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                                                                   EXHIBIT 10.18


                               eFunds Corporation
                            2000 STOCK INCENTIVE PLAN


Section 1. Purpose.

The purpose of the Plan is to promote the interests of the Company and its
stockholders by aiding the Company in attracting and retaining employees,
officers, directors, consultants and advisors capable of assuring the future
success of the Company, by offering such persons incentives to put forth maximum
efforts for the success of the Company's business, and by affording such persons
an opportunity to acquire a proprietary interest in the Company.

Section 2. Definitions.

As used in the Plan, the following terms shall have the meanings set forth
below:

     (a)  "Affiliate" shall mean any entity that, directly or indirectly through
          one or more intermediaries, is controlled by the Company and any
          entity in which the Company has a significant equity interest, in each
          case as determined by the Committee. As used in this definition,
          "control" shall mean the right, either directly or indirectly, to
          elect the majority of the directors of a company without the consent
          or acquiescence of any Third Party.
     (b)  "Award" shall mean any Option, Stock Appreciation Right, Restricted
          Stock, Restricted Stock Right, Performance Award, Dividend Equivalent
          or Other Stock-Based Award granted under the Plan.
     (c)  "Award Agreement" shall mean any written agreement, contract or other
          instrument or document evidencing any Award granted under the Plan.
     (d)  "Board" shall mean the board of directors of the Company.
     (e)  "Certificate" shall mean the Certificate of Incorporation of the
          Company, as amended from time to time.
     (f)  "Code" shall mean the Internal Revenue Code of 1986 of the United
          States of America, as amended from time to time, and any regulations
          promulgated thereunder.
     (g)  "Committee" shall mean a committee of the Board designated by the
          Board to administer the Plan. The Committee shall consist solely of
          Directors appointed from time to time by the Board and shall be
          comprised solely of at least that number of Directors with those
          qualifications necessary to permit Awards under the Plan to qualify
          under Rule 16b-3.
     (h)  "Common Stock" shall mean the shares of Common Stock of the Company as
          provided in the Certificate.
     (i)  "Company" shall mean eFunds Corporation, a corporation incorporated
          under the laws of the State of Delaware, United States of America, and
          any successor corporation.
     (j)  "Director" shall mean a member of the Board.
     (k)  "Dividend Equivalent" shall mean any right granted under Section 6(e)
          of the Plan.


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     (l)  "Eligible Person" shall mean any officer, Director (including a
          non-employee Director) or employee of the Company or any of its
          Affiliates and any consultant or advisor who provides services to the
          Company or any of its Affiliates, as determined by the Committee and
          selected by the Committee for an Award under the Plan.
     (m)  "Exchange Act" shall mean the United States Securities Exchange Act of
          1934, as amended from time to time, and any regulations promulgated
          thereunder.
     (n)  "Fair Market Value" shall mean, with respect to any property
          (including, without limitation, any Shares or other securities), the
          fair market value of such property determined by such methods or
          procedures as shall be established from time to time by the Committee.
          Notwithstanding the foregoing, unless otherwise determined by the
          Committee, the Fair Market Value of a Share on a given date for
          purposes of the Plan shall be, if the Shares are then traded on the
          Nasdaq National Market, the last sale price of the Shares as reported
          on the Nasdaq National Market on such date or, if the Nasdaq National
          Market is not open for trading on such date, on the most recent
          preceding date when it is open for trading,
     (o)  "Option" shall mean an option granted under Section 6(a) of the Plan
          that is not intended to meet the requirements of Section 422 of the
          Code or any successor provision, and shall include any Reload Option.
     (p)  "Other Stock-Based Award" shall mean any right granted under Section
          6(f) of the Plan.
     (q)  "Participant" shall mean an Eligible Person designated to be granted
          an Award under the Plan.
     (r)  "Performance Award" shall mean any right granted under Section 6(d) of
          the Plan.
     (s)  "Person" shall mean any natural person, corporation, partnership,
          association or trust.
     (t)  "Plan" shall mean this eFunds Corporation 2000 Stock Incentive Plan,
          as amended from time to time.
     (u)  "Reload Option" shall mean any Option granted under Section 6(a)(iv)
          of the Plan.
     (v)  "Restricted Stock" shall mean any Share issued pursuant to an Award
          granted under Section 6(c) of the Plan.
     (w)  "Restricted Stock Right" shall mean any right granted under Section
          6(c) of the Plan.
     (x)  "Rule 16b-3" shall mean the rule so designated which has been
          promulgated by the SEC under the authority of Section 16 of the
          Exchange Act, as such rule may be amended from time to time, together
          with any successor law or rule.
     (y)  "SEC" shall mean the United States Securities and Exchange Commission.
     (z)  "Shares" shall mean shares of Common Stock or such other securities or
          property as may become subject to Awards pursuant to an adjustment
          made under Section 4(c) of the Plan.
     (aa) "Stock Appreciation Right" shall mean any right granted under Section
          6(b) of the Plan.
     (bb) "Third Party" shall mean any Person other than the Company or any of
          its Affiliates.

