Document:

Form of Supplemental Executive Retirement Plan

 Exhibit 10.13 
 ENOVA INTERNATIONAL, INC. 
 SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN

 EFFECTIVE JANUARY 1, 2012 

 ENOVA INTERNATIONAL, INC. 

SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN 
 Effective as of the 1st day of January, 2012, Enova International, Inc. (the “Controlling Company”), hereby establishes the Enova International, Inc. Supplemental Executive Retirement Plan as
set forth herein (the “Plan”). 
 BACKGROUND AND PURPOSE 

A. Goal. The Controlling Company desires to provide certain of its designated key management employees (and those of its
affiliated companies that participate in the Plan) with such amounts of deferred compensation as the terms of the Plan may permit and as the Controlling Company may determine. 
 B. Purpose. The purpose of the Plan document is to set forth the terms and conditions pursuant to which these awards of deferred compensation may be made and to describe the nature and
extent of the employees’ rights to such amounts. 
 C. Type of Plan. The Plan constitutes an unfunded,
nonqualified deferred compensation plan that benefits certain designated employees who are within a select group of key management or highly compensated employees. It is intended that this Plan comply with the requirements of Section 409A of
the Internal Revenue Code of 1986, as amended. 
 STATEMENT OF AGREEMENT 

To establish the Plan with the purposes and goals as hereinabove described, the Controlling Company hereby sets forth the terms and
provisions of the Plan as follows: 
 ARTICLE I 
 DEFINITIONS 
 For purposes of the Plan, the following terms, when
used with an initial capital letter, will have the meaning set forth below unless a different meaning plainly is required by the context. 
 1.1 Account means, with respect to a Participant or Beneficiary, the total dollar amount or value evidenced by the last balance posted and actually credited in accordance with the
terms of the Plan to the account record established for such Participant or Beneficiary. As determined by the Administrative Committee, an Account may be subdivided into separate subaccounts. 

1.2 Active Participant means any Discretionary-Eligible Employee or Supplemental-Eligible Employee, as applicable,
who has become a Participant and who has not been removed from active participation in the Plan as described in Section 2.3. 

  
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 1.3 Administrative Committee means the administrative committee of the Savings
Plan, or such other committee as will be appointed by the Board, which will act on behalf of the Controlling Company to administer the Plan, as provided for in Article VIII. 

1.4 Affiliate means any entity that is required to be aggregated with the Controlling Company under Code
Sections 414(b) or (c). 
 1.5 Beneficiary means, with respect to a Participant, the person(s) designated or
identified in accordance with Section 10.1 to receive any death benefits that may be payable under the Plan upon the death of the Participant. 
 1.6 Board means the Board of Directors of the Controlling Company. 

1.7 Cash America SERP means the Cash America International, Inc. Supplemental Executive Retirement Plan. 

1.8 Change in Control means an event that is a change in the ownership of the Controlling Company, a change in the
effective control of the Controlling Company or a change in the ownership of a substantial portion of the assets of the Controlling Company, all as defined in Code Section 409A and guidance issued thereunder. As a general overview, a Change in
Control will occur on the date that any of the following events occurs: 
 (i) Any one person, or more than one person acting as
a group (as defined in Code Section 409A), acquires ownership of Controlling Company stock that, together with all other Controlling Company stock held by such person or group, constitutes more than 50 percent of the total fair market value or
total voting power of the stock of the Controlling Company. However, if any one person, or more than one person acting as a group, is considered to own more than 50 percent of the total fair market value or total voting power of the stock of the
Controlling Company, the acquisition of additional stock by the same person or persons is not considered to cause a change in the ownership of the Controlling Company or to cause a change in the effective control of the Controlling Company.

 (ii) The date any one person, or more than one person acting as a group, acquires (or has acquired, during the 12-month
period ending on the date of the most recent acquisition by such person or persons) ownership of stock of the Controlling Company possessing 30 percent or more of the total voting power of the stock of the Controlling Company. 

(iii) The date that any one person, or more than one person acting as a group, acquires (or has acquired during the 12-month period
ending on the date of the most recent acquisition by such person or persons) assets from the Controlling Company that have a total gross fair market value equal to or more than 40 percent of the total gross fair market value of all of the assets of
the Controlling Company immediately before such acquisition or acquisitions. 
 (iv) The date a majority of the Controlling
Company’s board of directors is replaced during any 12-month period by directors whose appointment or election is not endorsed by a majority of the members of the Controlling Company’s board of directors before the date of the appointment
or election. 

  
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 Notwithstanding the foregoing provisions, neither a change in ownership under clause (i) nor a change
in effective control under clause (ii) shall be considered to have occurred as a result of any acquisition or disposition of the Controlling Company’s stock by, or an increase in the percentage of the Controlling Company’s stock owned
by, Cash America International, Inc. or any entity required to be aggregated with Cash America International, Inc. under Code Sections 414(b) or 414(c). For clarification purposes and without limiting the foregoing, the acquisition of the
Controlling Company’s stock in a public offering shall not result in a Change-in-Control unless required by Code Section 409A. 
 1.9 Code means the Internal Revenue Code of 1986, as amended, and any succeeding federal tax provisions. 
 1.10 Company means the Controlling Company and any of its U.S.-based subsidiaries except any such subsidiaries that affirmatively elect not to participate in the Plan or that the Controlling
Company affirmatively designates as not eligible to participate in the Plan. 
 1.11 Compensation means, for a
Participant for any Plan Year, the total of (i) such Participant’s base salary earned for such Plan Year, plus (ii) the lesser of the amount of his targeted or actual annual cash bonus that was paid during such Plan Year and earned in
the preceding Plan Year, under a plan adopted by the Company, which bonus is determined and payable on an annual basis; provided, the amount in (ii) will be deemed earned during the Plan Year in which paid and prorated over each payroll period
in such Plan Year. 
 1.12 Compensation Committee means the Management Development and Compensation Committee of
the Board. 
 1.13 Controlling Company means Enova International, Inc., a Delaware corporation with its principal
place of business in Chicago, Illinois. 
 1.14 Discretionary-Eligible Employee means, for a Plan Year, an
employee who is a member of a select group of key management or highly compensated employees who is selected by the Controlling Company as eligible to receive Discretionary Contributions under the Plan. 

1.15 Discretionary Contributions means the amount (if any) credited to a Participant’s Account pursuant to
Section 3.3. 
 1.16 Effective Date means January 1, 2012. 

1.17 Eligible Employee means an individual who is a Discretionary-Eligible Employee or a Supplemental-Eligible Employee.

 1.18 ERISA means the Employee Retirement Income Security Act of 1974, as amended. 

1.19 FICA Tax means the Federal Insurance Contributions Act tax imposed under Code Sections 3101, 3121(a) and 3121(v)(2).

 1.20 Financial Hardship means a severe financial hardship to the Participant resulting from a sudden and
unexpected illness or accident of the Participant or the Participant’s dependent (as defined in Code Section 152(a)), loss of the Participant’s property due to casualty, or other similar extraordinary and unforeseeable circumstances
arising as a result of events beyond the control of the Participant. Financial Hardship will be determined by the 

  
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Administrative Committee on the basis of the facts of each case, including information supplied by the Participant in accordance with uniform guidelines prescribed from time to time by the
Administrative Committee; provided, the Participant will be deemed not to have a Financial Hardship to the extent that such hardship is or may be relieved: 
 (a) Through reimbursement or compensation by insurance or otherwise; 
 (b) By
liquidation of the Participant’s assets, to the extent the liquidation of assets would not itself cause severe financial hardship; or 
 (c) By cessation of deferrals under a Company plan. 
 Examples of what are not considered to be
unforeseeable emergencies include the need to send a Participant’s child to college or the desire to purchase a home. 

1.21 Investment Election means a written, electronic or other form of election pursuant to which a Participant may elect
the Investment Funds in which the amounts credited to his Account will be deemed to be invested. 
 1.22 Investment
Funds means the investment funds selected from time to time by the Administrative Committee for purposes of determining the rate of return on amounts deemed invested pursuant to the terms of the Plan. 

1.23 Key Employee means a Participant who is a “specified employee” as defined in Code Section 409A as of:
(i) for a Participant who Separates from Service on or after the first day of a calendar year and before the first day of the fourth month of such calendar year, the December 31 of the second calendar year preceding the calendar year in
which such Participant Separates from Service; or (ii) for any other Participant, the preceding December 31. Notwithstanding the foregoing, a Participant who Separates from Service prior to April 1, 2012, will be a Key Employee if
such Participant was a specified employee as determined under the Cash America SERP immediately prior to the closing of the Controlling Company’s initial public offering of shares of its common stock. For purposes of identifying Key Employees,
the Participant’s compensation will mean all of the items listed in Treasury Regulations Section 1.415(c)-2(b), and excluding all of the items listed in Treasury Regulations Section 1.415(c)-2(c). 

1.24 Payment Date means the date on which all or a portion of the Participant’s benefit is scheduled to be paid (in
the case of a lump sum payment) or commenced (in the case of installment payments) pursuant to the terms of the Plan. 
 1.25
Participant means any person who has been admitted to, and has not been removed from, participation in the Plan pursuant to the provisions of Article II. 
 1.26 Plan means the Enova International, Inc. Supplemental Executive Retirement Plan, as contained herein and all amendments hereto. For tax purposes and purposes of Title I of ERISA, the
Plan is intended to be an unfunded, nonqualified deferred compensation plan covering certain designated employees who are within a select group of key management or highly compensated employees. 

