Exhibit 10.2

CASH AMERICA INTERNATIONAL, INC.

2008 LONG TERM INCENTIVE PLAN

FOR CASH AMERICA NET HOLDINGS, LLC

SECTION 1

ESTABLISHMENT AND PURPOSE

1.1 Purpose. The Cash America International, Inc. Long Term Incentive Plan for
Cash America Net Holdings, LLC (the “Plan”) is intended to attract, retain and
motivate Eligible Employees of Cash America Net Holdings, LLC and its
subsidiaries (“CashNetUSA”) by providing such employees with a proprietary
interest in the long-term growth and financial success of CashNetUSA. The Plan
is established under the Cash America International, Inc. 2004 Long-Term
Incentive Plan (the “Cash America LTIP”) and all awards under the Plan shall, in
addition to being subject to the terms and conditions set forth herein, be
subject to the additional terms and conditions of the Cash America LTIP, as in
effect on the Effective Date or as may be amended thereafter.

1.2 Term. The Plan is effective beginning on the Effective Date and shall
terminate on December 31, 2014.

SECTION 2

DEFINITIONS

2.1 “Award” means a grant to a Participant of a specified number of Units as
determined by the Committee.

2.2 “Base PA TTM EBITDA” means the LTM EBITDA directly attributable to earnings
derived from, or business conducted with, residents of the State of Pennsylvania
and the expenses allocable to such earnings for the 12 month period ending
September 30, 2008. The Base PA TTM EBITDA is stipulated on Exhibit “A” attached
hereto

2.3 “Base Period LTM EBITDA” means the EBITDA for the 12 months ending on the
last day of the quarter immediately preceding the applicable Grant Date
excluding the then applicable PA TTM EBITDA. The Base Period LTM EBITDA for the
12 month period ending September 30, 2008 (which excludes the Base PA TTM
EBITDA) is stipulated on Exhibit “A” attached hereto.

2.4 “Beneficiary” means the person(s) designated by a Participant to receive any
amounts payable under the Plan upon the Participant’s death. If no Beneficiary
has been designated, the Participant’s estate shall be deemed to be the
Beneficiary.

2.5 “Business” means the assets and business of CashNetUSA and any stand-alone
business not owned by CashNetUSA that CashNetUSA develops or manages on behalf
of the Company or other subsidiaries of the Company.

2.6 “Capital Charges” means the internal interest charges calculated on a
monthly basis for amounts advanced by the Company or its other subsidiaries to
the Business, with such interest rate being the greater of (i) the effective
interest rate of the Company’s primary line of credit during such month based on
the actual amounts borrowed, or (ii) the rate of interest actually charged to
the Business during such month.

2.7 “Cash America LTIP” means the Cash America International, Inc. 2004
Long-Term Incentive Plan or any successor plan.

2.8 “CashNetUSA” means Cash America Net Holdings, LLC and its subsidiaries. Cash
America Net Holdings, LLC is a wholly owned subsidiary of the Company.
Requirements referring to employment with CashNetUSA may, in the Committee’s
discretion, be satisfied by employment through the Company or any affiliate of
the Company.

 

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2.9 “Cause” means a Participant’s (i) fraud, gross malfeasance, gross
negligence, or willful misconduct, with respect to the Company’s or an
affiliate’s business affairs, (ii) refusal or repeated failure to follow the
Company’s or an affiliate’s established reasonable and lawful policies;
(iii) conviction of a felony involving moral turpitude, (iv) intentional
misapplication of the Company’s or an affiliate’s funds, or any material act of
dishonesty, or (v) unlawful use or possession of any controlled substance or
abuse of alcoholic beverages.

2.10 “Change in Control” means an event that is (i) a change in the ownership of
the Company, a change in the effective control of the Company or a change in the
ownership of a substantial portion of the assets of the Company, or (ii) a
change in the ownership of Cash America Net Holdings, LLC, a change in the
effective control of Cash America Net Holdings, LLC, or a change in the
ownership of a substantial portion of the assets of Cash America Net Holdings,
LLC, all as defined in Code Section 409A, except that 35% shall be substituted
for 30% in applying Treasury Regulations Section 1.409A-3(i)(5)(vi) and 50%
shall be substituted for 40% in applying Treasury Regulations
Section 1.409A-3(i)(5)(vii). Notwithstanding the incorporation of certain
provisions from the Treasury Regulations under Code Section 409A, the Company
intends that all payments under the Plan be exempt from Section 409A under the
exemption for short-term deferrals in Treasury Regulations
Section 1.409A-1(b)(4).

