Document:

Form of Employee Matters Agreement

 Exhibit 10.5 
 EMPLOYEE MATTERS AGREEMENT 
 BY AND AMONG 

CASH AMERICA INTERNATIONAL, INC., 
 AND 
 ENOVA INTERNATIONAL, INC. 

Dated as of             , 2012 

 EMPLOYEE MATTERS AGREEMENT 

This EMPLOYEE MATTERS AGREEMENT (this “Agreement”) is entered into on
             2012, by and among Cash America International, Inc., a Texas corporation (“CAI”), and Enova International, Inc., a Delaware corporation (“Enova”).

 RECITALS 
 WHEREAS, CAI owns all of the currently issued and outstanding Enova Common Stock; 
 WHEREAS, Enova intends to consummate an initial public offering (the “IPO”) of Enova Common Stock; 
 WHEREAS, upon completion of the IPO, CAI will continue to own a minimum of 80% of the outstanding Enova Common Stock; 
 WHEREAS, as part of the foregoing, the parties desire to enter into this Agreement to allocate between and among them the assets, liabilities and responsibilities with respect to certain employee
compensation, benefits plan and other employee-related matters; 
 NOW, THEREFORE, in consideration of the foregoing and
the covenants and agreements set forth below, the parties hereto agree as follows: 
 ARTICLE I 

DEFINITIONS 
 Wherever used in this Agreement, the following terms when used with an initial capital letter will have the meanings indicated below, unless a different meaning is plainly required by the context. The
singular will include the plural, unless the context indicates otherwise. 
 A. “CAI Benefit Plan” means any Plan
sponsored, maintained or contributed to by any member of the CAI Group immediately prior to the consummation of the IPO. 
 B.
“CAI Compensation Committee” means the Management Development and Compensation Committee of the Board of Directors of CAI. 
 C. “CAI Controlled Group” means CAI and any corporation or other entity that is required to be aggregated with CAI under Code Section 414(b) or (c). 

D. “CAI Employee” means an active employee or an employee on vacation or on approved leave of absence who, on the IPO Effective
Date, is employed by or will be employed by any member of the CAI Group. 
 E. “CAI Flexible Benefit Plans” means the
following plans maintained by a member of the CAI Group with respect to employees: (i) a Code Section 125 cafeteria plan that allows employees to pay certain benefit premiums on a pre-tax basis and (ii) the CAI FSAs. 

F. “CAI FSAs” means the following plans maintained by a member of the CAI Group with respect to employees: (i) a dependent
care spending account plan, and (ii) a healthcare spending account plan. 

  
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 G. “CAI Group” means CAI, each current and former direct or indirect subsidiary of
CAI, and each Person that becomes a direct or indirect subsidiary of CAI on or after the IPO Effective Date, but excluding any members of the Enova Group. 
 H. “CAI LTIPs” means the Cash America International, Inc. First Amended and Restated 2004 Long-Term Incentive Plan, as Amended, the Cash America International, Inc. 2008 Long Term Incentive Plan
for Cash America Net Holdings, LLC and the Cash America International, Inc. 2009 Long-Term Incentive Plan for Primary Innovations, LLC. 
 I. “CAI Medical Plan” means a Code Section 105 group health plan (within the meaning of Code Section 9832(b), including health, dental and vision benefits) sponsored by CAI.

 J. “CAI NSP” means the Cash America International, Inc. Nonqualified Savings Plan, a nonqualified deferred
compensation plan providing benefits to a select group of key management or highly compensated employees. 
 K. “CAI
Savings Plan” means the Cash America International, Inc. 401(k) Savings Plan. 
 L. “CAI SERP” means the Cash
America International, Inc. Supplemental Executive Retirement Plan. 
 M. “CAI Short-Term Incentive Plans” means the
Cash America International, Inc. Senior Executive Bonus Plan and the Cash America annual short-term incentive plan for certain employees other than executive officers. 
 N. “COBRA” means the continuation coverage requirements under Code Section 4980B and Part 6 of Title I of ERISA. 
 O. “Code” means the Internal Revenue Code of 1986, as amended, or any successor statute. 
 P. “Continuing Employee” means an Enova Employee who remains employed by any member of the Enova Group following the IPO Effective Date. 

Q. “Coverage Period” means the period from the IPO Effective Date through 11:59 p.m. on the last day of the calendar quarter
that ends after the IPO Effective Date. The Coverage Period applicable to the Payroll Services or to any particular CAI Benefit Plan may be amended upon the written agreement of the parties hereto in the manner more particularly described in Section
II(D) below with respect to CAI Benefit Plans and the Payroll Services. 
 R. “Coverage Period Employees” means the
Continuing Employees and New Hires. 
 S. “Dual Coverage Period Employee” means a Coverage Period Employee who is a
CAI Employee on the IPO Effective Date and continues to be a CAI Employee after the IPO Effective Date. 
 T. “Dual
Transitioned Employee” means a Transitioned Employee who is a CAI Employee on the IPO Effective Date and continues to be a CAI Employee after the applicable Transition Date. 

U. “Enova Benefit Plan” means any Plan to be adopted and maintained by a member of the Enova Group as contemplated in this
Agreement. 

  
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 V. “Enova Common Stock” means Enova’s common stock, par value $0.00001 per
share. 
 W. “Enova Compensation Committee” means the Management Development and Compensation Committee appointed by
the Board of Directors of Enova. 
 X. “Enova Employee” means an active employee or an employee on vacation or
paid-time-off or on approved leave of absence who, on the IPO Effective Date, is employed by or will be employed by any member of the Enova Group. 
 Y. “Enova Employee Premium Amount” means, for each Coverage Period Employee (and their dependents), an amount equal to the actuarial cost of the coverage used to determine the premium amounts
payable by a COBRA beneficiary for the same coverages being provided to such Coverage Period Employee, less the amounts of premiums paid to CAI by such Coverage Period Employee. 

Z. “Enova Flexible Benefit Plans” means the following plans maintained by Enova or another member of the Enova Group with
respect to the Transitioned Employees: (i) a Code Section 125 cafeteria plan that allows employees to pay certain benefit premiums on a pre-tax basis and (ii) the Enova FSAs. 

AA. “Enova FSAs” means the following plans maintained by Enova or another member of the Enova Group with respect to the
Transitioned Employees: (i) a dependent care spending account plan, and (ii) a health care spending account plan. 

BB. “Enova Group” means Enova, its direct and indirect subsidiaries, and each Person that becomes a direct or indirect
subsidiary of Enova on or after the IPO Effective Date. 
 CC. “Enova Medical Plan” means a Code Section 105
group health plan (within the meaning of Code Section 9832(b), including health, dental and vision benefits) maintained by Enova or another member of the Enova Group. 
 DD. “Enova NSP” means the nonqualified savings plan maintained by Enova to provide benefits to a select group of key management or highly compensated employees. 

EE. “Enova Savings Plan” means the Code Section 401(k) plan adopted by Enova or another member of the Enova Group.

 FF. “Enova SERP” means the supplemental executive retirement plan maintained by Enova. 

GG. “ERISA” means the Employee Retirement Income Security Act of 1974, as amended from time to time. 

HH. “Former CAI Employee” means, as of the IPO Effective Date, any individual who, prior to the IPO Effective Date, terminated
employment with a member of the CAI Group and did not commence employment with a member of the Enova Group. 
 II. “Former
Enova Employee” means as of the IPO Effective Date, any individual who, prior to the IPO Effective Date, terminated employment with a member of the Enova Group and did not commence employment with a member of the CAI Group. 

  
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 JJ. “HIPAA” means the preexisting condition and creditable coverage provisions of
the Health Insurance Portability and Accountability Act of 1996, as amended from time to time. 
 KK. “IPO” has the
meaning as set forth in the Recitals hereto. 
 LL. “IPO Effective Date” means the first date on which Enova stock is
offered for sale to the public under the IPO. 
 MM. “LTD” means long-term disability. 

NN. “New Hires” means any individuals hired in the normal course of business during the Coverage Period as employees of any
member of the Enova Group. 
 OO. “Payroll Services” means the services to be performed by CAI or any member of the
CAI Group pursuant to Article V hereof. 
 PP. “Performance Unit Award” means a performance unit award granted under a
CAI LTIP. 
 QQ. “Person” means an individual, a partnership, a corporation, a limited liability company, an
association, a joint stock company, a trust, a joint venture, an unincorporated organization, and a governmental entity or any department, agency or political subdivision thereof. 

RR. “Plan” means each (i) “employee benefit plan,” as such term is defined in Section 3(3) of ERISA,
(ii) plan that would be an employee benefit plan described in clause (i) of this sentence if it was subject to ERISA, such as foreign plans and plans for directors, (iii) equity bonus, equity ownership, equity option, restricted
equity, equity purchase, equity appreciation rights, phantom equity or other equity-based compensation plan or arrangement, (iv) bonus plan or arrangement, incentive award plan or arrangement, deferred compensation agreement or arrangement,
change in control or retention plan or arrangement, executive compensation or supplemental income arrangement, personnel policy, vacation or paid-time-off policy, severance pay plan, policy or agreement, consulting agreement or employment agreement,
and (v) other employee benefit plan, agreement, arrangement, program, practice or understanding. 
 SS. “Restricted
Stock Unit” means a restricted stock unit award granted under a CAI LTIP. 
 TT. “Savings Plan Transfer Date”
means a date as soon as administratively feasible after the end of the Coverage Period as of which the parties hereto agree to transfer the assets and liabilities of the applicable Transitioned Employees other than Dual Transitioned Employees under
the CAI Savings Plan to the Enova Savings Plan. 
 UU. “Separation Agreement” means the Separation Agreement, of even
date herewith, by and among CAI and Enova. 
 VV. “STD” means short-term disability. 

WW. “STI” means short-term incentive plan. 
 XX. “Transition Date” means the date immediately following the last day of the Coverage Period. 

  
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 YY. “Transition Services Agreement” means the transition services agreement of
even date herewith, by and between CAI and Enova. 
 ZZ. “Transitioned Employees” means the Coverage Period Employees
who remain employed by any member of the Enova Group on the applicable Transition Date. 
 AAA. “WC Switchover Date”
means the date Enova establishes its own workers’ compensation insurance (or comparable program) and begins covering any injuries, illnesses or other conditions that are incurred by any employee or former employee of the Enova Group in the
course of employment with any member of the Enova Group, with such date to be mutually agreed upon by the parties hereto in writing; provided, however, such date shall be no earlier than the IPO Effective Date and no later than the last day of the
third full calendar month following the date CAI first ceases to own a majority of the outstanding common stock of Enova. 

ARTICLE II 

GENERAL PRINCIPLES 
 A. Assumption and Retention of Enova Group Liabilities. Except as specified otherwise in this Agreement or as mutually agreed upon by Enova and CAI from time to time, effective as of the IPO
Effective Date, Enova shall, or shall cause one or more members of the Enova Group to, assume or retain, as applicable, and pay, perform, fulfill and discharge, in accordance with their respective terms, (i) all liabilities of, or relating to
Enova Employees and Former Enova Employees with respect to, arising out of, or resulting from future, present or former employment with the Enova Group (including, without limitation, liabilities relating to, arising out of, or resulting from the
CAI Benefit Plans for such Enova Employees and Former Enova Employees), and (ii) any other liabilities or obligations expressly assigned to any member of the Enova Group under this Agreement. 

B. Assumption and Retention of CAI Group Liabilities. Except as specified otherwise in this Agreement or as mutually agreed upon
by CAI and Enova from time to time, effective as of the IPO Effective Date, CAI shall, or shall cause one or more members of the CAI Group to, assume or retain, as applicable, and pay, perform, fulfill and discharge, in accordance with their
respective terms, (i) all liabilities of, or relating to, CAI Employees and Former CAI Employees relating to, arising out of, or resulting from future, present or former employment with the CAI Group (including, without limitation, liabilities
relating to, arising out of, or resulting from the CAI Benefit Plans for CAI Employees and Former CAI Employees), and (ii) any other liabilities or obligations expressly assigned to any member of the CAI Group under this Agreement. 