  
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 1.27 Plan Year means the 12-consecutive-month period ending on
December 31 of each year. 
 1.28 Savings Plan means the defined contribution retirement plan intended to be
qualified under Code Sections 401(a) and 401(k) that is maintained by the Controlling Company. 
 1.29 Separate from
Service or Separation from Service means that a Participant separates from service with the Affiliates as defined in Code Section 409A and guidance issued thereunder. Generally, a Participant separates from service if the
Participant dies, retires, or otherwise has a termination of employment with the Affiliate that employs the Participant and all entities that would be treated as a single employer with such Affiliate under Code Sections 414(b) or (c), but
substituting “at least 50 percent” instead of “at least 80 percent” each place it appears in applying such rules, determined in accordance with the following: 

(a) Leaves of Absence. The employment relationship is treated as continuing intact while the Participant is on military
leave, sick leave, or other bona fide leave of absence if the period of such leave does not exceed 6 months, or, if longer, so long as the Participant retains a right to reemployment with the Affiliates under an applicable statute or by contract. A
leave of absence constitutes a bona fide leave of absence only while there is a reasonable expectation that the Participant will return to perform services for the Affiliates. If the period of leave exceeds 6 months and the Participant does not
retain a right to reemployment under an applicable statute or by contract, the employment relationship is deemed to terminate on the first date immediately following such 6-month period. Notwithstanding the foregoing, where a leave of absence is due
to any medically determinable physical or mental impairment that can be expected to result in death or can be expected to last for a continuous period of not less than 6 months, where such impairment causes the Participant to be unable to perform
the duties of his position of employment or any substantially similar position of employment, a 29-month period of absence will be substituted for such 6-month period. 
 (b) Status Change. Generally, if a Participant performs services both as an employee and an independent contractor, such Participant must separate from service both as an employee, and as an
independent contractor pursuant to standards set forth in Treasury Regulations, to be treated as having a Separation from Service. However, if a Participant provides services as an employee and as a member of the Board of Directors, the services
provided as a director are not taken into account in determining whether the Participant has a Separation from Service as an employee for purposes of this Plan. 
 (c) Termination of Employment. Whether a termination of employment has occurred for purposes of this section is determined based on whether the facts and circumstances indicate that the
Affiliates and the Participant reasonably anticipate that (i) no further services will be performed after a certain date, or (ii) the level of bona fide services the Participant will perform after such date (whether as an employee or as an
independent contractor) will permanently decrease to no more than 20 percent of the average level of bona fide services performed (whether as an employee or an independent contractor) over the immediately preceding 36-month period (or the full
period of services to the Affiliates if the Participant has been providing services to the Affiliates less than 36 months). Facts and circumstances to be 

  
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considered in making this determination include, but are not limited to, whether the Participant continues to be treated as an employee for other purposes (such as continuation of salary and
participation in employee benefit programs), whether similarly situated service providers have been treated consistently, and whether the Participant is permitted, and realistically available, to perform services for other service recipients in the
same line of business. For periods during which a Participant is on a paid bona fide leave of absence and has not otherwise terminated employment as described in subsection (a) above, for purposes of this subsection the Participant is treated
as providing bona fide services at a level equal to the level of services that the Participant would have been required to perform to receive the compensation paid with respect to such leave of absence. Periods during which a Participant is on an
unpaid bona fide leave of absence and has not otherwise terminated employment are disregarded for purposes of this subsection (including for purposes of determining the applicable 36-month (or shorter) period). 

1.30 Supplemental-Eligible Employee means an individual who at any time during the Plan Year holds the position of Senior
Director or any more senior position with the Company (and thereby is a member of a select group of key management or highly compensated employees of the Company); provided, such individual will be or become a Supplemental-Eligible Employee on the
date such criterion is first satisfied during such Plan Year. Notwithstanding the foregoing, “Supplemental Eligible Employee” does not include an individual for any portion of a Plan Year during which the individual is seconded to the
Company and is not entitled to participate in Company retirement plans under the applicable secondment agreement. 
 1.31
Supplemental Contributions means the amount credited to a Participant’s Account pursuant to Section 3.2. 

1.32 Surviving Spouse means, with respect to a Participant, the person who is treated as married to such Participant under
the laws of the state in which the Participant resides. The determination of a Participant’s Surviving Spouse will be made as of the date of such Participant’s death. 

1.33 Trust or Trust Agreement means the separate agreement or agreements between the Controlling Company and the Trustee
governing the Trust Fund, and all amendments thereto. 
 1.34 Trust Fund means the total amount of cash and other
property held by the Trustee (or any nominee thereof) at any time under the Trust Agreement. 
 1.35 Trustee means
the party or parties so designated from time to time pursuant to the terms of the Trust Agreement. 
 1.36 Valuation
Date means each day on which the Trustee operates, and is open to the public, for its business; provided, the value of an Account on a day other than a Valuation Date will be the value determined as of the immediately preceding Valuation
Date. 
 1.37 Years of Service means, with respect to a Participant, his total number of years of vesting service
as determined under the terms of the Savings Plan. A Participant’s continuous uninterrupted prior years of service with Cash America International, Inc. or any of its affiliates or subsidiaries during the period immediately preceding the
Effective Date will be counted towards a Participant’s Years of Service under this Plan. 

  
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 ARTICLE II 
 ELIGIBILITY AND PARTICIPATION 
 2.1 Initial Eligibility
Requirements. 
 (a) Supplemental Contributions. Each individual who becomes a Supplemental-Eligible
Employee on or after the Effective Date will become eligible to receive Supplemental Contributions as of the date that such individual becomes a Supplemental-Eligible Employee. 

(b) Discretionary Contributions. Each individual who becomes a Discretionary-Eligible Employee on or after the Effective
Date will become eligible to receive Discretionary Contributions as of the date that such individual becomes a Discretionary-Eligible Employee. 
 2.2 Procedure for Admission. 
 The Administrative Committee may
require an Eligible Employee to complete such forms and provide such data as the Administrative Committee determines in its sole discretion. Such forms and data may include, without limitation, the Eligible Employee’s acceptance of the terms
and conditions of the Plan and the designation of a Beneficiary to receive any death benefits payable hereunder. 
 2.3
Cessation of Eligibility. 
 Unless otherwise designated by the Controlling Company, in its sole discretion, each
Participant who ceases to be an active Discretionary-Eligible Employee or Supplemental-Eligible Employee will cease to be eligible to receive any Discretionary and/or Supplemental Contributions, respectively, under the Plan for any period following
such date. The Controlling Company may, in its sole discretion, remove an employee from active participation in the Plan as of the first day of the following Plan Year (or any other date specified by the Controlling Company), if, as of any day
during a Plan Year, he ceases to satisfy the criteria which qualified him as an Eligible Employee. Even if his active participation in the Plan ends, an employee will remain an inactive Participant in the Plan until the earlier of (i) the date
the full amount of his vested Account (if any) is distributed from the Plan, or (ii) the date he again becomes an Eligible Employee and recommences active participation in the Plan. During the period of time that an employee is an inactive
Participant in the Plan, his vested Account will continue to be credited with earnings as provided for in Section 3.5. 

  
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 ARTICLE III 
 PARTICIPANTS’ ACCOUNTS AND CREDITING OF CONTRIBUTIONS 
 3.1
Participants’ Accounts. 
 (a) Establishment of Accounts. The Administrative Committee will
establish and maintain an Account on behalf of each Participant. To the extent provided herein, each Account will be credited with Supplemental and Discretionary Contributions and earnings attributable to such Account, and will be debited by the
amount of all distributions. A Participant’s Account may also include amounts transferred from the Cash America SERP. Each Account of a Participant will be maintained until the vested value thereof has been distributed to or on behalf of such
Participant or his Beneficiary. 
 (b) Nature of Contributions and Accounts. The amounts credited to a
Participant’s Account will be represented solely by bookkeeping entries. Except as provided in Article VII, no monies or other assets will actually be set aside for such Participant. All payments to a Participant or Beneficiary under the Plan
will be made from the general assets of the Company. 
 (c) Several Liabilities. The Administrative Committee or
the Controlling Company will allocate the total liability to pay benefits under the Plan among the Company in such manner and amount as the Administrative Committee or the Controlling Company (as applicable) in its sole discretion deems appropriate.

 (d) General Creditors. Any assets which may be acquired by the Company in anticipation of its obligations under
the Plan will be part of the general assets of the Company. The Company’s obligation to pay benefits under the Plan constitutes a mere promise of the Company to pay such benefits, and a Participant or Beneficiary will be and remain no more than
an unsecured, general creditor of the Company. 
 3.2 Supplemental Contributions. 

(a) Crediting of Supplemental Contributions. As soon as administratively feasible following the last day of each Plan Year
(or such other date as determined by the Controlling Company, in its sole discretion), the Controlling Company may direct the Administrative Committee to credit a Supplemental Contribution to the Account of each Participant who was a
Supplemental-Eligible Employee for any period during such Plan Year and is employed by the Company on the last day of such Plan Year (or such other period as determined by the Controlling Company). 

(b) Amount of Supplemental Contributions. The Controlling Company will determine the amount, if any, of the Supplemental
Contribution to be made for each Plan Year for each Supplemental-Eligible Employee, and may determine different amounts for specified Supplemental-Eligible Employees or groups of Supplemental-Eligible Employees. However, the targeted (but
non-binding) amount of Supplemental Contribution for each Plan Year will be determined as a percentage of each Supplemental-Eligible Employee’s Compensation earned during such Plan Year (or the portion thereof while such Participant was a
Supplemental-Eligible Employee), with such targeted percentage determined by the Compensation Committee from time to time. If a Supplemental-Eligible Employee was a 

  
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member of one group of Supplemental-Eligible Employees for part of the Plan Year and a member of one or more other groups of Supplemental-Eligible Employees for another part of the Plan Year, the
applicable percentage for each group will be applied to the portion of his Compensation earned during the portion of the Plan Year he held each such position, with the portion of his Compensation attributable to an annual bonus prorated based on the
number of regular payroll periods for which the Participant earned compensation for each eligible position during the year. If a Participant is not a Supplemental-Eligible Employee during the entire Plan Year but remains employed by the Company on
the last day of the Plan Year, the applicable percentage for that person will be applied to the portion of his Compensation earned during the portion of the Plan Year during which he was a Supplemental-Eligible Employee. For purposes of this
subsection, a Supplemental-Eligible Employee is deemed to earn compensation for a particular payroll period on the regular pay date applicable to that payroll period. Notwithstanding the foregoing, Supplemental Contributions, if any, for the Plan
Year that ends on December 31, 2012, will be computed in accordance with Schedule A hereto. 
 3.3 Discretionary
Contributions. 
 At such time or times, in such amount and under such terms, as the Controlling Company, in its sole
discretion, may (but is not required to) determine and direct, the Administrative Committee will credit to the Account of any Discretionary-Eligible Employee a Discretionary Contribution. To the extent any special characteristics are to apply to any
Discretionary Contributions, these will be specified on an exhibit to the Plan and/or in the records of the Administrative Committee. 
 3.4 Debiting of Distributions. 
 As of each Valuation Date, the
Administrative Committee will debit each Participant’s Account for any amount distributed from such Account since the immediately preceding Valuation Date. 
 3.5 Crediting of Earnings. 
 As of each Valuation Date, the
Administrative Committee will credit to each Participant’s Account the amount of earnings and/or losses applicable thereto for the period since the immediately preceding Valuation Date. Such crediting of earnings and/or losses will be effected
as of each Valuation Date, based on the investments applicable to the Participant’s Account pursuant to the terms of Section 4.2. 
 3.6 Value of Account. 
 The value of a Participant’s Account as
of any date will be equal to the aggregate value of all contributions and all investment earnings deemed credited to his Account as of such date, determined in accordance with this Article III. 

  
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 3.7 Vesting. 