2.11 “Code” means the Internal Revenue Code of 1986, as amended.

2.12 “Committee” means the Management Development and Compensation Committee of
the Company’s Board of Directors.

2.13 “Company” means Cash America International, Inc. and its successors.
Requirements for payment of Awards may, in the Committee’s discretion, be
performed through the Company or any affiliate of the Company.

2.14 “EBITDA” means the consolidated earnings of the Business before interest,
income taxes, depreciation and amortization expenses. EBITDA shall be calculated
as if the Business was being operated as a separate and independent corporation
and determined in accordance with GAAP as consistently applied by the Company;
provided, however, that in determining EBITDA:

(a) EBITDA shall be computed without regard to “extraordinary items” of gain or
loss as that term shall be defined in GAAP or unusual items not associated with
the general business activities of the Business.

(b) EBITDA shall not include any gains, losses or profits realized from either
the discontinuation of any business operations or from the sale of assets in a
single transaction that is outside the ordinary course of business.

(c) Capital Charges shall be deducted from EBITDA for any period.

(d) EBITDA shall not include the Administrative Expense Allocation, as such term
is defined and used in the EBITDA Calculation Method set forth in Exhibit “B” to
the Asset Purchase Agreement dated July 6, 2006 among The Check Giant, LLC, Cash
America International, Inc., and the subsidiaries and members of The Check
Giant, LLC, as such agreement has been amended and assigned prior to the date
hereof.

(e) For purposes of calculating EBITDA, income taxes shall mean only federal,
state, local and foreign taxes on the income of the Business and shall not
include (a) any other tax, charge, fee, duty (including customs duty), levy or
assessment, including any ad valorem, turnover, real and personal property
(tangible and intangible), sales, use, franchise (other than franchise taxes
based on income), excise, value added, stamp, leasing, lease, user, transfer,
fuel, excess profits, windfall profits, occupational, premium, interest
equalization, severance, license, registration, payroll, environmental
(including taxes under Code Section 59A), capital stock, capital duty,
disability, gains, wealth, welfare, employee’s income withholding, other
withholding, unemployment and social security or other tax of whatever kind
(including any fee, assessment and other charges in the nature of or in lieu of
any tax) that is imposed by any governmental

 

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authority, (b) any interest, fines, penalties or additions resulting from,
attributable to, or incurred in connection with any items described in this
paragraph or any related contest or dispute and (c) any items described in this
paragraph that are attributable to another person but that the owner of the
Business is liable to pay by law, by contract or otherwise, whether or not
disputed.

2.15 “Effective Date” means October 31, 2008.

2.16 “Eligible Employee” means a full-time administrative or management employee
of CashNetUSA or its subsidiaries. Only common law employees will be eligible
(e.g., no independent contractors or leased employees will be or become
eligible) to receive Awards. Requirements referring to employment with
CashNetUSA may, in the Committee’s discretion, be satisfied by employment
through the Company or any affiliate of the Company.

2.17 “Grant Date” means the Initial Grant Date or an Interim Grant Date,
whichever is applicable to the Award grant in question.

2.18 “Initial Grant Date” means October 31, 2008.

2.19 “Interim Grant Date” means the last day of the first month following the
end of each calendar quarter following the Effective Date. There shall be no
Interim Grant Dates under the Plan after July 31, 2011.

2.20 “LTM EBITDA” means EBITDA for the 12 full calendar months ending on a
specified date excluding the PA TTM EBITDA as of such date (except as expressly
provided in Section 5.8).

2.21 “Maximum Aggregate Number of Units” shall be the maximum aggregate number
of Units specified in Section 3.3 that may be awarded under this Plan.

2.22 “PA TTM EBITDA” means EBITDA for the 12 full calendar months ending on a
specified date that is directly attributable to earnings derived from, or
business conducted with, residents of the State of Pennsylvania and the expenses
allocable to such earnings.

2.23 “Participant” means an individual who has been granted an Award under the
Plan. An individual shall no longer be a Participant on the date that all Awards
he or she has been granted under the Plan have been cancelled, forfeited, paid
or otherwise settled.