C. No Obligation to Maintain Plans. Except as specified otherwise in this Agreement, nothing in this Agreement will
preclude the CAI Group or the Enova Group at any time from amending, merging, modifying, terminating, eliminating, reducing, or otherwise altering in any respect any of their respective Plans, any benefit under any such Plan or any trust associated
with such a Plan, any insurance policy or funding vehicle related to any such Plan, or any employment or other service arrangement with their respective employees or vendors (to the extent permitted by law). 

D. Participation by Enova Group in CAI Benefit Plans following the IPO Effective Date. As of and following the IPO Effective Date,
Enova Employees will participate in certain CAI Benefit Plans to the extent and pursuant to the terms specified in this Agreement. Notwithstanding anything in this Agreement to the contrary and unless otherwise prohibited by applicable law or the
provisions of any applicable CAI Benefit Plan, the parties acknowledge that Enova may establish one or more Enova Benefit Plans during the Coverage Period, and the Coverage Period Employees (other than 

  
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Dual Coverage Period Employees) may cease to participate in the corresponding CAI Benefit Plans prior to the expiration of the Coverage Period, subject to the written agreement of the parties but
without the requirement to amend this Agreement. In such event, the Coverage Period applicable to such CAI Benefit Plan shall expire on the date the Coverage Period Employees (other than Dual Coverage Period Employees) cease to participate in such
CAI Benefit Plan, and it is expressly agreed that under such a circumstance the Coverage Period for such particular CAI Benefit Plan may expire on a different date than the Coverage Period expires for other CAI Benefit Plans or with respect to the
Payroll Services. The parties may also agree in writing that CAI will administer any Enova Benefit Plan that is established during the Coverage Period. 
 E. Executive Change-in-Control Severance Agreements. On or before the IPO Effective Date, Enova will enter into an executive change-in-control severance and restricted covenant agreement
with its President, and that certain First Amended and Restated Executive Change-in-Control Severance Agreement dated January 25, 2012, by and between such individual and CAI will be terminated. On or about the IPO Effective Date, Enova intends
to enter into executive change-in-control severance and restrictive covenant agreements with each of its other executive officers and certain key Enova Employees as selected by Enova. 

ARTICLE III 

BENEFIT PLAN/PARTICIPATION DURING COVERAGE PERIOD 
 A. Medical Benefits. 
 (1)
Participation. As of the Transition Date, Enova’s participation in the CAI Medical Plan will automatically end, and Enova will begin providing medical coverage under the Enova Medical Plan to
(i) all Continuing Employees (other than Dual Transitioned Employees who retain coverage under the CAI Medical Plan) and their dependents (which for purposes of this Agreement includes any beneficiaries receiving coverage as a result of a
qualified medical child support order)who are covered under the CAI Medical Plan on the last day of the Coverage Period with respect to all claims incurred on or after the Transition Date, (ii) all Enova Employees, Former Enova Employees (other
than Dual Transitioned Employees who choose to retain coverage under the CAI Medical Plan), and their dependents with respect to all claims incurred on or before the last day of the Coverage Period but not paid as of the last day of the Coverage
Period and (iii) all Enova Employees hired on or after the Transition Date. For purposes of this Agreement, a group health plan claim will be considered incurred when services are rendered or supplies or medications are provided, and not when
the condition arose. (See Section B below regarding health plan coverage of COBRA qualified beneficiaries.) 
 (2)
Operation, Administration and Costs. During the Coverage Period, CAI will be responsible for operating and administering the medical claims for Enova Employees and their spouses and dependents under the CAI Medical Plans. Enova will be
responsible for reimbursing CAI an Enova Employee Premium Amount for the costs of operating and administering the medical claims for Coverage Period Employees and their spouses and dependents during such Coverage Period. Beginning on the Transition
Date, Enova will be responsible and liable for the payment of all premiums with respect to Coverage Period Employees (other than Dual Transitioned Employees who choose to retain coverage under the CAI Medical Plans) and their spouses and dependents.

  
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 B. COBRA and HIPAA. 

(1) COBRA During Coverage Period. During the Coverage Period, CAI will be responsible and liable for the COBRA
administration under the CAI Medical Plan with respect to Coverage Period Employees, Former Enova Employees and their spouses and dependents who are qualified beneficiaries, including providing the appropriate COBRA notices and providing any
coverage required under COBRA with respect to such individuals for any qualifying event (as defined in COBRA) occurring before or during the Coverage Period. Following the end of the Coverage Period, Enova will be responsible for providing
(i) appropriate COBRA notices for any qualifying event occurring after such Coverage Period, (ii) making available after the end of such Coverage Period any coverage required under COBRA with respect to the Transitioned Employees (and
their qualified beneficiaries) for any qualifying events that occur after the end of such Coverage Period; and (iii) making available after the end of such Coverage Period any coverage required under COBRA with respect to any Coverage Period
Employees and any Former Enova Employees (and their spouses and dependents) for any qualifying events that occurred before or during such Coverage Period. Notwithstanding the foregoing, CAI will remain responsible and liable for COBRA administration
and coverage under the CAI Medical Plans for Dual Transitioned Employees who choose to remain covered under the CAI Medical Plans following the Transition Date. 
 (2) HIPAA During Coverage Period. CAI will be responsible for providing a timely certificate of creditable coverage (within the meaning of HIPAA) to each Coverage Period Employee (and
covered dependents) for any HIPAA triggering event which occurs during the Coverage Period. 
 (3) Transition of
HIPAA. As of the Transition Date, CAI will be responsible for providing a timely certificate of creditable coverage to each Coverage Period Employee (and covered dependents) with respect to such person’s termination of coverage under
the CAI Medical Plan(s). Following the end of the Coverage Period, Enova will be responsible for providing a timely certificate of creditable coverage to each Transitioned Employee (and covered dependents) with respect to such person’s
termination of coverage under the Enova Medical Plan(s). 
 C. Flexible Benefit Plans. 

(1) Participation. As of the Transition Date, the Transitioned Employees will participate in, and will have the same
coverages and elections under, the Enova Flexible Benefit Plans as in effect under the CAI Flexible Benefit Plans immediately before the Transition Date (which elections will be deemed to apply under the Enova Flexible Benefit Plans). 

(2) FSA Plans Operation and Administration. During the Coverage Period, CAI will be responsible for operating and
administering the CAI FSAs for the Coverage Period Employees. Any unused balances in the CAI FSA accounts for the Continuing Employees (other than Dual Transitioned Employees who choose to remain covered under the CAI Medical Plans following the IPO
Effective Date) will be credited to the Enova FSA accounts within a two-week period following the Transition Date for such Continuing Employees. A blackout period will occur during the fund transfer period. 

(3) Cafeteria Plan Operation and Administration. During the Coverage Period, CAI will be responsible for operating and
administering the CAI cafeteria plan, which provides for pre-tax payment of employees’ CAI Medical Plan premiums, for the Coverage Period Employees. 

  
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 D. Savings Plans. 

(1) Participation. During the Coverage Period, the Coverage Period Employees will participate in the CAI Savings Plan. CAI
will adopt any plan amendments and take all other actions necessary to allow the Coverage Period Employees to participate in the CAI Savings Plan during the Coverage Period. Effective as of the Transition Date, the Transitioned Employees (other than
Dual Transitioned Employees) will cease active participation in the CAI Savings Plan. CAI or another member of the CAI Group will take all actions necessary to provide that Coverage Period Employees will receive the matching contributions and other
employer contributions that are provided for all other participants in the CAI Savings Plan during the Coverage Period (subject to any cost-sharing or reimbursement arrangements in effect between the parties for such costs during such period). CAI
or another member of the CAI Group will take all actions necessary to terminate the designation of all members of the Enova Group as participating companies in the CAI Savings Plan, effective as of the Transition Date. 

(2) Contributions. CAI will be responsible and liable for making contributions to the CAI Savings Plan for services
provided prior to the Transition Date (subject to any cost-sharing or reimbursement arrangements in effect between the parties for such costs during such period). Except as otherwise payable under the terms of this Agreement, Enova will be
responsible and liable for paying to CAI, or reimbursing CAI for, all contributions payable under such plan for the Coverage Period Employees for services provided as an employee of any member of the Enova Group during the Coverage Period. Enova
will be responsible and liable for making contributions to the Enova Savings Plan for services provided on and after the Transition Date. 
 (3) Plan-to-Plan Transfer. On the Savings Plan Transfer Date, CAI will cause the trustee of the CAI Savings Plan to transfer directly to the trustee of the Enova Savings Plan the account
balance of each Transitioned Employee under the CAI Savings Plan (other than the account balance of any Dual Transitioned Employee attributable to contributions made under the CAI Savings Plan for services provided as an employee of any member of
the CAI Group). Enova will take all steps necessary to cause the Enova Savings Plan and related trust to accept such transfer. Such transfer will comply with all requirements of the Code and ERISA (including, but not limited to, Code
Section 414(l), ERISA Section 101(i), and any governmental notification requirements), and will be carried out under procedures mutually agreeable to CAI and Enova. 
 E. Deferred Compensation Plans. 
 (1) Participation. During
the Coverage Period, the Coverage Period Employees will participate in the CAI NSP, and any existing deferral elections made by Coverage Period Employees under the CAI NSP will remain in effect in accordance with the terms of the CAI NSP. CAI will
amend the CAI NSP and take all other actions necessary to allow the Coverage Period Employees to participate in the CAI NSP during the Coverage Period. Effective as of the Transition Date, the Transitioned Employees (other than Dual Transitioned
Employees) will cease active participation in the CAI NSP and will instead commence participation in the Enova NSP at the same level of deferral as was in effect under the CAI NSP. CAI or another member of the CAI Group will take all actions
necessary to provide that Coverage Period Employees are entitled to matching contributions and other employer contributions under the same terms that such contributions are provided for all other participants in the CAI NSP during the Coverage
Period (subject to any cost-sharing or reimbursement arrangements in effect between the parties for such costs during such period). CAI or another member of the CAI Group and each member of the Enova Group will take all actions necessary to
terminate participation in the CAI NSP by members of the Enova Group, effective as of the Transition Date. 

  
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 (2) Contributions. CAI will be responsible and liable for making contributions
to the CAI NSP with respect to Coverage Period Employees for services provided prior to the Transition Date (subject to any cost-sharing or reimbursement arrangements in effect between the parties for such costs during such period). Except as
otherwise payable under the terms of this Agreement, Enova will be responsible and liable for paying to CAI, or reimbursing CAI for all, contributions payable under such plan for the Coverage Period Employees for services provided as an employee of
any member of the Enova Group during the Coverage Period. Enova will be responsible and liable for making contributions to the Enova NSP for services provided on and after the Transition Date. 

(3) Plan-to-Plan Transfer. As soon as administratively feasible after the end of the Coverage Period, CAI will cause the
rabbi trustee of the CAI NSP to transfer directly to the rabbi trustee of the Enova NSP the assets reflecting the account balance of each Transitioned Employee under the CAI NSP (other than the account balance of any Dual Transitioned Employee
attributable to contributions made under the CAI NSP for services provided as an employee of any member of the CAI Group). Enova will take all steps necessary to cause the Enova NSP rabbi trust to accept such transfer. Such transfer will be carried
out under procedures mutually agreeable to CAI and Enova. To the extent that assets representing a Transitioned Employee’s benefits under the CAI NSP are transferred as provided herein, the liability and responsibility to pay such benefits will
be transferred to the Enova NSP, and Enova shall continue to have the liability for such benefits. 
 (4) Effect of
IPO. CAI and Enova acknowledge that the IPO (i) will not result in a “separation from service” or a “change in control” (as such terms are defined under Code Section 409A and the CAI NSP) for purposes of the CAI
NSP or (ii) result in the cancellation of any outstanding deferral election made by an Enova Employee under the CAI NSP. 

