Cash America Announces 52% Increase in Second Quarter Net Income and Declares Dividend

Revenue from pawn loans increased 17% and sales of merchandise increased 26% during the second quarter of 2008, leading to $248.0 million in total revenue, up 16% from $213.9 million in the prior year period, an increase of $34.1 million. Also contributing to the growth in total revenue was a 7% increase in cash advance fees. Cash advance fees increased $5.9 million, to $92.8 million in the second quarter 2008, up from $86.9 million in the same period in 2007. Revenue from cash advance fees were led by a 24% increase in cash advance fees from the Company's online distribution channel during the quarter which offset a drop in cash advance fees from storefront operations. Consolidated operating income increased 56% to $35.9 million in the three months ended June 30, 2008 compared to $23.0 million in the second quarter of 2007.

Commenting on the results of the quarter, Daniel R. Feehan, President and Chief Executive Officer of Cash America said, "The results of the second quarter finished above our initial estimates as earnings from our pawn related lending activities were particularly strong during the quarter. Higher loan demand continued our trend of increased revenue from pawn loans and we experienced better than expected retail sales activity during the quarter, partially aided by the tax stimulus payments received by many of our customers. In addition, loan losses related to our cash advance product continued to moderate leading to a significant improvement in our operating income margins generating the 56% increase in earnings per share on a 16% rise in total revenue."

For the first six months of fiscal year 2008 Cash America posted a 42% increase in net income to $45,948,000 ($1.53 per share, up 44%) compared to $32,443,000 ($1.06 per share) in the same period for the prior year. The increase in year over year net income for the first six months of 2008 was achieved on a 14% increase in total revenue, which reached $498.9 million in the six months ended June 30, 2008 compared to $436.8 million for the same period in the prior year.

Cash America will host a conference call to discuss the second quarter results on Thursday, July 24th at 7:45 AM CDT. A live web cast of the call will be available on the Investor Relations section of the Company's corporate web site (http://www.cashamerica.com). To listen to the live call, please go to the web site at least fifteen minutes early to register, download, and install any necessary audio software. A replay will be available on the Company's web site for 90 days following the conference call.

Additionally, the Company announced that the Board of Directors, at its regularly scheduled quarterly meeting, declared a $0.035 (3.5 cents) per share cash dividend on common stock outstanding. The dividend will be paid at the close of business on August 20, 2008 to shareholders of record on August 6, 2008.

Outlook for the Third Quarter of 2008 and Related Fiscal Year

Management believes that the opportunities for sustained growth in revenue and earnings will be largely associated with the customer demand for the credit products provided by the Company, which take the form of pawn loans and short-term cash advances. Other elements expected to affect the growth in revenue include the regulatory governance of loan products and the continued development and growth of the Company's online distribution channel for cash advance products. As the Company enters the third quarter of 2008, management anticipates that demand for the Company's products will continue to remain strong. Management is tempering its expectations, however, due to the possibility that the Company may close all or a portion of its cash advance lending locations in the state of Ohio as a result of recently enacted legislation which reduces the fees permitted to be charged to a level that it would not enable the Company to offer the cash advance product profitably (for additional details refer to the Company's press release dated May 15, 2008). While the Company is evaluating alternatives to continue to serve customers in need of short-term loans in Ohio, management has phased out the results of its storefront cash advance business in Ohio in its expected results for the third quarter pending the outcome of this evaluation. Based on its views and on the preceding factors management expects that the third quarter 2008 net income per share will be between 62 and 66 cents per share (excluding one-time charges related to store closures in Ohio) compared to 55 cents per share in the third quarter 2007, which excludes the pre-tax gain of $6.3 million from the sale of the Company's notes receivable and its rights to acquire a minority ownership position in an overseas pawn lending business, Svensk Pantbelaning which occurred in September of 2007.

