Cash America 2014 Annual Report Download - page 13

“Creazione Deduction” means a recognized income tax benefit related to a tax deduction included on the
Company’s 2013 federal income tax return for its tax basis in the stock of Creazione.
“Credit Agreement” means the credit agreement entered into on March 30, 2011, and later amended, between the
Company and its domestic subsidiaries as guarantors and a syndicate of financial institutions as lenders.
“CSO” means credit services organization or credit access business.
“CSO fees” means fees for services provided through the CSO programs.
“CSO loans” means loans that are arranged for consumers with independent, third-party CSO lenders.
“CSO programs” means the programs through which the Company provides services related to a third-party
lender’s consumer loan products by acting as a credit services organization or credit access business.
“Director Deferred Shares” means shares of common stock of the Company that may become deliverable to
certain directors who have elected to defer a portion of their director fees to be paid in the form of common stock of
the Company.
“Dodd-Frank Act” means the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.
“Domestic and Multi-currency Line of Credit” means a domestic and multi-currency line of credit, due March
31, 2018, totaling $280.0 million permitting revolving credit loans, including a multi-currency subfacility that gives
the Company the ability to borrow up to $50.0 million that may be in specified foreign currencies, all as provided
by, and subject to, the terms and conditions of the Credit Agreement.
“Empeños” means CA Empeños Mexico, S. de R.L. de C.V.
“Enova” means Enova International, Inc.
“Enova Note Receivable” means the Company’s note receivable from Enova that was paid in full and terminated
in May 2014. Amounts associated with this note receivable were intercompany-related receivables in the
Company’s previously-filed consolidated financial statements.
“Enova Spin-off” means the distribution of approximately 80% of the outstanding shares of Enova common stock,
which previously comprised the Company’s e-commerce segment, to the Company’s shareholders on November 13,
2014.
“Exchange Act” means the Securities Exchange Act of 1934.
“FASB” means the Financial Accounting Standards Board.
“FTC” means the Federal Trade Commission.
“GAAP” means generally accepted accounting principles in the U.S.
“Guarantors” means the Company’s domestic subsidiaries and one of its foreign subsidiaries that guarantee the
2018 Senior Notes, as defined below.
“Huminal” means Huminal, S.A. de C.V., a Mexican sociedad anónima de capital variable.
“IRS” means the Internal Revenue Service.
“LC Agreement” means the Standby Letter of Credit Agreement associated with the Company’s Letter of Credit
Facility.
“Letter of Credit Facility” means the facility under which $20.0 million in letters of credit may be issued. The
facility is guaranteed by the Company’s domestic subsidiaries and matures on March 31, 2018.
“LIBOR” means the London Interbank Offered Rate.
“Material Adverse Effect” means a material adverse effect on the Company’s business, prospects, results of
operations, reputation, financial condition, cash flows or ability to continue current operations without any direct or
indirect impairment or disruption.
“Mexico Reorganization” means the reorganization of the Company’s Mexico-based pawn operations in 2012 to
include only 47 full-service pawn locations and discontinuation of the operations of 148 of its Mexico-based pawn
locations.
“Nonqualified Savings Plan” means the Cash America International, Inc. Nonqualified Savings Plan, as amended
and restated on January 1, 2009 and further amended on October 1, 2010 and January 28, 2012.
“Ohio Adjustment” means the adjustment of $5.0 million to decrease the Company’s remaining liability related to
the Ohio Reimbursement Program, as defined below, after the assessment of the claims made since the inception of
the Ohio Reimbursement Program and related matters was made. The Company made this adjustment in 2013.
“Ohio Reimbursement Program” means a voluntary program to reimburse Ohio customers initiated by the
Company in 2012 in connection with legal collections proceedings initiated by the Company in Ohio from
January 1, 2008 through December 4, 2014.
“Other Debt Action” means any acceleration or demand for acceleration, repayment, redemption or repurchase of
or any default or event of default under the 2018 Senior Notes or the related indenture.
“Parent Company” means Cash America International, Inc.