FORT WORTH, Texas--(BUSINESS WIRE)--October 22, 2009--Cash America International, Inc. (NYSE: CSH) announced today that net income attributable to the Company for the third quarter of 2009 increased 19% to $22,478,000 (73 cents per share) compared to the third quarter of 2008 which was $18,925,000 (63 cents per share).

Total revenue increased 10% during the third quarter 2009 to $276.1 million, up from $252.2 million during the same period in 2008. Contributing to the rise in total revenue was a 28% increase in finance and service charges from pawn loans and an increase of 9% in the proceeds from the sale of merchandise during the quarter. This was driven by continued customer demand for pawn lending products and the addition of Prenda Fácil in December 2008, the Company’s Mexico based pawn lending operation. Excluding Prenda Fácil, the Company reported an 11% increase in finance and service charges from pawn loans during the quarter. Consolidated pawn loan balances increased year-over-year by 20% during the third quarter 2009. Excluding the addition of Prenda Fácil, pawn loan balances were up 6% during the period. Consolidated income from operations rose 14% to $41.4 million during the third quarter 2009, up from $36.2 million during the same period in 2008. This is partially due to lower loan losses on cash advances written. Loan losses as a percent of cash advance fees decreased to 38.4% in the third quarter of 2009 compared to 42.5% in the third quarter of 2008.

For the nine-month period ended September 30, 2009, Cash America produced net income of $62,995,000 ($2.06 per share) compared to $64,873,000 ($2.16 per share) for the same period in 2008. The decrease in net income was due to a 4% decrease in cash advance fees during the nine-month period which is largely related to the absence of or significantly reduced profitability in certain cash advance markets in 2009 that generated revenue and earnings for the Company in 2008. Total revenue increased 6% to $796.6 million for the nine-month period ended September 30, 2009, up from $751.1 million for the same period in 2008.

Commenting on the results for the third quarter, Daniel R. Feehan, President and Chief Executive Officer said, “We have restored the year over year quarterly earnings growth that challenged us in the first half of 2009 due to changes in certain markets for our cash advance product. Our pawn lending activities have continued to produce earnings growth throughout 2009 and in the third quarter we were able to add year over year growth in our cash advance business segment as our storefront business posted a successful third quarter.” Mr. Feehan added, “We are proud to have posted this earnings growth while adding 158 net new pawn lending locations, including 113 acquired locations and 49 start-up locations while closing 4 locations, in an effort to expand the concentration of our pawn lending activities over the last twelve months.”

Cash America will conduct a conference call to discuss its third quarter earnings Thursday, October 22, 2009 at 7:45 AM CDT. 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.

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 November 18, 2009 to shareholders of record on November 4, 2009.

Expectations for the remainder of fiscal 2009 will be impacted by earning asset levels based on customer demand for credit products and by customer demand for the sale of merchandise in pawn lending locations. The fourth quarter represents an important period of retail sales for the Company, and results will be affected by consumer sentiments during the period. Based on its views and expectations related to the preceding factors management expects that the fourth quarter 2009 net income per share will be between 94 cents and $1.02 per share compared to 54 cents per share in the fourth quarter of 2008. The fourth quarter of 2008 included 20 cents of one-time charges, which included severance and related expenses for the closing of 42 cash advance locations, the restructuring and elimination of senior management positions, referendum initiatives related to the November 4,2008 election in the state of Ohio and new product transition costs in certain cash advance markets . Therefore, management’s expectation for the full year 2009 earnings per share will be between $3.00 and $3.08 compared to $2.70 per share in fiscal 2008.

In addition, management is initiating its preliminary expectations for fiscal year 2010. Based on its current views of the coming year, management establishes its initial anticipated range of earnings per share of $3.45 to $3.60 for fiscal 2010.

As of September 30, 2009, Cash America International, Inc. had 1,034 total locations offering specialty financial services to consumers, including 660 pawn lending locations (including 15 unconsolidated franchised locations), consisting of 503 locations operating in 22 states in the United States under the names “Cash America Pawn” and “SuperPawn” and 157 pawn lending locations, of which the Company is a majority owner, operating in 19 jurisdictions in central and southern Mexico under the name “Prenda Fácil.” In addition, as of September 30, 2009, the Company had 248 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 September 30, 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 and in Australia at http://www.dollarsdirect.com.au. 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 September 30, 2009.