Expectations for the remainder of fiscal 2008 will be impacted by earning asset levels in later periods based on customer demand for credit products and retail sales activities in the fourth quarter as well as loan loss expense in future periods. However, based on the strong start to the first half of the year, management increases its previously announced expectation for the full year 2008 earnings per share to between $3.00 and $3.20 up from between $2.85 and $3.00, which was announced on May 15, 2008. These expected results for fiscal 2008 also assume that the Company will close its Ohio cash advance locations in the third quarter of 2008, but do not include one-time charges for any store closures associated with this action. The new 2008 estimate compares to $2.48 per share in fiscal 2007. The full year 2007 results exclude the $6.3 million (13 cents per share after taxes) gain in the third quarter of 2007

Cash America International, Inc. is a provider of specialty financial services to individuals in the United States with 928 total locations as of June 30, 2008. Cash America is the largest provider of secured non-recourse loans to individuals, commonly referred to as pawn loans, through 501 locations in 22 states under the brand names Cash America Pawn and SuperPawn. The Company also offers short-term cash advances in many of its locations including 292 locations that offer this service under the brand names Cash America Payday Advance and Cashland. Short-term cash advances are also offered over the Internet to customers in 33 states in the United States and in the United Kingdom at http://www.cashnetusa.com and http://www.quickquid.co.uk, respectively. In addition, check cashing services are provided through its 135 franchised and Company-owned "Mr. Payroll" check cashing centers.

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

http://www.cashamerica.com http://www.cashnetusa.com http://www.cashlandloans.com http://www.quickquid.co.uk

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 demand for the Company's services, the actions of third parties who offer products and services at the Company's locations, fluctuations in the price of gold, changes in competition, the ability of the Company to open new operating units in accordance with its plans, economic conditions, real estate market fluctuations, interest rate fluctuations, changes in foreign currency exchange rates, changes in the capital markets, changes in tax and other laws and governmental rules and regulations applicable to the Company's business, the ability to successfully integrate newly acquired businesses into the Company's operations and other risks 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," "plans," "expects," "anticipates" and similar expressions 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 Six Months Ended June 30, June 30, ------------------- ---------------- 2008 2007 2008 2007 ---------- -------- ------- ------- Consolidated Operations: Total revenue $ 247,979 $213,881 $498,913 $436,753 Net revenue 181,238 161,097 360,656 322,044 Total operating expenses 145,344 138,063 280,290 265,012 Income from operations $ 35,894 $ 23,034 $ 80,366 $ 57,032 Income before income taxes 32,698 19,491 73,688 50,203 Net Income $ 20,137 $ 13,209 $ 45,948 $ 32,443 Earnings per share: Basic $ 0.69 $ 0.44 $ 1.57 $ 1.09 Diluted $ 0.67 $ 0.43 $ 1.53 $ 1.06 Weighted average shares: Basic 29,326 29,833 29,348 29,852 Diluted 30,094 30,557 30,103 30,579

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES CONSOLIDATED BALANCE SHEETS (in thousands, except share data) June 30, December 31, -------------------- 2008 2007 2007 ---------- -------- ------------ (Unaudited) Assets Current assets: Cash and cash equivalents $ 29,963 $ 26,207 $ 22,725 Pawn loans 142,211 131,528 137,319 Cash advances, net 85,492 77,948 88,148 Merchandise held for disposition, net 96,807 83,522 98,134 Finance and service charges receivable 27,009 24,362 26,963 Other receivables and prepaid expenses 14,297 15,740 16,292 Deferred tax assets 22,271 21,722 20,204 ---------- -------- ------------ Total current assets 418,050 381,029 409,785 Property and equipment, net 172,785 135,256 161,676 Goodwill 403,886 253,477 306,221 Intangible assets, net 21,423 25,538 23,484 Other assets 7,545 13,024 3,478 ---------- -------- ------------ Total assets $1,023,689 $808,324 $ 904,644 ========== ======== ============ Liabilities and Stockholders' Equity Current liabilities: Accounts payable and accrued expenses $ 62,908 $ 53,808 $ 65,399 Accrued supplemental acquisition payment 56,000 14,250 22,000 Customer deposits 8,673 8,388 7,856 Income taxes currently payable 2,284 994 3,755 Current portion of long-term debt 8,500 16,786 8,500 ---------- -------- ------------ Total current liabilities 138,365 94,226 107,510 Deferred tax liabilities 23,421 13,368 18,584 Other liabilities 2,025 1,589 1,671 Long-term debt 323,146 232,896 280,277 ---------- -------- ------------ Total liabilities 486,957 342,079 408,042 ---------- -------- ------------ Stockholders' 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 162,977 162,620 163,581 Retained earnings 407,086 318,328 363,180 Accumulated other comprehensive (loss) income (1) 8 16 Notes receivable secured by common stock - (18) - Treasury shares, at cost (1,222,742 shares, 683,754 shares and 1,136,203 shares at June 30, 2008 and 2007, and December 31, 2007, respectively) (36,354) (17,717) (33,199) ---------- -------- ------------ Total stockholders' equity 536,732 466,245 496,602 ---------- -------- ------------ Total liabilities and stockholders' equity $1,023,689 $808,324 $ 904,644 ========== ======== ============

