FORT WORTH, Texas--(BUSINESS WIRE)--October 25, 2012--Cash America International, Inc. (NYSE: CSH) announced today that net income attributable to the Company for the third quarter of 2012 was $11,703,000 (37 cents per share), compared to the third quarter of 2011 net income of $34,777,000 ($1.08 per share). The third quarter results included unusual items which reduced net income and earnings per share by $20.4 million and 65 cents per share, respectively. Excluding the impact of these unusual expenses, third quarter adjusted earnings, a non-GAAP measure, would have been $32.1 million ($1.02 per share), which is at the high end of management’s publicly released earnings per share guidance of between 95 cents per share and $1.05 per share as reported in the Company’s press release dated July 26, 2012 and above analysts’ consensus estimates of 95 cents per share as reported by Thomson Reuters. The unusual items included $18.5 million (59 cents per share) in after tax costs associated with the Company’s previously announced reorganization of its Mexico-based pawn operations that operate under the name Prenda Fácil and $1.9 million (6 cents per share) after taxes related to the write off of deferred costs and transition expenses associated with the announced withdrawal of the proposed initial public offering of Enova International, Inc. in late July of 2012.

Consolidated total revenue increased 10% during the third quarter of 2012 to $439.7 million, up from $398.3 million during the same period in 2011. Contributing to the increase in total revenue was an increase in consumer loan fees from the Company’s E-Commerce segment. Revenue from online consumer loan fees rose 33% during the third quarter of 2012, to $173.6 million, due to higher demand in the United States and continued growth in foreign markets during the quarter.

For the nine-month period ended September 30, 2012, the Company reported net income of $82,990,000 ($2.62 per share) compared to $98,136,000 ($3.07 per share) for the same period in 2011. When adding back the unusual items discussed above, adjusted earnings, a non-GAAP measure, would have been $103.4 million and adjusted earnings per share, a non-GAAP measure, would have been $3.27 per share for the nine-month period ended September 30, 2012, up 7% for the period. Total revenue increased 18% to $1.3 billion for the nine-month period ended September 30, 2012, up from $1.1 billion for the same period in 2011.

Commenting on the results for the third quarter, Daniel R. Feehan, President and Chief Executive Officer said, “We entered the third quarter keenly aware of the challenging environment but determined to make advances on a variety of important initiatives to position the Company for next year. We recently announced that the Company has entered into agreements to add 34 pawn lending locations in the United States through two independent transactions, one of which was substantially completed during the quarter, and we began implementing a new strategy for our Mexico-based pawn lending locations to focus on full-format pawn locations and place more emphasis on lending activities secured by general merchandise. We believe these developments plus the continued growth of our E-Commerce segment will set the stage for fiscal 2013.”

Cash America will host a conference call to discuss the third quarter results on Thursday, October 25, at 7:00 AM CDT. A live webcast of the call will be available on the Investor Relations section of the Company’s corporate website (http://www.cashamerica.com). To listen to the live call, please go to the website at least fifteen minutes early to register, download, and install any necessary audio software. A replay will be available on the Company’s website following the 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 November 21, 2012 to shareholders of record on November 7, 2012.

Management believes that the opportunities for growth in revenue and earnings will be largely associated with customer demand for the credit products provided by the Company, which take the form of pawn loans and consumer loans and the disposition of unredeemed collateral by way of consumer spending on retail sales and the commercial sale of refined gold and diamonds. The fourth quarter, during the seasonally important holiday selling season, represents an important period of retail sales for the Company, and results will be affected by consumer sentiments during the period. There are various other elements that could affect the growth in revenue, such as the regulatory governance of consumer loan products and the development and growth of new and foreign markets for the Company’s e-commerce distribution platform for consumer lending products, as well as developments related to the reorganization of the Company’s Mexico-based pawn operations. As the Company enters the fourth quarter of 2012, management anticipates that demand for the Company’s consumer loan products will continue on a similar pace to the one it has experienced during the first nine months of 2012 with a continued heavier weighting to the international portfolio. Demand for the Company’s pawn lending products has proven more challenging in the second and third quarters of 2012, and management expects growth in the Company’s pawn lending business, but remains conservative in its expectations for the balance of 2012.

Based on management’s views and on the preceding factors, management expects the fourth quarter 2012 net income per share to be between $1.15 and $1.25 per share compared to $1.18 per share in the fourth quarter of 2011, which does not include costs and other charges expected to be incurred in the fourth quarter associated with the Company’s previously announced reorganization of its Mexico-based pawn operations (estimated to be between 19 cents and 32 cents per share). Based on the Company’s growth through the first nine months of 2012, which produced earnings per share of $2.62 ($3.27 per share on a non-GAAP adjusted basis, adding back the unusual items discussed above of 65 cents per share in the third quarter), and factors noted above, management expects its fiscal year 2012 earnings per share to be in a range of between $3.77 and $3.87 per share ($4.42 and $4.52 per share on a non-GAAP adjusted basis, adjusted for the third quarter unusual items but excluding the unusual items expected to be incurred in the fourth quarter, as noted above), compared to $4.25 per share in fiscal 2011.

In addition, management is initiating its expectations for fiscal year 2013. Based on its current views of the coming year, management establishes its initial anticipated range of earnings per share of between $4.75 to $5.15 for fiscal 2013.

