United States MexicoUnited States Mexico

Canada United Kingdom Australia

Cash America International, Inc.

Investor PresentationAs of September 30, 2010

Cautionary Statement Regarding Risks and y g gUncertainties That May Affect Future Results

This presentation may contain forward-looking statements within the meaning of the Private Securities 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 the Company’s senior management with respect to the business, financial condition and prospects of th C f th d t f thi t ti d t t f f t fthe 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 Company’s business, including, without limitation, those risks and uncertainties indicated in the Company’s filings with the Securities and Exchange Commission especially on Forms 10 K 10 Q and 8 Kfilings 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 in this presentation the words “believes ” “estimates ” “plans ” “expects ” “anticipates” and similarthis presentation, the words believes, estimates, plans, expects, anticipates and similar expressions or variations as they relate to the Company or its management are intended to identify forward-looking statements. The Company cautions you not to put undue reliance on these statements. The Company disclaims any intention or obligation to update or revise any forward-looking statements after the date of this presentation.

2

g p

Cash America offers financial products that meet the short term cash needs of the underbanked and unbanked consumer

Core business of Cash America– Represents approximately of LTM operating

income

short-term cash needs of the underbanked and unbanked consumer

73%

Operates 735 pawnshop/consumer lending locations in the U.S. and 202 pawnshops in Mexico– Largest pawn lender in the worldHigh quality loan portfolio

58% of U S pawn loan portfolio is secured by jewelry

Retail Services

– 58% of U.S. pawn loan portfolio is secured by jewelry– Yield on merchandise sold of 155.0% in 2009Operates 125 check cashing locations in the U.S.

27%Internet based short-term lending products– Represents of LTM operating incomeCashNetUSA, acquired in 2006, serves as main platform

f li d t di t ib ti i th U S th U KE-Commerce for online product distribution in the U.S., the U.K., Canada and in Australia

Online gold buying

33

Dispelling the Myths of Pawn Lending

Myth Reality

High Cost Loans

y y

Low Cost Alternative

Junk Disposal

Stolen Items

70% Redeemed

Police Reporting/Database

Want Defaults

D k/Di t

Creates Loyalty

S Ph tDark/Dirty

Quirky Business

See Photos

2,000 years of Success

4

Attractive Industry FundamentalsPositioned to take advantage of contraction in availability of consumer credit

Cash America serves a growing market segment of underbanked and unbanked– Estimated 60 million in U.S. – Estimated 80 million in Mexico.– Economic and demographic factors contribute to make the underbanked and

unbanked segment of the population an increasingly attractive target.

Check Cashing

Title LendingCash Advance

Installment Loans

Internet Lending

Alternative Financial Services

Remittance

Pawn LoansBuy Here / Pay Here

Auto Sales

Prepaid CardsRemittance

5

Rent-to-OwnAuto Sales

U.S Regular Retail Gasoline Prices (dollars per gallon) (1) Average Annual Utility Expenditure Per Household (2)

$4.50

$2,000

$2,500

$3,000

$3,500

$4,000

$2.00$2.50$3.00$3.50$4.00$4.50

1-YearIncrease

38.7%

$-

$500

$1,000

$1,500

$0.00$0.50$1.00$1.50

20%

25%

Personal Saving Rate (4)Annual Averages of Weekly Hours Worked (3)

36.036.5

%

0%

5%

10%

15%

%

33.033.534.034.535.035.536 0

Hou

rs

-10%

-5%

Personal saving rate, percent of DPI, NIPAs

Personal saving rate percent of DPI FFAs

31.532.032.5

Target Customer Total Private

6

Personal saving rate, percent of DPI, FFAs

(2) Source: U.S. Energy Information Administration – Independent Statistics and Analysis - Included in this expenditure: Natural Gas, Electricity, Fuel oil and other fuels, telephone, water and other.(3) Source: U.S. Census Bureau

(1) Source: U.S. Bureau of Economic Analysis

(4) U.S. Bureau of Labor Statistics

DPI: Disposable personal income; NIPA: National Income and Product Accounts; FFA: Flow-of-funds accounts

Target customer includes: education & health services, leisure and hospitality, trade & transportation, manufacturing, durable & non-durable goods producing, construction.