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME (in thousands, except per share data) Three Months Ended Six Months Ended June 30, June 30, ----------------------- ------------------ 2008 2007 2008 2007 ------------- -------- -------- -------- (Unaudited) Revenue Finance and service charges $ 43,390 $ 37,194 $ 86,811 $ 75,625 Proceeds from disposition of merchandise 108,089 85,808 224,672 185,976 Cash advance fees 92,849 86,947 178,309 165,463 Check cashing fees, royalties and other 3,651 3,932 9,121 9,689 ------------- -------- -------- -------- Total Revenue 247,979 213,881 498,913 436,753 Cost of Revenue Disposed merchandise 66,741 52,784 138,257 114,709 ------------- -------- -------- -------- Net Revenue 181,238 161,097 360,656 322,044 ------------- -------- -------- -------- Expenses Operations 79,946 75,588 160,077 148,754 Cash advance loss provision 34,733 42,328 61,867 75,076 Administration 21,138 12,248 39,688 25,749 Depreciation and amortization 9,527 7,899 18,658 15,433 ------------- -------- -------- -------- Total Expenses 145,344 138,063 280,290 265,012 ------------- -------- -------- -------- Income from Operations 35,894 23,034 80,366 57,032 Interest expense (3,204) (3,996) (6,713) (7,744) Interest income 76 439 107 857 Foreign currency transaction (loss) gain (68) 14 (72) 58 ------------- -------- -------- -------- Income before Income Taxes 32,698 19,491 73,688 50,203 Provision for income taxes 12,561 6,282 27,740 17,760 ------------- -------- -------- -------- Net Income $ 20,137 $ 13,209 $ 45,948 $ 32,443 ============= ======== ======== ======== Earnings Per Share: Basic $ 0.69 $ 0.44 $ 1.57 $ 1.09 Diluted $ 0.67 $ 0.43 $ 1.53 $ 1.06 Weighted average common shares outstanding: Basic 29,326 29,833 29,348 29,852 Diluted 30,094 30,557 30,103 30,579 Dividends declared per common share $ 0.035 $ 0.035 $ 0.070 $ 0.070

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES FINANCIAL AND OPERATING DATA ($ in thousands unless otherwise noted) Three Months Ended Six Months Ended June 30, June 30, ------------------- ------------------ 2008 2007 2008 2007 -------- -------- ------- -------- PAWN LENDING OPERATIONS: Pawn loans Annualized yield on pawn loans 129.3% 121.7% 131.0% 125.4 % Total amount of pawn loans written and renewed $ 149,347 $129,334 $281,328 $239,956 Average pawn loan balance outstanding $ 135,014 $122,546 $133,239 $121,591 Average pawn loan balance per average location in operation $ 278 $ 256 $ 275 $ 254 Ending pawn loan balance per location in operation $ 292 $ 274 $ 292 $ 274 Average pawn loan amount at end of period (not in thousands) $ 119 $ 105 $ 119 $ 105 Profit margin on disposition of merchandise as a percentage of proceeds from disposition of merchandise 38.3% 38.5% 38.5% 38.3 % Average annualized merchandise turnover 2.8x 2.6x 2.9x 2.8 x Average balance of merchandise held for disposition per average location in operation $ 194 $ 170 $ 198 $ 175 Ending balance of merchandise held for disposition per location in operation $ 199 $ 174 $ 199 $ 174 Pawnshop locations in operation - Beginning of period, owned 485 477 485 475 Acquired 1 2 1 3 Start-ups 1 2 1 3 Combined or closed - (1) - (1) -------- -------- ------- -------- End of period, owned 487 480 487 480 Franchise locations at end of period 14 12 14 12 -------- -------- ------- -------- Total pawnshop locations at end of period 501 492 501 492 ======== ======== ======= ======== Average number of owned pawnshop locations 486 479 485 478 ======== ======== ======= ======== Cash advances (b) Pawn locations offering cash advances at end of period 432 429 432 429 Average number of pawn locations offering cash advances 431 427 431 426 Amount of cash advances written at pawn locations: Funded by the Company $ 14,182 $ 16,761 $ 28,129 $ 32,247 Funded by third-party lenders (a) (d) 37,779 46,891 75,775 91,876 -------- -------- ------- -------- Aggregate amount of cash advances written at pawn locations (a) (f) $ 51,961 $ 63,652 $103,904 $124,123 ======== ======== ======= ======== Number of cash advances written at pawn locations (not in thousands): By the Company 45,595 55,164 90,741 105,432 By third-party lenders (a) (d) 81,309 104,730 161,698 202,856 -------- -------- ------- -------- Aggregate number of cash advances written at pawn locations(a) (f) 126,904 159,894 252,439 308,288 ======== ======== ======= ======== Cash advance customer balances due at pawn locations (gross): Owned by Company (c) $ 7,216 $ 8,137 $ 7,216 $ 8,137 Owned by third-party lenders (a)(d) 7,205 9,183 7,205 9,183 -------- -------- ------- -------- Aggregate cash advance customer balances due at pawn locations (gross) (a)(f) $ 14,421 $ 17,320 $ 14,421 $ 17,320 ======== ======== ======= ========