As of September 30, 2012, Cash America International, Inc. operated 1,074 total locations offering specialty financial services to consumers, which included the following:

Additionally, as of September 30, 2012, the Company offered consumer loans over the Internet to customers:

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

http://www.cashamerica.com		http://www.poundstopocket.co.uk
http://www.enova.com		http://www.dollarsdirect.com.au
http://www.cashnetusa.com		http://www.dollarsdirect.ca
http://www.netcredit.com		http://www.goldpromise.com
http://www.cashlandloans.com		http://www.mrpayroll.com
http://www.quickquid.co.uk		http://www.primaryinnovations.net

A reconciliation of adjusted earnings and adjusted earnings per share, which are non-GAAP measures, for the three- and nine-month periods ended September 30, 2012 discussed above is included in the attachments to this press release.

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 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 domestic and foreign pawn, consumer credit, tax and other laws and governmental rules and regulations applicable to the Company's business or changes in the interpretation or enforcement thereof; the anticipated regulation of consumer financial products and services by the Consumer Financial Protection Bureau; acceptance by consumers, legislators or regulators of the negative characterization by the media and consumer activists with respect to certain of the Company’s loan products; the reorganization of the Company’s Mexico-based pawn operations; the deterioration of the political, regulatory or economic environment in foreign countries where the Company operates or in the future may operate; the actions of third parties who provide, acquire or offer products and services to, from or for the Company; changes in demand for the Company's services and the continued acceptance of the online distribution channel by the Company’s online loan customers; fluctuations in the price of gold or a deterioration in economic conditions; changes in competition; the ability of the Company to open new locations in accordance with its plans or to successfully integrate newly acquired businesses into the Company’s operations; interest rate and foreign currency exchange rate fluctuations; the effect of any current or future litigation proceedings or any judicial decisions or rule-making that affect the Company’s arbitration agreements; changes in the capital markets; changes in the Company’s ability to satisfy its debt obligations or to refinance existing debt obligations or obtain new capital to finance growth; a prolonged interruption in the Company’s operations of its facilities, systems and business functions, including its information technology and other business systems; security breaches, cyber attacks or fraudulent activity; the implementation of new, or changes in the interpretation of existing, accounting principles or financial reporting requirements; 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
(dollars in thousands, except per share data)
(Unaudited)
	Three Months Ended					Nine Months Ended
	September 30,					September 30,
	2012		2011			2012		2011

Consolidated Operations:
Total revenue	$	439,694	$	398,304	$	1,308,826	$	1,109,107
Net revenue		248,477		235,454		738,869		661,430
Total expenses		208,289		172,289		572,442		485,213

Income from Operations	$	40,188	$	63,165	$	166,427	$	176,217

Income before income taxes		33,046		55,503		145,160		156,838

Net Income	$	7,930	$	34,529	$	77,673	$	97,561

Net loss attributable to the noncontrolling interest		3,773		248		5,317		575

Net Income Attributable to Cash America International, Inc.	$	11,703	$	34,777	$	82,990	$	98,136

Earnings per share:
Net Income attributable to Cash America International, Inc. common shareholders:
Basic	$	0.40	$	1.18	$	2.80	$	3.31
Diluted	$	0.37	$	1.08	$	2.62	$	3.07

Weighted average common shares outstanding:
Basic		29,536		29,535		29,599		29,626
Diluted		31,375		32,248		31,643		31,969

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES CONSOLIDATED BALANCE SHEETS
(dollars in thousands, except per share data)
(Unaudited)
		September 30,			December 31,
		2012		2011	2011

Assets
Current assets:
Cash and cash equivalents	$	78,663	$	54,364	$	62,542
Pawn loans		254,077		244,441		253,519
Consumer loans, net		256,825		191,642		222,778
Merchandise held for disposition, net		171,285		166,365		161,884
Pawn loan fees and service charges receivable		48,771		45,066		48,003
Income taxes receivable		684		-		-
Prepaid expenses and other assets		36,912		32,095		31,301
Deferred tax assets		39,826		29,070		35,065
Total current assets		887,043		763,043		815,092
Property and equipment, net		258,214		236,325		246,429
Goodwill		599,337		538,169		562,721
Intangible assets, net		34,877		26,668		34,771
Other assets		12,936		13,948		15,236
Total assets	$	1,792,407	$	1,578,153	$	1,674,249

Liabilities and Equity
Current liabilities:
Accounts payable and accrued expenses	$	109,986	$	95,574	$	113,113
Customer deposits		12,944		10,588		9,935
Income taxes currently payable		-		10,520		12,880
Current portion of long-term debt		44,205		21,856		34,273
Total current liabilities		167,135		138,538		170,201
Deferred tax liabilities		102,048		88,980		89,712
Noncurrent income tax payable		2,697		2,343		2,315
Other liabilities		1,007		1,522		1,413
Long-term debt		545,258		470,124		503,018
Total liabilities	$	818,145	$	701,507	$	766,659

Equity:
Cash America International, Inc. equity:
Common stock, $0.10 par value per share, 80,000,000 shares
authorized, 30,235,164 shares issued and outstanding		3,024		3,024		3,024
Additional paid-in capital		157,874		167,193		167,683
Retained earnings		855,972		739,256		776,060
Accumulated other comprehensive income (loss)		4,366		(2,352)		(6,896)
Treasury shares, at cost (1,214,646 shares, 982,735 shares and
1,011,356 shares at September 30, 2012 and 2011,
and at December 31, 2011, respectively)		(46,175)		(35,752)		(37,419)
Total Cash America International, Inc. shareholders' equity		975,061		871,369		902,452
Noncontrolling interest		(799)		5,277		5,138
Total equity		974,262		876,646		907,590
Total liabilities and equity	$	1,792,407	$	1,578,153	$	1,674,249