F. Supplemental Executive Retirement Plans. 
 (1) Contributions. CAI will not be liable to make any contributions on behalf of Coverage Period Employees to the CAI SERP with respect to any plan year ending after the IPO Effective Date
under the CAI SERP (except for contributions on behalf of any Dual Coverage Period Employee for services performed as an employee of a member of the CAI Group). Enova will be responsible and liable for making any contributions for such years under
the Enova SERP. 
 (2) Plan-to-Plan Transfer. As soon as administratively feasible after the end of the Coverage
Period, CAI will cause the rabbi trustee of the CAI SERP to transfer directly to the rabbi trustee of the Enova SERP the assets reflecting the account balance of each Transitioned Employee under the CAI SERP (other than the account balance of any
Dual Transitioned Employee attributable to contributions made under the CAI SERP for services provided as an employee of any member of the CAI Group). Enova will take all steps necessary to cause the Enova SERP rabbi trust to accept such transfer.
Such transfer will be carried out under procedures mutually agreeable to CAI and Enova. To the extent that assets representing a Transitioned Employee’s benefits under the CAI SERP are transferred as provided herein, the liability and
responsibility to pay such benefits will be transferred to the Enova SERP, and Enova shall continue to have the liability for such benefits. 
 (3) Effect of IPO. CAI and Enova acknowledge that the IPO will not result in a “separation from service” or a “change in control” (as such terms are defined under Code
Section 409A and the SERP) for purposes of the CAI SERP. 

  
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 G. Disability Benefits. 

(1) Long-Term Disability Benefits. Effective on the Transition Date, Enova will no longer participate in the long-term
disability (“LTD”) benefit plan (pay continuance and/or health and welfare benefits, as applicable) maintained by CAI. Enova will enter into a separate LTD plan effective on the Transition Date for Transitioned Employees. LTD benefits for
Coverage Period Employees will be paid based on the date of disability. Any Coverage Period Employee who becomes disabled prior to Enova’s LTD plan effective date and becomes eligible for LTD benefits will receive benefits under the CAI LTD
plan (subject to any cost-sharing or reimbursement arrangements in effect between the parties for such costs during such period). Any Transitioned Employee who becomes disabled on or after the Transition Date and becomes eligible for LTD benefits
will be eligible for LTD benefits under the Enova LTD plan. Such LTD benefits shall be payable in accordance with the terms of the applicable CAI and Enova LTD plans. 
 (2) Short-Term Disability Benefits. Effective on the Transition Date, Enova will no longer participate in the short-term disability (“STD”) benefit plan (pay continuance and/or
health and welfare benefits, as applicable) maintained by CAI. Enova will establish a separate STD plan effective on the Transition Date for Coverage Period Employees and Former Enova Employees who terminated employment on or after the Transition
Date. STD benefits for such employees will be paid based on the date of disability. Any such employee who becomes disabled prior to the Transition Date will receive benefits under the CAI STD plan (subject to any cost-sharing or reimbursement
arrangements in effect between the parties for such costs during such period and for any period following the Transition Date to the extent a Transitioned Employee’s STD benefits continue to be covered by the CAI STD plan). Any such employee
who becomes disabled on or after the Enova STD plan effective date will be eligible for STD benefits under the Enova STD plan. STD benefits shall be payable in accordance with the terms of the applicable CAI and Enova STD plans. 

ARTICLE IV 

WORKERS’ COMPENSATION LIABILITIES 
 A. Coverage Prior to WC Switchover Date. From the date hereof through the WC Switchover Date, CAI will, consistent with practices in effect prior to the date hereof, maintain, remain responsible
and retain liability for, and administer all workers’ compensation insurance (or comparable programs) and related workers’ compensation claims administration activities as they relate to any employee or former employee of any member of the
Enova Group; provided, however, that Enova will reasonably cooperate with, and provide such information to, CAI as needed in order for CAI to perform its obligations under this sentence. During the period between the date hereof and through the WC
Switchover Date, CAI will pay the expenses (when due, whether before or after the WC Switchover Date) of the workers’ compensation insurance programs and the administration thereof (including the expense of weekly benefits, medical and
rehabilitation expenses, and any other expenses or obligations related to, or payable on account of any injuries, illnesses or other conditions of any employee or former employee of any member of the Enova Group that are incurred before the WC
Switchover Date). Enova will reimburse CAI for the costs of, and benefits paid under, CAI’s workers’ compensation program and the administration thereof that are allocable to Enova, with such allocation to be determined in a manner
consistent with the cost-sharing allocation and reimbursement arrangements that existed between CAI and Enova for such programs and activities prior to the date hereof or as may otherwise be agreed upon by CAI and Enova. 

  
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 B. Coverage On and After the WC Switchover Date. On the WC Switchover Date, Enova
shall establish its own workers’ compensation insurance program (or comparable program) and all employees and former employees of any member of the Enova Group shall thereupon be covered under Enova’s such program with respect to any
injuries, illnesses or other conditions that are incurred in the course of employment with any member of the Enova Group on or after the WC Switchover Date, and CAI shall have no further responsibilities or obligations with respect to workers’
compensation insurance programs or the administration thereof as they relate to injuries, illnesses or other conditions incurred on or after the WC Switchover Date by any employee or former employee of any member of the Enova Group. 

ARTICLE V 

PAYROLL SERVICES 
 A. Payroll Processing. During the Coverage Period, CAI will act as a payroll agent with respect to compensation paid to Coverage Period Employees (and for the severance
pay for any Former Enova Employees) for services performed for members of the Enova Group. Such amounts will include, without limitation, pay for salary, wages, bonuses, commissions, vacation or paid-time-off, holiday, sick leave and other paid
leaves of absence, and any severance or separation pay. CAI will fund any payroll to be paid by members of the Enova Group to Coverage Period Employees during the Coverage Period. 

B. Payroll Withholding and Reimbursement During the Coverage Period, all Coverage Period Employees’ payroll withholding
elections (such as those related to income taxes, charitable contributions, CAI Savings Plan, CAI NSP, group health and welfare plans, political action committee contributions, etc.) will remain the same, except to the extent a Coverage Period
Employee elects (in a manner permitted to employees and plan participants generally) to change any such election. Enova will pay to CAI or reimburse it for the amount paid by CAI with respect to Coverage Period Employees through its payroll system
during the Coverage Period (including, but not limited to, payments for compensation, bonuses, FICA taxes (including both employer and employee portions), employment taxes and benefits) to the extent such amounts relate to employment by Enova of the
Coverage Period Employees during the Coverage Period. 
 C. Payroll Transition. During and after the Coverage Period, CAI
will make reasonable efforts to assist Enova in the conversion of payroll data for the Coverage Period Employees from the CAI payroll system to the third party payroll administrator selected by Enova to process its payroll effective immediately
after the Coverage Period. 
 D. Employment Tax Deposits and Reporting. CAI or its third party payroll tax services
provider will timely remit all employment taxes withheld from the pay of Coverage Period Employees to the applicable U.S. federal, state and local taxing authorities. CAI or its third party payroll tax services provider will be responsible for the
preparation and distribution of Forms W-2 and similar forms required by other US taxing jurisdictions for the Coverage Period Employees (and amendments thereto; for example, Forms W-2c) for years ending before the Transition Date. Any year-end tax
adjustments related to U.S. payroll for such years will be submitted to and paid by CAI or its third party payroll tax services provider during such year or the immediately following year; and Enova shall reimburse CAI or its third party payroll tax
services provider for any such payments. CAI will respond to all questions and inquiries from Enova, U.S. federal, state and local agencies, and other persons regarding payroll and employment data and history relating to the Coverage Period
Employees for periods ending before the Transition Date. Enova or its third party payroll service provider will be responsible for withholding and timely remitting of foreign employment taxes for Coverage Period Employees and for employment tax
reporting to foreign taxing jurisdictions. 

  
 11 

 E. Reimbursements by Enova. Enova will reimburse CAI for all amounts paid by CAI with
respect to Enova Employees and Former Enova Employees under this article. 
 ARTICLE VI 

EQUITY-BASED AND INCENTIVE COMPENSATION 
 A. Modification of Awards Granted to Enova Employees under CAI Incentive Plans. Enova Employees will be eligible to participate and receive awards pursuant to the CAI LTIPs during the portion of
2012 that is prior to the IPO Effective Date, subject to the discretion and approval of the CAI Compensation Committee. Outstanding awards granted under any CAI LTIP and held by Enova Employees on the day before the IPO Effective Date may be
terminated, adjusted or continue to be administered under the applicable CAI LTIP until CAI ceases to own a majority of the outstanding Enova Common Stock to the extent provided in this Article VI. On the IPO Effective Date, the authority to
administer the 2012 CAI STI Terms and Conditions for Enova Employees and for the Enova Division President including the certification of the full year 2012 financial results of Enova and the approval of the 2012 STI pools and individual awards, will
be transitioned to the Enova Compensation Committee. After the IPO Effective Date, Enova Employees (other than Dual Coverage Period Employees) will cease to be eligible to receive grants of awards pursuant to the CAI LTIP and cease to be eligible to
participate in any of the 2012 STI plans established for CAI Employees and executives that are to be administered by the CAI Compensation Committee. 
 B. Acceleration of Awards. Prior to the IPO Effective Date, CAI in its discretion may choose to accelerate the vesting and payment, in whole or in part, of any CAI LTIP awards held by
an Enova Employee to the extent consistent with the terms of an award or as permitted by the terms of the applicable CAI LTIP, and in accordance with any applicable participant consent requirements of the award or the CAI LTIP, CAI may cancel the
unvested portion of any award that is not accelerated. 
 C. Assumption of Awards. To the extent that any CAI LTIP award
(other than any Restricted Stock Unit award) or any STI award held by an Enova Employee (other than a Dual Coverage Period Employee) is not cancelled prior to, or as of, the IPO Effective Date, all liabilities and rights under such award will be
assumed by Enova as of the IPO Effective Date. Any determination required to be made by the CAI Compensation Committee under such award will, if made on or after the IPO Effective Date, be made by the Enova Compensation Committee. 

D. Restricted Stock Units. Each Restricted Stock Unit award granted under a CAI LTIP and held by a Coverage Period Employee (other
than a Dual Coverage Period Employee) that remains outstanding on the IPO Effective Date will continue to be administered under the applicable CAI LTIP after the IPO Effective Date. 

E. Performance Unit Awards. 
 (1) Performance Unit Awards Granted Under the Cash America International, Inc. First Amended and Restated 2004 Long-Term Incentive Plan, as Amended. The agreements for the Performance Unit
Awards that were granted on February 28, 2011 and January 25, 2012 and otherwise would be outstanding and held by Enova Employees as of the IPO Effective Date will be amended to provide that the portion of such outstanding Performance Unit
Awards that are scheduled to vest on January 1, 2013 under the Performance Unit Award agreements will instead vest on the day before the IPO Effective Date and the remaining portion of such Performance Units will be cancelled. The value of the
vested portion of such Performance Unit Awards will be based on a percentage of 

  
 12 

 
Enova’s year-to-date incremental 2012 EBITDA growth compared to the same period year-to-date 2011 EBITDA. Final award payments will be subject to achievement of certain thresholds and the
approval of the CAI Compensation Committee. The amendment to each such award agreement will be effective only if the applicable Enova Employee consents to the amendment and waives the right to receive any future payment under the award agreement.