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES FINANCIAL AND OPERATING DATA (Continued) ($ in thousands unless otherwise noted) Three Months Ended Six Months Ended June 30, June 30, ------------------- ---------------------- 2008 2007 2008 2007 --------- -------- ---------- ---------- CASH ADVANCE OPERATIONS (e): Storefront operations: Amount of cash advances written: Funded by the Company $ 150,004 $177,661 $ 303,066 $ 335,417 Funded by third-party lenders (a) (d) 25,113 27,593 50,677 54,672 --------- -------- ---------- ---------- Aggregate amount of cash advances written (a) (f) $ 175,117 $205,254 $ 353,743 $ 390,089 ========= ======== ========== ========== Number of cash advances written (not in thousands): By the Company 426,605 496,404 845,202 925,355 By third-party lenders (a) (d) 45,347 53,974 91,056 104,337 --------- -------- ---------- ---------- Aggregate number of cash advances written (a) (f) 471,952 550,378 936,258 1,029,692 ========= ======== ========== ========== Cash advance customer balances due (gross): Owned by the Company (c) $ 41,470 $ 51,274 $ 41,470 $ 51,274 Owned by third-party lenders (a) (d) 4,368 5,115 4,368 5,115 --------- -------- ---------- ---------- Aggregate cash advance customer balances due (gross) (a) (f) $ 45,838 $ 56,389 $ 45,838 $ 56,389 ========= ======== ========== ========== Cash advance locations in operation (excluding online lending) - Beginning of period 304 296 304 295 Start-ups - 1 - 3 Combined or closed (12) (1) (12) (2) --------- -------- ---------- ---------- End of period 292 296 292 296 ========= ======== ========== ========== Average number of cash advance locations 300 296 301 295 ========= ======== ========== ========== Internet lending operations: Amount of cash advances written: Funded by the Company $ 188,595 $149,284 $ 348,516 $ 277,778 Funded by third-party lenders (a) (d) 115,185 85,761 213,728 155,785 --------- -------- ---------- ---------- Aggregate amount of cash advances written (a) (f) $ 303,780 $235,045 $ 562,244 $ 433,563 ========= ======== ========== ========== Number of cash advances written (not in thousands): By the Company 441,466 387,209 830,882 716,524 By third-party lenders (a) (d) 175,634 153,954 324,581 281,691 --------- -------- ---------- ---------- Aggregate number of cash advances written (a) (f) 617,100 541,163 1,155,463 998,215 ========= ======== ========== ========== Cash advance customer balances due (gross): Owned by the Company (c) $ 64,207 $ 50,710 $ 64,207 $ 50,710 Owned by third-party lenders (a) (d) 21,187 15,157 21,187 15,157 --------- -------- ---------- ---------- Aggregate cash advance customer balances due (gross) (a) (f) $ 85,394 $ 65,867 $ 85,394 $ 65,867 ========= ======== ========== ========== Number of states with online lending at end of period 33 30 33 30 Number of foreign countries with online lending at end of period 1 - 1 -