(a) Time of Vesting. A Participant will become vested in his Account and the earnings credited with respect thereto in
accordance with the following schedule: 
  

					
	 Years of Service
	  	Vested Percentage	 
	 Less than 1 Year of Service
	  	 	0	% 
	 1 Year, but less than 2
	  	 	20	% 
	 2 Years, but less than 3
	  	 	40	% 
	 3 Years, but less than 4
	  	 	60	% 
	 4 Years, but less than 5
	  	 	80	% 
	 5 or more Years of Service
	  	 	100	% 

 (b) Change in Control. If a Change in Control occurs, the Participant will be immediately
100 percent vested in his Account and the earnings credited with respect thereto as of the date of such Change in Control. Any Supplemental or Discretionary Contributions credited to the Participant’s Account and any earnings credited with
respect thereto after the date of a Change in Control will continue to vest in accordance with the vesting schedule set forth in subsection (a) hereof. 
 (c) Job Abolishment. If a Participant’s employment is terminated as a result of a job abolishment, the Participant will be immediately 100 percent vested in his Account and the earnings
credited with respect thereto. 
 (d) Forfeiture. For all periods prior to the date a Participant becomes fully
vested in his Account, the nonvested portion of such Account will remain forfeitable. Upon a Participant’s termination of employment with all Affiliates, the unvested portion of his Account will be immediately forfeited. 

3.8 Notice to Participants of Account Balances. 
 At least once for each Plan Year, the Administrative Committee will cause a written statement of a Participant’s Account balance to be distributed to the Participant. 

3.9 Good Faith Valuation Binding. 
 In determining the value of the Accounts, the Administrative Committee will exercise its best judgment, and all such determinations of value (in the absence of bad faith) will be binding upon all
Participants and their Beneficiaries. 

  
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 3.10 Errors and Omissions in Accounts. 

If an error or omission is discovered in the Account of a Participant, the Administrative Committee, in its sole discretion, will cause
appropriate, equitable adjustments to be made as soon as administratively practicable following the discovery of such error or omission. 
 ARTICLE IV 
 INVESTMENT FUNDS 

4.1 Selection by Administrative Committee. 
 From time to time, the Administrative Committee will select two or more Investment Funds for purposes of determining the rate of return on amounts deemed invested in accordance with the terms of the Plan;
provided, an Investment Fund that is deemed invested primarily in equity securities of the Controlling Company will not be a permitted investment. The Administrative Committee may change, add or remove Investment Funds on a prospective basis at any
time and in any manner it deems appropriate. 
 4.2 Participant Direction of Deemed Investments. 

Each Participant generally may direct the manner in which his Account will be deemed invested in and among the Investment Funds. Any
Participant investment directions permitted hereunder will be made in accordance with the following terms: 
 (a) Nature
of Participant Direction. The selection of Investment Funds by a Participant will be for the sole purpose of determining the rate of return to be credited to his Account, and will not be treated or interpreted in any manner whatsoever as a
requirement or direction to actually invest assets in any Investment Fund or any other investment media. The Plan, as an unfunded, nonqualified deferred compensation plan, at no time will have any actual investment of assets relative to the benefits
or Accounts hereunder. 
 (b) Investment of Contributions. Each Participant may make an Investment Election
prescribing the percentage of the future contributions that will be deemed invested in each Investment Fund. An initial Investment Election of a Participant will be made as of the date the Participant commences participation in the Plan and will
apply to all contributions credited to such Participant’s Account after such date. Such Participant may make subsequent Investment Elections as of any Valuation Date, and each such election will apply to all such specified contributions
credited to such Participant’s Account after the Administrative Committee (or its designee) has a reasonable opportunity to process such election pursuant to such procedures as the Administrative Committee may determine from time-to-time. Any
Investment Election made pursuant to this subsection with respect to future contributions will remain effective until changed by the Participant. 
 (c) Investment of Existing Account Balances. Each Participant may make an Investment Election prescribing the percentage of his existing Account balance that will be deemed invested in each
Investment Fund. Such Participant may make such Investment Elections as of any Valuation Date, and each such election will be effective after the 

  
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Administrative Committee (or its designee) has a reasonable opportunity to process such election. Each such election will remain in effect until changed by such Participant. 

(d) Administrative Committee Discretion. The Administrative Committee will have complete discretion to adopt and revise
procedures to be followed in making such Investment Elections. Such procedures may include, but are not limited to, the process of making elections, the permitted frequency of making elections, the incremental size of elections, the deadline for
making elections, the effective date of such elections and whether, and the extent to which, to charge any Participant’s Account an administrative fee for making such Investment Elections; provided, no other benefit or payment to a Participant
will be increased or decreased in connection with the imposition of, or failure to impose, any fees against the Participant’s Account. Any procedures adopted by the Administrative Committee that are inconsistent with the deadlines or procedures
specified in this Section will supersede such provisions of this Section without the necessity of a Plan amendment. Unless otherwise determined by the Administrative Committee, any investment elections in effect with respect to a Participant’s
contributions and accounts under the Cash America SERP will be deemed to be such Participant’s initial investment elections under the Plan. 
 ARTICLE V 
 PAYMENT OF ACCOUNT BALANCES 

5.1 Amount of Benefit Payments. 
 Payment of a benefit amount as of any Payment Date hereunder will be calculated by determining the total of (i) the entire vested amount credited to the Participant’s Account that is payable on
such Payment Date, determined as of the Valuation Date on which the distribution is processed; plus (ii) the vested amount of Supplemental and Discretionary Contributions made since such Valuation Date. For purposes of this subsection, the
“Valuation Date on which such distribution is processed” refers to the Valuation Date established for such purpose by administrative practice, even if actual payment is made or commenced at a later date due to delays in valuation,
administration or any other procedure. 
 5.2 Timing and Form of Distribution. 

(a) General Payment Date. Except as provided in Section 5.3 and subsection (c) hereof, the
Payment Date for a Participant’s Account will be: (i) the 30th day after the date the Participant Separates from Service, in the case of a Participant who is not a Key Employee on the date he Separates from Service; or (ii) 6 months after the date the
Participant Separates from Service, in the case of a Participant who is a Key Employee on the date he Separates from Service. 

(b) General Payment Form. Except as provided in subsection (c) hereof, the vested portion of a Participant’s
Account will be distributed in the form of a single-sum payment. 
 (c) Modification of Defaults. To the extent
permitted by the Administrative Committee, a Participant who has not yet Separated from Service may make one election to delay the payment (or commencement) of his Account payable under subsection (a) and/or to change the form of payment to
have his Account paid in the form of annual installment 

  
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payments, to change the number of installment payments elected, or to elect a lump sum. In the event of an election under this subsection, the Payment Date for such Participant’s Account
will be delayed to the 5-year anniversary of the Payment Date that would have applied under subsection (a) above. Any election under this subsection will not be effective unless made at least 12 months before the Payment Date applicable under
subsection (a) above. The following terms and conditions will apply to installment payment elections made under this Section, if any: 
 (1) The installment payments will be made in substantially equal annual installments (adjusted for investment earnings between payments in the manner described in Section 3.5) over any period not in
excess of 10 years. Any election under this subsection will specify the number of installment payments elected. 

(2) The initial value of the obligation for the installment payments will be equal to the amount of the Participant’s
Account balance calculated in accordance with the terms of Section 5.1. 
 5.3 Cashout of Accounts.

 (a) Generally. To the extent permitted under Code Section 409A, if at any time a Participant’s
Account balance (including, for purposes of this section, non-elective deferral accounts under certain other nonqualified deferred compensation plans required to be aggregated with the Plan under Code Section 409A) does not exceed the
applicable dollar amount under Code Section 402(g)(1)(B), the Administrative Committee may elect, in its sole discretion, to pay such Participant’s Account balance in an immediate single-sum payment. 

(b) Documentation of Determination. Any exercise of the Administrative Committee’s discretion pursuant to this
subsection will be evidenced in writing no later than the date of the distribution. 
 (c) Six Month Delay for Key
Employees. Notwithstanding the foregoing, to the extent required under Code Section 409A, no payment under this Section will be made within 6 months after the date the Participant Separates from Service, in the case of a payment to a
Participant who is a Key Employee on the date he Separates from Service. 
 5.4 Medium of Payment. 

All distributions will be made in the form of cash. 
 5.5 Death Benefits. 
 If a Participant dies before full payment of
his Account from the Plan is made, the Beneficiary or Beneficiaries designated by such Participant in his latest beneficiary designation form filed with the Administrative Committee will be entitled to receive a distribution of vested amount
credited to such Participant’s Account. The benefit will be distributed to such Beneficiary or Beneficiaries 30 days after the date of the Participant’s death, in the form of a single-sum payment in cash. 

  
 14 

 5.6 Hardship Withdrawals. 

Upon receipt of (i) an application for a hardship withdrawal from a Participant who has not yet received a distribution of his
entire Account and (ii) the Administrative Committee’s decision, made in its sole discretion, that a Participant has suffered a Financial Hardship, the Administrative Committee will cause the Company to pay a distribution to such
Participant. Such distribution will be paid in a single-sum payment in cash, within 90 days after the date the Administrative Committee determines that a Financial Hardship exists, which must be prior to the Participant’s Separation from
Service. The amount of such single-sum payment will be limited to the vested amount of the Participant’s Account that is reasonably necessary to meet the Participant’s requirements resulting from the Financial Hardship. The amount of such
distribution will reduce the Participant’s Account balance as provided in Section 3.4. 
 5.7 Taxes.

 (a) Amounts Payable Whether or Not Account is in Pay Status. If the whole or any part of any Participant’s
or Beneficiary’s Account hereunder will become subject to FICA Tax or any state, local or foreign tax obligations, which the Company will be required to pay or withhold prior to the time the Participant’s Account becomes payable hereunder,
the Company will have the full power and authority to withhold and pay such tax and related taxes as permitted under Code Section 409A. 
 (b) Amounts Payable Only if Account is in Pay Status. If the whole or any part of any Participant’s or Beneficiary’s Account hereunder is subject to any taxes which the Company
will be required to pay or withhold at the time the Account becomes payable hereunder, the Company will have the full power and authority to withhold and pay such tax out of any monies or other property that the Company holds for the account of the
Participant or Beneficiary, excluding, except as provided in this Section, any portion of the Participant’s Account that is not then payable. 
 5.8 Offset Account by Amounts Owed to the Company. 
 Notwithstanding
anything in the Plan to the contrary, the Administrative Committee may, in its sole discretion, offset a Participant’s Account by any amount owed by such Participant or Beneficiary (whether or not such obligation is related to the Plan) to the
Company. Notwithstanding the foregoing, no such offset will apply if such offset will apply before the Account is otherwise payable under the Plan, unless the following requirements are met: (i) the debt owed was incurred in the ordinary course
of the relationship between the Participant and the Company, (ii) the entire amount of offset to which this sentence applies in a single taxable year does not exceed $5,000, (iii) the offset occurs at the same time and in the same amount
as the debt otherwise would have been due and collected from the Participant or Beneficiary, and (iv) in the case of a Participant who is a Key Employee on the date he Separates from Service, the offset does not occur within six months after
the date the Participant Separates from Service. 