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

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 our 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 we operate 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					Nine Months Ended
	September 30,					September 30,
	2009			2008		2009			2008
Consolidated Operations:
Total revenue	$	276,124		$	252,150	$	796,596		$	751,063
Net revenue		200,582			184,117		567,018			544,773
Total operating expenses		159,152			147,926		449,910			428,216

Income from operations	$	41,430		$	36,191	$	117,108		$	116,557

Income before income taxes		35,851			32,007		101,524			105,695

Net Income	$	22,748		$	18,925	$	63,792		$	64,873

Less: Net income attributable to the noncontrolling interest		(270	)		-	$	(797	)	$	-

Net Income Attributable to Cash America International, Inc.	$	22,478		$	18,925	$	62,995		$	64,873

Earnings per share:

Net Income attributable to Cash America International, Inc. common stockholders:

Basic	$	0.76		$	0.65	$	2.12		$	2.21
Diluted	$	0.73		$	0.63	$	2.06		$	2.16

Weighted average shares:
Basic		29,702			29,266		29,757			29,321
Diluted		30,698			30,035		30,524			30,082



CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES CONSOLIDATED BALANCE SHEETS (in thousands, except per share data)

	September 30,						December 31,
	2009			2008			2008
	(Unaudited)

Assets
Current assets:
Cash and cash equivalents	$	28,532		$	29,754		$	30,005
Pawn loans		190,478			158,226			168,747
Cash advances, net		93,472			87,034			83,850
Merchandise held for disposition, net		116,890			111,053			109,493
Finance and service charges receivable		36,228			29,658			33,063
Income taxes recoverable		-			1,306			2,606
Other receivables and prepaid expenses		21,155			13,658			15,480
Deferred tax assets		23,894			22,088			22,037
Total current assets		510,649			452,777			465,281
Property and equipment, net		188,363			181,524			185,887
Goodwill		493,384			420,840			494,192
Intangible assets, net		28,787			21,634			35,428
Other assets		7,829			3,501			5,722
Total assets	$	1,229,012		$	1,080,276		$	1,186,510

Liabilities and Equity
Current liabilities:
Accounts payable and accrued expenses	$	73,804		$	66,414		$	79,759
Accrued supplemental acquisition payment		-			69,499			47,064
Customer deposits		9,547			8,754			8,814
Income taxes currently payable		5,258			-			-
Current portion of long-term debt		17,512			8,500			15,810
Total current liabilities		106,121			153,167			151,447
Deferred tax liabilities		40,103			25,826			27,575
Noncurrent income tax payable		4,051			-			3,050
Other liabilities		3,929			2,202			2,359
Long-term debt		429,096			343,692			422,344
Total liabilities		583,300		$	524,887		$	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			3,024
Additional paid-in capital		166,278			163,678			160,007
Retained earnings		500,150			424,999			440,252
Accumulated other comprehensive loss		(1,607	)		(59	)		(3,964	)
Treasury shares, at cost (965,371 shares, 1,218,075 shares and 818,772 shares at September 30, 2009 and 2008 at December 31, 2008, respectively		(27,759	)		(36,253	)		(24,278	)
Total Cash America International, Inc. stockholders’ equity		640,086			555,389			575,041
Noncontrolling interest		5,626			-			4,694
Total equity		645,712			555,389			579,735
Total liabilities and equity	$	1,229,012		$	1,080,276		$	1,186,510



CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME (in thousands, except per share data)

	Three Months Ended						Nine Months Ended
	September 30,						September 30,
	2009			2008			2009			2008
	(Unaudited)

Revenue
Finance and service charges	$	59,920		$	46,977		$	167,159		$	133,788
Proceeds from disposition of merchandise		114,786			105,517			354,719			330,189
Cash advance fees		98,209			96,301			263,119			274,610
Check cashing fees, royalties and other		3,209			3,355			11,599			12,476
Total Revenue		276,124			252,150			796,596			751,063
Cost of Revenue
Disposed merchandise		75,542			68,033			229,578			206,290
Net Revenue		200,582			184,117			567,018			544,773
Expenses
Operations		89,368			82,319			261,284			243,553
Cash advance loss provision		37,690			40,950			91,642			102,817
Administration		21,875			15,359			66,031			53,890
Depreciation and amortization		10,219			9,298			30,953			27,956
Total Expenses		159,152			147,926			449,910			428,216
Income from Operations		41,430			36,191			117,108			116,557
Interest expense		(5,436	)		(4,292	)		(15,591	)		(11,005	)
Interest income		7			113			26			220
Foreign currency transaction gain (loss)		(150	)		(5	)		(19	)		(77	)
Income before Income Taxes		35,851			32,007			101,524			105,695
Provision for income taxes		13,103			13,082			37,732			40,822
Net Income		22,748			18,925			63,792			64,873
Less: Net income attributable to the noncontrolling interest		(270	)		-			(797	)		-
Net Income Attributable to Cash America International, Inc.	$	22,478		$	18,925		$	62,995		$	64,873
Earnings Per Share:
Net Income attributable to Cash America International, Inc. common stockholders:
Basic	$	0.76		$	0.65		$	2.12		$	2.21
Diluted	$	0.73		$	0.63		$	2.06		$	2.16
Weighted average common shares outstanding:
Basic		29,702			29,266			29,757			29,321
Diluted		30,698			30,035			30,524			30,082
Dividends declared per common share	$	0.035		$	0.035		$	0.105		$	0.105



CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES FINANCIAL AND OPERATING DATA (in thousands, except per share data)