Segment Contribution

Contribution by Segment to

as Percent of Total ($/millions)

Contribution by Segment to Contribution by Segment to Operating Income

Contribution by Segment to Net Revenue, Net Loan Losses

$800$200$220

$665 3$204.5$750.2

$116.3$145.8

$202.9

$500

$600

$700

$42.2

$39.7$54.5

$120$140$160$180$200

$595.4

$665.3

$148.7

$175.7

$479.1 $519.5 $547.3

$200

$300

$400

$106.5$135.9 $149.9

$40$60$80

$100$

73%

$100

$

2008 2009 TTM Q3 '10$0

$20

2008 2009 TTM Q3 '10E-Commerce

R t il S i

E-Commerce

R t il S i

7

Retail Services Retail Services

Net Revenue Net of Consumer Loan LossesTTM September 30, 2010

($750.2 million - $/millions)

U.S. Pawn Loan Fees + GP $54%

Mexico Pawn Loan Fees + GP $4%

Storefront Consumer Loans, net fees13%

8

54%U.S. E-Commerce, net fees

21%

4%Foreign E-Commerce, net fees

6%

13%Other

2%

Gross Lending Assets

Total Pawn Loans Storefront * Card Services * Online *

for the Periods Ended ($/millions)

$110.8$300

$350

$400

+14% $285.7$309.2+8%

$375.6+21%

$79.2 $74.7$58.0

$63.7$3.8$12.8

$45.0$73.7

$78.7

$150

$200

$250

Mill

ions $179.6

+40% $251.6

$115.3 $127.4 $137.3$168.7 $188.3

$64.3

$50

$100

$150M

$0FYE 2005 FYE 2006 FYE 2007 FYE 2008 FYE 2009

9

* Gross cash advances include amounts extended by third parties.

Total Market CoverageA f S t b 30 2010As of September 30, 2010

Total LocationsGeographic Footprint

1 0481,1011,200

112 176202139

133126

125942994

1,048

800

1,000

United Kingdom

British Columbia& Ontario, Canada

803 749 746 774400

600

Australia

United States

0

200

2007 2008 2009 Q3 2010 *MexicoC d & F hi d Ch k C hi

Internet Operations Only

Storefront Operations Only

Internet & Storefront Operations

Company-owned & Franchised Check Cashing

Mexico Pawn Storefront

U.S. Storefront (* includes franchised locations & 39 locationsacquired in October 2010)

10

No Lending Operations

Internet & Storefront Operations

Historical Financial Performance ($/millions)

$171 9$188.1

$215.8

30%

40%

$200.0

$250.0

EBITDATotal Revenue

$103.3

$133.8

$171.9

17.3% 19.3% 18.5% 18.3% 19.3%

20%

30%

$100.0

$150.0

10%$50.02005 2006 2007 2008 2009

EBITDA EBITDA Margin

EPS Operating Income

11

Growth StrategyCash America plans to pursue a balanced growth strategy focused

on storefront expansion and product diversification

Expand storefront pawn business in U.S. and Mexico through newstore openings and strategic acquisitions.

Develop new credit alternatives that help customers meet theirDevelop new credit alternatives that help customers meet theirshort-term credit needs.

Expand online distributionDevelopment of new foreign markets– Development of new foreign markets

– New financial products and services– Online gold buying services

Increase revenue per location– Organic growth aided by Advertising Promotion– Introduction of ancillary products and services– New customer acquisition

12

– New customer acquisition

SU.S. and InternationalRetail Services - Lending Platform

13

Lending LocationsA f S t b 30 2010As of September 30, 2010

U.S. Location Summary Mexico Location Summary

Locations@ 09/10

LocationsAdded TTM 09/10

* Locations@ 09/10

LocationsAdded TTM 09/10

* U.S. includes 9 franchised locations and 39 recently acquired Company-owned locations