  
 15 

 5.9 No Acceleration of Account Payments. 

Except as otherwise provided in this Section, no payment scheduled to be made under this Article V may be accelerated. Notwithstanding
the foregoing, the Administrative Committee, in its sole discretion, may accelerate any payment scheduled to be made under this Article V in accordance with Code Section 409A (for example, upon certain terminations of the Plan, limited cashouts
or to avoid certain conflicts of interest); provided, a Participant may not elect whether his scheduled payment will be accelerated pursuant to this sentence. 
 5.10 Amounts Transferred from the Cash America SERP 
 Any amounts
transferred from the Cash America SERP will be administered in accordance with the terms of the Cash America SERP, including any prior payment elections made by a Participant, to the extent required to avoid income inclusion under Code
Section 409A(a)(1). For the avoidance of doubt, the determination of whether amounts transferred from the Cash America SERP become vested as a result of a Change in Control after the Effective Date will be determined under sections 1.8 and
3.7(b) of the Plan. 
 ARTICLE VI 
 CLAIMS 
 6.1 Initial Claim. 

(a) Rights. If a Participant or Beneficiary has any grievance, complaint or claim concerning any aspect of the operation or
administration of the Plan, including but not limited to claims for benefits (collectively referred to herein as “claim” or “claims”), such claimant will submit the claim in accordance with the procedures set forth in this
Article. All such claims must be submitted within the “applicable limitations period.” The “applicable limitations period” will be 2 years, beginning on (i) in the case of any lump-sum payment, the date on which the payment
was made, (ii) in the case of a periodic payment, the date of the first in the series of payments, or (iii) for all other claims, the date on which the action complained of occurred. Additionally, upon denial of an appeal pursuant to
Section 6.2, a Participant or Beneficiary will have 90 days within which to bring suit for any claim related to such denied appeal; any such suit initiated after such 90-day period will be precluded. 

(b) Procedure. Claims for benefits under the Plan may be filed with the Administrative Committee on forms or in such other
written documents as the Administrative Committee may prescribe. The Administrative Committee will furnish to the claimant written notice of the disposition of a claim within 90 days after the application therefor is filed; provided, if special
circumstances require an extension of time for processing the claim, the Administrative Committee will furnish written notice of the extension to the claimant prior to the end of the initial 90-day period, and such extension will not exceed one
additional, consecutive 90-day period. In the event the claim is denied, the notice of the disposition of the claim will provide the specific reasons for the denial, citations of the pertinent provisions of the Plan, an explanation as to how the
claimant can perfect the claim and/or submit the claim for review (where appropriate), and a statement of the claimant’s right to bring a civil action under ERISA Section 502(a) following an adverse determination on review. 

  
 16 

 6.2 Appeal. 

Any Participant or Beneficiary who has been denied a benefit will be entitled, upon request to the Controlling Company, to appeal the
denial of his claim. The claimant (or his duly authorized representative) may review pertinent documents related to the Plan and in the Controlling Company’s possession in order to prepare the appeal. The request for review, together with a
written statement of the claimant’s position, must be filed with the Controlling Company no later than 60 days after receipt of the written notification of denial of a claim provided for in subsection (b). The Controlling Company’s
decision will be made within 60 days following the filing of the request for review and will be communicated in writing to the claimant; provided, if special circumstances require an extension of time for processing the appeal, the Controlling
Company will furnish written notice of the extension to the claimant prior to the end of the initial 60-day period, and such extension will not exceed one additional 60-day period. If unfavorable, the notice of the decision will explain the reasons
for denial, indicate the provisions of the Plan or other documents used to arrive at the decision and state the claimant’s right to bring a civil action under ERISA Section 502(a). Upon denial of an appeal pursuant to this subsection, a
Participant will have 90 days within which to bring suit against the Plan for any claim related to such denied appeal; any such suit initiated after such 90-day period will be precluded. 

6.3 Satisfaction of Claims. 
 Any payment to a Participant or Beneficiary will to the extent thereof be in full satisfaction of all claims hereunder against the Administrative Committee and the Company, any of whom may require such
Participant or Beneficiary, as a condition to such payment, to execute a receipt and release therefor in such form as will be determined by the Administrative Committee or the Company. If receipt and release is required but the Participant or
Beneficiary (as applicable) does not provide such receipt and release in a timely enough manner to permit a timely distribution in accordance with the general timing of distribution provisions in the Plan, such payment will be forfeited. 

ARTICLE VII 

SOURCE OF FUNDS; TRUST 
 7.1 Source of Funds. 
 Except as provided in this Section and
Section 7.2, the Company will provide the benefits described in the Plan from the general assets of the Company. In any event, the Company ultimately will have the obligation to pay all benefits due to Participants and Beneficiaries under the
Plan. The Company may, but will not be required to, establish a Trust and may pay over funds from time to time to such Trust (as described in Section 7.2), and, to the extent that funds in such Trust allocable to the benefits payable under the
Plan are sufficient, the Trust assets will be used to pay benefits under the Plan. If such Trust assets are not sufficient to pay all benefits due under the Plan, then the Company will have the obligation, and the Participant or Beneficiary, who is
due such benefits, will look to the Company to provide such benefits. 

  
 17 

 7.2 Trust. 

The Company may transfer all or any portion of the funds necessary to fund benefits accrued hereunder to the Trustee to be held and
administered by the Trustee pursuant to the terms of the Trust Agreement. To the extent provided in the Trust Agreement, each transfer into the Trust Fund will be irrevocable as long as the Company has any liability or obligations under the Plan to
pay benefits, such that the Trust property is in no way subject to use by the Company; provided, it is the intent of the Company that the assets held by the Trust are and will remain at all times subject to the claims of the general creditors of the
Company. No Participant or Beneficiary will have any interest in the assets held by the Trust or in the general assets of the Company other than as a general, unsecured creditor. Accordingly, the Company will not grant a security interest in the
assets held by the Trust in favor of the Participants, Beneficiaries or any creditor. 
 7.3 Funding Prohibition under
Certain Circumstances. 
 Notwithstanding anything in this Article VII to the contrary, no assets will be set aside to
fund benefits under the Plan if such setting aside would be treated as a transfer of property under Code Section 83 pursuant to Code Section 409A(b). 
 ARTICLE VIII 
 RIGHTS AND DUTIES UNDER THE PLAN 

8.1 Controlling Company Action. 
 The Controlling Company, as plan sponsor of the Plan, will have all the rights, authority and duties specified hereunder. Unless and until the Board of Directors of the Controlling Company appoints any
other or additional person(s) to act on behalf of the Controlling Company with regard to any or all of the items specifically reserved for, or to be directed by, the Controlling Company under the Plan, the Chief Executive Officer of the Controlling
Company with the approval of the Compensation Committee is hereby authorized and directed to act on behalf of the Controlling Company or the Company. Notwithstanding the foregoing, if any decision or action could impact or affect solely the benefits
or rights under the Plan (if any) of the Chief Executive Officer of the Controlling Company, then the Chief Executive Officer of the Controlling Company will not participate in such decision and the Compensation Committee alone will make such
decision; provided, if a member of the Compensation Committee is a Participant or Beneficiary, he will not participate in any decision which solely affects his own benefit under the Plan. 

8.2 Administrative Committee Organization and Action. 

Action of the Administrative Committee may be taken with or without a meeting of committee members; provided, action will be taken only
upon the vote or other affirmative expression of a majority of the committee members qualified to vote with respect to such action. If a member of the committee is a Participant or Beneficiary, he will not participate in any decision which solely
affects his own benefit under the Plan. For purposes of administering the Plan, the Administrative Committee will choose a secretary who will keep minutes of the committee’s proceedings and all records and documents pertaining to the
administration of the 

  
 18 

 
Plan. The secretary may execute any certificate or any other written direction on behalf of the Administrative Committee. 
 8.3 Rights and Duties. 
 The Administrative Committee will
administer the Plan and will have all the powers necessary to accomplish that purpose, including (but not limited to) the following: 
 (a) To construe, interpret and administer the Plan; 
 (b) To make determinations
required by the Plan, and to maintain records regarding Participants’ and Beneficiaries’ benefits hereunder; 
 (c) To
compute and certify to the Company the amount and kinds of benefits payable to Participants and Beneficiaries, and to determine the time and manner in which such benefits are to be paid; 

(d) To authorize all disbursements by the Company pursuant to the Plan; 

(e) To maintain all the necessary records of the administration of the Plan; 

(f) To make and publish such rules for the regulation of the Plan as are not inconsistent with the terms hereof; 

(g) To have all powers elsewhere conferred upon it; 
 (h) To delegate to other individuals or entities from time to time the performance of any of its duties or responsibilities hereunder; 

(i) To appoint a Trustee hereunder; and 
 (j) To hire agents, accountants, actuaries, consultants and legal counsel to assist in operating and administering the Plan. 
 The Administrative Committee will have the exclusive right to construe and interpret the Plan, to decide all questions of eligibility for benefits and to determine the amount of such benefits, each in its
sole discretion, and its decisions on such matters will be final and conclusive on all parties. 
 8.4 Compensation,
Indemnity and Liability. 
 The Administrative Committee and its members will serve as such without bond and without
compensation for services hereunder. All expenses of the Administrative Committee will be paid by the Company. No member of the Administrative Committee will be liable for any act or omission of any other member of the Administrative Committee, or
for any act or omission on his own part, excepting his own willful misconduct. The Company will indemnify and hold harmless the Administrative Committee and each member thereof against any and all expenses and liabilities, including reasonable legal
fees and expenses, arising out of his membership on the Administrative Committee, excepting only expenses and liabilities arising out of his own willful misconduct. 

  
 19 

 ARTICLE IX 
 AMENDMENT AND TERMINATION 
 9.1 Amendments.

 The Board will have the right, in its sole discretion, to amend the Plan in whole or in part at any time and from time to
time. Any amendment will be in writing and executed by a duly authorized officer of the Controlling Company. An amendment to the Plan may modify its terms in any respect whatsoever; provided, no such action may reduce the amount already credited to
a Participant’s Account without the affected Participant’s written consent. All Participants and Beneficiaries will be bound by such amendment. 
 9.2 Freezing or Termination of Plan. 
 (a) Freezing.
The Controlling Company, through action of the Board, reserves the right to discontinue and freeze the Plan at any time, for any reason. Any action to freeze the Plan will be taken by the Board in the form of a written Plan amendment executed by a
duly authorized officer of the Controlling Company. 
 (b) Termination. The Controlling Company expects to
continue the Plan but reserves the right to terminate the Plan and fully distribute all Accounts under the Plan at any time, for any reason; provided, the distribution of Accounts will be subject to the restrictions provided under Code
Section 409A (including, to the extent required by Code Section 409A, the 6-month delay that applies to distributions to Key Employees following Separation from Service). Any action to terminate the Plan will be taken by the Board in the
form of a written Plan amendment executed by a duly authorized officer of the Controlling Company. If the Plan is terminated, each Participant will become 100 percent vested in his Account. Such termination will be binding on all Participants and
Beneficiaries. 
 ARTICLE X 
 MISCELLANEOUS 
 10.1 Beneficiary Designation.