2.24 “Share Value” means, for purposes of determining the number of Shares that
may be delivered to a Participant in respect of vested Units as of a particular
Vesting Date pursuant to Section 5, the average closing price of a Share on the
New York Stock Exchange (or such other market or exchange that is the principal
trading market for the Shares) during the twenty (20) calendar days immediately
preceding the applicable Vesting Date. In the event of a stock split, stock
dividend, extraordinary cash dividend or similar event during such trading
period, the Committee shall make an appropriate adjustment to the Share Value to
reflect such event.

2.25 “Shares” means shares of the Common Stock of the Company.

2.26 “Unit” means an award granted under the Plan having a value based on the
increase in value of the Business as measured by the increase in LTM EBITDA over
a specified period of time.

2.27 “Unit Value” means the value of a Unit as of a particular Vesting Date,
determined as follows:

(a) The total value of all Units granted under the Plan and outstanding as of
the applicable Vesting Date (the “Total Value”) shall be:

(i) 45% of the applicable Vesting Date LTM EBITDA, less

 

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(ii) 45% of the applicable Base Period LTM EBITDA.

(b) the Unit Value shall be:

(i) The Total Value, divided by

(ii) the Maximum Aggregate Number of Units.

2.28 “Vesting Date” means the anniversary date in each of the three years after
the Initial Grant Date or any Interim Grant Date, as applicable. With respect to
the Initial Grant Date, the “First Vesting Date” shall be October 31, 2009; the
“Second Vesting Date” shall be October 31, 2010; and the “Third Vesting Date”
shall be October 31, 2011.

2.29 “Vesting Date LTM EBITDA” means LTM EBITDA for the period ending on the
last day of the quarter immediately preceding the applicable Vesting Date. The
“First Vesting Date LTM EBITDA” shall be the LTM EBITDA for the period ending on
the last day of the quarter immediately preceding the First Vesting Date, the
“Second Vesting Date LTM EBITDA” shall be the LTM EBITDA for the period ending
on the last day of the quarter immediately preceding the Second Vesting Date,
and the “Third Vesting Date LTM EBITDA” shall be the LTM EBITDA for the period
ending on the last day of the quarter immediately preceding the Third Vesting
Date.

SECTION 3

PARTICIPANTS AND AWARDS

3.1 Selection of Participants. The Committee, in its sole discretion, shall
select the Eligible Employees who shall become Participants in the Plan.

3.2 Determination of Awards. The Committee shall have sole discretion in
determining the number of Units subject to any Award granted to a Participant.
Upon the Initial Grant Date, the Committee shall grant Awards to Eligible
Employees who are employed on the Effective Date. Any person who becomes an
Eligible Employee after the Effective Date may, in the Committee’s discretion,
receive an Award on an Interim Grant Date following the date on which or she he
becomes an Eligible Employee. Any Eligible Employee who receives a promotion
following receipt of an initial Award under this Plan may, in the Committee’s
discretion, receive an additional Award on an Interim Grant Date following the
date on which he or she receives such promotion.

3.3 Maximum Aggregate Number of Units. The maximum number of Units that may be
awarded in the aggregate under the Plan is 1,000,000 provided that any Units
that have been awarded and then forfeited will be added back to, and will
increase, the number of Units that have not been awarded, such that forfeited
Units will once again be available for inclusion in an Award. Once a Unit vests,
such a Unit may not be included in any other Award even if further payment on
that Unit is forfeited pursuant to the terms of the Plan.

3.4 No Other Long Term Incentive Plans. Except as may otherwise be determined by
the Committee, Participants shall not be eligible to participate in or receive
awards under any other long-term incentive plans instituted by the Company or
any of the Company’s affiliates other than CashNetUSA, whether such other plans
are instituted under the Cash America LTIP or otherwise. Notwithstanding the
foregoing, this section shall not prevent a Participant from continuing to vest
and receive payments under the terms of awards granted under other long-term
incentive plans prior to the Effective Date.