	Three Months Ended				Nine months ended
	September 30,				September 30,
	2009		2008		2009		2008
Location statistics

Pawn segment locations in operation – ^(e)
Beginning of period, owned	632		487		598		485
Acquired	-		-		1		1
Start-ups	16		-		49		1
Combined or closed	(3	)	-		(3	)	-
End of period, owned	645		487		645		487
Franchise locations at end of period ^(a)	15		15		15		15
Total pawn lending location locations at end of period ^{(a) (e)}	660		502		660		502
Average number of owned pawn lending location locations ^{(a) (e)}	641		487		622		486

Cash advance segment locations in operation (excludes online lending and card services) –
Beginning of period	248		292		248		304
Combined or closed	-		(2	)	-		(14	)
End of period	248		290		248		290
Average number of cash advance locations	248		291		248		298

Check cashing segment locations –
Company-owned locations at end of period	5		5		5		5
Franchised locations at end of period ^(a)	121		129		121		129
Total check cashing centers in operation at end of period ^(a)	126		134		126		134
Combined total of all locations at end of period ^(a)	1034		926		1034		926

Services offered by locations

Pawn lending –
Pawn lending segment:
Domestic	488		487		488		487
Foreign ^(e)	157		-		157		-
Franchise – domestic ^(a)	15		15		15		15
Combined pawn lending segment ^(e)	660		502		660		502
Cash advance segment – storefront operations	116		-		116		-
Total locations offering pawn lending ^{(a) (e)}	776		502		776		502

Cash advances –
Cash advance segment – storefront operations	248		290		248		290
Pawn lending segment – domestic	432		432		432		432
Total locations offering cash advances	680		722		680		722

Check cashing –
Check cashing segment
Company-owned locations	5		5		5		5
Franchised locations ^(a)	121		129		121		129
Total check cashing segment ^(a)	126		134		126		134
Cash advance segment – storefront operations	248		290		248		290
Pawn lending segment – domestic	383		399		383		399
Total locations offering check cashing ^(a)	757		823		757		823



CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES FINANCIAL AND OPERATING DATA (in thousands, except per share data)

	Three Months Ended						Nine months ended
	September 30,						September 30,
	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			-
Market coverage for cash advance segment at end of period^(c)
States and other U.S. territories
Storefront		6			7			6			7
Online		32			33			32			33
Card services		51			51			51			51
Foreign countries
Online		2			1			2			1
Pawn Lending Activities^(f)
Annualized yield on pawn loans -
Pawn lending segment:
Domestic		127.7	%		123.9	%		131.1	%		128.2	%
Foreign ^(e)		141.0	%		-	%		147.8	%		-	%
Combined pawn lending segment ^(e)		129.2	%		123.9	%		133.0	%		128.2	%
Cash advance segment – storefront operations		74.9	%		-	%		85.0	%		-	%
Combined annualized yield on pawn loans ^(e)		128.9	%		123.9	%		132.8	%		128.2	%
Amount of pawn loans written and renewed -
Pawn lending segment:
Domestic	$	170,059		$	161,225		$	465,179		$	442,553
Foreign ^(e)		29,633			-			72,776			-
Combined pawn lending segment ^(e)	$	199,692		$	161,225		$	537,955		$	442,553
Cash advance segment – storefront operations		1,421			-			2,654			-
Combined amount of pawn loans written and renewed ^(e)	$	201,113		$	161,225		$	540,609		$	442,553
Average pawn loan balance outstanding -
Pawn lending segment:
Domestic	$	162,100		$	150,792		$	148,796		$	139,363
Foreign ^(e)		21,140			-			18,893			-
Combined pawn lending segment ^(e)	$	183,240		$	150,792		$	167,689		$	139,363
Cash advance segment – storefront operations		1,312			-			637			-
Combined average pawn loan balance outstanding ^(e)	$	184,552		$	150,792		$	168,326		$	139,363
Ending pawn loan balance -
Pawn lending segment:
Domestic	$	166,481		$	158,226		$	166,481		$	158,226
Foreign ^(e)		22,429			-			22,429			-
Combined pawn lending segment ^(e)	$	188,910		$	158,226		$	188,910		$	158,226
Cash advance segment – storefront operations		1,568			-			1,568			-
Combined ending pawn loan balance per location offering pawn loans ^(e)	$	190,478		$	158,226		$	190,478		$	158,226
Ending pawn loan balance per location offering pawn loans --
Pawn lending segment :
Domestic	$	341		$	325		$	341		$	325
Foreign ^(e)	$	143		$	-		$	143		$	-
Combined pawn lending segment ^(e)	$	293		$	325		$	293		$	325
Cash advance segment - storefront operations	$	14		$	-		$	14		$	-
Combined ending pawn loan balance per location offering pawn loans ^(e)	$	250		$	325		$	250		$	325



CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME (in thousands, except per share data)