 (a) General. Participants will designate and from time to time may redesignate their Beneficiaries in such form and
manner as the Administrative Committee may determine. For a Participant who becomes a Participant on the Effective Date and previously participated in the Cash America SERP, the beneficiary designated under the Cash America SERP will be deemed to be
the Participant’s Beneficiary as of the Effective Date unless a new Beneficiary designation is required by the Administrative Committee. 
 (b) No Designation or Designee Dead or Missing. In the event that: 
 (1) A Participant dies without designating a Beneficiary; 
 (2) The
Beneficiary designated by a Participant is not surviving when a payment is to be made to such person under the Plan, and no contingent Beneficiary has been designated; or 

  
 20 

 (3) The Beneficiary designated by a Participant cannot be located by the
Administrative Committee within a reasonable time following the Participant’s death, as determined by the Administrative Committee; 
 then, in any of such events, the Beneficiary of such Participant will be the Participant’s Surviving Spouse, if any, and if not, then the estate of the Participant; provided, if the Participant does
not have a Surviving Spouse (or the Surviving Spouse cannot be located), and no claim has been made on behalf of the Participant’s estate within a reasonable period of time after the Participant’s death, then the Beneficiary will be such
heirs and/or relatives of the Participant as the Administrative Committee may determine in its sole discretion, and payment to such Beneficiary will be deemed in full satisfaction of the Participant’s benefits under the Plan, without further
liability with respect to such Participant’s benefits on the part of the Plan, the Controlling Company, any Affiliate, or the Administrative Committee. 
 10.2 Distribution pursuant to a Domestic Relations Order. 
 Upon
receipt of a valid domestic relations order (determined in accordance with the rules applicable to a tax-qualified retirement plan under Code Section 401(a)) requiring the distribution of all or a portion of a Participant’s Account to an
alternate payee, the Administrative Committee will cause the Company to pay a distribution to such alternate payee. All distributions to alternate payees under the Plan will be in the form of a single lump sum payment. 

10.3 Taxation. 
 It is the intention of the Controlling Company that the benefits payable hereunder will not be deductible by the Company or taxable for federal income tax purposes to Participants or Beneficiaries until
such benefits are paid by the Company, or the Trust, as the case may be, to such Participants or Beneficiaries. For purposes of the Federal Insurance Contributions Act (“FICA”), each Participant will be taxed on contributions and
investment earnings attributable thereto based on the year in which occurs the later of (i) the date that the contributions are credited to the Participant’s Accounts; and (ii) the date that the contributions become vested. When
benefits are paid hereunder, it is the intention of the Controlling Company that they will be deductible by the Company under Code Section 162. The Plan is intended to satisfy the requirements of Code Section 409A, and the Administrative
Committee will use its reasonable best efforts to interpret and administer the Plan in accordance with such requirements. 

10.4 No Employment Contract. 
 Nothing herein contained is intended to be nor will be construed as constituting a contract or other arrangement between the Company and any Participant to the effect that the Participant will be employed
by the Company for any specific period of time. 
 10.5 Headings. 

The headings of the various articles and sections in the Plan are solely for convenience and may not be relied upon in construing any
provisions hereof. Any reference to a section refers to a section of the Plan unless specified otherwise. 

  
 21 

 10.6 Gender and Number. 

Use of any gender in the Plan will be deemed to include both genders when appropriate, and use of the singular number will be deemed to
include the plural when appropriate, and vice versa in each instance. 
 10.7 Assignment of Benefits. 

The right of a Participant or his Beneficiary to receive payments under the Plan will not be anticipated, alienated, sold, assigned,
transferred, pledged, encumbered, attached or garnished by creditors of such Participant or Beneficiary, except by will or by the laws of descent and distribution and then only to the extent permitted under the terms of the Plan. 

10.8 Legally Incompetent. 
 The Administrative Committee, in its sole discretion, may direct that payment to be made to an incompetent or disabled person, whether because of minority or mental or physical disability, be made instead
to the guardian of such person or to the person having custody of such person, without further liability on the part of the Company for the amount of such payment to the person on whose account such payment is made. 

10.9 Governing Law. 
 The Plan will be construed, administered and governed in all respects in accordance with applicable federal law (including ERISA) and, to the extent not preempted by federal law, in accordance with the
laws of the State of Illinois. If any provisions of this instrument are held by a court of competent jurisdiction to be invalid or unenforceable, the remaining provisions hereof will continue to be fully effective. 

10.10 Exclusive Benefit. 
 The benefits payable hereunder will be the exclusive benefit payable to any Participant under the Plan. 
 IN WITNESS WHEREOF, the Controlling Company has caused the Plan to be executed by its duly authorized officer on the          day of
            ,         . 
  

			
	ENOVA INTERNATIONAL, INC.
		
	By:	 	  

		 	Timothy S. Ho, President & CEO

  
 22 

 ENOVA INTERNATIONAL, INC. 

SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN 
 SCHEDULE A 
 AMOUNT OF SUPPLEMENTAL CONTRIBUTIONS TO BE 

CALCULATED WITH RESPECT TO PLAN YEAR ENDING DECEMBER 31, 2012 

If Supplemental Contributions are made with respect to the Plan Year Ending on December 31, 2012, the amount of such
Supplemental Contribution for each Supplemental-Eligible Employee will be determined as a percentage of the Supplemental-Eligible Employee’s Compensation (as defined in the Plan) earned during such Plan Year (or the portion thereof while such
Participant was a Supplemental-Eligible Employee), with such percentage determined from the chart below based on the Participant’s eligible position: 
  

					
	 Eligible Position
	  	Contribution Percentage	 
	 Executive Chairman
	  	 	10.5	% 
	 CEO or President
	  	 	10.5	% 
	 Senior Vice President
	  	 	7.5	% 
	 Vice President
	  	 	4.5	% 
	 Senior Director
	  	 	2.5	% 

 If a Supplemental-Eligible Employee was a member of one group of Supplemental-Eligible Employees for part
of the Plan Year and a member of one or more other groups of Supplemental-Eligible Employees for another part of the Plan Year, the applicable percentage for each group will be applied to the portion of his Compensation earned during the portion of
the Plan Year he held each such position, with the portion of his Compensation attributable to an annual bonus prorated based on the number of regular payroll periods for which the Participant earned compensation for each eligible position during
the year. 
 If a Supplemental-Eligible Employee was a member of one group of Supplemental-Eligible Employees for part of the
Plan Year (including at the end of the Plan Year) and not a member of one or more other groups of Supplemental-Eligible Employees for another part of the Plan Year, the applicable percentage for the eligible position he held at the end of the Plan
Year will be applied to the portion of his Compensation earned during the portion of the Plan Year he held that position, with the portion of his Compensation attributable to an annual bonus prorated based on the number of regular payroll periods
for which the Participant earned compensation for the eligible position during the year. 
 Except for the Executive Chairman,
for any portion the Plan Year that a Supplemental-Eligible Employee was employed by the Company and was an officer of Cash America International, Inc., he is considered for purposes of this Schedule A to have held the equivalent position with the
Company, whether or not he was an officer of the Company during such portion of the Plan Year. 

  
 23Form of Executive Change-In-Control Severance and Restrictive Covenant Agreement

 Exhibit 10.14 
 Enova International, Inc. 
 Executive Change-in-Control Severance and
Restrictive Covenant Agreement 
 Chief Executive Officer 

THIS EXECUTIVE CHANGE-IN-CONTROL SEVERANCE AND RESTRICTIVE COVENANT AGREEMENT – CHIEF EXECUTIVE OFFICER (the “Agreement”)
is made and entered into by and between Enova International, Inc. (the “Controlling Company”), a Delaware corporation, and Timothy S. Ho (“Executive”), and is effective on the      day of
            ,          (hereinafter referred to as the “Effective Date”). 

WHEREAS, the Executive is currently employed by the Controlling Company or one of its subsidiaries as President and Chief Executive
Officer; and 
 WHEREAS, the Executive possesses considerable experience and knowledge of the business and affairs of the
Controlling Company concerning its policies, methods, personnel, and operations; and 
 WHEREAS, the Controlling Company is
desirous of assuring insofar as possible, that it will continue to have the benefit of the Executive’s services; and the Executive is desirous of having such assurances; and 

WHEREAS, the Controlling Company recognizes that circumstances may arise in which a Change in Control of the Controlling Company occurs,
through acquisition or otherwise, thereby causing uncertainty of employment without regard to the Executive’s competence or past contributions. Such uncertainty may result in the loss of the valuable services of the Executive to the detriment
of the Controlling Company and the shareholders of the Controlling Company; and 
 WHEREAS, both the Controlling Company and the
Executive are desirous that any proposal for a Change in Control or acquisition will be considered by the Executive objectively and with reference only to the business interests of the Controlling Company and the shareholders of the Controlling
Company; and 
 WHEREAS, the Executive will be in a better position to consider the Controlling Company’s best interests if
the Executive is afforded reasonable security, as provided in this Agreement, against altered conditions of employment which could result from any such Change in Control or acquisition. 

NOW, THEREFORE, in consideration of the foregoing and of the mutual covenants and agreements of the parties set forth in this Agreement,
and of other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto, intending to be legally bound, agree as follows: 
 Article 1. Definitions 
 Wherever used in this Agreement, the following
terms shall have the meanings set forth below and, when the meaning is intended, the initial letter of the word is capitalized: 
  

	 	(a)	“Agreement” means this Executive Change-in-Control Severance and Restrictive Covenant Agreement. 

	 	(b)	“Base Salary” means, at any time, the then regular annual rate of pay which the Executive is receiving as annual salary, excluding amounts:
(i) received under short-term or long-term incentive or other bonus plans, regardless of whether or not the amounts are deferred, or (ii) designated by the Company as payment toward reimbursement of expenses. 

 

	 	(c)	“Board” means the Board of Directors of the Controlling Company. 

 

	 	(d)	“Cause” shall be determined solely by the Committee in the exercise of good faith and reasonable judgment, and shall mean the occurrence of any one or
more of the following: 

  

	 	(i)	The Executive’s willful and continued failure to substantially perform his duties with the Company (other than any such failure resulting from the Executive’s
Disability), after a written demand for substantial performance is delivered to the Executive that specifically identifies the manner in which the Committee believes that the Executive has not substantially performed his duties, and the Executive
has failed to remedy the situation within fifteen (15) business days of such written notice from the Company; or 

  

	 	(ii)	The Executive’s conviction of a felony; or 

  

	 	(iii)	The Executive’s willful engaging in conduct that is demonstrably and materially injurious to the Company, monetarily or otherwise. However, no act or failure to
act on the Executive’s part shall be deemed “willful” unless done, or omitted to be done, by the Executive not in good faith and without reasonable belief that the action or omission was in the best interests of the Company.

