Cash America Presentation

8/10/2019 Cash America Presentation

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Cautionary Statement Regarding Risks andUncertainties That May Affect Future Results

This presentation may contain forward-looking statements within the meaning of the PrivateSecurities Litigation Reform Act of 1995 about the business, financial condition and prospects of Cash America International, Inc. (the Company). These forward-looking statements give current expectations or forecasts of future events and reflect the views and assumptions of theCompanys senior management with respect to the business, financial condition and prospects of the Company as of the date of this presentation and are not guarantees of future performance.The actual results of the Company could differ materially from those indicated by such forward-looking statements because of various risks and uncertainties applicable to the Companysbusiness, including, without limitation, those risks and uncertainties indicated in the Companysfilings with the Securities and Exchange Commission, especially on Forms 10-K, 10-Q and 8-K.These risks and uncertainties are beyond the ability of the Company to control, and, in many cases, the Company cannot predict 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 inthis presentation, the words believes, estimates, plans, expects, anticipates and similar expressions or variations as they relate to the Company or its management are intended toidentify forward-looking statements. The Company cautions you not to put undue reliance onthese statements. The Company disclaims any intention or obligation to update or revise any forward-looking statements after the date of this presentation.

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Cash America International, Inc. NYSE: CSH

863 U.S. Retail Lending Locations

Total U.S. Pawn Loans Written to Consumers( in mil l ions)

We Provide Financial Solutions That Help Ord inary Peop le Meet Their Needs

and Pursue Their Dreams!

$592 $625$689

$869 $916

$959

$0

$100

$200

$300

$400$500

$600

$700

$800

$900

$1,000


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Domestic Retail Services Strategy

WA=34

NV=28

AZ=37

TX=262

IL=26

FL=77

OH=120

4

TN=41

Number U.S. Locations

$164

$197$238 $240

$257

$-

$50

$100

$150

$200

$250

$300

2009 2010 2011 2012 2013

U.S. Pawn Loan Balances ($mms)

GA=48

NC=19

Top Ten States based on Number of Locations(692 out o f 863 Locat ions in 10 Sta tes)


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Operated 863 (as of 9-30-14) lending locations in 21states in the U.S.

Largest pawn lender in the U.S in terms of loans to

customers High quality loan portfolio

60% of pawn loan portfolio is secured by jewelry Yield on merchandise sold of 143.3% in 2013 Approximately 69% Redemption Rate

BusinessOverview

Business Overview

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Pawn Loans as of 9-30-14

Storefronts serving the shor t - term c ash needs of the und er-banked con sum er


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U.S. Pawn Lending Public Market Participants

$477 million as of September 30, 2014

Total U.S. StoresNo. of Stores Loans/Store (000s)

CSH 863 $307FCFS 252 $266EZPW 1,044 $139

($ in mi l l ions)

$265

$67

$145

CSH FCFS EZPW

56%

30%

14%


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Domestic Retail Services Segment Highlights

Began renewed emphasis on pawn fund amenta ls Q2 2013

Exi t non s t ra tegic products to emphasize pawn customer service Cash Advance phasing out in most markets Money services business products Auto Equity

Customer t raff ic continues to improve in all major markets Growth of pawn b alance returned in Q2 2014

Continued transition of retail disposition strategy evidenced in firstnine months of 2014

Continue to leverage and explore alternative inventory dispositionstrategies

Continue to sustain expense con trol measures as revenues return tomore normalized levels

Recent significant pawn acqu is i t ions provide long-term value

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Performance Recovery Late 2015

Play to strengths of business

Strong cash flow

Enhance marginal profitability through asset expansion vs. unit growth

Reinvest cash to build long-term shareholder value

Possible share repurchase

Possible transition to meaningful dividend pay-out ratio


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Exit of Non-Strategic Markets

Mexico

Sold 47 Units in a stock transaction valued at $20MM

Allows strategic focus on domestic pawn operations

Cash proceeds reduced debt

Colorado

5 stores (4 from 1998 acquisition of Doc Holidays)

Colorado Springs, Pueblo and Denver

Passed on two large acquisitions in Colorado 2011 and 2012 Sold stores for $3MM (cash used to reduce debt)

Combined loss on sales of non-strategic stores in Q3 of $5.2MM pre-tax ($6.4MM after tax, $0.22 per share);$23MM in total cash received.