	Three Months Ended								Nine months ended
	September 30,								September 30,
	2009				2008				2009				2008
Average pawn loan amount at end of period (not in thousands) -
Pawn lending segment:
Domestic	$	119			$	121			$	119			$	121
Foreign ^(e)	$	103			$	-			$	103			$	-
Combined pawn lending segment ^(e)	$	117			$	121			$	117			$	121
Cash advance segment – storefront operations	$	104			$	-			$	104			$	-
Combined average pawn loan amount at end of period ^(e)	$	117			$	121			$	117			$	121

Disposition of merchandise – domestic –
Profit margin on disposition of merchandise
Pawn lending segment – domestic		34.1	%			35.5	%			35.3	%			37.5	%
Cash advance segment – storefront operations		36.7	%			-	%			35.5	%			-	%
Combined profit margin on disposition of merchandise		34.2	%			35.5	%			35.3	%			37.5	%

Disposition of merchandise - pawn lending segment – domestic -
Average annualized merchandise turnover	2.6			x	2.6			x	2.8			x	2.8			x
Average balance of merchandise held for disposition per average location in operation	$	226			$	213			$	217			$	204
Ending balance of merchandise held for disposition per location in operation	$	238			$	228			$	238			$	228

Cash advance activities^(f)

Amount of cash advances written –^{(a) (c)}
Funded by the Company
Cash advance segment:
Storefront	$	171,470			$	146,504			$	460,016			$	449,571
Internet lending		174,492				202,706				510,038				551,222
Total cash advance segment	$	345,962			$	349,210			$	970,054			$	1,000,793
Pawn lending segment - domestic		15,958				15,100				43,924				43,229
Combined funded by the Company	$	361,920			$	364,310			$	1,013,978			$	1,044,022

Funded by third-party lenders ^{(a) (b)}
Cash advance segment:
Storefront	$	24,197			$	21,600			$	64,810			$	71,585
Internet lending		163,446				113,997				385,799				327,725
Card services		30,457				-				76,123				-
Total cash advance segment	$	218,100			$	135,597			$	526,732			$	399,310
Pawn lending segment - domestic		34,356				35,534				95,488				111,309
Combined funded by third-party lenders ^{(a) (b)}	$	252,456			$	171,131			$	622,220			$	510,619

Aggregate amount of cash advances written - ^{(a) (c)}
Cash advance segment:
Storefront	$	195,667			$	168,104			$	524,826			$	521,156
Internet lending		337,938				316,703				895,837				878,947
Card services		30,457				-				76,123				-
Total cash advance segment	$	564,062			$	484,807			$	1,496,786			$	1,400,103
Pawn lending segment - domestic		50,314				50,634				139,412				154,538
Combined aggregate amount of cash advances written^{(a) (c)}	$	614,376			$	535,441			$	1,636,198			$	1,554,641



CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES FINANCIAL AND OPERATING DATA (in thousands, except per share data)

	Three Months Ended				Nine months ended
	September 30,				September 30,
	2009		2008		2009		2008
Number of cash advances written (not in thousands) –
Funded by the Company
Cash advance segment:
Storefront		387,635		422,009		1,038,877		1,267,211
Internet lending		445,928		487,572		1,270,268		1,318,454
Total cash advance segment		833,563		909,581		2,309,145		2,585,665
Pawn lending segment – domestic		48,927		46,777		134,051		137,518
Combined by the Company		882,490		956,358		2,443,196		2,723,183
Funded by third-party lenders ^{(a) (b)}
Cash advance segment:
Storefront		40,559		37,867		109,031		127,651
Internet lending		237,104		168,553		540,332		493,134
Card services		216,535		-		516,236		-
Total cash advance segment		494,198		206,420		1,165,599		620,785
Pawn lending segment - domestic		64,325		75,031		178,450		236,729
Combined by third-party lenders ^{(a) (b)}		558,523		281,451		1,344,049		857,514
Aggregate number of cash advances written - ^{(a) (c)}
Cash advance segment:
Storefront		428,194		459,876		1,147,908		1,394,862
Internet lending		683,032		656,125		1,810,600		1,811,588
Card services		216,535		-		516,236		-
Total cash advance segment		1,327,761		1,116,001		3,474,744		3,206,450
Pawn lending segment - domestic		113,252		121,808		312,501		374,247
Combined aggregate number of cash advances written ^{(a) (c)}		1,441,013		1,237,809		3,787,245		3,580,697
Cash advance customer balances (gross):
Owned by Company ^(d)
Cash advance segment:
Storefront	$	42,581	$	40,295	$	42,581	$	40,295
Internet lending		62,207		64,944		62,207		64,944
Card services		6,448		-		6,448		-
Total cash advance segment	$	111,236	$	105,239	$	111,236	$	105,239
Pawn lending segment - domestic		6,924		7,096		6,924		7,096
Combined owned by the Company^(d)	$	118,160	$	112,335	$	118,160	$	112,335
Owned by third-party lenders ^{(a) (b)}
Cash advance segment :
Storefront	$	4,373	$	4,462	$	4,373	$	4,462
Internet lending		31,568		19,960		31,568		19,960
Card services		649		-		649		-
Total cash advance segment	$	36,590	$	24,422	$	36,590	$	24,422
Pawn lending segment - domestic		6,827		6,594		6,827		6,594
Combined owned by third-party lenders ^{(a) (b)}	$	43,417	$	31,016	$	43,417	$	31,016
Aggregate cash advance customer balances (gross) - ^{(a) (c)}
Cash advance segment:
Storefront	$	46,954	$	44,757	$	46,954	$	44,757
Internet lending		93,775		84,904		93,775		84,904
Card services		7,097		-		7,097		-
Total cash advance segment	$	147,826	$	129,661	$	147,826	$	129,661
Pawn lending segment - domestic		13,751		13,690		13,751		13,690
Combined aggregate cash advance customer balances (gross) ^{(a) (c)}	$	161,577	$	143,351	$	161,577	$	143,351



CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES FINANCIAL AND OPERATING DATA (in thousands, except per share data)

	Three Months Ended						Nine months ended
	September 30,						September 30,
	2009			2008			2009			2008
Average amount per cash advance written (not in thousands) -
Funded by the Company
Cash advance segment:
Storefront	$	442		$	347		$	443		$	355
Internet lending	$	391		$	416		$	402		$	418
Total cash advance segment	$	415		$	384		$	420		$	387
Pawn lending segment - domestic	$	326		$	323		$	328		$	314
Combined by the Company	$	410		$	381		$	415		$	383
Funded by third-party lenders ^{(a) (b)}
Cash advance segment
Storefront	$	597		$	570		$	594		$	561
Internet lending	$	689		$	676		$	714		$	665
Card services	$	141		$	-		$	147		$	-
Total cash advance segment	$	441		$	657		$	452		$	643
Pawn lending segment - domestic	$	534		$	474		$	535		$	470
Combined by third-party lenders ^{(a) (b)}	$	452		$	608		$	463		$	595
Aggregate average amount per cash advance written -^{(a) (c)}
Cash advance segment:
Storefront	$	457		$	366		$	457		$	374
Internet lending	$	495		$	483		$	495		$	485
Card services	$	141		$	-		$	147		$	-
Total cash advance segment	$	425		$	434		$	431		$	437
Pawn lending segment - domestic	$	444		$	416		$	446		$	413
Combined aggregate average amount per cash advance written^{(a) (c)}	$	426		$	433		$	432		$	434
Check cashing
Face amount of checks cashed -
Company-owned locations:
Check cashing segment	$	5,175		$	7,106		$	17,348		$	22,322
Cash advance segment		29,026			40,497			120,727			151,688
Pawn lending segment		4,918			7,222			18,307			27,483
Combined company-owned locations		39,119			54,825			156,382			201,493
Franchised locations - check cashing segment ^(a)		229,314			295,791			790,671			968,000
Combined face amount of checks cashed ^(a)	$	268,433		$	350,616		$	947,053		$	1,169,493
Fees collected from customers -
Company-owned locations:
Check cashing segment	$	61		$	89		$	244		$	313
Cash advance segment		687			957			3,012			4,072
Pawn lending segment		81			122			336			506
Combined company-owned locations		829			1,168			3,592			4,891
Franchised locations - check cashing segment ^(a)		3,150			4,073			11,288			13,740
Combined fees collected from customers ^(a)	$	3,979		$	5,241		$	14,880		$	18,631
Fees as a percentage of checks cashed -
Company-owned locations:
Check cashing segment		1.2	%		1.3	%		1.4	%		1.4	%
Cash advance segment		2.4			2.4			2.5			2.7
Pawn lending segment		1.6			1.7			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	%

(a) Non-generally accepted accounting principles in the United States (“non-GAAP”) presentation. For informational purposes and to provide a greater understanding of the Company’s businesses. 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 (“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).



CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INCOME FROM OPERATIONS BY OPERATING SEGMENT THREE AND NINE MONTHS ENDED SEPTEMBER 30, 2009 AND 2008 (in thousands, except per share data)

	2009		2008
Funded by the Company ^(a)
Active cash advances and fees receivable	$	77,216	$	73,097
Cash advances and fees in collection		19,550		25,857
Total funded by the Company ^(a)		96,766		98,954
Funded by third-party lenders^{(b) (c)}
Active cash advances and fees receivable		48,463		31,072
Cash advances and fees in collection		16,348		13,325
Total funded by third-party lenders^{(b) (c)}		64,811		44,397
Combined gross portfolio of cash advances and fees receivable^{(b) (d)}		161,577		143,351
Less: Elimination of cash advances owned by third-party lenders		43,417		31,016
Company-owned cash advances and fees receivable, gross		118,160		112,335
Less: Allowance for losses		24,688		25,301
Cash advances and fees receivable, net	$	93,472	$	87,034



