for 1 year or less –
Jewelry	$	70,834	61.9	%	$	72,780	66.1	%
Other merchandise		35,328	30.8			28,979	26.3
Total merchandise held for 1 year or less		106,162	92.7			101,759	92.4
Merchandise held for more than 1 year –
Jewelry		4,938	4.3			5,306	4.8
Other merchandise		3,424	3.0			3,128	2.8
Total merchandise held for more than 1 year		8,362	7.3			8,434	7.6
Total merchandise held for disposition	$	114,524	100.0	%	$	110,193	100.0	%

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES MERCHANDISE DISPOSITION OPERATING DATA YEAR ENDED DECEMBER 31, 2009 AND 2008 (in thousands)
The following tables summarize the proceeds from the disposition of merchandise and the related profit for the three months and year ended December 31, 2009 and 2008:
	Three months ended December 31,
	2009									2008
		Merchan-			Refined						Merchan-			Refined
		dise			Gold			Total			dise			Gold			Total
Proceeds from disposition	$	80,625		$	67,392		$	148,017		$	80,282		$	55,184		$	135,466
Profit on disposition	$	31,408		$	21,910		$	53,318		$	32,745		$	13,651		$	46,396
Profit margin		39.0	%		32.5	%		36.0	%		40.8	%		24.7	%		34.2	%
Percentage of total profit		58.9	%		41.1	%		100.0	%		70.6	%		29.4	%		100.0	%
	Year Ended December 31,
	2009									2008
		Merchan-			Refined						Merchan-			Refined
		dise			Gold			Total			dise			Gold			Total
Proceeds from disposition	$	283,208		$	219,528		$	502,736		$	286,952		$	178,703		$	465,655
Profit on disposition	$	112,417		$	66,042		$	178,459		$	117,673		$	52,622		$	170,295
Profit margin		39.7	%		30.1	%		35.5	%		41.0	%		29.4	%		36.6	%
Percentage of total profit		63.0	%		37.0	%		100.0	%		69.1	%		30.9	%		100.0	%

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES CASH EARNINGS PER SHARE YEAR ENDED DECEMBER 31, 2009 AND 2008  (in thousands, except per share data)
The Company provides adjusted cash earnings and adjusted cash earnings per share, which are non-GAAP measures, to provide investors with an indication of the Company’s ability to generate cash earnings through ongoing operations.  Adjusted cash earnings and adjusted cash earnings per share show the impact of equity-based compensation, amortization of intangibles and amortization of discount and issuance costs on convertible debt, net of taxes, all of which are non-cash items.  The Company does consider the dilutive impact to its shareholders when awarding equity-based compensation and values such awards accordingly.  The use of adjusted cash earnings has limitations since it does not include all expenses related to the Company’s employees.  Specifically, if the Company did not pay out a portion of its compensation in the form of equity-based compensation, the Company’s cash salary expense would be higher, and adjusted cash earnings would be lower.  Equity-based compensation programs are an important element of the Company’s compensation structure, and all forms of equity-based awards are valued and included, as appropriate, in results of operations.  The following table provides a reconciliation between net income attributable to Cash America International, Inc. and diluted earnings per share calculated in accordance with GAAP to adjusted cash earnings and adjusted cash earnings per share, respectively:
	Three Months Ended									Year Ended
	December 31,									December 31,
		2009			2008				2009				2008
	$		Per Share		$		Per Share		$		Per Share		$		Per Share
Net income attributable to Cash America International, Inc.	$	33,683	$	1.09	$	16,267	$	0.54	$	96,678	$	3.17	$	81,140	$	2.70
Adjustments:
Intangible asset amortization, net of tax		850		0.03		661		0.02		3,805		0.12		2,590		0.09
Non-cash equity-based compensation, net of tax		551		0.02		179		0.01		2,032		0.07		2,026		0.07
Convertible debt non-cash interest and amortization of issuance costs, net of tax		514		0.02		-		-		1,238		0.04		-		-
Foreign exchange (gain) loss, net of tax		89		-		60		-		100		-		108		-
Adjusted cash earnings	$	35,687	$	1.16	$	17,167	$	0.57	$	103,853	$	3.40	$	85,864	$	2.86

NON-GAAP DISCLOSURE

In addition to the financial information prepared in conformity with GAAP, the Company provides historical non-GAAP financial information. Management uses the non-GAAP financial measures for internal managerial purposes and believes that presentation of non-GAAP financial information is meaningful and useful in understanding the activities and business metrics of the Company’s operations. Management believes that these non-GAAP financial measures reflect an additional way of viewing aspects of the Company’s business that, when viewed with the Company’s GAAP results, provide a more complete understanding of factors and trends affecting the Company’s business.

Management provides non-GAAP financial information for informational purposes and to enhance understanding of the Company’s GAAP consolidated financial statements. Readers should consider the information in addition to, but not instead of, the Company’s financial statements prepared in accordance with GAAP. This non-GAAP financial information may be determined or calculated differently by other companies, limiting the usefulness of those measures for comparative purposes.

CONTACT:
Cash America International, Inc.
Thomas A. Bessant, Jr., 817-335-1100