  

	 	(e)	“Change in Control” means an event that is a change in the ownership of the Controlling Company, a change in the effective control of the Controlling
Company or a change in the ownership of a substantial portion of the assets of the Controlling Company, all as defined in Code Section 409A and guidance issued thereunder. As a general overview, a Change in Control will occur on the date that
any of the following events occurs: 

  

	 	(i)	Any one person, or more than one person acting as a group (as defined in Code Section 409A), acquires ownership of Controlling Company stock that, together with
all other Controlling Company stock held by such person or group constitutes more than 50 percent of the total fair market value or total voting power of the stock of the Controlling Company. However, if any one person, or more than one person
acting as a group, is considered to own more than 50 percent of the total fair market value or total voting power of the stock of the Controlling Company, the acquisition of additional stock by the same person or persons is not considered to cause a
change in the ownership of the Controlling Company or to cause a change in the effective control of the Controlling Company. 

  

	 	(ii)	 The date any one person, or more than one person acting as a group, acquires (or has acquired, during the 12-month period ending on the date of the
most recent acquisition by such person or persons) ownership of stock of the Controlling 

	 	
Company possessing 30 percent or more of the total voting power of the stock of the Controlling Company. 

 

	 	(iii)	The date that any one person, or more than one person acting as a group acquires (or has acquired during the 12-month period ending on the date of the most recent
acquisition by such person or persons) assets from the Controlling Company that have a total gross fair market value equal to or more than 40 percent of the total gross fair market value of all of the assets of the Controlling Company immediately
before such acquisition or acquisitions. 

  

	 	(iv)	The date a majority of the Controlling Company’s board of directors is replaced during any 12-month period by directors whose appointment or election is not
endorsed by a majority of the members of the Controlling Company’s board of directors before the date of the appointment or election. 

 Notwithstanding the foregoing provisions, neither a change in ownership under clause (i) nor a change in effective control under clause (ii) shall be considered to have occurred as a result of
any acquisition or disposition of the Controlling Company’s stock by, or an increase in the percentage of the Controlling Company’s stock owned by, Cash America International, Inc. or any entity required to be aggregated with Cash America
International, Inc. under Code Sections 414(b) or 414(c). For clarification purposes and without limiting the foregoing, the acquisition of the Controlling Company’s stock in a public offering shall not result in a Change in Control unless
required by Code Section 409A. 
  

	 	(f)	“Code” means the Internal Revenue Code of 1986, as amended. 

 

	 	(g)	“Committee” means the Management Development and Compensation Committee of the Board, or, if no Management Development and Compensation Committee
exists, then the full Board, or a committee of Board members, as appointed by the full Board to administer this Agreement. 

  

	 	(h)	“Company” means the Controlling Company (including any and all subsidiaries). 

 

	 	(i)	“Controlling Company” means Enova International, Inc. a Delaware corporation or any entity that becomes a successor thereto in a transaction
(i) that qualifies under Code Section 368(a)(1)(F) as a mere change in identity, form or place of organization, or (ii) that is a liquidation into a parent corporation described in Code Section 332(b). 

 

	 	(j)	“Disability” shall have the meaning ascribed to such term in the Executive’s governing long-term disability plan, or if no such plan exists, at
the discretion of the Board. 

  

	 	(k)	“Effective Date” means the date specified in the opening sentence of this Agreement. 

 

	 	(l)	“Effective Date of Termination” means the date on which a Qualifying Termination occurs, as provided in Section 2.2 herein.

  

	 	(m)	“Exchange Act” means the Securities Exchange Act of 1934, as amended. 

 

	 	(n)	 “Good Reason” means, without the Executive’s express written consent, the occurrence after a Change in Control of the Controlling
Company of any one (1) or more of the following events which remains uncured after the expiration of 30 days following the 

	 	
delivery of written notice of such event to the Controlling Company in accordance with section 2.7: 

  

	 	(i)	The assignment of the Executive to duties materially inconsistent with, and which would constitute a material diminution with respect to, the Executive’s
authorities, duties, responsibilities, and status (including offices, titles, and reporting requirements) as an executive and/or officer of the Company, or a material reduction or alteration in the nature or status of the Executive’s
authorities, duties, or responsibilities from those in effect as of ninety (90) calendar days prior to the Change in Control, other than any insubstantial or inadvertent act; 

 

	 	(ii)	The Company’s requiring the Executive to be based at a location in excess of thirty-five (35) miles from the location of the Executive’s principal job
location or office immediately prior to the Change in Control; except for required travel on the Company’s business to an extent substantially consistent with the Executive’s then-present business travel obligations;

  

	 	(iii)	A material reduction by the Company of the Executive’s Base Salary in effect on the Effective Date hereof, or as the same shall be increased from time to time;

  

	 	(iv)	The failure of the Company to continue in effect any of the Company’s short- and long-term incentive compensation plans, or employee benefit or retirement plans,
policies, practices, or other compensation arrangements in which the Executive participates which results in a material diminution in the incentive compensation opportunity or benefits provided to the Executive, unless such failure to continue the
plan, policy, practice, or arrangement pertains to all plan participants generally; or the failure by the Company to continue the Executive’s participation therein on substantially the same basis, both in terms of the amount of benefits
provided and the level of the Executive’s participation relative to other participants, as existed immediately prior to the Change in Control of the Controlling Company; 

 

	 	(v)	The failure of the Company to obtain a satisfactory agreement from any successor to the Controlling Company as a result of a Change in Control of the Controlling
Company to assume and agree to perform the Company’s obligations under this Agreement, such that there is a breach of Article 8 herein; and 

  

	 	(vi)	A material breach of this Agreement by the Company which is not remedied by the Company within ten (10) business days of receipt of written notice of such breach
delivered by the Executive to the Company. 

  

	 	(o)	“Qualifying Termination” means any of the events described in Section 2.2 herein, the occurrence of which gives rise to the entitlement to the
payment of Severance Benefits hereunder. 

  

	 	(p)	“SERP” means the Enova International, Inc. Supplemental Executive Retirement Plan, as amended from time to time. 

	 	(q)	“Separation from Service” or “Separate from Service” means the Executive separates from service with the Company as determined under
Code Section 409A. For purposes of determining whether a Separation from Service has occurred, the “Company” shall include the Controlling Company (or the subsidiary or former subsidiary of the Controlling Company) that employs the
Executive immediately before the separation (the “Employing Entity”) and all entities that would be treated as a single employer with the Employing Entity at such time under Code Sections 414(b) or (c), but substituting “at least 50
percent” instead of “at least 80 percent” each place it appears in applying such rules. 

  

	 	(r)	“Severance Benefits” mean the payment of severance compensation as provided in Section 2.3 herein. 

Article 2. Severance Benefits 
 2.1 Right to Severance Benefits. The Executive shall be entitled to receive from the Company Severance Benefits as described in Section 2.3 herein, if there has been a Change in Control of the
Controlling Company and if, within twelve (12) months thereafter, the Executive Separates from Service with the Company for any reason specified in Section 2.2 herein as being a Qualifying Termination. 

2.2 Qualifying Termination. The occurrence of any one of the following events within twelve (12) months after a Change in
Control of the Controlling Company shall be considered a “Qualifying Termination” and shall give rise to Executive’s entitlement to Severance Benefits under this Agreement: 

 

	 	(a)	The Company’s involuntary termination of the Executive’s employment without Cause; and 

 

	 	(b)	The Executive’s voluntary termination of employment following the initial existence of a Good Reason. 

For purposes of this Agreement, a Qualifying Termination shall not include a termination of employment by reason of death or Disability,
the Executive’s voluntary termination for reasons other than as specified in Section 2.2(b) herein, or the Company’s involuntary termination for Cause. 
 2.3 Description of Severance Benefits. In the event that the Executive becomes entitled to receive Severance Benefits, as provided in Sections 2.1 and 2.2 herein, the Company shall pay to the
Executive and provide him with the following Severance Benefits: 
  

	 	(a)	A lump-sum amount equal to the Executive’s unpaid Base Salary, accrued vacation pay and unreimbursed business expenses, as well as all other items earned by and
owed to the Executive to the extent permitted under Code Section 409A, through and including the Effective Date of Termination. 

  

	 	(b)	 A lump-sum amount equal to the Executive’s annual target bonus amount, established under the annual bonus plan or plans in which the Executive is
then participating, for the bonus plan year in which the Executive’s Effective Date of Termination occurs, multiplied by a fraction the numerator of which is the number of full completed months in the year from January 1 through the

	 	
Effective Date of Termination, and the denominator of which is twelve (12). This payment will be in lieu of any other payment to be made to the Executive under the annual bonus plan in which the
Executive is then participating for the plan year. 

  

	 	(c)	A lump-sum amount equal to two (2) multiplied by the higher of: (i) the Executive’s annual rate of Base Salary in effect upon the Effective Date of
Termination, or (ii) the Executive’s annual rate of Base Salary in effect on the date of the Change in Control. 

  

	 	(d)	A lump-sum amount equal to two (2) multiplied by the higher of: (i) the Executive’s annual target bonus established under the annual bonus plan in which
the Executive is then participating for the bonus plan year in which the Executive’s Effective Date of Termination occurs, or (ii) the actual annual bonus payment made to the Executive under the annual bonus plan in which the Executive
participated in the year preceding the year in which the Effective Date of Termination occurs. 

  

	 	(e)	An immediate vesting of any and all outstanding cash-based long-term incentive awards held by the Executive, as granted to the Executive by the Company as a component
of the Executive’s compensation. The vested amount shall be the greater of: (i) an amount calculated under the terms of the incentive award based on the higher of actual performance goal achievement or target award level established for
each award, multiplied by a fraction the numerator of which is the full number of completed calendar months in the preestablished performance period as of the Effective Date of Termination, and the denominator of which is the full number of months
in the entire performance period; or (ii) the amount to which the Executive would be entitled under the terms of the long-term incentive award in the absence of this provision. The time and form of payment of this vested amount shall be
determined pursuant to the terms of the long-term incentive awards. 

  

	 	(f)	An immediate vesting and the lapse of all restrictions on any and all outstanding stock-based awards held by the Executive, to the extent not already provided for in
the award agreement. 