 (2) Unit Awards Granted Under the Cash America International, Inc. 2008 Long Term Incentive Plan for Cash America Net
Holdings, LLC. Outstanding Performance Unit awards granted under the Cash America International, Inc. 2008 Long Term Incentive Plan for Cash America Net Holdings, LLC will become fully vested on the IPO Effective Date provided that the Enova
Employees holding such outstanding awards consent and waive the right to receive any future payment under such Performance Unit awards. The value of such vested performance units will be determined per the original Cash America International, Inc.
2008 Long Term Incentive plan for Cash America Net Holdings, LLC, subject to the discretion and approval of the CAI Compensation Committee. 
 (3) Unit Awards Granted Under the Cash America International, Inc. 2009 Long Term Incentive Plan for Primary Innovations, LLC. No amendments will be made to the Cash America International,
Inc. 2009 Long Term Incentive Plan for Primary Innovations, LLC as a result of the IPO. Any outstanding unvested Performance Unit awards granted under the Cash America International, Inc. 2009 Long Term Incentive Plan for Primary Innovations, LLC,
will be cancelled, effective on the date, if any, on which CAI ceases to own a majority of the outstanding Enova Common Stock. 

F. Grants Made on or After the IPO Effective Date. Except as expressly provided above, all grants of long-term
incentive or short-term incentive awards made to Enova Employees on or after the IPO Effective Date will be made under the long-term or short-term incentive plans established by Enova. 

ARTICLE VII 

ADMINISTRATIVE PROVISIONS 
 A. Administrative Expenses Not Chargeable to a Trust. Effective as of the IPO Effective Date, to the extent not otherwise agreed to in writing by CAI and Enova, and to the extent not
charged to a trust established in connection with a Plan, Enova will be responsible, through either direct payment or reimbursement to CAI in accordance with the Transition Services Agreement, for its allocable share of actual expenses, including
third party and/or vendor costs and expenses and additional costs and expenses incurred by CAI (subject to the methodology reasonably agreed upon by CAI and Enova), in the administration of (i) the CAI Benefit Plans while employees of any
member of the Enova Group participate in such CAI Benefit Plans, and (ii) the Enova Benefit Plans, to the extent CAI procures, prepares, implements and/or administers such Enova Benefit Plans. 

B. Sharing of Participant and Plan Information. CAI and Enova will share, or cause to be shared to the extent
permitted under applicable law, all participant information that is necessary or appropriate for the efficient and accurate administration of each of the CAI Benefit Plans and the Enova Benefit Plans during the respective periods applicable to such
Plans as CAI and Enova may mutually agree. CAI and Enova will cooperate in the performance of nondiscrimination testing applicable to any CAI Benefit Plans and Enova Benefit Plans for periods following the IPO Effective Date during which Enova is a
member of the CAI Controlled Group. CAI and Enova and their respective authorized agents will, subject to applicable laws of confidentiality and data protection, be given reasonable and timely access to, and may make copies of, all information
relating to the subjects of this Agreement in the custody of another party or its agents, to the extent necessary or appropriate for such administration. To the extent required by law, CAI and/or Enova will execute separate confidentiality
agreements with respect to such information. 

  
 13 

 C. Beneficiary Designation. To the extent applicable and subject to
third party administrators’ capabilities, all beneficiary designations made by Enova Employees under the CAI Benefit Plans will be transferred to and be in full force and effect under the corresponding Enova Benefit Plans, in accordance with
the terms of each such applicable Enova Benefit Plan, until such beneficiary designations are replaced or revoked by the Enova Employee who made the beneficiary designation. 
 D. Deemed Adoption of Plans. To the extent that this Agreement provides for Coverage Period Employees to participate in any CAI Benefit Plan during any Coverage Period, Enova and other members of
the Enova Group will be deemed to have adopted such CAI Benefit Plan as a participating employer during such Coverage Period, and CAI will be deemed to have approved such adoption. 

E. Requests for Regulatory Approvals and Opinions. The parties hereto will make such applications to regulatory
agencies as may be necessary or appropriate to implement the provisions of this Agreement. The parties hereto will cooperate fully with one another on any issue relating to the transactions contemplated by this Agreement for which CAI and Enova
elect to seek a determination letter, private letter ruling or other approval or opinion from a governmental authority or regulatory agency. 
 F. Fiduciary Matters. CAI and Enova each acknowledge that actions contemplated to be taken pursuant to this Agreement may be subject to fiduciary duties or standards of conduct under
ERISA or other applicable law, and that no party will be deemed to be in violation of this Agreement if such party fails to comply with any provisions hereof based upon such party’s good faith determination that to do so would violate such a
fiduciary duty or standard. 
 G. Administrative Services. CAI will provide certain administrative services
to the Enova Group during the period between the IPO Effective Date and the final Transition Date in conjunction with both the CAI Benefit Plans and the Enova Benefit Plans in such manner as CAI and Enova may mutually agree. Enova and the other
members of the Enova Group will reimburse CAI for any and all direct and indirect costs associated with such services as agreed to by the parties in the Transition Services Agreement. 

ARTICLE VIII 
 EMPLOYMENT-RELATED MATTERS 
 A. Personnel Records.
Subject to applicable laws on confidentiality and data protection, CAI will deliver to Enova prior to or as soon as administratively feasible following the applicable Transition Date (or such other date as CAI and Enova may agree), personnel
records of Enova Employees to the extent such records relate to Enova Employees’ active employment by, leave of absence from, or termination of employment with, the CAI Group. 

B. Confidentiality and Proprietary Information. No provision of this Agreement will be deemed to release any
individual for any violation of any CAI non-competition guidelines or any agreement or policy pertaining to confidential or proprietary information of any member of the CAI Group, or otherwise relieve any individual of his or her obligations under
such non-competition guideline, agreement or policy. 
 C. No Third-Party Beneficiaries. No provision of
this Agreement will be construed to create any right or accelerate entitlement to any compensation or benefit whatsoever on the part of any CAI Employee, Enova Employee, Former CAI Employee, Former Enova Employee or other former, present or future
employee of any member of the CAI Group or the Enova Group under any CAI Benefit Plan or Enova Benefit Plan or otherwise. 

  
 14 

 D. Employment Litigation. The Enova Group will have the sole
responsibility for all employment-related claims that exist, or come into existence, on or after the IPO Effective Date relating to, arising out of, or resulting from any individual’s employment with the Enova Group, except that CAI will be
responsible for any such claims relating to, arising out of, or resulting from the CAI Benefit Plans to the extent not assumed or retained by the Enova Group hereunder. 
 ARTICLE IX 
 GENERAL PROVISIONS 

A. Effect if IPO Does Not Occur. If the IPO is terminated pursuant to the Underwriting Agreement, then all actions
and events that are, under this Agreement, to be taken or occur effective as of the IPO Effective Date, or otherwise in connection with the IPO, will not be taken or occur except to the extent specifically agreed otherwise by the parties hereto.

 B. Construction. The parties have participated jointly in the negotiation and drafting of this Agreement. If an
ambiguity or question of intent or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties and no presumption or burden of proof shall arise favoring or disfavoring any party because of the authorship of any
provision of this Agreement. Any reference to any federal, state, provincial, territorial, local, or foreign law shall be deemed also to refer to such law as amended and all rules and regulations promulgated thereunder, unless the context requires
otherwise. Any reference to any contract or agreement (including schedules, exhibits and other attachments thereto), including this Agreement, shall be deemed also to refer to such contract or agreement as amended, restated, or otherwise modified,
unless the context requires otherwise. The words “include,” “includes,” and “including” shall be deemed to be followed by “without limitation.” Pronouns in masculine, feminine, and neuter genders shall be
construed to include any other gender, and words in the singular form shall be construed to include the plural and vice versa, unless the context requires otherwise. The words “this Agreement,” “herein,” “hereof,”
“hereby,” “hereunder,” and words of similar import refer to this Agreement as a whole and not to any particular subdivision unless expressly so limited. Where this Agreement states that a party “will” or
“shall” perform in some manner or otherwise act or omit to act, it means that such party is legally obligated to do so in accordance with this Agreement. The captions, titles, and headings included in this Agreement are for convenience
only and do not affect this Agreement’s construction or interpretation. Any reference to an Article, Section, or Schedule in this Agreement shall refer to an Article or Section of, or Schedule to, this Agreement, unless the context otherwise
requires. This Agreement is for the sole benefit of the parties and does not, and is not intended to, confer any rights or remedies in favor of any Person (including any employee, director or shareholder of CAI or any employee, director or
shareholder of Enova) other than the parties. 
 C. Relationship of Parties. Nothing in this Agreement will
be deemed or construed by the parties or any third party as creating the relationship of principal and agent, partnership or joint venture between the parties, the understanding and agreement being that no provision contained herein, and no act of
the parties, will be deemed to create any relationship between the parties other than the relationship set forth herein. 
 D.
Guarantees. CAI will cause to be performed and hereby guarantees the performance of any and all actions of each of the members of the CAI Group to the extent such actions are necessary or appropriate to effectuate the provisions
of this Agreement. Enova will cause to be performed and hereby guarantees the performance of any and all actions of each of the members of the Enova Group to the extent such actions are necessary or appropriate to effectuate the provisions of this
Agreement. 

  
 15 

 E. Dispute Resolution. Any controversy, dispute or claim arising out
of, in connection with, or in relation to the interpretation, performance, nonperformance, validity, termination or breach of this Agreement or otherwise arising out of, or in any way related to this Agreement or the transactions contemplated
hereby, including, without limitation, any claim based on contract, tort, statute or otherwise, will be governed by, and be subject to, the provisions of Article V of the Separation Agreement. 

F. Governing Law. To the extent not preempted by applicable federal or foreign law, including, without limitation,
ERISA, the Code and applicable securities laws, this Agreement will be governed by, construed and interpreted in accordance with the laws of the State of Texas, irrespective of the choice of law principles of any other state, as to all matters,
including matters of validity, construction, effect, performance and remedies. 
 G. Assignment. This
Agreement will inure to the benefit of and be binding upon the parties hereto and their respective legal representatives and successors, and nothing in this Agreement, express or implied, is intended to confer upon any other Person any rights or
remedies of any nature whatsoever under or by reason of this Agreement. There are no third party beneficiaries having rights under or with respect to this Agreement. No party may assign this Agreement or any rights or obligations hereunder, without
the prior written consent of the other party, and any such assignment will be void; provided, however, that any party may assign this Agreement to a successor entity in conjunction with such party’s reincorporation. Notwithstanding the
foregoing, each party (or its successive assignees or transferees hereunder) may, without such consent, assign or transfer this Agreement to a Person that succeeds to all or substantially all of its business or assets of such party as long as such
Person agrees to accept all of the terms set forth herein. 
 H. Survivability. If any term or other
provision of this Agreement is determined to be invalid, illegal or incapable of being enforced by any rule of law or public policy, all other conditions and provisions of this Agreement will nevertheless remain in full force and effect so long
as the economic or legal substance of the transactions contemplated hereby is not affected in any manner materially adverse to any party hereto. Upon such determination that any term or other provision is invalid, illegal or incapable of being
enforced, the parties hereto will negotiate in good faith to modify this Agreement so as to effect the original intent of the parties as closely as possible and in an acceptable manner to the end that transactions contemplated hereby are fulfilled
to the fullest possible extent. 
 I. Amendment. This Agreement may only be amended by a written agreement
executed by all parties hereto. 
 J. Conflict. In the event of any conflict between the provisions of this
Agreement and the Separation Agreement, the provisions of this Agreement will control. In the event of any conflict between the provisions of this Agreement and any Plan, the provisions of this Agreement will control. 