	Three months ended						Nine months ended
	September 30,						September 30,
	2009			2008			2009			2008
Allowance for losses for Company-owned cash advances
Balance at beginning of period	$	22,163		$	27,401		$	21,495		$	25,676
Cash advance loss provision		36,933			41,301			90,961			102,688
Charge-offs		(38,749	)		(47,762	)		(101,890	)		(123,443	)
Recoveries		4,341			4,360			14,122			20,380
Balance at end of period	$	24,688		$	25,301		$	24,688		$	25,301
Accrual for third-party lender-owned cash advances
Balance at beginning of period	$	2,059		$	2,309		$	2,135		$	1,828
(Decrease) increase in loss provision		757			(352	)		681			129
Balance at end of period	$	2,816		$	1,957		$	2,816		$	1,957
Combined statistics ^(d)
Combined cash advance loss provision	$	37,690		$	40,950		$	91,642		$	102,817
Charge-offs (net of recoveries)		34,408			43,402			87,768			103,063
Combined cash advance loss provision as a % of combined cash advances written ^(b)		6.1	%		7.6	%		5.6	%		6.6	%
Charge-offs (net of recoveries) as a % of combined cash advances written ^(b)		5.6	%		8.1	%		5.4	%		6.6	%
Combined allowance for losses and accrued third-party lender losses as a % of combined gross portfolio ^(b)		17.0	%		19.0	%		17.0	%		19.0	%

(a) Cash advances written by the Company in its pawn and cash advance locations and through the internet distribution channel.

(b) Non-GAAP presentation. For informational purposes and to provide a greater understanding of the Company’s businesses. 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. 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 did not commence business in the card services distribution channel until 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 did not commence business in the card services distribution channel until the third quarter of 2008.)



CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INCOME FROM OPERATIONS BY OPERATING SEGMENT THREE AND NINE MONTHS ENDED SEPTEMBER 30, 2009 AND 2008 (in thousands, except per share data)

		Pawn Lending ⁽¹⁾		Cash Advance ⁽²⁾		Check Cashing		Consolidated

Three Months Ended September 30, 2009
Revenue
Finance and service charges	$	59,673	$	247	$	-	$	59,920
Proceeds from disposition of merchandise		110,302		4,484		-		114,786
Cash advance fees		8,334		89,875		-		98,209
Check cashing fees, royalties and other		1,030		1,584		595		3,209
Total revenue		179,339		96,190		595		276,124
Cost of revenue – disposed merchandise		72,704		2,838		-		75,542
Net revenue		106,635		93,352		595		200,582
Expenses
Operations		57,732		31,380		256		89,368
Cash advance loss provision		2,352		35,338		-		37,690
Administration		9,869		11,751		255		21,875
Depreciation and amortization		7,049		3,129		41		10,219
Total expenses		77,002		81,598		552		159,152
Income from operations	$	29,633	$	11,754	$	43	$	41,430

As of September 30, 2009
Total assets	$	778,621	$	443,900	$	6,491	$	1,229,012
Goodwill	$	208,819	$	279,255	$	5,310	$	493,384



		Pawn Lending ⁽¹⁾		Cash Advance ⁽²⁾		Check Cashing		Consolidated

Three Months Ended September 30, 2008
Revenue
Finance and service charges	$	46,977	$	-	$	-	$	46,977
Proceeds from disposition of merchandise		105,517		-		-		105,517
Cash advance fees		8,584		87,717		-		96,301
Check cashing fees, royalties and other		967		1,610		778		3,355
Total revenue		162,045		89,327		778		252,150
Cost of revenue – disposed merchandise		68,033		-		-		68,033
Net revenue		94,012		89,327		778		184,117
Expenses
Operations		53,000		29,014		305		82,319
Cash advance loss provision		2,725		38,225		-		40,950
Administration		5,527		9,556		276		15,359
Depreciation and amortization		5,995		3,246		57		9,298
Total expenses		67,247		80,041		638		147,926
Income from operations	$	26,765	$	9,286	$	140	$	36,191

As of September 30, 2008
Total assets	$	625,192	$	448,057	$	7,027	$	1,080,276
Goodwill	$	143,998	$	271,532	$	5,310	$	420,840



CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INCOME FROM OPERATIONS BY OPERATING SEGMENT THREE AND NINE MONTHS ENDED SEPTEMBER 30, 2009 AND 2008 (in thousands, except per share data)

		Pawn Lending ⁽¹⁾		Cash Advance ⁽²⁾		Check Cashing		Consolidated

Nine Months Ended September 30, 2009
Revenue
Finance and service charges	$	166,755	$	404	$	-	$	167,159
Proceeds from disposition of merchandise		346,161		8,558		-		354,719
Cash advance fees		23,141		239,978		-		263,119
Check cashing fees, royalties and other		2,982		6,436		2,181		11,599
Total revenue		539,039		255,376		2,181		796,596
Cost of revenue – disposed merchandise		224,059		5,519		-		229,578
Net revenue		314,980		249,857		2,181		567,018
Expenses
Operations		173,417		86,997		870		261,284
Cash advance loss provision		5,068		86,574		-		91,642
Administration		32,582		32,705		744		66,031
Depreciation and amortization		21,255		9,511		187		30,953
Total expenses		232,322		215,787		1,801		449,910
Income from operations	$	82,658	$	34,070	$	380	$	117,108