@ 09/10

202

Added TTM 09/10

51

@ 09/10

774

Added TTM 09/10

42

14

Total TTM Additions 93

Growth Strategy

39 stores in Washington and Arizona29 stores in Seattle and surrounding areas10 t i Ph i /T d di

Acquisition of Maxit Pawn

10 stores in Phoenix/Tempe and surrounding areas10 stores added since 2008

Pawn only (no other products)

Purchase Price $70MMPurchase Price $70MMCash consideration of $57.5MMRemainder in company stock

Acquisition closed on October 4, 2010Acquisition closed on October 4, 2010Purchase Multiple (2010 projected and pre-synergy)

Multiple of TTM EBITDA – 8.7x,

Multiple of TTM EBITDA w/Synergies – 6 8xMultiple of TTM EBITDA w/Synergies 6.8xMultiple of TTM EBITDA w/ Synergies and New Store Loss – 6.0xPawn Loan Balance – 3.3x

POS IntegrationPOS Integration

15

U.S. Pawn – Domestic Retail Services

Industry leader in pawn services.Company began in 1984.Fi i hi h bli k i 198First in this sector to the public markets in 1987.Listed on the New York Stock Exchange in 1990.

Segment represents 73% of TTM total company income from operationsSegment represents 73% of TTM total company income from operations

Regulated on a state-by-state basis and extremely stable.Rates are 10%-20% per month.Loans are 60-90 days and average 45 days in length.

Loans are fully collateralized (58% by gold & diamond jewelry).

Approximately 70% redemption rate.

Retail sales of forfeited merchandise generate approximately 40% GP margin.

16

U.S. Pawn Loan Balances($ in millions, at end of period)

17

* Estimate “as if” Maxit acquisition closed by 09/30/10, actual closing date 10/04/10.

U.S. Retail Services – Income from Operations($ in millions)($ in millions)

18

U.S. Pawn Lending Locations

19

U.S. Pawn Lending Locations

20

International Storefront

Acquisition of Prenda Fácil (December 2008)– Approximately 75% of Mexico’s low income bracket is unbanked– Effective pawn de-novo growth platformLeads the way for Central and South American expansion opportunities

Mexico Has a Large Unbanked Population

< 1 Year> 2 Mexico Pawn Store Vintage

Unbanked

lds

in m

m)

1 Year25%Years

50%

1100

51

(Hou

seho 62

1-2 Years25%

51

21

202 Total Stores as of September 30, 2010

Mexico Pawn Lending LocationsSmall Shopping Mall – Exterior

22

Mexico Pawn Lending LocationsIn-Line Shopping Center – Exterior View

23

Mexico Pawn Lending Locations

Initial Retail Program• Easy to install• Fits current format• Introduces jewelry retail• Limited investment

24

Prenda Fácil – Updated Business Model Differentiation strategy in Central Mexico introducing loans on general merchandise into most locations

Most new store openings will be full formatp g

Actively convert and relocate existing gold only stores

Cash America advantage is its full format expertise

25

Approximate Location Counts by Market

14 00016,000 ~ 14,000

Pawn Locations

80 Million

10 00012,00014,000 60

Million

6,0008,000

10,000U.S. -

DevelopedMarket

2,0004,0006,000

Mexico -Emerging

~ 3,000Pawn Locations

0e g g

Market

Serving ~ 60 million underbanked

customers

Serving ~ 80 million underbanked

customers

26

customers customers

Financial Depth By Region (1990s)

Credit toN b f P i t S tNumber of Private Sector

Region Countries (% of GDP)

Developed Countries 24 84

East Asia and the Pacific 10 72

Middle East and North Africa 12 43

Latin America and the Caribbean 20 28Latin America and the Caribbean 20 28

Eastern Europe and Central Asia 18 26

South Africa 6 20

27

Source: IADB (2004)

Selected South American Markets Population Density

Total Urban Areas

B il 198 7 17 86% $10 100

Total Urban AreasPopulation Greater Than Urban GDP

Country (Millions) One Million Pop. Population Per Capita

• Brazil 198.7 17 86% $10,100• Argentina 40.9 3 92% 14,200• Peru 29.5 1 71% 8,400• Chile 16.6 1 88% 14,900