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

	Three Months Ended				Nine Months Ended
	September 30,				September 30,
	2012		2011		2012		2011

Revenue
Pawn loan fees and service charges	$	76,500	$	74,399	$	221,450	$	206,134
Proceeds from disposition of merchandise		153,493		157,886		517,832		473,688
Consumer loan fees		205,094		162,981		558,656		418,522
Other		4,607		3,038		10,888		10,763
Total Revenue		439,694		398,304		1,308,826		1,109,107
Cost of Revenue
Disposed merchandise		106,918		102,274		350,878		302,472
Consumer loan loss provision		84,299		60,576		219,079		145,205
Total Cost of Revenue		191,217		162,850		569,957		447,677

Net Revenue		248,477		235,454		738,869		661,430
Expenses
Operations and administration		181,215		157,439		515,560		445,613
Depreciation and amortization		27,074		14,850		56,882		39,600
Total Expenses		208,289		172,289		572,442		485,213
Income from Operations		40,188		63,165		166,427		176,217
Interest expense		(7,196)		(6,865)		(21,065)		(18,307)
Interest income		22		14		79		56
Foreign currency transaction gain (loss)		93		(777)		(72)		(1,058)
Equity in loss of unconsolidated subsidiary		(61)		(34)		(209)		(70)
Income before Income Taxes		33,046		55,503		145,160		156,838
Provision for income taxes		25,116		20,974		67,487		59,277
Net Income		7,930		34,529		77,673		97,561
Net loss attributable to the noncontrolling interest		3,773		248		5,317		575
Net Income Attributable to Cash America International, Inc.	$	11,703	$	34,777	$	82,990	$	98,136
Earnings Per Share:
Net Income attributable to Cash America International, Inc. common shareholders:
Basic	$	0.40	$	1.18	$	2.80	$	3.31
Diluted	$	0.37	$	1.08	$	2.62	$	3.07
Weighted average common shares outstanding:
Basic		29,536		29,535		29,599		29,626
Diluted		31,375		32,248		31,643		31,969
Dividends declared per common share	$	0.035	$	0.035	$	0.105	$	0.105

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES PAWN LENDING ACTIVITIES – FINANCIAL AND OPERATING DATA (dollars in thousands, except where otherwise noted)

The following tables outline certain data related to the Company’s pawn loan activities as of and for the three and nine months ended September 30, 2012 and 2011 (dollars in thousands).

	2012						2011
	Domestic		Foreign		Total		Domestic		Foreign		Total
As of September 30,
Ending pawn loan balances	$	241,261	$	12,816	$	254,077	$	225,921	$	18,520	$	244,441
Ending merchandise balance, net	$	160,075	$	11,210	$	171,285	$	156,806	$	9,559	$	166,365

Three Months Ended September 30,

Pawn loan fees and service charges	$	73,209	$	3,291	$	76,500	$	69,025	$	5,374	$	74,399
Average pawn loan balance outstanding	$	232,027	$	11,870	$	243,897	$	218,607	$	20,619	$	239,226
Amount of pawn loans written and renewed	$	238,191	$	17,655	$	255,846	$	240,062	$	34,084	$	274,146
Annualized yield on pawn loans		125.5%		110.3%		124.8%		125.3%		103.4%		123.4%
Average amount per pawn loan (in ones)	$	131	$	84	$	122	$	130	$	100	$	125
Gross profit margin on disposition of merchandise		31.7%		14.5%		30.3%		36.6%		20.3%		35.2%
Merchandise turnover		2.6		3.7		2.7		2.6		4.6		2.7

	2012						2011
Nine Months Ended September 30,	Domestic		Foreign		Total		Domestic		Foreign		Total
Pawn loan fees and service charges	$	210,807	$	10,643	$	221,450	$	190,409	$	15,725	$	206,134
Average pawn loan balance outstanding	$	220,494	$	13,843	$	234,337	$	197,316	$	20,875	$	218,191
Amount of pawn loans written and renewed	$	675,000	$	51,478	$	726,478	$	641,260	$	80,483	$	721,743
Annualized yield on pawn loans		127.7%		102.7%		126.2%		129.0%		100.7%		126.3%
Average amount per pawn loan (in ones)	$	130	$	89	$	122	$	125	$	104	$	122
Gross profit margin on disposition of merchandise		33.8%		11.5%		32.2%		37.9%		16.2%		36.1%
Merchandise turnover		3.0		3.8		3.0		2.8		5.3		3.0

Profit from the disposition of merchandise represents the proceeds received from the disposition of merchandise in excess of the cost of disposed merchandise, which is the Company’s cost basis in the loan or the amount paid for purchased merchandise. Retail sales include the sale of jewelry and general merchandise direct to consumers through the Company’s domestic and foreign retail services locations or over the Internet. Commercial sales include the sale of refined gold, platinum, silver, and diamonds to brokers or manufacturers. The following tables summarize the proceeds from the disposition of merchandise and the related profit for the three and nine months ended September 30, 2012 and 2011 (dollars in thousands).