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES FINANCIAL AND OPERATING DATA (Continued) ($ in thousands unless otherwise noted) Three Months Ended Six Months Ended June 30, June 30, -------------------- -------------------- 2008 2007 2008 2007 --------- --------- --------- --------- Combined Storefront and Internet lending operations: Amount of cash advances written: Funded by the Company $ 338,599 $ 326,945 $ 651,582 $ 613,195 Funded by third-party lenders (a) (d) 140,298 113,354 264,405 210,457 --------- --------- --------- --------- Aggregate amount of cash advances written (a) (f) $ 478,897 $ 440,299 $ 915,987 $ 823,652 ========= ========= ========= ========= Number of cash advances written (not in thousands): By the Company 868,071 883,613 1,676,084 1,641,879 By third-party lenders (a) (d) 220,981 207,928 415,637 386,028 --------- --------- --------- --------- Aggregate number of cash advances written (a) (f) 1,089,052 1,091,541 2,091,721 2,027,907 ========= ========= ========= ========= Cash advance customer balances due (gross): Owned by the Company (c) $ 105,677 $ 101,984 $ 105,677 $ 101,984 Owned by third-party lenders (a) (d) 25,555 20,272 25,555 20,272 --------- --------- --------- --------- Aggregate cash advance customer balances due (gross) (a) (f) $ 131,232 $ 122,256 $ 131,232 $ 122,256 ========= ========= ========= ========= CONSOLIDATED CASH ADVANCE PRODUCT SUMMARY (a) (b) (e): Amount of cash advances written: Funded by the Company $ 352,781 $ 343,706 $ 679,711 $ 645,442 Funded by third-party lenders (a) (d) 178,077 160,245 340,181 302,333 --------- --------- --------- --------- Aggregate amount of cash advances written (a) (f) $ 530,858 $ 503,951 $1,019,892 $ 947,775 ========= ========= ========= ========= Number of cash advances written (not in thousands): By the Company 913,666 938,777 1,766,825 1,747,311 By third-party lenders (a) (d) 302,290 312,658 577,335 588,884 --------- --------- --------- --------- Aggregate number of cash advances written (a) (f) 1,215,956 1,251,435 2,344,160 2,336,195 ========= ========= ========= ========= Average amount per cash advance written (not in thousands): By the Company $ 386 $ 366 $ 385 $ 369 By third-party lenders (a) (d) 589 513 589 513 --------- --------- --------- --------- Aggregate average amount per cash advance (a) (f) $ 437 $ 403 $ 435 $ 406 ========= ========= ========= ========= Cash advance customer balances due (gross): Owned by the Company (c) $ 112,893 $ 110,121 $ 112,893 $ 110,121 Owned by third-party lenders (a) (d) 32,760 29,455 32,760 29,455 --------- --------- --------- --------- Aggregate cash advance customer balances due (gross) (a) (f) $ 145,653 $ 139,576 $ 145,653 $ 139,576 ========= ========= ========= ========= Total locations offering cash advances at end of period (excluding online lending) 724 725 724 725 Average total locations offering cash advances (excluding online lending) 731 723 732 721 Number of states with online lending at end of period 33 30 33 30 Number of foreign countries with online lending at end of period 1 - 1 -

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES FINANCIAL AND OPERATING DATA (Continued) ($ in thousands unless otherwise noted) Three Months Ended Six Months Ended June 30, June 30, ------------------ ---------------- 2008 2007 2008 2007 --------- ------- ------- ------- CHECK CASHING OPERATIONS (Mr. Payroll): Centers in operation at end of year (not in thousands): Company-owned locations 5 5 5 5 Franchised locations (a) 130 135 130 135 --------- ------- ------- ------- Combined centers in operations at end of year (a) 135 140 135 140 ========= ======= ======= ======= Revenue from Company-owned locations $ 102 $ 113 $ 224 $ 274 Revenue from franchise royalties and other 736 745 1,634 1,724 --------- ------- ------- ------- Total revenue (c) $ 838 $ 858 $ 1,858 $ 1,998 ========= ======= ======= ======= Face amount of checks cashed: Company-owned locations $ 7,542 $ 8,212 $ 15,216 $ 17,822 Franchised locations (a) 310,073 299,800 672,209 667,021 --------- ------- ------- ------- Combined face amount of checks cashed (a) $ 317,615 $308,012 $687,425 $684,843 ========= ======= ======= ======= Fees collected from customers: Company-owned locations $ 102 $ 113 $ 224 $ 274 Franchised locations (a) 4,297 4,130 9,667 9,576 --------- ------- ------- ------- Combined fees collected from customers (a) $ 4,399 $ 4,243 $ 9,891 $ 9,850 ========= ======= ======= ======= Fees as a percentage of checks cashed: Company-owned locations 1.4% 1.4% 1.5% 1.5% Franchised locations (a) 1.4 1.4 1.4 1.4 --------- ------- ------- ------- Combined fees as a percentage of checks cashed (a) 1.4% 1.4% 1.4% 1.4% ========= ======= ======= ======= Average check cashed (not in thousands): Company-owned locations $ 400 $ 383 $ 408 $ 406 Franchised locations (a) 440 413 478 454 --------- ------- ------- ------- Combined average check cashed (a) $ 439 $ 412 $ 476 $ 453 ========= ======= ======= =======