• USA 307.2 40+ 82% 47,000• Mexico 111.2 10+ 77% 14,200

28

Source: CIA World Factbook

E-Commerce PlatformsOnline Lending:

Entered United Kingdom in July 2007Acquired in September 2006

Entered Canada in October 2009Entered Australia in May 2009

C d B dO li G ld B i

Launched in United Kingdom in August 2010

Card-Based:Online Gold Buying:

29

Acquired in July 2008

Multi-Channel Consumer Loan Operation

CashNetUSA– Online convenience– State-by-State regulated

Internet-Based

Platform

State by State regulated– Ability to rapidly add new product offerings– Ability to leverage operating costs– Broad market coverage– Expansion to U.K., Australia, and Canada

Q ickQ id U KQuickQuid – U.K.Dollars Direct – Australia and Canada

– Develop online gold buying launched in October 2010

Card- Primary InnovationsNew platform being developed to expand market penetration

BasedServices

– New platform being developed to expand market penetration– Ease of use for customers– Appeals to “cashless” society trends

30

Other Platform Uses and the Future

GearHub (Online Layaway) Launched platform in June 2010Determining loss rates and demand by revising strategyand running focus groupsand running focus groups

Gold Promise Launch pushed to October 2010

United States and U K Installment LendingUnited States and U.K. Installment LendingIn Process

31

Foreign Consumer Loan – Net RevenueT t l R L L L P i iTotal Revenue Less Loan Loss Provision

($ in millions)

$50$44.4

$35

$40

$45

United KingdomEntered July 2007

$20.9$20

$25

$30

$5.0$

$10

$15

$20AustraliaEntered May 2009

$0

$5

TTM 12/08 TTM 12/09 TTM 09/10CanadaEntered Q4 2009Ontario &

32

Ontario & British Columbia

Foreign Consumer LoanT t l R B kdTotal Revenue Breakdown

($ in millions)

$90$83 5

United KingdomEntered July 2007

$44 4$

$70

$80$83.5

$44.4

$40

$50

$60

$40.5

AustraliaEntered May 2009

$39.1$5.0

$20.9

$20

$30

%47%

$23.2

CanadaEntered Q4 2009Ontario &

$18.3 $19.6

$0

$10

TTM 12/08 TTM 12/09 TTM 09/10

78% 48%

33

Ontario & British Columbia Net Revenue Loan Loss Provision

Domestic Consumer Loan – Net RevenueT t l R L L L P i iTotal Revenue Less Loan Loss Provision

($ in millions)

$180

$111 4$124.9

$157.5

$120

$140

$160

$81.9

$111.4

$80

$100

$120

United StatesAcquired

$15.7$20

$40

$60Acquired CashNetUSA September 2006

$15.7

$0

$20

TTM 12/06 TTM 12/07 TTM 12/08 TTM 12/09 TTM 09/10

3434

Domestic Consumer LoanT t l R B kdTotal Revenue Breakdown

($ in millions)

$300$

$200

$250

$214.5

$268.6

$200.3

$111.4 $124.9

$157.5

$150

$200

United StatesAcquired

$88.9 $89.6$111.1$50

$100

44% 42%41%

Acquired CashNetUSA September 2006

$0TTM 12/08 TTM 12/09 TTM 09/10

Net Revenue Loan Loss Provision

35

Consumer Loan PortfolioConsumer loan product maximizes operating leverage and enhancesearnings and cash flow

Stable loan loss provisions7.1%

5.1%5.5%

6.1%5.5%

5.2%

6.2% 6.2%

5.0%

6.0%

7.0%

8.0% 6.5%

0.0%

1.0%

2.0%

3.0%

4.0%

Q3 2008 Q4 2008 Q1 2009 Q2 2009 Q3 2009 Q4 2009 Q1 2010 Q2 2010 Q3 2010

Conservative charge-off policy– Unsecured consumer loans fully reserved if past 60 days due