The table below summarizes the age of merchandise held for disposition before valuation allowance of $0.7 million at September 30, 2012 and 2011 (dollars in thousands).

The following tables set forth consumer loan fees by segment, adjusted for the deduction of the loan loss provision for the three and nine months ended September 30, 2012 and 2011 (dollars in thousands).

	Three Months Ended September 30,
	2012									2011
	Retail Services			E-Commerce			Total			Retail Services			E-Commerce			Total
Interest and fees on short-term loans	$	28,364		$	137,570		$	165,934		$	29,741		$	117,084		$	146,825
Interest and fees on installment loans		3,081			36,079			39,160			2,936			13,220			16,156
Consumer loan fees	$	31,445		$	173,649		$	205,094		$	32,677		$	130,304		$	162,981
Consumer loan loss provision		8,061			76,238			84,299			7,513			53,063			60,576
Consumer loan fees, net of loss provision	$	23,384		$	97,411		$	120,795		$	25,164		$	77,241		$	102,405

Year-over-year change - $	$	(1,780)		$	20,170		$	18,390		$	880		$	17,792		$	18,672
Year-over-year change - %		(7.1)	%		26.1	%		18.0	%		3.6	%		29.9	%		22.3	%
Consumer loan loss provision as a % of consumer loan fees		25.6	%		43.9	%		41.1	%		23.0	%		40.7	%		37.2	%

	Nine Months Ended September 30,
	2012									2011
	Retail Services			E-Commerce			Total			Retail Services			E-Commerce			Total
Interest and fees on short-term loans	$	81,169		$	385,268		$	466,437		$	79,503		$	304,153		$	383,656
Interest and fees on installment loans		8,227			83,992			92,219			6,329			28,537			34,866
Consumer loan fees	$	89,396		$	469,260		$	558,656		$	85,832		$	332,690		$	418,522
Consumer loan loss provision		19,130			199,949			219,079			15,452			129,753			145,205
Consumer loan fees, net of loss provision	$	70,266		$	269,311		$	339,577		$	70,380		$	202,937		$	273,317

Year-over-year change - $	$	(114)		$	66,374		$	66,260		$	(225)		$	44,329		$	44,104
Year-over-year change - %		(0.2)	%		32.7	%		24.2	%		(0.3)	%		27.9	%		19.2	%
Consumer loan loss provision as a % of consumer loan fees		21.4	%		42.6	%		39.2	%		18.0	%		39.0	%		34.7	%

In addition to providing consumer loans owned by the Company and consumer loans guaranteed by the Company, which are either generally accepted accounting principles (“GAAP”) items or disclosures required by GAAP, the Company has provided combined consumer loans, which is a non-GAAP measure. In addition, the Company has provided disclosure regarding consumer loans written, which is statistical data that is not included in the Company’s financial statements. The Company also provides allowances and liabilities for losses on consumer loans on a combined basis, which are GAAP measures.

Management believes these measures provide investors with important information needed to evaluate the magnitude of potential loan losses and the opportunity for revenue performance of the consumer loan portfolio on an aggregate basis. The comparison of the aggregate amounts from period to period is more meaningful than comparing only the residual amount on the Company’s balance sheet since both revenue and the loss provision for loans are impacted by the aggregate amount of loans owned by the Company and those guaranteed by the Company as reflected in its financial statements.

The following tables summarize selected data related to the Company’s consumer loan activities as of September 30, 2012 and 2011 and for the three and nine months ended September 30, 2012 and 2011.

Three Months Ended

Nine Months Ended

September 30,

2012

2011

2012

2011

Combined consumer loan loss provision as a % of combined consumer loans written and renewed^(a)

9.5%

7.4%

8.8%

6.7%

Charge-offs (net of recoveries) as a % of combined consumer loans written and renewed^(a)

8.5%

6.1%

8.2%

6.3%

Combined consumer loan loss provision as a % of consumer loan fees

41.1%

37.2%

39.2%

34.7%

^(a)The disclosure regarding the amount and number of consumer loans written and renewed is statistical data that is not included in the Company’s financial statements.

	As of September 30,
	2012						2011
	Company Owned^(a)		Guaranteed by the Company^(a)		Combined^(b)		Company Owned^(a)		Guaranteed by the Company^(a)		Combined^(b)
Ending consumer loan balances:
Retail Services
Short-term loans	$	49,079	$	6,904	$	55,983	$	48,891	$	8,644	$	57,535
Installment loans		9,899		6,707		16,606		8,484		6,218		14,702
Total Retail Services, gross		58,978		13,611		72,589		57,375		14,862		72,237
E-Commerce
Domestic
Short-term loans		75,435		37,952		113,387		51,829		33,514		85,343
Installment loans		38,986		-		38,986		19,856		-		19,856
Total Domestic, gross		114,421		37,952		152,373		71,685		33,514		105,199

Foreign
Short-term loans		96,561		3,708		100,269		86,987		2,842		89,829
Installment loans		66,111		-		66,111		22,930		-		22,930
Total Foreign, gross		162,672		3,708		166,380		109,917		2,842		112,759
Total E-Commerce, gross		277,093		41,660		318,753		181,602		36,356		217,958

Total ending loan balance, gross		336,071		55,271		391,342		238,977		51,218		290,195
Less: Allowance and liabilities for losses^(a)		(79,246)		(3,437)		(82,683)		(47,335)		(2,487)		(49,822)
Total ending loan balance, net	$	256,825	$	51,834	$	308,659	$	191,642	$	48,731	$	240,373
Allowance and liability for losses as a % of combined consumer loan balances, gross^(b)		23.6%		6.2%		21.1%		19.8%		4.9%		17.2%

^(a)

GAAP measure. The consumer loan balances guaranteed by the Company represent loans originated by third-party lenders through the Company's credit services organization programs (the "CSO programs"), so these balances are not recorded in the Company’s financial statements. However, the Company has established a liability for estimated losses in support of its guarantee of these loans, which is reflected in the table above and included in its financial statements.