 

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SECTION 4

VESTING

4.1 Vesting. Awards shall vest on the anniversary of the applicable Grant Date,
in accordance with the following schedule:

 

Vesting Date

  

Percentage of Units Vesting

First Vesting Date

   33 1/3%

Second Vesting Date

   33 1/3%

Third Vesting Date

   33 1/3%

4.2 Change in Control. Upon a Change in Control, all Awards that are outstanding
as of the date of the Change in Control shall become 100% fully vested;
provided, however, the timing and manner in which payments for any Awards
vesting pursuant to this Section shall be calculated and paid shall be
determined in accordance with the terms of Section 5.3 of this Plan.

4.3 Effect of Termination of Employment. Notwithstanding anything in this
Section 4 or any other provision of the Plan to the contrary, if a Participant
terminates employment with the Company and all of its subsidiaries, whether
voluntarily or involuntarily (including by death), for any reason other than for
Cause, he or she shall immediately forfeit all interest in the unvested portion
of an Award, and such forfeited Award shall not be considered outstanding for
any purpose under the Plan. Upon termination of employment for Cause (including
voluntary termination in anticipation of termination for Cause), the entire
portion of the Award not payable on or before such termination (including any
previously vested and unpaid portion thereof) shall be forfeited.

SECTION 5

PAYMENT OF AWARDS

5.1 Amount of Payment. The amount paid to a Participant under an Award following
each Vesting Date shall be determined as follows:

(a) First Vesting Date: With respect to all Units granted to the Participant
that vest as of the First Vesting Date, an amount equal to twenty-five percent
(25%) of the total Unit Value (determined as of the First Vesting Date) of each
of such vested Units shall be paid to the Participant (or his Beneficiary)
within 90 days after the First Vesting Date. The portion of the Unit Value
payable in connection with the First Vesting Dates on Units that vest as of the
First Vesting Date shall not be less than zero. Unit Values for Units that vest
on the First Vesting Date shall remain subject to adjustment as of each
subsequent Vesting Date (as set forth below), such that any subsequent payment
shall remain subject to a substantial risk of forfeiture within the meaning of
Code Section 409A.

(b) Second Vesting Date. With respect to all Units granted to the Participant
that vest on or before the Second Vesting Date, including any Units that vested
as of the First Vesting Date, an amount equal to the excess (if any) of
(x) twenty-five percent 25% of the total Unit Value (determined as of the Second
Vesting Date) of each of such vested Units over (y) the amount paid to the
Participant (or his Beneficiary) following the First Vesting Date pursuant to
Subsection 5.1(a) above (as such amount was valued as of such First Vesting
Date), shall be paid to the Participant (or his Beneficiary) within 90 days
after the Second Vesting Date. The portion of the Unit Value payable in
connection with the Second Vesting Date on Units that vest on or before the
Second Vesting Date less the payments made on certain of such Units in
connection with the First Vesting Date, if any, shall not be less than zero.
Unit Values for Units vesting on or before the Second Vesting Date shall remain
subject to adjustment as of the Third Vesting Date (as set forth below), such
that any subsequent payment shall remain subject to a substantial risk of
forfeiture within the meaning of Code Section 409A.

(c) Third Vesting Date. With respect to all Units granted to the Participant
that vest on or before the Third Vesting Date, including any Units that vested
as of the First and Second Vesting Dates, an amount

 

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equal to the excess (if any) of (x) the total Unit Value (determined as of the
Third Vesting Date) of each of such vested Units, over (y) the sum of the
amounts paid to the Participant (or his Beneficiary) following the First and
Second Vesting Dates pursuant to Subsections 5.1 (a) and (b) above (as such
amounts were valued as of each of such First and Second Vesting Dates,
respectively), shall be paid to the Participant (or his Beneficiary) within 90
days after the Third Vesting Date, provided that the Unit Value on the Third
Vesting Date less the payments made on certain of such Units in connection with
the First and Second Vesting Dates, if any, shall not be less than zero.

(d) EBITDA Growth Requirement. Notwithstanding anything in Subsections 5.1(a-c)
above, the Unit Value attributable to vested Units as of any particular Vesting
Date for Awards granted to a Participant that was an officer of the Company as
of the date such Award was granted shall be deemed to be $0.00 as of the
applicable Vesting Date unless the compounded annual growth rate (“CAGR”) of LTM
EBITDA for the period between the applicable Grant Date and the last day of the
quarter immediately preceding the applicable Vesting Date equals or exceeds
twenty percent (20%). Any portion of an Award that is deemed to be valued at
$0.00 as of either the First or the Second Vesting Dates, as the case may be, in
accordance with this Section, is eligible to be revalued as of any subsequent
Vesting Date, if any, if the CAGR requirement is satisfied on that subsequent
Vesting Date.