Short-term single payment mitigates credit deterioration over timeg p y g

Consumer demand for product remains strong due to:– Fast and flexible– Ease of use

F il bl dit ti

36

– Fewer available credit options– Lower cost credit alternative

FICO Score ShiftChange in Population Percentages by Score

25.0%

30.0%

Change in Population Percentages by Score

+ 10-15mm20.0%

rcen

tage

10.0%

15.0%

Popu

latio

n Pe

r

5.0%

P

0.0%

A il 2010Hi t i l

37

April 2010Historical

Source: www.myfico.com

Consumer’s Choice

$60

A Comparison of the Alternatives: Cash Advance cost less.The Consumer Gravitates to the Best Deal.

$40

$50

$20

$30

$-

$10 $15 Fee $29 Fee $37 Fee $58 Fee

$100 Payday Advance

Overdraft Protection Fee on $100 Transaction

Credit Card Late Fee on $100 Bill

Bounced Check + NSF Merchant Fee

on $100 Transaction

38

Source: Community Financial Services Association of America.

Comparative Data – 2008 Average InsufficientF d /O d ft P t ti P id P B k d H h ld

$600

Funds/Overdraft Protection Paid Per Banked Household

$400

$500

$200

$300

$400

$369 $542 $241 $100

$200

$-USA States w/o Cash Advance States with Cash

Advance

39

Source: Bretton Woods, Inc.; 2008 Analysis of Bank and CreditUnion NSF/ODP Programs, published January 9, 2009.

Summary Investment Highlights

C i t tl P f i R t il S i B i ith

y g g

Consistently Performing Retail Services Business with well Positioned E-Commerce Services Business

Growth Strategy Focused on Domestic and International Storefront E i d P d t Di ifi tiExpansion and Product DiversificationHigh Quality Loan PortfolioStrong Historical Financial PerformanceDemonstrated Access to Multiple Sources of FinancingAttractive Industry Fundamentals

Dili t F R l t C liDiligent Focus on Regulatory Compliance

40

United States MexicoUnited States Mexico

Canada United Kingdom Australia

Cash America International, Inc.

Investor PresentationAs of September 30, 2010

Investor Contact Information1 (800) 645-0623

www.cashamerica.com

( )investor_relations@casham.com

Appendix

42

Non-GAAP Financial Information

In addition to the financial information prepared in conformity with generally

Non GAAP Financial Information

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 themeaningful and useful in understanding the activities and business metrics of the Company’s operations. Management believes that this non-GAAP financial measure reflects an additional way of viewing aspects of the Company’s business that, when viewed with the Company’s GAAP results, provides a more complete understanding of factors and trends affecting the Company’s business.

Management provides such 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-p y p pGAAP financial information may be determined or calculated differently by other companies, limiting the usefulness of those measures for comparative purposes.

43

EBITDA

Twelve Months EndedDecember 31

($ in millions)

Net Income from continuing operationsAdjustments:

Income taxesDepreciation and amortization

2009$ 96,678

$ 56,780$ 41,589

2008$ 81,140

$ 51,617$ 39,651

2007$ 79,346

$ 45,419$ 32,125

2006$ 60,940

$ 35,228$ 27,312

2005$ 44,821

$ 26,061$ 23,417

Interest expenseInterest income

Earnings from continuing operations beforeinterest, income taxes, depreciation andamortization

$ 20,807 $ (29)

$ 215,825

$ 15,993 $ (267)

$ 188,134

$ 16,021 $ (1,041)

$ 171,870

$ 11,945 $ (1,631)

$ 133,794

$ 10,610 $ (1,614)

$ 103,295

EBITDA margin calculated as follows:Total revenue from continuing operationsEarnings from continuing operations before interest, income taxes,

$1,120,390 $1,030,794 $ 929,394 $ 694,514 $ 595,763

depreciation and amortizationEBITDA as a percent of total revenue

215,82519.3%

188,13418.3%

171,87018.5%

133,79419.3%

103,29517.3%

44