^(b)

Except for allowance and liability for estimated losses, amounts represent non-GAAP measures.

The following tables summarize consumer loans written or renewed for the three and nine months ended September 30, 2012 and 2011 (dollars in thousands).

	Three Months Ended September 30,
	2012						2011
	Company Owned^(a)		Guaranteed by the Company^(a)(b)		Combined^(a)		Company Owned^(a)		Guaranteed by the Company^(a)(b)		Combined^(a)
Amount of consumer loans written and renewed:
Retail Services
Short-term loans	$	191,332	$	36,343	$	227,675	$	196,771	$	45,915	$	242,686
Installment loans		2,026		4,457		6,483		1,601		5,126		6,727
Total Retail Services		193,358		40,800		234,158		198,372		51,041		249,413
E-Commerce
Domestic
Short-term loans		116,785		197,962		314,747		109,909		180,890		290,799
Installment loans		29,987		-		29,987		15,223		-		15,223
Total Domestic		146,772		197,962		344,734		125,132		180,890		306,022

Foreign
Short-term loans		251,787		17,676		269,463		231,310		15,410		246,720
Installment loans		35,380		-		35,380		15,844		-		15,844
Total Foreign		287,167		17,676		304,843		247,154		15,410		262,564
Total E-Commerce		433,939		215,638		649,577		372,286		196,300		568,586

Total amount of consumer loans written and renewed:	$	627,297	$	256,438	$	883,735	$	570,658	$	247,341	$	817,999

Number of consumer loans written and renewed:
Retail Services
Short-term loans		408,886		68,960		477,846		423,380		81,771		505,151
Installment loans		1,772		662		2,434		1,554		977		2,531
Total Retail Services		410,658		69,622		480,280		424,934		82,748		507,682
E-Commerce
Domestic
Short-term loans		388,650		271,250		659,900		342,634		258,705		601,339
Installment loans		31,444		-		31,444		11,799		-		11,799
Total Domestic		420,094		271,250		691,344		354,433		258,705		613,138

Foreign
Short-term loans		434,578		23,146		457,724		433,216		22,251		455,467
Installment loans		30,336		-		30,336		13,967		-		13,967
Total Foreign		464,914		23,146		488,060		447,183		22,251		469,434
Total E-Commerce		885,008		294,396		1,179,404		801,616		280,956		1,082,572

Total number of consumer loans written and renewed		1,295,666		364,018		1,659,684		1,226,550		363,704		1,590,254

^(a) The disclosure regarding the amount and number of consumer loans written and renewed is statistical data that is not included in the Company’s financial statements.
^(b) Loans guaranteed by the Company represent loans originated by third-party lenders through the CSO programs.

		Nine Months Ended September 30,
		2012						2011
		Company Owned^(a)		Guaranteed by the Company^(a)(b)		Combined^(a)		Company Owned^(a)		Guaranteed by the Company^(a)(b)		Combined^(a)
	Amount of consumer loans written and renewed:
	Retail Services
	Short-term loans	$	544,930	$	109,005	$	653,935	$	534,182	$	128,431	$	662,613
	Installment loans		5,690		10,613		16,303		6,580		10,193		16,773
	Total Retail Services		550,620		119,618		670,238		540,762		138,624		679,386
	E-Commerce
	Domestic
	Short-term loans		330,986		541,364		872,350		315,472		491,424		806,896
	Installment loans		57,354		-		57,354		28,262		-		28,262
	Total Domestic		388,340		541,364		929,704		343,734		491,424		835,158

	Foreign
	Short-term loans		738,682		52,724		791,406		568,507		40,476		608,983
	Installment loans		91,790		-		91,790		36,797		-		36,797
	Total Foreign		830,472		52,724		883,196		605,304		40,476		645,780
	Total E-Commerce		1,218,812		594,088		1,812,900		949,038		531,900		1,480,938

	Total amount of consumer loans written and renewed:	$	1,769,432	$	713,706	$	2,483,138	$	1,489,800	$	670,524	$	2,160,324

	Number of consumer loans written and renewed:
	Retail Services
	Short-term loans		1,159,449		200,636		1,360,085		1,155,859		226,068		1,381,927
	Installment loans		5,252		1,506		6,758		5,101		2,039		7,140
	Total Retail Services		1,164,701		202,142		1,366,843		1,160,960		228,107		1,389,067
	E-Commerce
	Domestic
	Short-term loans		1,075,228		741,152		1,816,380		957,228		693,814		1,651,042
	Installment loans		57,255		-		57,255		24,630		-		24,630
	Total Domestic		1,132,483		741,152		1,873,635		981,858		693,814		1,675,672

	Foreign
	Short-term loans		1,359,841		69,645		1,429,486		1,077,980		61,340		1,139,320
	Installment loans		80,539		-		80,539		32,185		-		32,185
	Total Foreign		1,440,380		69,645		1,510,025		1,110,165		61,340		1,171,505
	Total E-Commerce		2,572,863		810,797		3,383,660		2,092,023		755,154		2,847,177

	Total number of consumer loans written and renewed		3,737,564		1,012,939		4,750,503		3,252,983		983,261		4,236,244

^(a)	The disclosure regarding the amount and number of consumer loans written and renewed is statistical data that is not included in the Company’s financial statements.
^(b)	Loans guaranteed by the Company represent loans originated by third-party lenders through the CSO programs.