K. Counterparts. This Agreement may be executed in separate counterparts, each of which will be deemed an original
and all of which, when taken together, will constitute one and the same agreement. Any signature affixed to this Agreement by a party hereto may be delivered by such party to the other party via electronic or facsimile transmission and any
party’s signature affixed to this Agreement that is delivered to the other party via an electronic or facsimile transmission shall be treated as an original signature to this Agreement and will constitute an original counterpart of this
Agreement. 
 L. Authority. Each party represents to the other party that (a) it has the corporate power and
authority to execute, deliver, and perform this Agreement, (b) the execution, delivery, and performance of this Agreement by it have been duly authorized by all necessary corporate or other actions, (c) it has duly and validly executed and
delivered this Agreement, and (d) this Agreement is its legal, valid, and binding obligation, enforceable against it in accordance with its terms, subject to applicable bankruptcy, insolvency, reorganization, moratorium, or other similar laws
affecting creditors’ rights generally and general equity principles. 

  
 16 

 M. Waiver. A provision of this Agreement may be waived only by a writing signed by
the party intended to be bound by the waiver. A party is not prevented from enforcing any right, remedy, or condition in the party’s favor because of any failure or delay in exercising any right or remedy or in requiring satisfaction of any
condition, except to the extent that the party specifically waives the same in writing. A written waiver given for one matter or occasion is effective only in that instance and only for the purpose stated. A waiver once given is not to be construed
as a waiver for any other matter or occasion. Any enumeration of a party’s rights and remedies in this Agreement is not intended to be exclusive, and a party’s rights and remedies are intended to be cumulative to the extent permitted by
Law and include any rights and remedies authorized in Law or in equity. 
 N. Notices. Any notice, instruction, direction
or demand under the terms of this Agreement required to be in writing shall be duly given upon delivery, if delivered by hand, facsimile or other generally accepted means of electronic transmission, or mail (with postage prepaid), to the following
addresses: 
  

	 	(1)	If to Enova to: 

 Enova International, Inc. 
 200 W. Jackson Blvd., Suite 2400 

Chicago, IL 60606 
 Fax No.: (312) 212-1657 
 Attention: General Counsel 

 

	 	(2)	If to Parent, to: 

 Cash America International, Inc. 
 1600 W. 7th Street, 9th Floor 
 Fort Worth, TX 76102 
 Fax No.: (817) 570-1647 

Attention: General Counsel 
 or
to such other addresses or telecopy numbers as may be specified by like notice to the other party. 
 [Signatures on
following page.] 

  
 17 

 IN WITNESS WHEREOF, each of the parties has caused this Agreement to be executed on its
behalf by its officers thereunto duly authorized on the day and year first above written. 
  

			
	CASH AMERICA INTERNATIONAL, INC.
		
	By:	 	 
		
	Title:	 	  

	
	ENOVA INTERNATIONAL, INC.
		
	By:	 	  

		
	Title:	 	  

  
 18Form of Credit Underwriting Services Agreement

 Exhibit 10.6 
 CREDIT UNDERWRITING SERVICES AGREEMENT 
 BY AND BETWEEN 

ENOVA INTERNATIONAL, INC. 
 AND 
 CASH AMERICA INTERNATIONAL, INC. 

Dated as of                 , 2012

 CREDIT UNDERWRITING SERVICES AGREEMENT 

This CREDIT UNDERWRITING SERVICES AGREEMENT (the “Agreement”) is made and entered into to be effective as of
                , 2012 (the “Effective Date”) by and between ENOVA INTERNATIONAL, INC., a Delaware corporation (“Enova
International”), and CASH AMERICA INTERNATIONAL, INC., a Texas corporation (“Parent”). Each of Enova International and Parent is referred to as a “Party” and, together, as the
“Parties.” 
 Recitals 
 WHEREAS, Enova International and its subsidiaries (collectively, “Enova”) previously developed a credit decisioning and credit underwriting model (as more particularly described in
Section 1(a)) for Parent and its subsidiaries and affiliates other than Enova (collectively, “Cash America”) using proprietary loan performance and profitability data of Cash America customers, which is unique to Cash
America, for the purpose of evaluating applications for consumer credit (the “Credit Underwriting Model”); 

WHEREAS, Enova has developed a proprietary credit amount model that provides an amount of approved credit for a credit applicant
(“Credit Amount Model”; together with the Credit Underwriting Model, collectively, the “Credit Model”); 
 WHEREAS, the Credit Underwriting Model contains the Enova Proprietary Variables (as defined in Section 1(c)), which are owned solely by Enova; 

WHEREAS, Enova has developed a proprietary software platform that implements the Credit Model, which includes computer system
architecture and specifications, operating systems, programming languages, programming code, compiled software, software architecture and specifications, software design and development plans and materials, methodologies, processes, and interfaces
(run-time system libraries, graphical user interfaces and application programming interfaces) (collectively, the “Enova Platform”); 
 WHEREAS, the Cash America subsidiaries and affiliates act as direct lenders and credit services organizations for consumer loans throughout the United States, which include small-dollar consumer loans,
and unsecured installment loans whose original loan application is processed through the Credit Model (collectively referred to as the “Loans”), and the term “Loan” shall expressly exclude any installment loans secured by
a security interest in a motor vehicle; 
 WHEREAS, Cash America desires to grant Enova access to the Credit Underwriting Model
for the purpose of managing the Credit Underwriting Model for the benefit of Cash America; 
 WHEREAS, Enova desires to grant
Cash America limited licenses to use the Credit Amount Model, the Enova Proprietary Variables and the Enova Platform for the purpose of implementing and utilizing the Credit Underwriting Model in order to process Loan applications; 

WHEREAS, Parent is the holder of all of the equity interests in Enova International; 

WHEREAS, contemporaneously with the execution and delivery of this Agreement, Parent and Enova International have entered into a
Separation Agreement, dated as of the date hereof (the “Separation Agreement”), and the other Transaction Agreements (as defined in the Separation Agreement); 
 WHEREAS, promptly following the execution of this Agreement and the other Transaction Agreements, Enova International will undertake an initial public offering (the “IPO”) of its common
stock; 
 WHEREAS, immediately following consummation of the IPO, Parent will own at least 50% of the Enova Common Stock;

  
 1 

 WHEREAS, as of the date hereof it is the intention, but not the obligation, of Parent and
Enova International to sell or issue, as applicable, additional shares of Enova Common Stock at an undetermined future date or dates in one or more transactions such that Parent would thereafter own less than 50% of the Enova Common Stock;

 WHEREAS, the Parties desire to enter into this Agreement for the purpose of setting forth the terms, conditions, and
agreements between them relating to the Credit Model and the Enova Platform; and 
 WHEREAS, capitalized terms used herein and
not otherwise defined shall have the respective meanings assigned to them in Article I of the Separation Agreement. 
 NOW,
THEREFORE, in consideration of the foregoing premises and the mutual covenants and agreements set forth below, the Parties hereby agree as follows: 
 1. Access to the Credit Underwriting Model; Licenses. Subject to the following provisions, Cash America agrees to provide Enova access to the Credit Underwriting Model during the term of this
Agreement in order for Enova to provide the Underwriting Services (as defined in Section 2(a) to Cash America, in order for such system (i) to analyze the creditworthiness of consumers who have submitted an application for a Loan
and (ii) to evaluate the ability of such consumer applicants to repay such Loan. 
 (a) Credit Underwriting Model;
Information Provided to Cash America. The Credit Underwriting Model is a consumer credit underwriting model that utilizes the consumer information provided by Cash America. Upon processing a consumer credit application with the Enova Platform,
Enova shall ensure that the Credit Underwriting Model provides Cash America through the Enova Platform with the following information relating to the applicant (unless otherwise agreed to by the Parties in writing): 

 

	 	(i)	a unique customer application/loan-tracking number, which is to be generated by the Credit Underwriting Model; 

 

	 	(ii)	an applicant credit ranking, as established by Enova using a unique ranking criteria; and 

 

	 	(iii)	a recommendation of whether the applicant should be “approved” or “declined” credit based on the credit request submitted by Cash America.

 Pursuant to this Agreement, Enova shall have the ability to revise the unique credit ranking criteria, as mentioned in
Section 1(a)(ii), with at least 30 days prior notice to Cash America of such revisions or upon Cash America’s direction and approval. Enova shall ensure that all of the information in Section 1(a) is provided to Cash
America within 30 seconds of the submission of the consumer credit inquiry. The Parties agree that Enova shall not be held responsible for any delay or failure in its performance of any of the acts required by this Agreement when such delay or
failure arises for reasons beyond the reasonable control of Enova; provided, however, that Enova shall give prompt notice to Cash America of such delay. Enova shall use its best and reasonable efforts to avoid such causes of nonperformance and to
deliver the services requested by Cash America hereunder. 
 (b) Credit Amount Model License. Enova hereby grants to Cash
America, for the term of this Agreement, a restrictive, nonexclusive and nontransferable license under which Cash America may use the Credit Amount Model solely in connection with the Credit Model. 

(c) Enova Proprietary Variables License. Enova hereby grants to Cash America, a perpetual, restrictive, nonexclusive and
nontransferable license under which Cash America may use the Enova Proprietary Variables solely in connection with the Credit Underwriting Model, including Cash America’s use of the Credit Underwriting Model after the termination of this
Agreement whether such use is on the Enova Platform or any other platform. For the purposes of this Agreement, the “Enova Proprietary Variables” shall be defined as the collection of certain proprietary, consumer variables that are
utilized to predict consumer credit performance by an applicant. The Enova Proprietary Variables are derived using segmentation and/or a combination of different consumer attributes. The Enova Proprietary Variables are selected for the Credit
Underwriting Model based on the predictability power of each such attribute in relation to the Cash America customer data as a whole. 

  
 2 

 (d) Enova Platform License. Enova hereby grants to Cash America, for the term of this
Agreement, a restrictive, nonexclusive and nontransferable license under which Cash America may use the Enova Platform solely in connection with implementation of the Credit Underwriting Model. 

(e) Use and Functioning of Credit Model. Cash America may provide Enova with certain information and guidance relating to the
Loans that it wishes Enova to load into the Credit Model through the Enova Platform. In addition, if any regulatory agency requires Cash America to consider or analyze certain information as a part of its loan underwriting, Cash America shall
provide notice of such regulatory requirements to Enova, and Enova agrees to incorporate such regulatory requirements into the Credit Model within the time period required by the regulatory agency, but in no case longer than 15 business days from
Cash America’s notice of such requirement. Enova agrees to provide notice that such change has been implemented and the date such change will be utilized in the Credit Model. Enova agrees to also provide reasonable evidence to Cash America in
order to satisfy the regulatory agency that the regulatory requirements were actually added to the underwriting analysis. 
 (f)
Ownership and Control of Credit Underwriting Model. The Parties acknowledge and agree that the Credit Underwriting Model is owned and controlled by Cash America with the exception of the Enova Proprietary Variables owned solely by Enova. The
Credit Underwriting Model (excluding the Enova Proprietary Variables) will at all times be under the ultimate control of Cash America, but Enova shall have certain administrative duties associated with the Credit Underwriting Model. 

(g) Ownership and Control of Credit Amount Model. The Parties acknowledge and agree that the Credit Amount Model is owned and
controlled by Enova. 
 (h) Ownership and Control of Enova Platform. The Parties acknowledge and agree that the Enova
Platform is owned and controlled by Enova. 
 (i) Hosting Server for Credit Model. Enova agrees to provide a physical
space within Enova’s operations center to house a Cash America-owned and supplied computer system and such other equipment as may be required and identified by the parties to operate the Credit Model through the Enova Platform (the “Cash
America Server”). Enova also agrees to provide Cash America with limited physical access to the Cash America Server, and to provide a connection for the Cash America Server to the Internet using Enova’s public network connections. Upon
termination of this Agreement, Enova agrees to return the Cash America Server to Cash America or to provide Cash America with access to the server for its removal. 
 2. Duties and Responsibilities of Parties. 
 (a) Duties and
Responsibilities of Enova. Enova agrees that it shall be responsible for the provision of the following services relating to the Credit Model and Enova Platform (collectively referred to as the “Underwriting Services”): 

 

	 	(i)	Enova agrees to maintain the Credit Model and Enova Platform in accordance with the terms of this Agreement and the instructions provided by Cash America.

