Cash America 2012 Annual Report Download - page 36

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Financial Information on Segments and Areas
Additional financial information regarding the Company’s operating segments and each of the geographic areas
in which the Company does business is provided in “Item 8. Financial Statements and Supplementary Data—Note 21.”
Operations
The executive officers of the Company, with the advice and oversight of the Company’s Board of Directors, are
responsible for establishing and maintaining the strategic direction of the Company, as well as assessing the Company’s
activities related to corporate goals and objectives. The Company’s executive officers include the Chief Executive
Officer, the Chief Financial Officer, the General Counsel, the President of the Retail Services Division and the Chief
Executive Officer of the E-Commerce Division (or Enova). The President of the E-Commerce Division is also an
executive officer, but he has announced that he will step down from this position on March 29, 2013. The Company
does not currently expect to replace its E-Commerce Division President. See “Recent Developments—Business
Developments—Newly Appointed Chief Executive Officer of the E-Commerce Division” for additional information
about the recent appointment of the Chief Executive Officer of the E-Commerce Division.
The Company’s domestic and foreign retail services locations have store managers who are responsible for
supervising each retail services location’s personnel and assuring that each retail services location is managed in
accordance with Company guidelines, policies and procedures. A Market Manager or Area Coordinator, who reports to
a Regional Operations Director, manages each store manager. Each domestic Regional Operations Director is
responsible for a portion of each domestic region and reports to a Region Vice President. Four Region Vice Presidents
coordinate operations and strategy in the Company’s domestic retail services locations and report to the Senior Vice
President of Operations of the Retail Services Division, who reports to the President of the Retail Services Division. The
foreign Regional Operations Director reports to the Senior Vice President of International Operations who reports to the
President of the Retail Services Division and are responsible for the foreign retail services operations.
The operations and strategy of the Company’s E-Commerce Division, which offers consumer loan products, is
coordinated by the officers of the Company’s online lending business, Enova, including Vice Presidents, Senior Vice
Presidents, and until March 29, 2013, a President, who report to the Chief Executive Officer of the E-Commerce
Division.
Tradenames and Trademarks
The Company operates under the trade names “Cash America Pawn,” “Cash America Payday Advance,”
“Cashland,” “Mr. Payroll,” “SuperPawn,” “Cash America casa de empeño,” “CashNetUSA,” “NetCredit,”
“QuickQuid,” “DollarsDirect,” “Pounds to Pocket” and “Debit Plus.” The Company has a number of trademarks that are
registered under applicable trademark laws including, but not limited to, “Cash America,” “Cashland,” “SuperPawn,”
“CashNetUSA,” “Mr. Payroll,” “QuickQuid,” “DollarsDirect,” “Pounds to Pocket,” “NetCredit,” “Enova Financial”
and Enova’s “e” logo. These trademarks have varying expiration dates. The Company believes these trademarks are of
material importance to the Company and each of its segments and anticipates maintaining and renewing them. In
addition, the Company has various other trademark applications pending in the United States and other countries in
which it operates.
Franchises
Each of the Company’s unconsolidated franchised check cashing locations is subject to franchise agreements
that have varying durations that are negotiated individually with each franchisee. As of December 31, 2012, the
Company had 91 unconsolidated franchised check cashing locations, and the revenue from these franchised locations
was immaterial to the Company on a consolidated basis.