Section 3. Administration.

     (a)  Power and Authority of the Committee. The Plan shall be administered
          by the Committee. Subject to the express provisions of the Plan and to
          applicable law, the Committee shall have full power and authority to:
          (i) designate Participants; (ii) determine the type or types of Awards
          to be granted to each


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          Participant under the Plan; (iii) determine the number of Shares to be
          covered by (or the method by which payments or other rights are to be
          calculated in connection with) each Award; (iv) determine the terms
          and conditions of any Award or Award Agreement; (v) subject to Section
          7(c) of this Plan, amend the terms and conditions of any Award or
          Award Agreement and accelerate the exercisability of any Award or the
          lapse of restrictions relating to any Award; (vi) determine whether,
          to what extent and under what circumstances Awards may be exercised
          with the payment of cash, Shares, promissory notes, other securities,
          other Awards or other property, or canceled, forfeited or suspended;
          (vii) determine whether, to what extent and under what circumstances
          cash, Shares, promissory notes, other securities, other awards, other
          property and other amounts issuable or payable by the Company with
          respect to an Award under the Plan shall be deferred either
          automatically or at the election of the holder thereof or the
          Committee; (viii) interpret and administer the Plan and any instrument
          or agreement, including an Award Agreement, relating to the Plan; (ix)
          establish, amend, suspend or waive such rules and regulations and
          appoint such agents as it shall deem appropriate for the proper
          administration of the Plan; and (x) make any other determination and
          take any other action that the Committee deems necessary or desirable
          for the administration of the Plan. Unless otherwise expressly
          provided in the Plan, all designations, determinations,
          interpretations and other decisions under or with respect to the Plan
          or any Award shall be within the sole discretion of the Committee, may
          be made at any time and shall be final, conclusive and binding upon
          any Participant, any holder or beneficiary of any Award and any
          employee of the Company or its Affiliates and any other Eligible
          Person.

     (b)  Delegation. The Committee may delegate all or any of its powers and
          duties under the Plan to one or more Directors, or a committee of
          Directors, subject to such terms, conditions and limitations as the
          Committee may establish in its sole discretion; provided, however,
          that the Committee shall not delegate its powers and duties under this
          Plan with regard to Awards granted to officers or directors of the
          Company or its Affiliates who are subject to Section 16 of the
          Exchange Act.

     (c)  Power and Authority of the Board of Directors. Notwithstanding
          anything to the contrary contained herein, the Board may, at any time
          and from time to time, without any further action of the Committee,
          exercise the powers and duties of the Committee under the Plan.

Section 4. Shares Available for Awards.

     (a)  Shares Available. Subject to the provisions of Section 4(c) hereof,
          the Shares available for Awards under the Plan shall be authorized,
          but unissued, Shares or Shares held in the treasury of the Company.
          Subject to adjustment as provided in Section 4(c), the maximum number
          of Shares available for granting Awards under the Plan shall be 20% of
          the total number of shares of Common Stock then outstanding.

     (b)  Accounting for Awards. For purposes of this Section 4, if an Award
          entitles the holder thereof to receive or purchase Shares, the number
          of Shares covered by such Award or to which such Award relates shall
          be counted on the date of grant of such Award against the aggregate
          number of Shares available for grants under the Plan.


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     (c)  Adjustments. In the event that the Committee shall determine that any
          dividend or other distribution (whether in the form of cash, Shares,
          other securities or other property), recapitalization, stock split,
          reverse stock split, reorganization, merger, consolidation, split-up,
          spin-off, combination, repurchase or exchange of Shares or other
          securities of the Company, issuance of warrants or other rights to
          purchase Shares or other securities of the Company or other similar
          corporate transaction or event affects the Shares such that an
          adjustment is determined by the Committee to be appropriate in order
          to prevent dilution or enlargement of the benefits or potential
          benefits intended to be made available under the Plan, then the
          Committee shall, in such manner as it may deem equitable, adjust any
          or all of (i) the number and type of Shares (or other securities or
          other property) which thereafter may be made the subject of Awards,
          (ii) the number and type of Shares (or other securities or other
          property) subject to outstanding Awards and (iii) the purchase or
          exercise price with respect to any Award; provided, however, that the
          number of Shares covered by any Award or to which such Award relates
          shall always be a whole number.