  

	 	(ii)	Enova agrees to evaluate the effectiveness of the Credit Model and Enova Platform on a continuous basis during the term of this Agreement. 

 

	 	(iii)	Enova agrees to manage any desired changes to the Credit Model. 

  

	 	(iv)	Enova agrees to provide analytics relating to the Credit Model. 

  

	 	(v)	Enova agrees to host the Cash America server that is utilized to run the Credit Model on the Enova Platform. 

 

	 	(vi)	Enova agrees to provide any other services to Cash America as are set forth in this Agreement. 

(b) Duties and Responsibilities of Cash America. Cash America agrees that it shall be responsible for the following obligations
relating to the Credit Underwriting Model: 

  
 3 

	 	(i)	Loan Performance Data. For each unique Loan applicant whose loan application was processed through the Enova Platform that implements the Credit Underwriting Model,
Cash America agrees, for the purpose of model validation and other permissible purposes, to provide Enova with the loan performance history of such Loan customer, including information on the payment history of the Loan, the date of any payments,
information on any payments that are returned for non-payment, the reason for such returned payment, any outstanding balance on a Loan, and any other Loan performance information agreed to by the Parties. Cash America agrees to provide this loan
performance history on a weekly basis, unless otherwise agreed to by the Parties. Enova agrees to use the Loan performance information to validate the analytics in the Credit Underwriting Model and to propose recommended changes to Cash America. If
Cash America agrees to any changes to the Credit Underwriting Model, Enova agrees to implement the respective modifications to the model. 

  

	 	(ii)	Cash America agrees to pay the consideration as set forth in Section 3. 

 

	 	(iii)	Cash America agrees to any other obligations it has to Enova as set forth in this Agreement. 

 3. Consideration. In consideration for the Underwriting Services provided by Enova under this Agreement, Cash America agrees to pay Enova compensation to be calculated as follows: 

 

	 	(a)	Base Service Fee and Certain Cost Reimbursement. Cash America agrees to pay Enova an annual base service fee in an amount equal to Five Hundred Thousand Dollars
($500,000) (the “Base Service Fee”), which shall be paid proportionately on a quarterly basis. In addition to the Base Service Fee, Cash America shall reimburse to Enova the actual direct out-of-pocket costs paid by Enova on Cash
America’s behalf to third party credit data providers (such as vendors like TeleTrack, Inc. or Clarity Services, Inc.) to the extent of the actual costs of such provider’s data that is directly utilized in the Credit Model (“Credit
Data Expense”); provided, however, that Cash America must have first preapproved the use of, and rates for, any of such credit data provider’s data to be utilized in the Credit Model. Cash America shall reimburse Enova for the Credit
Data Expenses within thirty (30) days following Cash America’s receipt of an invoice therefore and any such invoice shall be submitted monthly following the month in which the Credit Data Expenses were occurred and shall include reasonable
supporting documentation evidencing the actual usage of the credit data underlying such Credit Data Expenses. 

  

	 	(b)	Additional Compensation. In addition to the Base Service Fee, if the Net Annual Loan Fees (as defined below) exceed Twenty Five Million Dollars ($25,000,000)
(the “Annual Threshold”), Cash America agrees to pay Enova an annual fee in an amount equal to one percent (1%) of such Net Annual Loan Fees (the “Additional Compensation”), which shall be calculated and paid
on a quarterly basis. 

 For the purposes of this Agreement, the term “Net Annual Loan Fees” shall
mean the Consumer Loan Fees (as defined below) but only as such fees related to a Loan whose application was processed through the Credit Model (including extensions of these loans) less (i) the Consumer Loan Loss Provision (as
defined below) but only as such loan loss provision relates to a Loan whose application was processed through the Credit Model and (ii) any Credit Data Expenses and any costs or fees Cash America pays directly to a third party who provides
services to or for the Credit Model. 
 For purposes of calculating the Net Annual Loan Fees, the Parties agree that
“Consumer Loan Fees” shall mean the consumer loan fees related to any Loan whose application was processed through the Credit Model as such amounts are reported by Cash America in its most recently filed Form 10-Q or Form 10-K, with
adjustment for any loans that are not processed through the Credit Model. For purposes of calculating the Net Annual Loan Fees, the Parties agree that “Consumer Loan Loss Provision” shall mean the consumer loan loss provision related to
any Loan whose application was processed through the Credit Model as such amounts are reported by Cash America in its most recently filed Form 10-Q or Form 10-K, with adjustment for any loans that are not processed through the Credit Model. The
methodology used to calculate the Consumer Loan Loss Provision shall be based on the same methodology in place as of the Effective Date. Therefore, if Cash America revises the methodology it uses to calculate its Consumer Loan Loss Provision after
the Effective Date, then Cash America shall adjust the Consumer Loan Loss Provision amount for any changes in the calculation methodology. 
 The Base Service Fee and the Additional Compensation shall be paid quarterly on or before the last day of the month following the end of each calendar quarter. The Additional Compensation shall be
calculated and based on the year-to-date amounts from its most recently filed Form 10-Q or Form 10-K as adjusted 

  
 4 

 
pursuant to this Section 3(b), less any Additional Compensation previously paid for that calendar year. The Parties acknowledge and agree that if the Effective Date occurs on any day
other than January 1 of any particular year, then Enova shall only be entitled to (a) a proportionate share of the Base Service Fee based on the number of days remaining in the calendar year, and (b) Additional Compensation based on
the Net Annual Fees generated from the first day of the first calendar quarter following the Effective Date through the end of the year in question with the Annual Threshold being prorated by the ratio of the number of days remaining in the calendar
year following and including the first day of such calendar quarter over 365. 
 As an example, using amounts from the Cash
America Form 10-Q for the nine months ended September 30, 2011, the Base Service Fee and the Additional Compensation for the third quarter of 2011 would have been calculated as follows: 

 

									
	 Base Service Fee – 3rd Quarter only ($500,000 x 25%)
	  				 	$	 125,000	  
	 Additional Compensation:
	  				 			
	 Consumer Loan Fees*
	  	$	 85,832,000	** 	 			
	 Less: Consumer Loan Loss Provision*
	  	$	(15,452,000	)** 	 			
	 Credit Data Expenses#
	  	$	(750,000	) 	 			
		  	  
	  
	 	 			
	 Net Annual Loan Fees (year to date)
	  	$	 69,630,000	  	 			
		  	  
	  
	 	 			
	 Additional Compensation (year to date) (1%)
	  	$	696,300	  	 			
		  	  
	  
	 	 			
	 Less: Additional Compensation paid in previous quarters for year†
	  	$	(447,160	) 	 			
		  	  
	  
	 	 			
	 Additional Compensation due for Q3
	  				 	$	 249,140	  
		  				 	  
	  
	 
	 Total Base Service Fee & Additional Compensation due for Q3
	  				 	$	 374,140	  
		  				 	  
	  
	 

  

	*	Amounts from Form 10-Q for the period ending September 30, 2011. 

	#	Estimated for example purposes only (based on $250,000 per quarter) 

	**	For example purposes only, assume that this amount contains no amounts relating to any loan not processed through the Credit Model (e.g., any auto equity-type loan)

	†	Estimated based on similar calculation of Additional Compensation using 6/30/11 amounts. 

 The Parties agree that the consideration calculations as set forth in this Section 3 shall remain in effect for at least three years from the Effective Date, unless otherwise agreed to in
writing by both parties. 
 (c) Audit Rights. Cash America shall maintain books of account with respect to its
calculation of Additional Compensation. Enova shall maintain books of account with respect to its calculation of Credit Data Expenses. A party hereto (the “reviewing party”) shall have the right, not more than once during each calendar
year, to have an independent third party selected and retained by the reviewing party to inspect and examine such books of the other party during regular business hours for the purpose of verifying the correctness of the Additional Compensation paid
or the Credit Data Expenses, as the case may be. If such independent third party report shows any underpayment by Cash America, Cash America shall pay to Enova within thirty (30) days after Cash America’s receipt of such report, (a) the amount
of such underpayment, and (b) if such underpayment exceeds five percent (5%) of the total amount owed for the period then being audited excluding underpayments for unbilled Credit Data Expenses, the reasonable fees and expenses of the independent
third party performing the audit on behalf of the reviewing party. If such independent third party report shows any overpayment by Cash America, Enova shall remit to Cash America within thirty (30) days after Enova’s receipt of such report, the
amount of such overpayment. Any audit or inspection conducted under this Agreement by the reviewing party or its agents or contractors will be subject to the confidentiality provisions of this Agreement, and the reviewing party will be responsible
for compliance with such confidentiality provisions by such agents or contractors. 
 4. Representations and Warranties of Enova.

 (a) Enova represents and warrants to Cash America that it has the full power and authority to execute and deliver this
Agreement, to perform all of its obligations under this Agreement and any other agreement which must be executed related to this Agreement. 
 (b) Enova represents and warrants to Cash America that it is in good standing in the state, territory or other jurisdiction where incorporated, formed or organized. 

(c) Enova represents and warrants to Cash America that it is in compliance with all applicable federal and state laws, rules,
regulations, orders, judgments, and decrees, including, but not limited to, the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act, and the Equal Credit Opportunity Act (including Regulation

  
 5 

 
B promulgated thereunder), except for non-compliance that would not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on or for Enova (as used herein,
the term “Material Adverse Effect” means a material adverse effect on (i) the properties, business, prospects, operations, earnings, assets, liabilities or condition (financial or otherwise) of the Party in question, taken as a whole,
(ii) the ability of the Party in question to perform its obligations in all material respects herein, or (iii) the validity or enforceability of this Agreement). 
 (d) Enova represents and warrants to Cash America that it has all licenses, permits, consents and approvals required to be obtained by it from any regulatory agency exercising its authority over Enova in
order for it to lawfully conduct its business, to perform its obligations hereunder and to receive the rights and benefits available to it hereunder, and it shall immediately remedy the suspension, termination or other loss of such licenses,
permits, consents or approvals. 
 5. Representations and Warranties of Cash America. 

(a) Cash America represents and warrants to Enova that it has the full power and authority to execute and deliver this Agreement, to
perform all of its obligations under this Agreement and any other agreement which must be executed related to this Agreement. 

(b) Cash America represents and warrants to Enova that it is in good standing in the state, territory or other jurisdiction where
incorporated, formed or organized. 
 (c) Cash America represents and warrants to Enova that it is in compliance with all
applicable federal and state laws, rules, regulations, orders, judgments, and decrees, including, but not limited to, the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act, and the Equal Credit Opportunity Act (including Regulation B
promulgated thereunder), except for non-compliance that would not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on or for Cash America. 

(d) Cash America represents and warrants to Enova that it has all licenses, permits, consents and approvals required to be obtained by it
from any regulatory agency exercising its authority over Cash America in order for it to lawfully conduct its business, to perform its obligations hereunder and to receive the rights and benefits available to it hereunder, and it shall immediately
remedy the suspension, termination or other loss of such licenses, permits, consents or approvals. 
 6. Covenants of the Parties. Each
Party covenants with the other Party as follows: 
 (a) Each Party agrees that any litigation or court proceedings filed against
any Party relating to the Credit Model or this Agreement will be immediately reported to the other Party. Such report shall include a copy of the court papers or proceedings and the name and address of the Party’s counsel handling the matter.

 (b) Each Party agrees that, to the extent permitted by law, any communication or document received from a regulatory
authority relating to the Credit Model or this Agreement will be immediately reported to the other Party. Such report shall include a copy of the communication or document and the name and address of the counsel, if any, handling the matter.