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Exit / Migration from Cash Advance Product

Ceased product offering in pawn stores in the states of Utah (7), Oklahoma (15),

Florida (77), Alabama (9), and Kentucky (21) in 2014 Impact of City Ordinances

Closed all Texas mono-line units in 2013

Eliminate cash advance product from all but 50 Texas pawn stores in Q4 2014

Estimate cash advance product eliminated from 300 locations by year-end Currently piloting installment loan replacement product in 11 Ohio Cashlandstores

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Reduction in Money Services Business (MSB) Products

Company eliminated the following product offerings at its pawn units Money Transfers

Netspend (pre-paid debit cards)

Check Cashing

Money Orders

Cashland (OH) units will continue to offer the above MSB products

Eliminated the Auto Equity product in all states (Texas, Ohio, Georgia,Arizona and California)

Auto Title product in Ohio under review

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13/3013

Recently Completed Acquisition

DFW

Waco

San Antonio

Houston

College Station

Transaction closed late Q3 2013

Well established and operating since 1994

$14.4 million pawn loan balance as of closing date

$103.1 million price paid in cash

42-Store chain enhances market positions:

Houston 15 62 77Dallas/Ft. Worth 14 46 60San Antonio 5 29 34Waco 5 2 7College Station 3 1 4

TDP CSH Total


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Recently Completed Acquisition

Transaction closed late Q4 2013

$10.7 million pawn loan balance as of 12-31-12

$62.0 million estimated price to be paid in cash 34-Store chain enhances market positions:

Atlanta, GA 31 11 42

Charlotte, NC 3 10 13

PMRT CSH Total


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U.S. Pawn Lending Locations

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U.S. Pawn Lending Locations

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25% of U.S. households used Alternative Financial Services productsin the last 12 months*

20% of U.S. households are underbanked (~24 million households)*

8% of U.S. households are unbanked (~10 million households)*

29% of U.S. households do not have a savings account*

Cash America serves a growing market segment of the underbanked:

Estimated 60 million in U.S.

Growing need for consumer credit

Many traditional consumer lenders have exited market

Attractive Industry Fundamentals

* Source: 2011 FDIC National Survey of Unbanked and Underbanked Households published September 2012.

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Growth Strategy

Emphasis on customer acquisition

Aggressive marketing campaigns

Adding pawnshop units de novo and acquisition

Growth in lending assets drives higher marginal profitability andgrowth rates

Utilize strong cash flow to enhance shareholder returns

Retail Services B uild on Stable Business Model

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Business Metrics

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Pawn Loan Demand Recovering

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-10.0%

-5.0%

0.0%

5.0%

10.0%

15.0%

Q2 ' 12 Q3 ' 12 Q4 ' 12 Q1 ' 13 Q2 ' 13 Q3 ' 13 Q4 ' 13 Q1 ' 14 Q2 ' 14 Q3 ' 14

SS Bal Growth

2.1%

(4.8%)(0.5%)

Same Store Pawn Loan Balance Growth


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Pawn Loan Portfolio Shift from Jewelry to General

31%

69%

GM % Jewelry %

36%

64%

GM % Jewelry %

40%60%

GM % Jewelry %

September 12 September 13 September 14

33.8%32.2%

30.8%

Jewelry Pulled for Inventory YTD - September

2012 2013 2014


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Price of Gold and Disposition Strategy Shift