(a) 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. (b) Includes cash advance activities at the Company's pawn lending locations. (c) Amounts recorded in the Company's consolidated financial statements. (d) Cash advances written by third-party lenders that were arranged by the Company on behalf of the third-party lenders, all at the Company's pawn locations, cash advance locations and through the internet distribution channel. (e) Includes cash advance activities at the Company's cash advance storefront locations and through the Company's internet distribution channel. (f) Includes (i) cash advances written by the Company, and (ii) cash advances written by third-party lenders that were 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 distribution channel.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES CONSOLIDATED CASH ADVANCES OUTSTANDING AND RELATED ALLOWANCE FOR LOSSES (in thousands) June 30, ------------------- 2008 2007 --------- -------- Funded by the Company (a) Active cash advances and fees receivable $ 71,590 $ 68,438 Cash advances and fees in collection 29,184 27,167 --------- -------- Total funded by the Company (a) 100,774 95,605 --------- -------- Funded by third-party lenders (b) (c) Active cash advances and fees receivable 32,760 29,461 Cash advances and fees in collection 12,119 14,510 --------- -------- Total funded by third- party lenders (b) (c) 44,879 43,971 --------- -------- Combined gross portfolio (b) (d) 145,653 139,576 Less: Elimination of cash advances owned by third- party lenders 32,760 29,455 --------- -------- Company-owned cash advances and fees receivable, gross 112,893 110,121 Less: Allowance for losses 27,401 32,173 --------- -------- Cash advances and fees receivable, net $ 85,492 $ 77,948 ========= ======== Three Months Ended Six Months Ended June 30, June 30, ------------------- ------------------ 2008 2007 2008 2007 --------- -------- -------- -------- Allowance for company-owned cash advances Balance at beginning of period $ 20,815 $ 23,141 $ 25,676 $ 19,513 Cash advance loss provision 34,412 41,758 61,386 74,406 Charge-offs (34,859) (36,338) (75,681) (68,850) Recoveries 7,033 3,612 16,020 7,104 --------- -------- -------- -------- Balance at end of period $ 27,401 $ 32,173 $ 27,401 $ 32,173 ========= ======== ======== ======== Accrual for third-party lender-owned cash advances Balance at beginning of period $ 1,988 $ 1,253 $ 1,828 $ 1,153 Increase in loss provision 321 570 481 670 --------- -------- -------- -------- Balance at end of period $ 2,309 $ 1,823 $ 2,309 $ 1,823 ========= ======== ======== ======== Combined statistics (d) Combined cash advance loss provision $ 34,733 $ 42,328 $ 61,867 $ 75,076 ========= ======== ======== ======== Combined cash advance loss provision as a % of combined cash advances written (b) 6.5% 8.4% 6.1% 7.9% ========= ======== ======== ======== Charge-offs (net of recoveries) as a % of combined cash advances written (b) 5.2% 6.5% 5.8% 6.5% ========= ======== ======== ======== Combined allowance for losses and accrued third- party lender losses as a % of combined gross portfolio (b) 20.4% 24.4% 21.3% 24.4% ========= ======== ======== ========