     (d)  Award Limitations Under the Plan. The maximum number of Shares
          available for Awards of Restricted Stock or Restricted Stock Rights
          under the Plan shall be 2% of the total number of shares of Common
          Stock outstanding, determined as of the date of grant of such Award of
          Restricted Stock or Restricted Stock Rights.

Section 5. Eligibility.

Any Eligible Person shall be eligible to be designated a Participant. In
determining which Eligible Persons shall receive an Award and the terms of any
Award, the Committee may take into account the nature of the services rendered
by the respective Eligible Persons, their present and potential contributions to
the success of the Company, and such other factors as the Committee, in its
discretion, shall deem relevant.

Section 6. Awards.

     (a)  Options. The Committee is hereby authorized to grant Options to
          Participants with the following terms and conditions and with such
          additional terms and conditions not inconsistent with the provisions
          of the Plan as the Committee shall determine:

          (i)  Exercise Price. The purchase price per Share purchasable under an
               Option shall be determined by the Committee; provided, however,
               that such purchase price shall not be less than 100% of the Fair
               Market Value of a Share on the date of grant of such Option,
               provided that the per Share exercise price may be set below Fair
               Market Value by an amount determined necessary or appropriate by
               the Committee to satisfy applicable requirements of law or
               government regulation.

          (ii) Option Term. The term of each Option shall be fixed by the
               Committee, but shall not exceed ten years.

          (iii) Time and Method of Exercise. The Committee shall determine the
               time or times at which an Option may be exercised in whole or in
               part and the method or methods by which, and the


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               form or forms (including, without limitation, cash, Shares,
               promissory notes, other securities, other Awards or other
               property, or any combination thereof, having a Fair Market Value
               on the exercise date equal to the relevant exercise price) in
               which, payment of the exercise price with respect thereto may be
               made or deemed to have been made.

          (iv) Reload Options. The Committee may grant Reload Options,
               separately or together with another Option, pursuant to which,
               subject to the terms and conditions established by the Committee,
               the Participant would be granted a new Option when the payment of
               the exercise price of a previously granted option is made by the
               delivery of Shares owned by the Participant pursuant to Section
               6(a)(iii) hereof or the relevant provisions of another plan of
               the Company, and/or when Shares are tendered or withheld as
               payment of the amount to be withheld under applicable income tax
               laws in connection with the exercise of an Option, which new
               Option would be an Option to purchase the number of Shares not
               exceeding the sum of (A) the number of Shares so provided as
               consideration upon the exercise of the previously granted option
               to which such Reload Option relates and (B) the number of Shares,
               if any, tendered or withheld as payment of the amount to be
               withheld under applicable tax laws in connection with the
               exercise of the option to which such Reload Option relates
               pursuant to the relevant provisions of the plan or agreement
               relating to such option. Reload Options may be granted with
               respect to Options previously granted under the Plan or options
               previously granted under any other stock option plan of the
               Company or may be granted in connection with any Option granted
               under the Plan or options granted under any other stock option
               plan of the Company at the time of such grant. Such Reload
               Options shall have a per Share exercise price equal to the Fair
               Market Value of one Share as of the date of grant of the new
               Option, provided that the per Share exercise price may be set
               below Fair Market Value by an amount determined necessary or
               appropriate by the Committee to satisfy applicable requirements
               of law or government regulation. Any Reload Option shall be
               subject to availability of sufficient Shares for grant under the
               Plan. Shares surrendered as part or all of the exercise price of
               the Option to which it relates that have been owned by the
               optionee less than six months will not be counted for purposes of
               determining the number of Shares that may be purchased pursuant
               to a Reload Option.