  

	 	(g)	Equivalent payment for continued medical coverage under the Company’s group health plan and/or under the Company’s supplemental executive medical expense
reimbursement plan (“MERP”), if any, for a period of twenty-four (24) months following the date of Separation from Service, based on the same coverage level, including dependent coverage, as in effect on the Effective Date of
Termination. Executive’s dependents shall be entitled to continue coverage for the full twenty four (24) month period following the Effective Date of Termination, even if the Executive dies during such period. Each payment or premium
discount provided under this subsection shall be considered a separate payment for purposes of Code Section 409A. Equivalent payment under this subsection shall be provided as follows: 

 

	 	(i)	With respect to coverage other than the MERP, such equivalent payment shall be provided by: 

	 	(A)	providing reimbursement of the portion of the monthly COBRA premium in excess of the amounts (if any) that similarly-situated active employees would pay for similar
coverage under the Company’s plans for the eighteen (18) month period, or such shorter period, of time during which Executive has COBRA coverage, or a direct reduction in premiums in lieu of reimbursement if determined by the Company in
its discretion; 

  

	 	(B)	providing a lump-sum payment equal to the reimbursement described in clause (i)(A) of this subsection for the first monthly COBRA premium (the “Company’s
Share of Monthly COBRA Premiums”) times six (6); and 

  

	 	(C)	 if for any reason during the eighteen (18) month period following the Effective Date of Termination, Executive does not have COBRA coverage under
the Company’s group health plan, the Company shall make an additional lump sum payment to Executive (or to Executive’s estate if Executive has died), equal to the Company’s Share of Monthly COBRA Premiums times the number of months in
the period from the date Executive’s COBRA coverage ends through the end of the eighteenth (18th) month following the Effective Date of Termination. 

  

	 	(ii)	The Company shall also pay a lump-sum payment equal to the portion of the monthly MERP premium in excess of the amounts (if any) that similarly-situated active
employees would pay for similar coverage under the MERP for a period of twenty four (24) months. 

  

	 	(h)	Up to $50,000 for reimbursement of amounts paid by the Executive for reasonable outplacement services from a reputable executive search firm of the Executive’s
selection (or direct payment to such search firm), to the extent that the Executive incurs such expenses (i) as a direct result of the Separation from Service and (ii) within twelve (12) months after the date of the Separation from
Service. Notwithstanding anything in this Agreement to the contrary, the Company shall provide any reimbursements described in this Section 2.3(h) to the Executive on or before the December 31 of the third calendar year following the
calendar year that includes the Separation from Service. 

 2.4 Termination for Total and Permanent
Disability. Following a Change in Control, if the Executive’s employment is terminated with the Company due to Disability, the Executive’s benefits shall be determined in accordance with the Company’s retirement, insurance, and
other applicable plans and programs then in effect. 
 2.5 Termination for Retirement or Death. Following a Change in
Control, if the Executive’s employment with the Company is terminated by reason of his death, the Executive’s benefits shall be determined in accordance with the Company’s retirement, survivor’s benefits, insurance, and other
applicable programs then in effect. 

 2.6 Termination for Cause or by the Executive Other Than for Good Reason. Following a
Change in Control, if the Executive’s employment is terminated either: (i) by the Company for Cause; or (ii) voluntarily by the Executive for reasons other than as specified in Section 2.2(b) herein, the Company shall pay the
Executive his full Base Salary at the rate then in effect, accrued vacation or paid time off, and other items earned by and owed to the Executive through the Effective Date of Termination, plus all other amounts to which the Executive is entitled
under any compensation plans of the Company at the time such payments are due, and the Company shall have no further obligations to the Executive under this Agreement. 
 2.7 Notice of Termination. Any termination of the Executive’s employment by the Company for Cause or by the Executive for Good Reason shall be communicated by Notice of Termination to the
other party. For purposes of this Agreement, a “Notice of Termination” shall mean a written notice which shall indicate the specific termination provision in this Agreement relied upon, and shall set forth in reasonable detail the facts
and circumstances claimed to provide a basis for termination of the Executive’s employment under the provision so indicated. In order to terminate for Good Reason, (i) the Executive must give the Company 30 days’ written notice of the
intent to terminate for Good Reason within 90 days of the initial existence of the conditions purportedly constituting Good Reason; (ii) the termination for Good Reason shall only take effect if the Company has not cured any conditions that are
identified in such notice by Executive, and that constitute Good Reason, within 30 days after such notice; and (iii) the date of termination of employment may not be later than 130 days after the date of the initial existence of the conditions
purportedly constituting Good Reason. 
 Article 3. Form and Timing of Severance Benefits 

3.1 Form and Timing of Severance Benefits. The Severance Benefits described in Sections 2.3(a), 2.3(b),
2.3(c) and 2.3(d) herein and the lump sum payments described in Sections 2.3(g)(i)(B) and 2.3(g)(ii) herein shall be paid in cash to the Executive in a single lump sum as soon as practicable following the date of Separation from Service, but in
no event later than ten (10) calendar days from such date. Notwithstanding the foregoing, to the extent required by Code Section 409A, all or a portion of such payments shall be delayed to the date that is six months after the date of
Separation from Service. The lump sum payment described in section 2.3(g)(i)(C) herein, if applicable, shall be paid in cash to the Executive in a single lump sum on the first day of the nineteenth (19th) month following the date of Separation from Service.

 3.2 Withholding of Taxes. Upon payment of Severance Benefits or other amounts payable under this Agreement, the
Company shall withhold from those Severance Benefits or other amounts all federal, state, city, or other taxes as legally shall be required. 

Article 4. The Company’s Payment Obligation 
 4.1 Payment Obligations Absolute. Except as provided in Section 9.8 herein, the Company’s obligation to make the payments and the arrangements provided for herein shall be absolute and
unconditional, and shall not be affected by any circumstances including, without limitation, any offset, counterclaim, recoupment, defense, or other right which the Company may have against the Executive or anyone else. All amounts payable by the
Company hereunder shall be paid without notice or demand. Each and every payment made hereunder by the Company shall be final, and except as provided in Section 9.8 herein, the Company shall not seek to recover all or any part of such payment
from the Executive or from whomsoever may be entitled thereto, for any reasons whatsoever. 

 The Executive shall not be obligated to seek other employment in mitigation of the amounts
payable or arrangements made under any provision of this Agreement, and the obtaining of any such other employment shall in no event effect any reduction of the Company’s obligations to make the payments and arrangements required to be made
under this Agreement, except to the extent provided in Section 2.3(h) herein. 
 4.2 Contractual Rights to Benefits.
This Agreement establishes and vests in the Executive a contractual right to the benefits to which he is entitled hereunder. However, nothing herein contained shall require or be deemed to require, or prohibit or be deemed to prohibit, the Company
to segregate, earmark, or otherwise set aside any funds or other assets, in trust or otherwise, to provide for any payments to be made or required hereunder. 
 Article 5. Term of Agreement 
 This Agreement will commence on the Effective
Date and shall continue in effect for two (2) full years. However, at the end of such two (2) year period and, if extended, at the end of each additional year thereafter, the term of this Agreement shall be extended automatically for one
(1) additional year, unless either party delivers written notice six (6) months prior to the end of such term, or extended term, stating that the Agreement will not be extended. In such case, the Agreement will terminate at the end of the
term, or extended term, then in progress. 
 However, in the event of a Change in Control of the Controlling Company, the term
of this Agreement shall automatically be extended for two (2) years from the date of the Change in Control. 
 Article 6.
Executive’s Restrictive Covenants. 
 6.1 Confidential and Proprietary Information 

 

	 	(a)	Access. Executive acknowledges that, prior to, and during the term of Executive’s employment hereunder, Executive has been, and will be, privy to
confidential and proprietary information of the Company and its affiliates, including former affiliates, (collectively, the “Enterprise”). 

  

	 	(b)	 Nondisclosure. Executive agrees to not disclose to any third party, without the prior written consent of the Board or unless necessary to
perform Executive’s duties and responsibilities hereunder, the trade secrets, proprietary information, marketing strategies, business strategies, business plans, pricing data, legal analyses, financial information, insurance information,
customer lists, customer information, creditor files, processes, policies, procedures, research, lists, methodologies, specifications, software, software code, computer systems, software and hardware architecture and specifications, customer
information systems, point of sale systems, management information systems, software design and development plans and materials, computer information control and security plans and systems, intellectual property, contracts, business records,
technical expertise and know-how, and other confidential and proprietary information and trade secrets of the Enterprise (collectively, the “Property”), which have been or will be provided to Executive by the Enterprise and are
confidential and proprietary property of the Enterprise. Executive further agrees not to use any Property to Executive’s personal benefit or the benefit of any third party. Executive also agrees to return to the Company all such Property which
is tangible upon the termination of Executive’s employment for any reason. Notwithstanding the foregoing, the Property protected hereunder will not 

	 	
include any data or information that has been disclosed to the public (except where such public disclosure has been made by Executive without authorization), that has been independently developed
and disclosed by others, or that otherwise enters the public domain through lawful means. The restrictions in this Section are in addition to, and not in lieu of, any rights or remedies the Company or any of its affiliates may have available
pursuant to the laws of the State of Illinois to prevent the disclosure of trade secrets and proprietary information. 

  

	 	(c)	Nondisclosure Period. Executive’s obligations under the nondisclosure provisions in this Section 6.1 (i) will apply to confidential
information that does not constitute trade secrets during the term of Executive’s employment hereunder and for a period of twenty four (24) months after the date such employment terminates for any reason, and (ii) will apply to trade
secrets until such Property no longer constitutes trade secrets. 

 6.2 Nonsolicitation of Employees and
Agents. Executive agrees that, for the twenty four (24) month period following the date Executive’s employment terminates, Executive will not, directly or indirectly, solicit, recruit or induce any employee, officer, agent or
independent contractor of the Enterprise to terminate such party’s engagement with the Enterprise so as to work for any person or business which competes with the Enterprise for talent; provided, the restrictions set forth in this Section will
only apply to employees, officers, agents or independent contractors with whom Executive has business contact during the 12 month period ending on the date Executive’s employment terminates. 

6.3 Covenant Against Competition. Executive will not at any time during the Term, other than in performance of Executive’s
duties for the Enterprise, and for the twenty four (24) month period following the date Executive’s employment terminates, on Executive’s own behalf, or on behalf of any other person or entity, compete with the Enterprise by providing
employment, management or consulting services, similar to those Executive provided to the Enterprise with respect to any products or services similar to those offered or under development by the Company or any of its affiliates (“Enova Products
and Services”) anywhere within the Territory at any time during the 12 month period ending on the day Executive’s employment terminates. For purposes of this Agreement, the term “Territory” will mean any territory in which the
Enterprise offers its services or products at any time during the 12 month period ending on the day Executive’s employment terminates. 
 6.4 Nonsolicitation of Customers and Clients. Executive will not at any time during Executive’s employment with the Enterprise, other than in performance of Executive’s duties for the
Enterprise, and for a period of twenty four (24) months after the day Executive’s employment terminates, on Executive’s own behalf or on behalf of any other person or entity, solicit, initiate contact, call upon, initiate
communication with or attempt to initiate communication with any customer or client of the Enterprise or any representative of any customer or client of the Enterprise, with a view to providing Enova Products and Services to such clients or
customers; provided, the restrictions set forth in this Section that are applicable after the day Executive’s employment terminates will apply only to customers or clients of the Enterprise with whom Executive had contact within the twelve
(12) month period ending on the day Executive’s employment terminates. 
 6.5 Enforcement of Restrictive
Covenants. 
  

