Cash America 2012 Annual Report Download - page 27

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orders, wire transfers, prepaid debit cards, tax filing services and auto insurance. Most of these ancillary services are
provided through third-party vendors.
The Company has two reportable operating segments: retail services and e-commerce. The retail services
segment includes all of the operations of the Company’s Retail Services Division, which is composed of both domestic
and foreign storefront locations that offer some or all of the following services: pawn loans, consumer loans, the
purchase and sale of merchandise, check cashing and other ancillary services such as money orders, wire transfers,
prepaid debit cards, tax filing services and auto insurance. Most of these ancillary services offered in the retail services
segment are provided through third-party vendors. See “Recent Developments―Business Developments—
Reorganization of Mexico-based Pawn Operations and Purchase of Noncontrolling Interest” section below for
information related to the reorganization of the Company’s Mexico-based pawn operations during 2012, which are
included in the retail services segment. The e-commerce segment includes the operations of the Company’s E-
Commerce Division, which is composed of the Company’s domestic and foreign online lending channels through which
the Company offers consumer loans.
Retail Services Segment
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 December 31,
2012, 2011 and 2010. The Company’s domestic retail services locations operate under the names “Cash America Pawn,”
“SuperPawn,” “Cash America Payday Advance,” “Cashland” and “Mr. Payroll.” In addition, certain recently acquired
domestic retail services locations operate under various names that are expected to be changed to “Cash America Pawn”
or “SuperPawn” during 2013. In January 2013, the Company’s foreign retail services locations began operating
exclusively under the name “Cash America casa de empeño” (and previously operated under the name “Prenda Fácil”).
As of December 31,
2012 2011 2010
Domestic(a) Foreign Total Domestic(a)(b) Foreign Total Domestic(a)(b) Foreign Total
Retail services locations offering:
Both pawn and consumer
lending 581 - 581 572 - 572 567 - 567
Pawn lending only 167 47 214 126 190 316 124 180 304
Consumer lending only 83 - 83 86 - 86 88 - 88
Other (c) 91 - 91 110 - 110 122 - 122
Total retail services 922 47 969 894 190 1,084 901 180 1,081
(
a
)
Except as described in (c) below, includes locations that operate in 22 states in the United States as of December 31, 2012, and 23 states as
of both December 31, 2011 and 2010. In 2011, includes five retail services locations that the Company operated under management
agreements with a former franchisee.
(b)
Includes unconsolidated franchised locations as follows: one location operating under the name “Cash America Pawn” as of December
31, 2011, and nine locations operating under the names “Cash America Pawn” and SuperPawn” as of December 31, 2010.
(
c
)
As of December 31, 2012, 2011 and 2010, includes zero, six and six consolidated Company-owned check cashing locations and 91, 104
and 116 unconsolidated franchised check cashing locations, respectively. As of December 31, 2012, 2011 and 2010, includes locations
that operate in 15, 18 and 17 states in the United States, respectively.