     (b)  Stock Appreciation Rights. The Committee is hereby authorized to grant
          Stock Appreciation Rights to Participants subject to the terms of the
          Plan and any applicable Award Agreement. A Stock Appreciation Right
          granted under the Plan shall confer on the holder thereof the right to
          receive upon exercise thereof the excess of (i) the Fair Market Value
          of one Share on the date of exercise (or, if the Committee shall so
          determine, at any time during a specified period before or after the
          date of exercise) over (ii) the grant price (as the same may be
          adjusted under Section 4(c) of the Plan) per Share of the Stock
          Appreciation Right as specified by the Committee, which price shall
          not be less than 100% of the Fair Market Value of one Share (subject
          to any such adjustment) on the date of grant of the Stock Appreciation
          Right, provided that the grant price per Share may be set below Fair
          Market Value by an


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          amount determined necessary or appropriate by the Committee to satisfy
          applicable requirements of law or government regulation. Subject to
          the terms of the Plan and any applicable Award Agreement, the grant
          price, term, methods of exercise, dates of exercise, methods of
          settlement and any other terms and conditions of any Stock
          Appreciation Right shall be as determined by the Committee, which may
          impose upon the exercise of any Stock Appreciation Right such
          conditions or restrictions, not inconsistent with the provisions of
          the Plan, as it may deem appropriate. The term of any Stock
          Appreciation Right shall not exceed ten years.


     (c)  Restricted Stock and Restricted Stock Rights. The Committee is hereby
          authorized to grant Awards of Restricted Stock and Restricted Stock
          Rights to Participants subject to the following terms and conditions
          and such additional terms and conditions, not inconsistent with the
          provisions of the Plan, as the Committee shall determine:

          (i)  Restrictions. Shares of Restricted Stock and Restricted Stock
               Rights shall be subject to such restrictions as the Committee may
               impose (including, without limitation, any limitation on the
               right to vote a share of Restricted Stock or the right to receive
               any dividend or other right or property with respect thereto or
               with respect to a Restricted Stock Right), which restrictions may
               lapse separately or in combination at such time or times, in such
               installments or otherwise as the Committee may deem appropriate.

          (ii) Stock Certificates. Any Restricted Stock granted under the Plan
               shall be evidenced by issuance of a stock certificate or
               certificates, which certificate or certificates shall be held by
               the Company or a custodian acting on behalf of the Company, or,
               if determined by the Committee and consistent with the rules of
               the Nasdaq National Market or any securities exchange on which
               the Shares are listed or admitted to trading, any Restricted
               Stock granted under the Plan may be evidenced by recording the
               issuance of the same in the books and records of the Company.
               Such certificate or certificates shall be registered in the name
               of the Participant and shall bear an appropriate legend referring
               to the terms, conditions and restrictions applicable to such
               Restricted Stock. In the case of Restricted Stock Rights, no
               Shares shall be issued at the time such Awards are granted.

          (iii) Forfeiture; Delivery of Shares. Except as otherwise determined
               by the Committee, upon a Participant's termination of employment
               (as determined by or under criteria established by the Committee)
               with the Company or its Affiliates during the applicable
               restriction period, all Shares of Restricted Stock and all
               Restricted Stock Rights shall be forfeited and reacquired by the
               Company; provided, however, that the Committee may, when it finds
               that a waiver would be in the best interest of the Company, waive
               in whole or in part any or all remaining restrictions with
               respect to Shares of Restricted Stock or Restricted Stock Rights.
               Any Share of Restricted Stock that is no longer subject to
               restrictions shall be delivered to the holder thereof promptly
               after the applicable restrictions lapse or are waived. Upon the
               lapse or waiver of restrictions and the restricted period
               relating to Restricted Stock Rights evidencing the right to


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               receive Shares, such Shares shall be issued and delivered to the
               holders of the Restricted Stock Rights, subject to the provisions
               of the Plan and any applicable Award Agreement.


     (d)  Performance Awards. The Committee is hereby authorized to grant
          Performance Awards to Participants subject to the terms of the Plan
          and any applicable Award Agreement. A Performance Award granted under
          the Plan (i) may be denominated or payable in cash, Shares (including,
          without limitation, Restricted Stock and Restricted Stock Rights),
          other securities, other Awards or other property and (ii) shall confer
          on the holder thereof the right to receive payments, in whole or in
          part, upon the achievement of such performance goals during such
          performance periods as the Committee shall establish. Subject to the
          terms of the Plan and any applicable Award Agreement, the performance
          goals to be achieved during any performance period, the length of any
          performance period, the amount of any Performance Award granted, the
          amount of any payment or transfer to be made pursuant to any
          Performance Award, and any other terms and conditions of any
          Performance Award shall be determined by the Committee.