5.2 Form of Payment.

(a) Officers of the Company. With respect to payments to Participants who were
Company officers on the applicable Grant Date, for Units vesting on the First
and Second Vesting Dates, such payments shall be in the form of Shares, based on
the Share Value as of the applicable Vesting Date. For Units vesting on the
Third Vesting Date, a portion of such payment shall be in the form of Shares,
based on the Share Value as of the Third Vesting Date, and the remainder shall
be paid in cash. The portion payable in Shares on the Third Vesting Date shall
be an amount equal to the excess (if any) of (x) twenty-five percent (25%) of
the total Unit Value (determined as of the Third Vesting Date) for each of such
vested Units, over (y) the sum of the amounts paid to the Participant (or his
Beneficiary) following the First and Second Vesting Dates (as such amounts were
valued as of each of such First and Second Vesting Dates, respectively). In its
sole discretion, the Committee, in its discretion, may make any payment under
this section in cash, in lieu of Shares.

(b) Other Participants. With respect to payments to Participants who were not
Company officers on the applicable Grant Date, all payments shall be in cash.

5.3 Payment upon Change in Control. Notwithstanding the foregoing, upon a Change
in Control and subject to satisfaction of the LTM EBITDA growth requirement set
forth in Section 5.1(d), the amount payable with respect to each outstanding
Award shall be equal to the excess (if any) of (x) the total Unit Values
(determined as of the date of the Change in Control) over (y) the sum of all
payments made to the Participant (or his Beneficiary) pursuant to Section 5.1
prior to the date of such Change in Control. The date of the Change in Control
shall be considered the Third Vesting Date, and the Share Value and the amount
payable under an Award shall be determined as of the quarter ended immediately
preceding the Change in Control. The amounts payable in respect of such Awards
shall be paid within 60 days following the date of such Change in Control. For
Participants who were Company officers on the applicable Grant Date, such
payment shall be in the form of Shares and/or cash, as determined by the
Committee in its discretion and any amount paid in Shares shall be based on the
Share Value as of the date of the Change in Control. For all other Participants,
such payment shall be in cash.

5.4 Payment in the Event of Termination Other Than For Cause. If a Participant
terminates employment with the Company and all of its subsidiaries, whether
voluntarily or involuntarily (including by death), for any reason other than for
Cause, prior to the payment of any vested Award, the payment of any such vested
and unpaid portion of an Award, if any, shall be made in accordance with
Sections 5.1 or 5.3, as applicable, and shall be in the form prescribed in
Sections 5.2 or 5.3, as applicable; provided, however, the total Unit Values for
any such vested and unpaid portion of an Award as of the Third Vesting Date
shall be the lesser of (a) the Unit Value

 

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for each of such Units as of the Third Vesting Date, or (b) the Unit Value for
each of such Units calculated as if the LTM EBITDA on the last day of the
quarter immediately preceding the Third Vesting Date was the LTM EBITDA as of
the last day of the quarter immediately preceding the last Vesting Date that
occurred immediately prior to the Participant’s termination date. In the case of
termination by death, such payments will be made to the Participant’s
Beneficiary.

5.5 Limited Delay in Payment. Notwithstanding anything in Sections 5.1 or 5.3 to
the contrary, if the Company reasonably anticipates that the deduction with
respect to all or part of any payment due to a Participant under the Plan would
be limited by the application of Code Section 162(m), the Company, in its sole
discretion, may delay such payment in whole or in part until a date that is no
later than 2 1/2 months following the end of the calendar year in which such
payment is no longer subject to a substantial risk of forfeiture within the
meaning of Code Section 409A. In addition, the Company may further delay such
payment to the extent that the requirements of Treasury Regulations
Section 1.409A-1(b)(4)(ii) are satisfied.