92% 86% 84% 81% 77% 73% 67%57% 53% 55% 52% 52%

67% 74%

8% 14% 16% 19% 23% 27% 33%43% 47% 45% 48% 48%

33% 26%

0%10%20%30%40%50%60%70%

80%90%

100%

2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 YTD9-14Retail Commercial

$271 $310 $363 $409

$445 $604 $695

$872$972

$1,225

$1,572 $1,669

$1,411$1,289

$0

$250

$500

$750

$1,000

$1,250

$1,500

$1,750

2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 YTD9-14

A v e r a g e S

p o t P r i c e G o l d / o z

D i s p o s i t i o n M i x C O G S


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DRS: Gold GP$ Decrease & Retail GP$ Offset

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4,994

(2,265) (6,706)

(12,188)(12,891)

(9,416)

(12,216)(13,306) (12,879)

(5,668)

(273)

($15,000)

($10,000)

($5,000)

$0

$5,000

$10,000

Q1 '12 Q2 '12 Q3 '12 Q4 '12 Q1 '13 Q2 '13 Q3 '13 Q4 '13 Q1 '14 Q2 '14 Q3 '14

Y o Y G P $ V a r

( $ / t h o u s a n d s

)

$7,774

#: Represents YoY Scrap GP$ Variance.#: Represents YoY Total GP$ Variance.Green: Represents YoY Retail GP$ variance offset.

($9,278) ($12,395) ($7,277) ($7,951) ($10,045) ($5,551) ($592)

$3,361

($8,184)($1,873)


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Commercial Sales Gross Profit Dollars

Retail Sales Gross Profit Dollars

Average Price of Gold per ounce EOP

$10 $13 $15

$24

$38

$53

$66$74

$104

$81

$33

$47

$14

$29

$10

$79 $83

$102 $107

$112$118

$112$122

$138$144

$152 $150

$170

$109

$125

$-

$300

$600

$900

$1,200

$1,500

$1,800

$0

$50

$100

$150

$200

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 LTMQ3

2013

LTMQ3

2014

YTDQ3

2013

YTDQ3

2014

Gross Profit Contribution by Source($ in m il l ions)


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State and Federal Regulatory Stability

Licensed Lender - State by State

High Quality Secured Pawn Loan Portfolio

Significant Market Share

Geographic Diversification

Demonstrated Access to Multiple Sources of Financing

Attractive Industry Fundamentals

Continued De-Emphasis on the Short-Term Single-Pay Loan Products

Diligent Focus on Regulatory Compliance

Summary Investment Highlights

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Investor Contact Inform at ion: (800) 645-0623 investor_re la t [email protected]


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In addition to the financial information prepared in conformity with generally accepted accounting principles in the United States (GAAP), the Company provides earnings before interest, taxes, depreciation and amortization (EBITDA),which is a historical non-GAAP financial calculation. Management uses the non-GAAP financial measure for internal managerial purposes and believes that its presentation is meaningful and useful in understanding the activities and business

metrics of the Companys operations. Management believes that this non-GAAP financial measure reflects an additional way of viewing aspects of the Companysbusiness that, when viewed with the Companys GAAP results, provides a morecomplete understanding of factors and trends affecting the Companys business.

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

Non-GAAP Financial Information

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Operating Income and Adjusted EBITDA by Segment($/millions)

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Retail E-Services Commerce Corporate Consolidated

Income (loss) from operations $132.5 $210.5 ($96.0) $247.0Depreciation and amortization expenses 41.8 17.9 18.3 78.0

Adjustments:Texas Consumer Loan Store Closures 1.4 - - 1.4

Loss on Divestitures 5.2 - - 5.2Corporate Reorganization 1.7 - 4.4 6.1Regulatory Penalty 2.5 2.5 - 5.0 Adjustment on Ohio Reimbursement (5.0) - - (5.0)

Adjusted EBITDA $180.1 $230.9 ($73.2) $337.7 Allocated OH ($62.7) ($10.5)Proforma Stand Alone $117.4 $220.4Total Debt $206.0 $494.0Net Debt (1) $186.7 $389.8Net Debt/TTM Adj. EBITDA 1.6x 1.8x

(1) Net Debt = Total debt minus cash.

LTM September 2014


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Documents

Cash America Presentation