(a) Cash advances written by the Company for its own account in pawn locations, 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. (c) Cash advances written by third-party lenders that were arranged by the Company on behalf of the third-party lenders, all at the Company's pawn locations, cash advance locations and through the internet distribution channel. (d) Includes (i) cash advances written by the Company, and (ii) cash advances written by third-party lenders that were 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 distribution channel.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INCOME FROM OPERATIONS BY OPERATING SEGMENT THREE MONTHS ENDED JUNE 30, 2008 AND 2007 (in thousands) Cash Advance Check Pawn Lending (1) Cashing Consolidated ------------ -------- -------- ------------ Three months ended June 30, 2008: ---------------------- Revenue Finance and service charges $ 43,390 $ - $ - $ 43,390 Proceeds from disposition of merchandise 108,089 - - 108,089 Cash advance fees 8,645 84,204 - 92,849 Check cashing fees, royalties and other 985 1,828 838 3,651 ------------ -------- -------- ------------ Total revenue 161,109 86,032 838 247,979 Cost of revenue - disposed merchandise 66,741 - - 66,741 ------------ -------- -------- ------------ Net revenue 94,368 86,032 838 181,238 ------------ -------- -------- ------------ Expenses Operations 51,910 27,727 309 79,946 Cash advance loss provision 2,677 32,056 - 34,733 Administration 11,465 9,338 335 21,138 Depreciation and amortization 5,939 3,527 61 9,527 ------------ -------- -------- ------------ Total expenses 71,991 72,648 705 145,344 ------------ -------- -------- ------------ Income from operations $ 22,377 $ 13,384 $ 133 $ 35,894 ============ ======== ======== ============ As of June 30, 2008: ---------------------- Total assets $ 610,568 $ 406,255 $ 6,866 $ 1,023,689 ============ ======== ======== ============ Goodwill $ 144,003 $ 254,573 $ 5,310 $ 403,886 ============ ======== ======== ============ Three months ended June 30, 2007: ---------------------- Revenue Finance and service charges $ 37,194 $ - $ - $ 37,194 Proceeds from disposition of merchandise 85,808 - - 85,808 Cash advance fees 9,990 76,957 - 86,947 Check cashing fees, royalties and other 810 2,264 858 3,932 ------------ -------- -------- ------------ Total revenue 133,802 79,221 858 213,881 Cost of revenue - disposed merchandise 52,784 - - 52,784 ------------ -------- -------- ------------ Net revenue 81,018 79,221 858 161,097 ------------ -------- -------- ------------ Expenses Operations 47,560 27,670 358 75,588 Cash advance loss provision 3,725 38,603 - 42,328 Administration 6,008 5,992 248 12,248 Depreciation and amortization 5,127 2,671 101 7,899 ------------ -------- -------- ------------ Total expenses 62,420 74,936 707 138,063 ------------ -------- -------- ------------ Income from operations $ 18,598 $ 4,285 $ 151 $ 23,034 ============ ======== ======== ============ As of June 30, 2007: ---------------------- Total assets $ 557,180 $ 244,149 $ 6,995 $ 808,324 ============ ======== ======== ============ Goodwill $ 142,590 $ 105,577 $ 5,310 $ 253,477 ============ ======== ======== ============

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INCOME FROM OPERATIONS BY OPERATING SEGMENT SIX MONTHS ENDED JUNE 30, 2008 AND 2007 (in thousands) Cash Advance Check Pawn Lending (1) Cashing Consolidated ------------ -------- -------- ------------ Six months ended June 30, 2008: ---------------------- Revenue Finance and service charges $ 86,811 $ - $ - $ 86,811 Proceeds from disposition of merchandise 224,672 - - 224,672 Cash advance fees 17,930 160,379 - 178,309 Check cashing fees, royalties and other 1,998 5,265 1,858 9,121 ------------ -------- -------- ------------ Total revenue 331,411 165,644 1,858 498,913 Cost of revenue - disposed merchandise 138,257 - - 138,257 ------------ -------- -------- ------------ Net revenue 193,154 165,644 1,858 360,656 ------------ -------- -------- ------------ Expenses Operations 105,227 54,158 692 160,077 Cash advance loss provision 4,942 56,925 - 61,867 Administration 22,731 16,409 548 39,688 Depreciation and amortization 11,530 7,003 125 18,658 ------------ -------- -------- ------------ Total expenses 144,430 134,495 1,365 280,290 ------------ -------- -------- ------------ Income from operations $ 48,724 $ 31,149 $ 493 $ 80,366 ============ ======== ======== ============ Six months ended June 30, 2007: ---------------------- Revenue Finance and service charges $ 75,625 $ - $ - $ 75,625 Proceeds from disposition of merchandise 185,976 - - 185,976 Cash advance fees 20,110 145,353 - 165,463 Check cashing fees, royalties and other 1,740 5,951 1,998 9,689 ------------ -------- -------- ------------ Total revenue 283,451 151,304 1,998 436,753 Cost of revenue - disposed merchandise 114,709 - - 114,709 ------------ -------- -------- ------------ Net revenue 168,742 151,304 1,998 322,044 ------------ -------- -------- ------------ Expenses Operations 95,476 52,613 665 148,754 Cash advance loss provision 6,569 68,507 - 75,076 Administration 14,530 10,694 525 25,749 Depreciation and amortization 10,134 5,097 202 15,433 ------------ -------- -------- ------------ Total expenses 126,709 136,911 1,392 265,012 ------------ -------- -------- ------------ Income from operations $ 42,033 $ 14,393 $ 606 $ 57,032 ============ ======== ======== ============