     (e)  Dividend Equivalents. The Committee is hereby authorized to grant to
          Participants Dividend Equivalents under which such Participants shall
          be entitled to receive payments (in cash, Shares, other securities,
          other Awards or other property as determined in the discretion of the
          Committee) equivalent to the amount of cash dividends paid by the
          Company to holders of Common Stock of the Company with respect to a
          number of Shares determined by the Committee. Subject to the terms of
          the Plan and any applicable Award Agreement, such Dividend Equivalents
          may have such terms and conditions as the Committee shall determine.


     (f)  Other Stock-Based Awards. The Committee is hereby authorized to grant
          to Participants such other Awards that are denominated or payable in,
          valued in whole or in part by reference to, or otherwise based on or
          related to, Shares (including, without limitation, securities
          convertible into Shares), as are deemed by the Committee to be
          consistent with the purpose of the Plan; provided, however, that such
          grants must comply with applicable law. Subject to the terms of the
          Plan and any applicable Award Agreement, the Committee shall determine
          the terms and conditions of such Awards. Shares or other securities
          delivered pursuant to a purchase right granted under this Section 6(f)
          shall be purchased for such consideration, which may be paid by such
          method or methods and in such form or forms (including, without
          limitation, cash, Shares, promissory notes, other securities, other
          Awards or other property or any combination thereof), as the Committee
          shall determine, the value of which consideration shall not be less
          than 100% of the Fair Market Value of such Shares or other securities
          as of the date such purchase right is granted, provided that the value
          of such Shares or other securities may be set below Fair Market Value
          by an amount determined necessary or appropriate by the Committee to
          satisfy applicable requirements of law or government regulation.

     (g)  General.


          (i)  No Cash Consideration for Awards. Awards may be granted for no
               cash consideration or for such minimal cash consideration as may
               be required by applicable law or may be granted for such cash
               consideration as the Committee may determine in its discretion.


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          (ii) Awards May Be Granted Separately or Together. Awards may, in the
               discretion of the Committee, be granted either alone or in
               addition to, in tandem with, or in substitution for any other
               Award or any award granted under any plan of the Company or any
               of its Affiliates other than the Plan. Awards granted in addition
               to or in tandem with other Awards or in addition to or in tandem
               with awards granted under any such other plan of the Company or
               any of its Affiliates may be granted either at the same time as
               or at a different time from the grant of such other Awards or
               awards.

          (iii) Forms of Payments Under Awards. Subject to the terms of the Plan
               and of any applicable Award Agreement, payments or transfers to
               be made by the Company or an Affiliate upon the grant, exercise
               or payment of an Award may be made in such form or forms as the
               Committee shall determine (including, without limitation, cash,
               Shares, promissory notes, other securities, other Awards or other
               property, or any combination thereof), and may be made in a
               single payment or transfer, in installments or on a deferred
               basis, in each case in accordance with rules and procedures
               established by the Committee. Such rules and procedures may
               include, without limitation, provisions for the payment or
               crediting of reasonable interest on installment or deferred
               payments or the grant or crediting of Dividend Equivalents with
               respect to installment or deferred payments.

          (iv) Limits on Transfer of Awards. No Award and no right under any
               such Award shall be transferable by a Participant otherwise than
               by will or by the laws of descent and distribution; provided,
               however, that if so determined by the Committee, a Participant
               may, in the manner established by the Committee, designate a
               beneficiary or beneficiaries to exercise the rights of the
               Participant and receive any property distributable with respect
               to any Award upon the death of the Participant. Notwithstanding
               the preceding sentence, if so determined by the Committee, an
               Option may be transferred by a Participant to any "Family Member"
               (as such term is defined in the General Instructions to Form S-8
               (or any successor to such Instructions or Form)) of that
               Participant in a manner established by the Committee, provided
               that such transfer is not for value (i.e., the Participant making
               the transfer may not receive any consideration therefor). Any
               Family Member to whom an Option is transferred in accordance with
               the preceding sentence shall not make any subsequent transfer of
               such Option or any right thereunder otherwise than by will or the
               laws of descent and distribution; provided, however, that if so
               determined by the Committee, such Family Member may, in the
               manner established by the Committee, designate a beneficiary or
               beneficiaries to exercise the rights of such Family Member under
               the Option and receive any property distributable with respect
               thereto upon the death of such Family Member. Each Award or right
               under any Award shall be exercisable during the Participant's
               lifetime only by the Participant, or if permissible under
               applicable law, by the Participant's guardian or legal
               representative, excepting an Option that has been transferred to
               a Family Member in accordance with the foregoing provisions, in
               which event the Option and any rights thereunder may be
               exercisable during such Family Member's


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               lifetime only by such Family Member or, if permissible under
               applicable law, by the Family Member's guardian or legal
               representative. Except as provided in this clause (iv), no Award
               or right under any such Award may be pledged, alienated, attached
               or otherwise encumbered, and any purported pledge, alienation,
               attachment or encumbrance thereof shall be void and unenforceable
               against the Company or any of its Affiliates.