		Pawn Lending ⁽¹⁾		Cash Advance ⁽²⁾		Check Cashing		Consolidated

Nine Months Ended September 30, 2008
Revenue
Finance and service charges	$	133,788	$	-	$	-	$	133,788
Proceeds from disposition of merchandise		330,189		-		-		330,189
Cash advance fees		26,514		248,096		-		274,610
Check cashing fees, royalties and other		2,969		6,871		2,636		12,476
Total revenue		493,460		254,967		2,636		751,063
Cost of revenue – disposed merchandise		206,290		-		-		206,290
Net revenue		287,170		254,967		2,636		544,773
Expenses
Operations		159,408		83,148		997		243,553
Cash advance loss provision		7,667		95,150		-		102,817
Administration		27,081		25,985		824		53,890
Depreciation and amortization		17,525		10,249		182		27,956
Total expenses		211,681		214,532		2,003		428,216
Income from operations	$	75,489	$	40,435	$	633	$	116,557



CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INCOME FROM OPERATIONS BY OPERATING SEGMENT THREE AND NINE MONTHS ENDED SEPTEMBER 30, 2009 AND 2008 (in thousands, except per share data)

⁽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 and nine months ended September 30, 2009 and 2008 (the average exchange rate of MXN (Mexican pesos) to USD was 13.330 and 14.178 for the three and nine month periods, respectively):

	Domestic		Foreign		Total Pawn Lending

Three Months Ended September 30, 2009
Revenue
Finance and service charges	$	52,181	$	7,492	$	59,673
Proceeds from disposition of merchandise		110,302		-		110,302
Cash advance fees		8,334		-		8,334
Check cashing fees, royalties and other		835		195		1,030
Total revenue		171,652		7,687		179,339
Cost of revenue – disposed merchandise		72,704		-		72,704
Net revenue		98,948		7,687		106,635
Expenses
Operations		54,601		3,131		57,732
Cash advance loss provision		2,352		-		2,352
Administration		7,990		1,879		9,869
Depreciation and amortization		6,083		966		7,049
Total expenses		71,026		5,976		77,002
Income from operations	$	27,922	$	1,711	$	29,633



	Domestic		Foreign		Total Pawn Lending

Three Months Ended September 30, 2008
Revenue
Finance and service charges	$	46,977	$	-	$	46,977
Proceeds from disposition of merchandise		105,517		-		105,517
Cash advance fees		8,584		-		8,584
Check cashing fees, royalties and other		967		-		967
Total revenue		162,045		-		162,045
Cost of revenue – disposed merchandise		68,033		-		68,033
Net revenue		94,012		-		94,012
Expenses
Operations		53,000		-		53,000
Cash advance loss provision		2,725		-		2,725
Administration		5,527		-		5,527
Depreciation and amortization		5,995		-		5,995
Total expenses		67,247		-		67,247
Income from operations	$	26,765	$	-	$	26,765



CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INCOME FROM OPERATIONS BY OPERATING SEGMENT THREE AND NINE MONTHS ENDED SEPTEMBER 30, 2009 AND 2008 (in thousands, except per share data)

	Domestic		Foreign		Total Pawn Lending

Nine Months Ended September 30, 2009
Revenue
Finance and service charges	$	145,893	$	20,862	$	166,755
Proceeds from disposition of merchandise		346,161		-		346,161
Cash advance fees		23,141		-		23,141
Check cashing fees, royalties and other		2,653		329		2,982
Total revenue		517,848		21,191		539,039
Cost of revenue – disposed merchandise		224,059		-		224,059
Net revenue		293,789		21,191		314,980
Expenses
Operations		164,748		8,669		173,417
Cash advance loss provision		5,068		-		5,068
Administration		27,649		4,933		32,582
Depreciation and amortization		18,558		2,697		21,255
Total expenses		216,023		16,299		232,322
Income from operations	$	77,766	$	4,892	$	82,658



	Domestic		Foreign		Total Pawn Lending

Nine Months Ended September 30, 2008
Revenue
Finance and service charges	$	133,788	$	-	$	133,788
Proceeds from disposition of merchandise		330,189		-		330,189
Cash advance fees		26,514		-		26,514
Check cashing fees, royalties and other		2,969		-		2,969
Total revenue		493,460		-		493,460
Cost of revenue – disposed merchandise		206,290		-		206,290
Net revenue		287,170		-		287,170
Expenses
Operations		159,408		-		159,408
Cash advance loss provision		7,667		-		7,667
Administration		27,081		-		27,081
Depreciation and amortization		17,525		-		17,525
Total expenses		211,681		-		211,681
Income from operations	$	75,489	$	-	$	75,489



CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INCOME FROM OPERATIONS BY OPERATING SEGMENT THREE AND NINE MONTHS ENDED SEPTEMBER 30, 2009 AND 2008 (in thousands, except per share data)

⁽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 and nine months ended September 30, 2009 and 2008:

Three Months Ended September 30, 2009	Storefront			Internet Lending		Card Services			Total Cash Advance
Revenue
Finance and service charges	$	247		$	-	$	-		$	247
Proceeds from disposition of merchandise		4,484			-		-			4,484
Cash advance fees		23,285			63,751		2,839			89,875
Check cashing fees, royalties and other		1,288			294		2			1,584
Total revenue		29,304			64,045		2,841			96,190
Cost of revenue – disposed merchandise		2,838			-		-			2,838
Net revenue		26,466			64,045		2,841			93,352
Expenses
Operations		13,976			16,594		810			31,380
Cash advance loss provision		4,838			29,394		1,106			35,338
Administration		2,345			9,259		147			11,751
Depreciation and amortization		1,228			1,744		157			3,129
Total expenses		22,387			56,991		2,220			81,598
Income from operations	$	4,079		$	7,054	$	621		$	11,754



Three Months Ended September 30, 2008	Storefront			Internet Lending		Card Services			Total Cash Advance
Revenue
Cash advance fees	$	26,859		$	60,031	$	827		$	87,717
Check cashing fees, royalties and other		1,553			55		2			1,610
Total revenue		28,412			60,086		829			89,327

Expenses
Operations		17,763			10,427		824			29,014
Cash advance loss provision		6,411			31,486		328			38,225
Administration		2,651			6,805		100			9,556
Depreciation and amortization		1,883			1,363		-			3,246
Total expenses		28,708			50,081		1,252			80,041
Income from operations	$	(296	)	$	10,005	$	(423	)	$	9,286



CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INCOME FROM OPERATIONS BY OPERATING SEGMENT THREE AND NINE MONTHS ENDED SEPTEMBER 30, 2009 AND 2008 (in thousands, except per share data)

Nine Months Ended September 30, 2009	Storefront		Internet Lending		Card Services			Total Cash Advance
Revenue
Finance and service charges	$	404	$	-	$	-		$	404
Proceeds from disposition of merchandise		8,558		-		-			8,558
Cash advance fees		62,520		170,361		7,097			239,978
Check cashing fees, royalties and other		5,540		890		6			6,436
Total revenue		77,022		171,251		7,103			255,376
Cost of revenue – disposed merchandise		5,519		-		-			5,519
Net revenue		71,503		171,251		7,103			249,857
Expenses
Operations		44,174		40,291		2,532			86,997
Cash advance loss provision		10,564		73,065		2,945			86,574
Administration		6,975		25,296		434			32,705
Depreciation and amortization		4,015		5,089		407			9,511
Total expenses		65,728		143,741		6,318			215,787
Income from operations	$	5,775	$	27,510	$	785		$	34,070

Nine Months Ended September 30, 2008	Storefront		Internet Lending		Card Services			Total Cash Advance
Revenue
Cash advance fees	$	82,979	$	164,290	$	827		$	248,096
Check cashing fees, royalties and other		6,810		59		2			6,871
Total revenue		89,789		164,349		829			254,967

Expenses
Operations		51,637		30,691		820			83,148
Cash advance loss provision		17,421		77,401		328			95,150
Administration		7,992		17,893		100			25,985
Depreciation and amortization		6,688		3,561		-			10,249
Total expenses		83,738		129,546		1,248			214,532
Income from operations	$	6,051	$	34,803	$	(419	)	$	40,435



CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INVENTORY AND GROSS PROFIT OPERATING DATA THREE MONTHS ENDED SEPTEMBER 30, 2009 AND 2008 (in thousands, except per share data)

The table below summarizes the age of merchandise held for disposition before valuation allowance of $0.7 million and $1.9 million, respectively, at September 30, 2009 and 2008 (dollars in thousands).

	2009				2008
	Amount		%		Amount		%

Merchandise held for 1 year or less –
Jewelry	$	73,108	62.2	%	$	75,718	67.0	%
Other merchandise		36,014	30.6			28,784	25.5

Total merchandise held for 1 year or less		109,122	92.8			104,502	92.5
Merchandise held for more than 1 year –
Jewelry		5,207	4.4			5,222	4.6
Other merchandise		3,260	2.8			3,224	2.9

Total merchandise held for more than 1 year		8,467	7.2			8,446	7.5

Total merchandise held for disposition	$	117,589	100.0	%	$	112,948	100.0	%

In addition to the financial information prepared in conformity with GAAP, the Company provides historical non-GAAP financial information. Each non-GAAP financial measure included in the Company’s Management Discussion and Analysis has been indicated by footnote.

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.

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