	 	(a)	 Severability. Executive acknowledges and agrees that the restrictive covenants contained in this Article 6 (collectively, the
“Covenants”) are reasonable and valid and do not impose limitations greater than those that are necessary to protect the business interests and confidential information of the Enterprise. Executive expressly agrees and

	 	
consents that, and represents and warrants to the Company that, the Covenants will not prevent or unreasonably restrict or interfere with Executive’s ability to make a fair living after
Executive’s employment terminates. The parties agree that the invalidity or unenforceability of any one or more of the Covenants, or any part thereof, will not affect the validity or enforceability of the other Covenants, all of which are
inserted conditionally on their being valid in law. In case any one or more of the Covenants contained in this Agreement shall be held to be invalid, illegal or unenforceable in any respect for any reason, such invalidity, illegality or
unenforceability shall not affect any other provision hereof, and this Agreement shall be construed as if such invalid, illegal or unenforceable Covenant had never been contained herein, and specifically, the parties hereto agree that in the event
any court of appropriate jurisdiction should determine that any portion or provision of any Covenant is invalid, unenforceable or excessively restrictive, the parties agree to request such court to rewrite such Covenant in order to make such
Covenant legal, enforceable and acceptable to such court to the maximum extent permissible under the law actually applied to determine the validity, legality, enforceability or reasonableness of any such Covenant. The parties agree that the
Covenants contained in this Agreement are severable and divisible; that none of such Covenants depends on any other Covenant for its enforceability; that such Covenants constitute enforceable obligations between the parties; that each such Covenant
will be construed as an agreement independent of any other Covenant of this Agreement; and that the existence of any claim or cause of action by one party to this Agreement against the other party to this Agreement, whether predicated on this
Agreement or otherwise, will not constitute a defense to the enforcement by any party to this Agreement of any such Covenant. 

  

	 	(b)	Injunctive Relief. Executive hereby agrees that any remedy at law for any breach of any of the Covenants will be inadequate and that the Enterprise will be
entitled to apply for injunctive relief in addition to any other remedy the Enterprise might have under this Agreement. 

  

	 	(c)	Claim for Damages. Executive acknowledges that, in addition to seeking injunctive relief, any of the entities comprising the Enterprise may bring a cause
of action against Executive for any and all losses, liabilities, damages, deficiencies, costs (including, without limitation, court and arbitration costs), and expenses (including, without limitation, reasonable attorneys’ fees), incurred by
the Enterprise and arising out of or due to any breach of any Covenant. In addition, either party may bring an action against the other for breach of any other provision of this Agreement. 

 

	 	(d)	Survival. To the extent applicable, the Covenants will survive the termination of this Agreement and/or the termination of Executive’s employment with the
Company and its affiliates. In addition, the termination of this Agreement will not terminate any other obligations or rights that, by the specific terms of this Article 6, extend beyond such termination. 

 

	 	(e)	Tolling. The duration of the Covenants shall be extended for a period of time equal to any period of time in which Executive engages in conduct in violation of
the Covenants. 

	 	(f)	Blue Penciling. Executive agrees that if any court finds that any provision in this Article 6 is overly broad such that it is unenforceable under applicable
state law, the court may reform that provision to narrow its scope to the extent necessary to render it enforceable. 

 Article
7. Legal Remedies 
 7.1 Dispute Resolution. The Executive shall have the right and option to elect to have any good
faith dispute or controversy arising under or in connection with this Agreement settled by litigation or arbitration. If arbitration is selected, such proceeding shall be conducted by final and binding arbitration before a panel of three
(3) arbitrators in accordance with the laws and under the administration of the American Arbitration Association. 
 7.2
Payment of Legal Fees. In the event that it shall be necessary or desirable for the Executive to retain legal counsel and/or to incur other costs and expenses in connection with the enforcement of any or all of his rights under this Agreement,
the Company shall pay (or the Executive shall be entitled to recover from the Company) on or before the December 31 of the calendar year following the calendar year in which the legal costs and expenses are incurred, any reasonable
attorneys’ fees, costs, and expenses in connection with the good faith enforcement of the Executive’s rights (including the enforcement of any arbitration award) that arise during the Executive’s lifetime. This shall include,
without limitation, court costs and attorney’s fees incurred by the Executive as a result of any good faith claim, action, or proceeding, including any such action against the Company arising out of, or challenging the validity or
enforceability of, this Agreement or any provision hereof. This right to receive legal fees is not subject to liquidation or exchange for another benefit, and the amount of fees or expenses provided during one calendar year will not affect the
amount of fees or expenses eligible for reimbursement or provided in any other calendar year. 
 Article 8. Successors 

The Controlling Company shall require any successor (whether direct or indirect, by purchase, merger, reorganization, consolidation,
acquisition of property or stock, liquidation, or otherwise) of all or a significant portion of the assets of the Controlling Company (including without limitation any acquirer in a Change in Control event described in subsection (e)(iii) of Article
1 hereof) by agreement, in form and substance satisfactory to the Executive, to expressly assume and agree to perform this Agreement in the same manner and to the same extent that the Company would be required to perform if no such succession had
taken place. Regardless of whether such agreement is executed, this Agreement shall be binding upon any successor in accordance with the operation of law and such successor shall be deemed the “Company” for purposes of this Agreement.
Notwithstanding the foregoing, any change in control of a successor not deemed to be the “Controlling Company” under Section 1(i) hereto shall not be considered a “Change in Control.” 

Article 9. Miscellaneous 

9.1 Employment Status. This Agreement is not, and nothing herein shall be deemed to create, an employment contract between the
Executive and the Controlling Company or any of its subsidiaries. The Executive acknowledges that the rights of the Company remain wholly intact to change or reduce at any time and from time to time his compensation, title, responsibilities,
location, and all other aspects of the employment relationship, or to discharge him prior to a Change in Control (subject to such discharge possibly being considered a Qualifying Termination pursuant to Section 2.2). 

 9.2 Entire Agreement. This Agreement contains the entire understanding of the Company
and the Executive with respect to the subject matter hereof. In addition, the payments provided for under this Agreement in the event of the Executive’s termination of employment shall be in lieu of any severance benefits payable under any
severance plan, program, or policy of the Company to which he might otherwise be entitled. 
 9.3 Notices. All notices,
requests, demands, and other communications hereunder shall be sufficient if in writing and shall be deemed to have been duly given if delivered by hand or if sent by registered or certified mail to the Executive at the last address he has filed in
writing with the Company or, in the case of the Company, at its principal offices. 
 9.4 Execution in Counterparts. This
Agreement may be executed by the parties hereto in counterparts, each of which shall be deemed to be original, but all such counterparts shall constitute one and the same instrument, and all signatures need not appear on any one counterpart.

 9.5 Conflicting Agreements. The Executive hereby represents and warrants to the Company that his entering into this
Agreement, and the obligations and duties undertaken by him hereunder, will not conflict with, constitute a breach of, or otherwise violate the terms of, any other employment or other agreement to which he is a party, except to the extent any such
conflict, breach, or violation under any such agreement has been disclosed to the Board in writing in advance of the signing of this Agreement. 
 9.6 Severability. In the event any provision of this Agreement shall be held illegal or invalid for any reason, the illegality or invalidity shall not affect the remaining parts of the Agreement,
and the Agreement shall be construed and enforced as if the illegal or invalid provision had not been included. Further, the captions of this Agreement are not part of the provisions hereof and shall have no force and effect. Notwithstanding any
other provisions of this Agreement to the contrary, the Company shall have no obligation to make any payment to the Executive hereunder to the extent, but only to the extent, that such payment is prohibited by the terms of any final order of a
federal or state court or regulatory agency of competent jurisdiction; provided, however, that such an order shall not affect, impair, or invalidate any provision of this Agreement not expressly subject to such order. 

9.7 Modification. No provision of this Agreement may be modified, waived, or discharged unless such modification, waiver, or
discharge is agreed to in writing and signed by the Executive and by the Company, as applicable, or by the respective parties’ legal representatives or successors. Notwithstanding the foregoing, if any provision of this Agreement would cause
compensation to be includible in the Executive’s income pursuant to Section 409A of the Code, then such provision shall be null and void, and the Company shall amend the Agreement in such a way as to cause substantially similar economic
results without causing such inclusion; any such amendment shall be binding on the Executive. 
 9.8 Compensation
Recovery. Notwithstanding anything in this Agreement to the contrary, in the event that the Controlling Company is required to materially restate its financial results due to the Controlling Company’s material noncompliance with any
financial reporting requirement under Federal securities laws, excluding a restatement of such financial results due solely to a change in generally accepted accounting principles in the United States or such other accounting principles that may be
adopted by the Securities and Exchange Commission and are or become applicable to the Company, the Committee may, in its discretion or as necessary to comply with applicable law, require the Executive to repay the Controlling Company an amount equal
to all or any portion of any incentive compensation (including stock and stock-based awards) that has been paid, issued or granted to the Executive pursuant to any incentive compensation program within the three years preceding the date on which the

 
Controlling Company is required to prepare an accounting restatement, to the extent that such amount was based on the erroneous data and exceeded the amount that would have been paid, issued or
granted to the Executive under the accounting restatement. Such cancellation or repayment obligation shall be effective as of the date specified by the Committee. Any repayment obligation shall be satisfied in cash or in such other form of
consideration, such as shares of stock of the Controlling Company, permitted by applicable law and acceptable to the Committee, and the Committee may provide for an offset to any future payments owed by the Company or its affiliates to the Executive
if necessary to satisfy the repayment obligation; provided however, that if any such offset is prohibited under applicable law, the Committee shall not permit any such offset and may require immediate repayment by the Executive. Notwithstanding the
foregoing, to the extent required to comply with applicable law, any applicable stock exchange listing requirements, and/or any compensation recovery or clawback policy adopted by the Company after the Effective Date, the Controlling Company may
unilaterally amend this Section 9.8 and such amendment shall be binding on the Executive; provided, however, regardless of whether the Controlling Company makes such a unilateral amendment, the Executive shall be bound by any compensation
recovery or clawback policy adopted by the Company after the Effective Date. 
 9.9 Applicable Law. To the extent not
preempted by the laws of the United States, the laws of the State of Illinois shall be the controlling law in all matters relating to this Agreement without giving effect to principles of conflicts of laws. 

9.10 Construction. This Agreement is intended to provide for severance payments and benefits and short-term deferrals exempt from
Internal Revenue Code Section 409A, and shall be construed accordingly. To the extent that this Agreement provides for amounts not eligible for such exemptions, this Agreement is intended to comply with Internal Revenue Code Section 409A,
and shall be construed accordingly. 
 IN WITNESS WHEREOF, the parties have executed this Agreement as of the Effective Date.

  

			
	ENOVA INTERNATIONAL, INC.
		
	By:	 	  

	Name:	 	                             
                                       
,
		 	Chairman of the Enova International, Inc. Management Development & Compensation Committee
	
	EXECUTIVE
	
	  

	Timothy S. Ho

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