The following tables contain operating segment data for the three and nine months ended September 30, 2012 and 2011 (dollars in thousands).

Corporate operations primarily include corporate expenses, such as personnel, legal, occupancy, and other costs related to corporate service functions, such as executive oversight, insurance and risk management, public and government relations, internal audit, treasury, payroll, compliance and licensing, finance, accounting, tax and information systems (except for online lending systems, which are included in the e-commerce segment). Corporate income includes miscellaneous income not directly attributable to the Company’s segments. Corporate assets primarily include: corporate property and equipment, nonqualified savings plan assets, marketable securities, foreign exchange forward contracts and prepaid insurance.

	Retail Services						E-Commerce
	Domestic		Foreign		Total		Domestic		Foreign		Total		Corporate		Consolidated

Three Months Ended September 30, 2012
Revenue
Pawn loan fees and service charges	$	73,209	$	3,291	$	76,500	$	-	$	-	$	-	$	-	$	76,500
Proceeds from disposition of merchandise		141,088		12,405		153,493		-		-		-		-		153,493
Consumer loan fees		31,445		-		31,445		89,342		84,307		173,649		-		205,094
Other		1,938		252		2,190		374		14		388		2,029		4,607
Total revenue		247,680		15,948		263,628		89,716		84,321		174,037		2,029		439,694
Cost of revenue
Disposed merchandise		96,315		10,603		106,918		-		-		-		-		106,918
Consumer loan loss provision		8,061		-		8,061		42,877		33,361		76,238		-		84,299
Total cost of revenue		104,376		10,603		114,979		42,877		33,361		76,238		-		191,217

Net revenue		143,304		5,345		148,649		46,839		50,960		97,799		2,029		248,477
Expenses
Operations and administration		84,874		14,205		99,079		33,397		31,051		64,448		17,688		181,215
Depreciation and amortization		7,808		12,264		20,072		3,037		342		3,379		3,623		27,074
Total expenses		92,682		26,469		119,151		36,434		31,393		67,827		21,311		208,289
Income (loss) from operations	$	50,622	$	(21,124)	$	29,498	$	10,405	$	19,567	$	29,972	$	(19,282)	$	40,188
As of September 30, 2012
Total assets	$	993,598	$	111,610	$	1,105,208	$	382,459	$	174,665	$	557,124	$	130,075	$	1,792,407
Goodwill					$	388,965					$	210,372			$	599,337

	Retail Services						E-Commerce
	Domestic		Foreign		Total		Domestic		Foreign		Total		Corporate		Consolidated

Three Months Ended September 30, 2011
Revenue
Pawn loan fees and service charges	$	69,025	$	5,374	$	74,399	$	-	$	-	$	-	$	-	$	74,399
Proceeds from disposition of merchandise		144,820		13,065		157,885		1		-		1		-		157,886
Consumer loan fees		32,677		-		32,677		67,320		62,984		130,304		-		162,981
Other		2,521		16		2,537		49		294		343		158		3,038
Total revenue		249,043		18,455		267,498		67,370		63,278		130,648		158		398,304
Cost of revenue
Disposed merchandise		91,863		10,411		102,274		-		-		-		-		102,274
Consumer loan loss provision		7,513		-		7,513		25,472		27,591		53,063		-		60,576
Total cost of revenue		99,376		10,411		109,787		25,472		27,591		53,063		-		162,850
Net revenue		149,667		8,044		157,711		41,898		35,687		77,585		158		235,454
Expenses
Operations and administration		85,419		8,138		93,557		24,115		23,508		47,623		16,259		157,439
Depreciation and amortization		7,090		1,488		8,578		2,634		218		2,852		3,420		14,850
Total expenses		92,509		9,626		102,135		26,749		23,726		50,475		19,679		172,289
Income (loss) from operations	$	57,158	$	(1,582)	$	55,576	$	15,149	$	11,961	$	27,110	$	(19,521)	$	63,165
As of September 30, 2011
Total assets	$	885,572	$	121,326	$	1,006,898	$	323,699	$	115,905	$	439,604	$	131,651	$	1,578,153
Goodwill					$	327,887					$	210,282			$	538,169

	Retail Services						E-Commerce
	Domestic		Foreign		Total		Domestic		Foreign		Total		Corporate		Consolidated