 (c) Each Party agrees to maintain any and all licenses and registrations that is or may be required by any federal, state, or
local regulatory agency with authority over any Party. 
 (d) Each Party agrees that it will comply with all applicable federal
and state laws, rules, regulations, orders, judgments, and decrees of any state or federal regulatory agency exercising its authority over the Parties as related to this Agreement, including, but not limited to, the Fair Credit Reporting Act (FCRA),
the Gramm-Leach-Bliley Act, and the Equal Credit Opportunity Act (including Regulation B promulgated thereunder) , except if non-compliance would not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect.

 (e) In providing the Underwriting Services, Enova agrees to manage the Credit Model in compliance with all federal and state
nondiscrimination laws, rules, and regulations applicable to the performance by Enova of its obligations hereunder, including, but not limited to, the requirements of the Equal Credit Opportunity Act and its

  
 6 

 
implementing Regulation B. In addition, Enova agrees to conduct annual discrimination testing of the Credit Model which testing is designed to ensure that the Credit Model is not violative of any
applicable law or regulation and that there is no pattern or practice of discrimination against applicants seeking consumer credit resulting from factors used in the Credit Model. Enova shall provide to Cash America a certificate of compliance or
other such evidence of Enova’s compliance with such discrimination laws, and Enova shall provide such evidence of compliance to Cash America on an annual basis, within 10 days after Enova receives such compliance results. 

(f) Enova agrees not to change the decision process or any other feature of the Credit Underwriting Model without prior, written consent
of Cash America. 
 (g) Enova agrees to process application data received from Cash America through the Credit Model in the
manner in which Enova processes its own data through its own credit underwriting model. 
 (h) Enova also acknowledges and
agrees that the Credit Underwriting Model (excluding the Enova Proprietary Variables) is a confidential and proprietary model owned by Cash America. Therefore, Enova agrees that it will not utilize or market the Credit Underwriting Model (excluding
the Enova Proprietary Variables) to any third-party not associated with Cash America. 
 (i) Enova agrees to minimize any
interruption of the Underwriting Services and provide Cash America with reasonable advance notice of any planned or foreseen interruption to the Underwriting Services. 
 (j) Cash America agrees to clearly and accurately disclose to the consumer any information as required under Section 615(b) of the FCRA and Enova will provide Cash America with all such required
information to the extent it is in Enova’s possession and requested by Cash America. 
 (k) Cash America agrees to clearly
and conspicuously disclose to the consumer that information relating to the consumer, as referenced under and in compliance with Section 603(d)(2)(A)(iii) of the FCRA, may be communicated or shared between Cash America and Enova. 

(l) Enova shall not use any third party credit data provider’s data in the Credit Model unless Cash America has given its prior
consent to such usage and to the proposed rates and fees to be charged by such data provider in connection with its services to be used for the Credit Model. Enova agrees that any such third party data provider shall be a vendor of Enova pursuant to
a contract between Enova and such third party and that Enova shall be solely responsible for the performance of such third party under such contract and for Enova’s obligations and responsibilities under any such contract with such third party.
Notwithstanding the foregoing, Cash America hereby approves the third party credit data providers providing data used in the Credit Model as of the Effective Date and the rates and fees such providers are charging for such data services as of the
Effective Date. 
 7. Scope of Relationship. The Parties agree that the relationship established by this Agreement is non-exclusive.

 8. Confidential Information. In performing their respective obligations pursuant to this Agreement, each Party may have access to and
receive disclosure of certain confidential information about the other Party or Parties, including, without limitation, the names and addresses of a Party’s customers or members, marketing plans and objectives, research and test results,
customer Loan performance, pricing policies and practices, computer software (including programs, source code, record layouts, and report formats), know-how, processes and methods, and other information which is confidential and the property of the
Party disclosing the information (“Confidential Information”). Confidential Information of a Party hereto shall not include information in the public domain or information that is independently developed by the other Party hereto.
Each Party agrees that it shall use the Confidential Information of the other party only in the performance of its respective obligations under this Agreement. Each Party shall receive the Confidential Information of the other party in confidence
and shall not disclose such Confidential Information to any third party, except as may be permitted hereunder, or as may be necessary to perform its obligations hereunder so long as the Party desiring to disclose the other Party’s Confidential
Information notifies such other Party of its intent to do so and gives such other Party a reasonable opportunity to object to such disclosure. In the event that either Party (the “Restricted Party”) is requested or required (by oral
questions, interrogatories, requests for information or documents, subpoena, civil investigative demand or similar process) to disclose any Confidential Information of the other Party, such Party will provide the other Party with prompt notice of
such request(s) so that the other Party may seek an appropriate protective order or other appropriate remedy and/or waive the Restricted Party’s compliance with the provisions of this Agreement. In the event that the other Party does not seek
such a protective order or other remedy, or such protective order or other remedy is not obtained, or the other Party grants a waiver hereunder, the Restricted Party may furnish that portion (and only that portion) of the Confidential Information
which the Restricted Party is legally compelled to disclose and will exercise such efforts to obtain reasonable assurance that confidential treatment will be accorded any Confidential Information so furnished as a Restricted Party would reasonably
exercise in assuring the confidentiality of any of its own confidential information. Upon request or upon any expiration or termination of this Agreement, each Party hereto shall return to the disclosing Party or destroy (as the latter may instruct)
all of the latter’s Confidential Information in the former’s possession which is in any written or other recorded form, including data stored in any computer medium. 

  
 7 

 9. Relationship of Parties. 
 (a) Cash America and Enova agree that they are independent contractors to each other in performing their respective obligations hereunder. Nothing in this Agreement or in the working relationship
established and developed hereunder shall be deemed or is intended to be deemed, nor shall it cause, Enova and Cash America to be treated as partners, joint venturers, joint associates for profit or otherwise be deemed to create a relationship of
agent and principal. 
 (b) Neither Party shall have any authority to bind the other Party to any agreement except to the extent
expressly permitted herein or except as may be expressly provided in any of the other Transaction Agreements. Except as expressly set forth in this Agreement to the contrary, no actions or failure to act on the part of either Party hereto shall be
construed to imply the existence of any authority not expressly granted herein. 
 (c) Cash America and Enova acknowledge and
agree that, based on the services to be provided by Enova to Cash America under this Agreement, it is their reasonable understanding and belief that Enova should not be deemed to be a “consumer reporting agency,” as set forth in the FCRA.
If it is later determined that Enova is deemed to be a consumer reporting agency, then the Parties agree to reasonably cooperate with the other Party relating to any FCRA compliance issues. 
 10. Intellectual Property. 
 (a) Enova acknowledges that the Credit
Underwriting Model (excluding the Enova Proprietary Variables) is the property of Cash America. Cash America acknowledges that the Credit Amount Model, the Enova Proprietary Variables and the Enova Platform are the property of Enova. 

(b) The Parties shall not use, or permit their respective employees, agents and subcontractors to use, the trademarks, service marks,
logos, names, or any other proprietary designations of the other Party or its affiliates, whether registered or unregistered, without such other Party’s prior, written consent, and the Parties agree that such consent will not be unreasonably
withheld. 
 (c) Cash America acknowledges that Enova owns and continues to develop other credit underwriting models, which
include many of the same analyses, variables and criteria as the Credit Underwriting Model (collectively, the “Enova Credit Underwriting Models”). Nothing herein shall affect Enova’s ownership rights of the Enova Credit Underwriting
Models or its rights to sell, license, copyright or use for any purpose the Enova Credit Underwriting Models. 
 11. Indemnification.

 (a) Indemnification by Enova. Enova agrees to indemnify, defend and hold Cash America and its partners, officers,
directors, shareholders, employees and affiliates harmless from and against any and all claims, proceedings, demands, liabilities, losses, penalties, fines, judgments, damages or expenses (including, without limitation, legal fees, court costs,
accounting fees and class action costs) (collectively, “Claims”) brought against any of them (collectively, “Cash America Claims”) as a result of: (i) any misrepresentation, breach of representation or
warranty, or failure to fulfill a covenant of this Agreement on the part of Enova, excluding instances where Enova was acting under the direction of Cash America; or (ii) any Claims brought by any third party against Cash America resulting from
any allegation or claim that the Credit Underwriting Model, the Credit Amount Model, the Enova Proprietary Variables, the Enova Platform or any of the Underwriting Services infringes upon any United States patent or any copyright or misappropriates
trade secret rights of a third party; provided that Cash America gives Enova prompt notice of any such Cash America Claim. Enova has sole control of the defense and all related settlement negotiations with respect to any such Cash America Claim;
provided further, however, that Cash America, at Enova’s reasonable expense, shall provide Enova with reasonable and prompt assistance and information in connection with such defense. Settlement of a Cash America Claim by Cash America without

  
 8 

 
Enova’s prior written consent shall release Enova from the indemnity as to the Cash America Claim so settled. Enova’s indemnity obligations under this Section 11(a) shall
not apply to the extent the Cash America Claim arises out of or is connected with Cash America’s negligence or intentional misconduct. Enova shall not have the right to consent to entry of any judgment or enter into any settlement of any third
party Cash America Claim without the consent of Cash America if the effect thereof is to permit any injunction, declaratory judgment, other order, or other monetary or nonmonetary relief to be entered, directly or indirectly, against Cash America.

 (b) Indemnification by Cash America. Cash America agrees to indemnify, defend and hold Enova and its partners,
officers, directors, shareholders, employees and affiliates harmless from and against any and all Claims brought against any of them (collectively, “Enova Claims”) as a result of: any misrepresentation, breach of representation or
warranty, or failure to fulfill a covenant of this Agreement on the part of Cash America, excluding instances where Cash America was acting under the direction of Enova; provided that Enova gives Cash America prompt notice of any such Enova Claim.
Cash America has sole control of the defense and all related settlement negotiations with respect to any such Enova Claim; provided further, however, that Enova, at Cash America’s reasonable expense, shall provide Cash America with reasonable
and prompt assistance and information in connection with such defense. Settlement of an Enova Claim by Enova without Cash America’s prior written consent shall release Cash America from the indemnity as to the Enova Claim so settled. Cash
America’s indemnity obligations under this Section 11(b) shall not apply to the extent the Enova Claim arises out of or is connected with Enova’s negligence or intentional misconduct. Cash America shall not have the right to
consent to entry of any judgment or enter into any settlement of any third party Enova Claim without the consent of Enova if the effect thereof is to permit any injunction, declaratory judgment, other order, or other monetary or nonmonetary relief
to be entered, directly or indirectly, against Enova. 
 12. Governing Law; Dispute Resolution. 

(a) Governing Law. This Agreement shall be construed and performed in accordance with the laws of the State of Texas, without
reference to Texas choice of law or conflicts of law rules. 
 (b) Dispute Resolution. All disputes and controversies
which may arise out of or in connection with this Agreement and are not resolved through good faith negotiation shall be settled in accordance with the provisions of Article V of the Separation Agreement. 