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INCOME FROM OPERATIONS BY OPERATING SEGMENT THREE MONTHS ENDED JUNE 30, 2008 AND 2007 (in thousands) (1) The Cash Advance segment is comprised of two distribution channels for the same product, a multi-unit, "storefront" platform and an on- line, internet based lending platform. The following table summarizes the results from each channel's contributions to the Cash Advance segment as of June 30, 2008 and 2007: Internet Total Cash Storefront Lending Advance ---------- -------- ---------- Three months ended June 30, 2008: ------------------------------------ Revenue Cash advance fees $ 27,427 $ 56,777 $ 84,204 Check cashing fees, royalties and other 1,824 4 1,828 ---------- -------- ---------- Total revenue 29,251 56,781 86,032 ---------- -------- ---------- Expenses Operations 16,993 10,734 27,727 Cash advance loss provision 6,664 25,392 32,056 Administration 2,939 6,399 9,338 Depreciation and amortization 2,380 1,147 3,527 ---------- -------- ---------- Total expenses 28,976 43,672 72,648 ---------- -------- ---------- Income from operations $ 275 $ 13,109 $ 13,384 ========== ======== ========== Three months ended June 30, 2007: ------------------------------------ Revenue Cash advance fees $ 31,250 $ 45,707 $ 76,957 Check cashing fees, royalties and other 2,261 3 2,264 ---------- -------- ---------- Total revenue 33,511 45,710 79,221 ---------- -------- ---------- Expenses Operations 17,435 10,235 27,670 Cash advance loss provision 9,899 28,704 38,603 Administration 2,850 3,142 5,992 Depreciation and amortization 1,969 702 2,671 ---------- -------- ---------- Total expenses 32,153 42,783 74,936 ---------- -------- ---------- Income from operations $ 1,358 $ 2,927 $ 4,285 ========== ======== ==========

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INCOME FROM OPERATIONS BY OPERATING SEGMENT SIX MONTHS ENDED JUNE 30, 2008 AND 2007 (in thousands) Internet Total Cash Six Months Ended June 30, 2008: Storefront Lending Advance ------------------------------------ ---------- -------- ---------- Revenue Cash advance fees $ 56,120 $ 104,259 $ 160,379 Check cashing fees, royalties and other 5,261 4 5,265 ---------- -------- ---------- Total revenue 61,381 104,263 165,644 ---------- -------- ---------- Expenses Operations 33,874 20,284 54,158 Cash advance loss provision 11,010 45,915 56,925 Administration 5,341 11,068 16,409 Depreciation and amortization 4,805 2,198 7,003 ---------- -------- ---------- Total expenses 55,030 79,465 134,495 ---------- -------- ---------- Income from operations $ 6,351 $ 24,798 $ 31,149 ========== ======== ========== Six Months Ended June 30, 2007: ------------------------------------ Revenue Cash advance fees $ 60,991 $ 84,362 $ 145,353 Check cashing fees, royalties and other 5,946 5 5,951 ---------- -------- ---------- Total revenue 66,937 84,367 151,304 Expenses Operations 33,345 19,268 52,613 Cash advance loss provision 17,131 51,376 68,507 Administration 5,155 5,539 10,694 Depreciation and amortization 3,852 1,245 5,097 ---------- -------- ---------- Total expenses 59,483 77,428 136,911 ---------- -------- ---------- Income from operations $ 7,454 $ 6,939 $ 14,393 ========== ======== ==========

SOURCE: Cash America International, Inc.

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