Exhibit 10.13

DESCRIPTION OF NON-EMPLOYEE DIRECTOR
COMPENSATION ARRANGEMENTS
(Updated as of November 17, 2005)

Directors who are employees of Deluxe do not receive compensation for their
service on the Board other than their compensation as employees. Each
non-employee director of Deluxe currently receives a $50,000 annual Board
retainer, payable quarterly. The Board’s non-executive chairman currently
receives an incremental annual retainer of $75,000, also payable quarterly.

In order to fairly compensate non-employee directors for their service on Board
committees, the elements and responsibilities of which will fluctuate from time
to time, committee members are paid fees for each committee meeting attended,
with the chair of each committee also receiving an annual retainer for serving
as the chair. The committee fee structure currently is as follows:

Audit Committee

--------------------------------------------------------------------------------

Other Standing Committees

--------------------------------------------------------------------------------

Chair Retainer   $15,000   $5,000   In-person Meeting Attendance  $  2,000 
$1,500  Telephonic Meeting Attendance  $  1,000  $   750 

Non-employee directors also receive $1,500 for each approved site visit and
director education program attended, up to a maximum of five per year, and may
receive additional compensation for the performance of duties assigned by the
Board or its committees that are considered beyond the scope of the ordinary
responsibilities of directors or committee members.

Deluxe maintains a Non-Employee Director Stock and Deferral Plan (the “Director
Plan”), which was approved by shareholders as part of Deluxe’s 2000 Stock
Incentive Plan, as amended (the “Stock Incentive Plan”). The purpose of the
Director Plan is to provide an opportunity for non-employee directors to
increase their ownership of Deluxe’s common stock and thereby align their
interest in the long-term success of Deluxe with that of the other shareholders.
Under the Director Plan, each non-employee director must irrevocably elect to
receive, in lieu of cash, shares of common stock having a fair market value
equal to at least 50% of his or her annual cash retainer and meeting fees. The
shares of common stock receivable pursuant to the Director Plan are issued
quarterly or, at the option of the director, credited to the director in the
form of deferred restricted stock units. These restricted stock units vest and
are converted into shares of common stock on the earlier of the tenth
anniversary of February 1st of the year following the year in which the
non-employee director ceases to serve on the Board or such other date as is
elected by the director in his or her deferral election (for example, upon
termination of service as a director). Each restricted stock unit entitles the
holder to receive dividend equivalent payments equal to the dividend payment on
one share of common stock. Any restricted stock units issued pursuant to the
Director Plan will vest and be converted into shares of common stock in
connection with certain defined changes of control of Deluxe. All shares of
common stock issued pursuant to the Director Plan

--------------------------------------------------------------------------------

are issued under Deluxe’s Stock Incentive Plan and must be held by the
non-employee director for a minimum period of six months from the date of
issuance.

Each new non-employee director elected to the Board receives a one-time grant of
1,000 shares of restricted stock under the Stock Incentive Plan as of the date
of his or her initial election to the Board. The restricted stock vests in equal
installments on the dates of Deluxe’s annual shareholder meetings in each of the
three years following the date of grant, provided that the director remains in
the office immediately following the annual meeting. Restricted stock awards
also vest immediately upon a non-employee director’s retirement from the Board
in accordance with Deluxe’s policy with respect to mandatory retirement.

Under the terms of the Stock Incentive Plan, non-employee directors also are
eligible to receive non-qualified options to purchase shares of Deluxe’s common
stock and other grants to further assist them in achieving and maintaining their
established share ownership targets. All non-employee directors were granted
1,000 options in 2005, but the amount and form of future grants will be at the
discretion of the Compensation Committee (in consultation with the Corporate
Governance Committee). All options granted to non-employee directors must,
however, have an exercise price at least equal to the fair market value of
Deluxe’s common stock on the date of grant, and may not exceed 5,000 options to
any director in any one year.

Non-employee directors who were elected to the Board prior to October 1997 also
are eligible for certain retirement payments under the terms of a Board
retirement plan that has since been replaced by the Director Plan. Under this
predecessor plan, non-employee directors with at least five years of Board
service who retire, resign or otherwise are not nominated for reelection are
entitled to receive an annual payment equal to the annual Board retainer in
effect on July 1, 1997 ($30,000 per year) for the number of years during which
he or she served on the Board prior to October 31, 1997. In calculating a
Director’s eligibility for benefits under this plan, partial years of service
are rounded up to the nearest whole number. Retirement payments do not extend
beyond the lifetime of the retiree and are contingent upon the retiree’s
remaining available for consultation with management and refraining from
engaging in any activity in competition with Deluxe.

--------------------------------------------------------------------------------