Nine Months Ended September 30, 2012
Revenue
Pawn loan fees and service charges	$	210,807	$	10,643	$	221,450	$	-	$	-	$	-	$	-	$	221,450
Proceeds from disposition of merchandise		481,558		36,274		517,832		-		-		-		-		517,832
Consumer loan fees		89,396		-		89,396		232,268		236,992		469,260		-		558,656
Other		7,085		512		7,597		827		19		846		2,445		10,888
Total revenue		788,846		47,429		836,275		233,095		237,011		470,106		2,445		1,308,826
Cost of revenue
Disposed merchandise		318,788		32,090		350,878		-		-		-		-		350,878
Consumer loan loss provision		19,130		-		19,130		95,474		104,475		199,949		-		219,079
Total cost of revenue		337,918		32,090		370,008		95,474		104,475		199,949		-		569,957

Net revenue		450,928		15,339		466,267		137,621		132,536		270,157		2,445		738,869
Expenses
Operations and administration		264,337		30,221		294,558		82,986		85,552		168,538		52,464		515,560
Depreciation and amortization		22,454		14,513		36,967		8,376		905		9,281		10,634		56,882
Total expenses		286,791		44,734		331,525		91,362		86,457		177,819		63,098		572,442
Income (loss) from operations	$	164,137	$	(29,395)	$	134,742	$	46,259	$	46,079	$	92,338	$	(60,653)	$	166,427

	Retail Services						E-Commerce
	Domestic		Foreign		Total		Domestic		Foreign		Total		Corporate		Consolidated

Nine Months Ended September 30, 2011
Revenue
Pawn loan fees and service charges	$	190,409	$	15,725	$	206,134	$	-	$	-	$	-	$	-	$	206,134
Proceeds from disposition of merchandise		435,745		37,913		473,658		30		-		30		-		473,688
Consumer loan fees		85,832		-		85,832		181,243		151,447		332,690		-		418,522
Other		8,768		292		9,060		392		831		1,223		480		10,763
Total revenue		720,754		53,930		774,684		181,665		152,278		333,943		480		1,109,107
Cost of revenue
Disposed merchandise		270,692		31,757		302,449		23		-		23		-		302,472
Consumer loan loss provision		15,452		-		15,452		59,134		70,619		129,753		-		145,205
Total cost of revenue		286,144		31,757		317,901		59,157		70,619		129,776		-		447,677

Net revenue		434,610		22,173		456,783		122,508		81,659		204,167		480		661,430
Expenses
Operations and administration		249,752		25,335		275,087		62,482		58,999		121,481		49,045		445,613
Depreciation and amortization		19,359		4,459		23,818		7,956		618		8,574		7,208		39,600
Total expenses		269,111		29,794		298,905		70,438		59,617		130,055		56,253		485,213
Income (loss) from operations	$	165,499	$	(7,621)	$	157,878	$	52,070	$	22,042	$	74,112	$	(55,773)	$	176,217

The following table sets forth the number of domestic and foreign Company-owned and franchised locations in the Company’s retail services segment offering pawn lending, consumer lending, and other services as of September 30, 2012 and 2011. The Company’s domestic retail services locations operate under the names “Cash America Pawn,” “SuperPawn,” “Cash America Payday Advance,” “Cashland” and “Mr. Payroll.” The Company’s foreign retail services locations operate under the name “Prenda Fácil.”

^(a)	Except as described in (c) below, includes locations that operate in 23 states in the United States as of both September 30, 2012 and 2011, respectively.
^(b)	Includes unconsolidated franchised locations as follows: one location operating under the name “Cash America Pawn” as of September 30, 2012 and eight locations operating under the names “Cash America Pawn” and “SuperPawn” as of September 30, 2011.
^(c)	As of September 30, 2012 and 2011, includes six and six consolidated Company-owned check cashing locations, respectively, and 93 and 109 unconsolidated franchised check cashing locations, respectively. As of September 30, 2012 and 2011, includes locations that operate in 15 and 18 states in the United States, respectively.

As of September 30, 2012 and 2011, the Company’s e-commerce segment operated in 32 states in the United States and in three other foreign countries.

In addition to the financial information prepared in conformity with GAAP the Company provides historical non-GAAP financial information. Management 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 its GAAP results, provide a more complete understanding of factors and trends affecting its 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, its 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.

In addition to reporting financial results in accordance with GAAP, the Company has provided adjusted earnings and adjusted earnings per share, which are non-GAAP measures. Management believes that the presentation of these measures provides investors with greater transparency and facilitates comparison of operating results across a broad spectrum of companies with varying capital structures, compensation strategies, derivative instruments and amortization methods, which provides a more complete understanding of the Company’s financial performance, competitive position and prospects for the future. Management also believes that investors regularly rely on non-GAAP financial measures, such as adjusted earnings and adjusted earnings per share, to assess operating performance and that such measures may highlight trends in the Company’s business that may not otherwise be apparent when relying on financial measures calculated in accordance with GAAP. In addition, management believes that the adjustments shown below, especially the adjustments for events that occurred during the three months ended September 30, 2012, such as the reorganization of the Mexico-based pawn operations and the withdrawal of the proposed initial public offering of the Company's wholly-owned subsidiary, Enova International, Inc. (the "proposed Enova IPO"), are useful to investors in order to allow them to compare the Company’s financial results for the quarter with the previous periods shown.

