**Exhibit 10.20****CONFIDENTIAL**This is an amendment to the ONE Application Development and Support Agreement, dated January1, 2000, as amended (“the Agreement”) between Deluxe Financial Services, Inc. and Chex Systems,Inc., a wholly owned subsidiary of eFunds Corporation (hereinafter “eFunds”), and shall beeffective upon execution.**ONE Application Development and Support Agreement**In Section 2.0 the following shall be added to eFunds Data: “Notwithstanding the foregoing, theparties acknowledge that certain data may be provided to both eFunds and Deluxe by a Customer forthe purpose of each party independently using the data. Such data shall not exclusively be eFundsData.”Section 4.1.1 shall be amended to remove the references to Product Managers and Service Manager ofDeluxe as member of the Operations Committee, and shall be replaced with the Sales Support Lead,Sales Support Manager and Sales Director. Each reference to the Operations Committee in theAgreement, as amended, shall be deemed changed to reflect these members.Section 4.3 shall be amended to reflect that the Operations Committee shall meet only as required.Section 12.1 shall be amended to reflect that the term of this Agreement is extended throughDecember 31, 2010.**Exhibit A**Section 1.1 related to the portion of the EDS definition consisting of scheduling and providingDial ONE installation and training shall be deleted.Section 1.2 shall be amended to reflect the deletion of the second and third sentences of Section1.2.Section 2.1.1 (4) shall be deleted in its entirety and replaced with: “The Deluxe FI SupportCenter representative will transfer the FI employee to the eFunds Member Solutions Representativeat 1-800-207-2742 (Level 2 support).” Every reference in the Agreement, as amended, to MarketingSupport Rep shall be changed to Member Solutions Representative.Sections 5.1 and 5.2 are deleted.
 

 
October 13, 2005Page 2**Exhibit B**Section 5 is deleted**Appendix A to Exhibit B**The list of products supported in ONE of Windows (Versions 3.7, 3.8, 3.9) are: **•** New AccountChex  **•** DL Validation  **•** DL Verification  **•** SSN Validation  **•** ChexPlus  **•** FraudChex  **•** FraudFinder  **•** ProspectChex  **•** OFAC  **•** Electronic Reporting  **•** QualiFileThe “Notes” following the Product list are deleted.**Appendix C to Exhibit B**Every reference to “ONE 2000” is replaced by “Deluxe ONE Plus.”Under “ONE for Windows operating systems” the documents “Connectivity Guide” and “InstallationGuide” and the descriptions of their related audiences are deleted.**Letter dated November 19, 2001**The last three sentences above the chart and the chart are deleted and replaced with the following:*“The price per transaction shall be $.17 beginning January 1, 2006. Beginning August 1,2005 the per transaction price shall be $.18 for total monthly volume of 2.5 milliontransactions or more and $.20 for total monthly volume of less than 2.5 milliontransactions.**For a period of one (1) year following execution of this amendment, eFunds shall not impose anadditional fee on clients accessing eFunds services through Deluxe under this Agreement solely onthe basis that access to the services is through Deluxe. Subject to the one (1) year time limit,this shall not preclude eFunds from charging such clients additional fees in the event additionalfees are imposed on eFunds by third parties related to the services it provides hereunder. In suchevent, eFunds shall charge no more*
 

 
October 13, 2005Page 3*than an amount that passes through only a proportional share ofsuch additional feesdistributed among its clients who receive such third party services. If monthly transaction volumedeclines to 250,000 or fewer transactions, either party may terminate the Agreement on 12 month’sprior written notice.”*The Development Support section of the letter shall be changed to delete the present text andsubstitute “If requested, Development Support will be billed at agreed upon rates.”The Electronic Delivery section of the letter shall be changed to delete all but the last bulletand insert “Standard Electronic Delivery Support will be provided at no charge.”   Deluxe Financial Services, Inc. Chex Systems, Inc.   By:/s/ Richard C. Frieder By: /s/ Robert L. Evans, Jr.Date: 12/20/2005 Date: 12.28.2005Richard C. Frieder Name: Robert L. Evans, Jr.Vice President Title: Vice President     Approved as to Form  Law Dept JB 22 Dec 05