5.6 Tax Withholding. The Company shall withhold all applicable taxes from any
payment, including any federal, state and local employment taxes. Upon vesting
of Units or upon the issuance of Shares to a Participant or Beneficiary pursuant
to the Plan, Participant or Beneficiary shall pay an amount equal to the amount
of applicable federal, state and local employment taxes which the Company is
required to withhold at any time as a result of such vesting or issuance. Such
payment may be made in cash, by withholding from the Participant’s normal or
other incentive pay, from the cash portion of the Award (if any) that is payable
at the same time, or, with respect to the issuance of Shares to the Participant
pursuant to this Agreement, by delivery of shares of Common Stock (including
shares issuable under the Plan) in accordance with Section 14(a) of the Cash
America LTIP.

5.7 EBITDA Adjustments for Other Business. If the applicable Base Period LTM
EBITDA includes EBITDA for any stand-alone business not owned by CashNetUSA that
CashNetUSA manages on behalf of the Company or other subsidiaries of the Company
and CashNetUSA ceases to manage such stand-alone business on behalf of the
Company or its other subsidiaries prior to the third anniversary of the
applicable Grant Date, then for all periods following the date CashNetUSA ceases
to manage such stand-alone business EBITDA for such stand-alone business
following such date will not be included in any LTM EBITDA calculations and Unit
Values following such date shall be determined as if EBITDA for such stand-alone
business was not included in the Base Period LTM EBITDA as of the applicable
Grant Date.

5.8 EBITDA Adjustments for Pennsylvania. Notwithstanding anything in this Plan
to the contrary, if PA TTM EBITDA for a specific period does not exceed the Base
PA TTM EBITDA, the PA TTM EBITDA will not be included in LTM EBITDA for such
period (in accordance with Section 2.20 above); provided, however, for any
specified period that PA TTM EBITDA exceeds the Base PA TTM EBITDA, then the
excess of PA TTM EBITDA as of such specified period over Base PA TTM EBITDA
shall be included in LTM EBITDA for such specified period. The Committee, in its
sole discretion, is responsible for attributing earnings derived from, or
business conducted with, residents of the State of Pennsylvania and the expenses
allocable to such earnings for the purposes of determining PA TTM EBITDA as of
any specified date.

SECTION 6

ADMINISTRATION

6.1 Committee is the Administrator. The Plan shall be administered by the
Committee.

6.2 Committee Authority. The Committee shall have all discretion and authority
necessary or appropriate to administer the Plan and to interpret the provisions
of the Plan, including, but not limited to, the terms of the Plan providing for
the definition of “EBITDA” and the manner in which EBITDA is to be calculated
under the terms of the Plan. Any determination, decision or action of the
Committee in connection with the construction, interpretation, administration or
application of the Plan shall be final, conclusive and binding upon all persons,
and shall be given the maximum deference permitted by law.

 

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SECTION 7

GENERAL PROVISIONS

7.1 Nonassignability. A Participant shall have no right to encumber, assign or
transfer any interest under the Plan.

7.2 No Effect on Employment. The establishment and subsequent operation of the
Plan, including eligibility as a Participant, shall not be construed as
conferring any legal or other rights upon a Participant for the continuation of
his or her employment for any period. Generally, employment with the Company is
on an at-will basis only. Except as may be provided in an employment contract
with the Participant, the Company expressly reserves the right, which may be
exercised at any time, to terminate any individual’s employment without cause,
and to treat him or her without regard to the effect which such treatment might
have upon him or her as a Participant.

7.3 No Individual Liability. No member of the Committee or any officer of the
Company shall be liable for any determination, decision or action made in good
faith with respect to the Plan or any Award under the Plan.

7.4 Severability; Governing Law. If any provision of the Plan is found to be
invalid or unenforceable, such provision shall not affect the other provisions
of the Plan, and the Plan shall be construed in all respects as if such invalid
provision has been omitted. The provisions of the Plan shall be governed by and
construed in accordance with the laws of the State of Texas, with the exception
of Texas’ conflict of laws provision.

7.5 Amendment to Cash America LTIP. Notwithstanding anything in this Plan to the
contrary, this Plan is subject to the shareholders of the Company approving
certain amendments to the Cash America LTIP, which approval shall be sought at
the Company’s annual meeting in 2009.

SECTION 8

AMENDMENT AND TERMINATION

8.1 Amendment and Termination. The Committee may amend or terminate the Plan at
any time and for any reason; provided, no such amendment or termination shall
adversely affect a Participant’s rights with respect to an outstanding Award.

 

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