13. Construction. The Parties have participated jointly in the negotiation and drafting of this Agreement. If an ambiguity or question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by the Parties and no presumption or burden of proof shall arise favoring or disfavoring any Party because of the authorship of any provision of this Agreement. Any
reference to any federal, state, provincial, territorial, local, or foreign law shall be deemed also to refer to such law as amended and all rules and regulations promulgated thereunder, unless the context requires otherwise. Any reference to any
contract or agreement, including this Agreement, shall be deemed also to refer to such contract or agreement as amended, restated, or otherwise modified, unless the context requires otherwise. The words “include,” “includes,” and
“including” shall be deemed to be followed by “without limitation.” Pronouns in masculine, feminine, and neuter genders shall be construed to include any other gender, and words in the singular form shall be construed to include
the plural and vice versa, unless the context requires otherwise. The words “this Agreement,” “herein,” “hereof,” “hereby,” “hereunder,” and words of similar import refer to this Agreement as a whole
and not to any particular subdivision unless expressly so limited. Where this Agreement states that a party “will” or “shall” perform in some manner or otherwise act or omit to act, it means that such party is legally obligated
to do so in accordance with this Agreement. The captions, titles, and headings included in this Agreement are for convenience only and do not affect this Agreement’s construction or interpretation. Any reference to a Section in this Agreement
shall refer to a Section of this Agreement, unless the context otherwise requires. This Agreement is for the sole benefit of the Parties (and, solely for purposes of Section 11, the indemnified parties) and does not, and is not intended to,
confer any rights or remedies in favor of any Person (including any employee, director, shareholder or third party service provider of Cash America or any employee, director, shareholder or third party service provider of Enova) other than the
Parties. 
 14. Severability. If any term or other provision of this Agreement shall be determined by a court, Governmental Authority, or
arbitrator to be invalid, illegal, or unenforceable, such invalidity, illegality, or unenforceability shall not render the entire Agreement invalid. Rather, this Agreement shall be construed as if not

  
 9 

 
containing the particular invalid, illegal, or unenforceable provision, and all other provisions of this Agreement shall nevertheless remain in full force and effect so long as the economic or
legal substance of the transactions contemplated hereby is not affected in any manner materially adverse to either party. Upon such determination that any term or other provision is invalid, illegal, or unenforceable, the parties shall negotiate in
good faith to modify this Agreement so as to give effect to the original intent of the parties as closely as possible in an acceptable manner to the end that the transactions contemplated hereby are fulfilled to the fullest extent permitted under
applicable Law. 
 15. Successors and Third Parties. This Agreement and the rights and obligations hereunder shall bind and inure to the
benefit of the Parties hereto and their respective successors and assigns. The obligations, rights and benefits hereunder are specific to the Parties hereto and shall not be delegated or assigned without the prior written consent of the other Party,
which shall not be unreasonably withheld. As a condition to an assignment of any obligations, rights or benefits hereunder, the assignee of such obligations, rights and benefits must agree to be bound by the terms of this Agreement pursuant to an
assignment document executed by such assignee, in form and substance reasonably satisfactory to both Enova and Cash America. Other than those Persons entitled to indemnity under Section 11 there are no third party beneficiaries having
rights under or with respect to this Agreement and nothing in this Agreement is intended to create or grant any right, privilege, or other benefit to or for any person or entity other than the Parties hereto except as expressly provided herein.

 16. Notices. All notices, requests, and approvals required or permitted by this Agreement shall be in writing and addressed/directed
to the other Party at the address/facsimile number below or at such other address of which the notifying Party hereafter receives notice in conformity with this Section 16. All such notices, requests, and approvals shall be deemed given
upon the earlier of facsimile transmission or actual receipt thereof: 
  

			
	To ENOVA:	  	 Enova International, Inc.
 200
W. Jackson Blvd., Suite 2400
 Chicago, IL 60606
 Fax No.: (312) 212-1657
 Attention: General Counsel

		
	To CASH AMERICA:            	  	 Cash America International, Inc.

1600 W. 7th Street, 9th
Floor
 Fort Worth, TX 76102
 Fax No.:
(817) 570-1647
 Attention: General Counsel

 17. Waiver. A provision of this Agreement may be waived only by a writing signed by the Party intended to be bound
by the waiver. A Party is not prevented from enforcing any right, remedy, or condition in the Party’s favor because of any failure or delay in exercising any right or remedy or in requiring satisfaction of any condition, except to the extent
that the Party specifically waives the same in writing. A written waiver given for one matter or occasion is effective only in that instance and only for the purpose stated. A waiver once given is not to be construed as a waiver for any other matter
or occasion. Any enumeration of a Party’s rights and remedies in this Agreement is not intended to be exclusive, and a Party’s rights and remedies are intended to be cumulative to the extent permitted by law and include any rights and
remedies authorized in law or in equity. 
 18. Counterparts. This Agreement may be executed and delivered by the Parties hereto in any
number of counterparts, each of which shall be deemed an original and all of which together shall constitute one and the same instrument. In proving this Agreement in any judicial proceedings, it shall not be necessary to produce or account for more
than one such counterpart signed by the Party against whom such enforcement is sought. Delivery of a signature hereto by facsimile transmission or by e-mail transmission of a document in the form of an Adobe portable digital file (pdf) shall be as
effective as delivery of a manually executed counterpart hereof, and any such facsimile or PDF signature shall be treated as an original signature to this Agreement. 

  
 10 

 19. Term of Agreement. This Agreement will commence as of the Effective Date and
will continue in effect until the earlier of the 10th
anniversary of the Effective Date or the date the Parties terminate this Agreement by mutual written agreement, or as otherwise provided in this Agreement. The Parties agree that either Party may terminate this Agreement pursuant to the provisions
of Section 19(a) and (b). 
 (a) Termination Without Cause. Each Party shall have the right to terminate this
Agreement immediately upon 180 days’ prior, written notice to the other Party. 
 (b) Termination Upon Default.
Either Party shall have the right to terminate this Agreement upon the occurrence of one or more of the following events: 
 (i) failure by the other Party to observe or perform that Party’s obligations to the other Party or to comply with any provision of this Agreement, so long as the failure or nonperformance is not due
to the actions of the terminating Party; 
 (ii) in the event any representation, warranty, statement or
certificate furnished to either Party by the other Party in connection with this Agreement is materially false, misleading, or inaccurate as of the date made or delivered and the same results in a Material Adverse Effect on or for the terminating
Party ; 
 (iii) in the event a Party (or an affiliate of such Party) defaults under any other agreement executed
between the Parties (and/or any of their respective affiliates) and such default continues beyond any applicable notice and cure period provided for such default under such other agreement; or 

(i) in the event that it is later determined by a regulatory agency that Enova is deemed to be a consumer reporting agency
as a direct result of the existence of this Agreement and the relationship of the parties hereunder. 
 The Agreement may be
terminated pursuant to Section 19(b)(i) or (ii) above only if the default continues for a period of thirty (30) days after the defaulting party receives written notice from the other party specifying the default in the case of
a non-monetary default, or ten (10) days after the defaulting party receives written notice from the other party specifying the default in the case of a failure to pay any amount when due hereunder. 

20. Disclaimer of Warranties. Due to the proprietary nature of the Credit Model or the Enova Platform, the Parties acknowledge and agree that
Enova does not warrant the appropriateness or effectiveness of the Credit Model or the Enova Platform with respect to evaluating applications for the Loans. OTHER THAN THE COVENANTS EXPRESSLY MADE IN THIS AGREEMENT, ENOVA DOES NOT WARRANT THE
MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CREDIT MODEL OR THE ENOVA PLATFORM IN ANY MANNER. 
 21. Further Assurances.
From time to time, the Parties will execute and deliver to the other such additional documents and will provide such additional information as either may reasonably require in connection with carrying out the terms of this Agreement. 

22. Amendments and Modifications; Entire Agreement. This Agreement and the other Transaction Agreements, and the exhibits and schedules referenced
or attached hereto or thereto, constitute the entire agreement between the parties with respect to the subject matter hereof and thereof and supersede (a) all prior oral or written proposals or agreements, (b) all contemporaneous oral
proposals or agreements, and (c) all previous negotiations and all other communications or understandings between the parties, in each case with respect to the subject matter hereof and thereof. To the extent any portion of this Agreement
conflicts, or is inconsistent, with any other Transaction Agreement, this Agreement shall control; provided, however, that if there are any conflicting or inconsistent provisions in the Separation Agreement, the Separation Agreement
shall control. 
 23. Amendment. This Agreement may be amended or modified only by a writing signed by duly authorized representatives of
each Party and dated subsequent to the date hereof. 
 24. Force Majeure. Performance under this Agreement by either Party may be
suspended immediately to the extent caused by any event or condition beyond the reasonable control of the party suspending such performance including acts of God, fire, labor or trade disturbance, war (declared or undeclared), terrorism, civil
commotion or civil unrest, riots, sabotage, compliance in good faith with any Law, unavailability of materials, unusually bad weather, interference by civil or military authorities or any other event or condition whether similar or dissimilar to

  
 11 

 
the foregoing (a “Force Majeure Event”). The Party claiming suspension due to a Force Majeure Event will give prompt notice to the other of the occurrence of the Force Majeure Event
giving rise to the suspension and of its nature and anticipated duration. Upon the occurrence of a Force Majeure Event, the Parties shall cooperate with each other to find alternative means and methods for the provision of the suspended service or
act. Without limiting the generality of Section 2, neither Party shall be under any liability for failure to fulfill any obligation under this Agreement so long as and to the extent to which the fulfillment of such obligation is
prevented, frustrated, hindered, or delayed as a consequence of circumstances of Force Majeure. 
 25. Survival. The parties agree that
Sections 1, 8, 10, 11 and 12 through 25 will survive the termination of this Agreement and that any such termination shall not affect any obligation for the payment of Services rendered prior to termination. 

26. Right to Perform Similar Services. Notwithstanding anything in this Agreement to the contrary, Enova and shall have the right to perform
services (including, without limitation, services similar to the Underwriting Services that employ the Enova Platform and any credit underwriting model other than the Credit Underwriting Model) on behalf of any other third party during the term of
this Agreement. 
 27. Restrictions on Disclosure of Credit Underwriting Model. Cash America acknowledges that the Credit Underwriting
Model contains Enova Proprietary Variables, which cannot be separated from the Credit Underwriting Model. In consideration of the limited license granted by Enova to Cash America to use the Enova Proprietary Variables, Cash America hereby covenants
and agrees that it will not now, or at any time in the future for a period of five (5) years after the termination of this Agreement, directly or indirectly, divulge, reveal or communicate, either orally or in writing or in an electronic
format, to any other person or to the public, the Credit Underwriting Model, except: (i) to a third party vendor that will perform similar services to the Services provided by Enova hereunder after termination of this Agreement (such third
party vendor must agree to be bound by the restrictions applicable to Cash America in this Section 27 and may not offer products or services that compete directly with the Enova’s loan products); and (ii) to Cash America
employees to the extent absolutely required in order to perform their respective job functions. 
 28. LIMITATION OF LIABILITY. UNDER NO
CIRCUMSTANCES SHALL EITHER PARTY HEREUNDER BE LIABLE TO THE OTHER FOR ANY INDIRECT, CONSEQUENTIAL, SPECIAL OR INCIDENTAL DAMAGES, INCLUDING LOST SALES OR PROFITS, IN CONNECTION WITH THIS AGREEMENT, EVEN IF IT HAS BEEN ADVISED OF THE POSSIBILITY OF
SUCH DAMAGES. THE MAXIMUM TOTAL LIABILITY OF ENOVA TO CASH AMERICA (INCLUDING WITHOUT LIMITATION ENOVA’S INDEMNIFICATION OBLIGATIONS TO CASH AMERICA UNDER SECTION 11, REGARDLESS OF THE FORM OF THE ACTION OR THE THEORY OF RECOVERY,
SHALL BE LIMITED TO $3,000,000. IN ADDITION, THE MAXIMUM TOTAL LIABILITY OF CASH AMERICA TO ENOVA, REGARDLESS OF THE FORM OF THE ACTION OR THE THEORY OF RECOVERY, SHALL BE LIMITED TO $3,000,000. 

[Signatures on following page] 

  
 12 

 IN WITNESS WHEREOF, the undersigned have caused their authorized representatives to execute
this Agreement as of the Effective Date. 
  

			
	ENOVA INTERNATIONAL, INC.
		
	By:	 	 
	Name:	 	 
	Title:	 	 

  

			
	CASH AMERICA INTERNATIONAL, INC.
		
	By:	 	 
	Name:	 	 
	Title:	 	 

  
 13

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