The following table provides a reconciliation between net income attributable to the Company and diluted earnings per share calculated in accordance with GAAP to adjusted earnings and adjusted earnings per share, respectively, which are shown net of tax (dollars in thousands, except per share data):

		Three Months Ended									Nine Months Ended
		September 30,								September 30,
			2012			2011				2012				2011
		$		Per Diluted Share		$		Per Diluted Share		$		Per Diluted Share		$		Per Diluted Share

	Net income attributable to Cash America International, Inc.	$	11,703	$	0.37	$	34,777	$	1.08	$	82,990	$	2.62	$	98,136	$	3.07

	Adjustments:
	Charges related to withdrawn Enova IPO^(a)		1,941		0.06		-		-		2,461		0.08		-		-
	Charges related to Mexico Reorganization, net of noncontrolling interest^(b)		18,456		0.59		-		-		18,456		0.58		-		-
	Subtotal		32,100		1.02		34,777		1.08		103,907		3.28		98,136		3.07
	Other adjustments:
	Intangible asset amortization		639		0.02		939		0.03		2,042		0.06		3,024		0.09
	Non-cash equity-based compensation		564		0.02		842		0.03		2,481		0.08		2,448		0.08
	Convertible debt non-cash interest and issuance cost amortization		601		0.02		559		0.02		1,766		0.06		1,650		0.05
	Foreign currency transaction (gain) loss		(58)		-		483		0.01		45		-		658		0.02
	Adjusted earnings	$	33,846	$	1.08	$	37,600	$	1.17	$	110,241	$	3.48	$	105,916	$	3.31

^(a)	Represents charges directly related to the proposed Enova IPO that was withdrawn in July 2012. For the three months ended September 30, 2012, represents $3.1 million of charges, net tax benefit of $1.2 million. For the nine months ended September 30, 2012, represents $3.9 million of charges, net tax benefit of $1.2 million.
^(b)	Represents charges related to the reorganization of the Company’s Mexico-based pawn operations. For the three and nine months ended September 30, 2012, represents $21.9 million of charges, net tax benefit of $1.2 million and noncontrolling interest of $2.2 million.

The table below shows adjusted EBITDA, a non-GAAP measure that the Company defines as earnings excluding depreciation, amortization, interest, foreign currency transaction gains or losses, equity in earnings or loss of unconsolidated subsidiary, taxes and including the net income or loss attributable to noncontrolling interests. Management believes adjusted EBITDA is used by investors to analyze operating performance and evaluate the Company’s ability to incur and service debt and its capacity for making capital expenditures. Adjusted EBITDA is also useful to investors to help assess the Company’s liquidity and estimated enterprise value. The computation of adjusted EBITDA as presented below may differ from the computation of similarly-titled measures provided by other companies (dollars in thousands):

	Trailing 12 Months Ended
	September 30,
	2012				2011
Net income attributable to Cash America International, Inc.		$	120,817			$	132,841

Adjustments:
Depreciation and amortization expenses			71,431				52,172
Interest expense, net			28,182				24,078
Foreign currency transaction loss			279				1,421
Equity in loss of unconsolidated subsidiary			243				145
Provision for income taxes			90,570				79,401
Net loss attributable to the noncontrolling interest			(5,539	)			(479	)
Adjusted EBITDA		$	305,983			$	289,579

Adjusted EBITDA margin calculated as follows:
Total revenue		$	1,782,783			$	1,489,105
Adjusted EBITDA			305,983				289,579
Adjusted EBITDA as a percentage of total revenue			17.2	%			19.4	%


	Three Months Ended September 30,
	2012									2011
	Retail			Commercial			Total			Retail			Commercial			Total
Proceeds from disposition	$	81,947		$	71,546		$	153,493		$	79,040		$	78,846		$	157,886
Gross profit on disposition	$	30,023		$	16,552		$	46,575		$	30,782		$	24,830		$	55,612
Gross profit margin		36.6	%		23.1	%		30.3	%		38.9	%		31.5	%		35.2	%
Percentage of total gross profit		64.5	%		35.5	%		100.0	%		55.4	%		44.6	%		100.0	%

	Nine Months Ended September 30,
	2012									2011
	Retail			Commercial			Total			Retail			Commercial			Total
Proceeds from disposition	$	277,602		$	240,230		$	517,832		$	253,272		$	220,416		$	473,688
Gross profit on disposition	$	103,470		$	63,484		$	166,954		$	99,908		$	71,308		$	171,216
Gross profit margin		37.3	%		26.4	%		32.2	%		39.4	%		32.4	%		36.1	%
Percentage of total gross profit		62.0	%		38.0	%		100.0	%		58.4	%		41.6	%		100.0	%

	As of September 30,
	2012			2011
	Amount		%	Amount		%
Jewelry - held for one year or less	$	101,464	59.0	$	104,004	62.2
Other merchandise - held for one year or less		62,268	36.2		57,625	34.5
Total merchandise held for one year or less		163,732	95.2		161,629	96.7
Jewelry - held for more than one year		2,827	1.6		2,091	1.3
Other merchandise - held for more than one year		5,437	3.2		3,345	2.0
Total merchandise held for more than one year		8,264	4.8		5,436	3.3
Total merchandise held for disposition	$	171,996	100.0	$	167,065	100.0

	As of September 30,
	2012			2011
	Domestic^(a)(b)	Foreign^(a)	Total	Domestic^(a)(b)	Foreign^(a)	Total
Retail services locations offering:
Both pawn and consumer lending	577	-	577	571	-	571
Pawn lending only	155	160	315	125	186	311
Consumer lending only	83	-	83	86	-	86
Other ^(c)	99	-	99	115	-	115
Total retail services	914	160	1,074	897	186	1,083