          (v)  Term of Awards. Subject to the terms of the Plan, the term of
               each Award shall be for such period as may be determined by the
               Committee.

          (vi) Restrictions; Securities Exchange Listing. All Shares or other
               securities delivered under the Plan pursuant to any Award or the
               exercise thereof shall be subject to such restrictions as the
               Committee may deem advisable under the Plan, applicable
               securities laws, rules or regulations, and other regulatory
               requirements, and the Committee may cause appropriate entries to
               be made or legends to be placed on the certificates for such
               Shares or other securities to reflect such restrictions. If the
               Shares or other securities are traded on the Nasdaq National
               Market or a securities exchange, the Company shall not be
               required to deliver any Shares or other securities covered by an
               Award unless and until such Shares or other securities have been
               admitted for trading on the Nasdaq National Market or such
               securities exchange.

Section 7.  Amendment and Termination; Adjustments.

     (a)  Amendments to the Plan. Subject to the provisions of Section 7(c), the
          Board of Directors may amend, alter, suspend, discontinue or terminate
          the Plan; provided, however, that, notwithstanding any other provision
          of the Plan or any Award Agreement, prior approval of the stockholders
          of the Company shall be required for any amendment to the Plan that
          requires stockholder approval under the rules or regulations of the
          Nasdaq National Market or any securities exchange that are applicable
          to the Company.

     (b)  Waivers. Subject to the provisions of the Plan, the Committee may
          waive any conditions of or rights of the Company under any outstanding
          award, prospectively or retroactively.

     (c)  Limitations on Amendments. Neither the Board nor the Committee may
          amend, alter, suspend, discontinue or terminate any outstanding Award,
          prospectively or retroactively, that would have an adverse effect on
          the rights of the Participant with respect to such Award, without the
          consent of the Participant or holder or beneficiary thereof, except as
          otherwise provided herein or in the Award Agreement.

     (d)  Correction of Defects, Omissions and Inconsistencies. The Committee
          may correct any defect, supply any omission or reconcile any
          inconsistency in the Plan or any Award or Award Agreement in the
          manner and to the extent it shall deem desirable to carry the Plan
          into effect.

Section 8. Income Tax Withholding.

In order to comply with all applicable income tax laws or regulations, the
Committee may establish such policy or policies as it deems appropriate with
respect to such laws and regulations, including without limitation the


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establishment of policies to ensure that all applicable payroll, withholding,
income or other taxes, which are the sole and absolute responsibility of a
Participant, are withheld or collected from such Participant. In order to assist
a Participant in paying all or a portion of the taxes to be withheld or
collected upon exercise or receipt of (or the lapse of restrictions relating to)
an Award, the Committee, in its discretion and subject to such additional terms
and conditions as it may adopt, may permit the Participant to satisfy such tax
obligation by (a) electing to have the Company withhold a portion of the payment
or transfer otherwise to be made upon exercise or receipt of (or the lapse of
restrictions relating to) such Award with a Fair Market Value equal to the
amount of such taxes or (b) delivering to the Company Shares or other property
other than Shares issuable upon exercise or receipt of (or the lapse of
restrictions relating to) such Award with a Fair Market Value equal to the
amount of such taxes. The election, if any, must be made on or before the date
that the amount of tax to be withheld is determined.

Section 9. General Provisions.

     (a)  No Rights to Awards. No Eligible Person, Participant or other Person
          shall have any claim to be granted any Award under the Plan, and there
          is no obligation for uniformity of treatment of Eligible Persons,
          Participants or holders or beneficiaries of Awards under the Plan. The
          terms and conditions of Awards need not be the same with respect to
          any Participant or with respect to different Participants.

     (b)  Award Agreements. No Participant will have rights under an Award
          granted to such Participant unless and until an Award Agreement shall
          have been duly executed on behalf of the Company and, if requested by
          the Company, signed by the Participant and delivered to the Company.

     (c)  No Limit on Other Compensation Arrangements. Nothing contained in the
          Plan shall prevent the Company or any of its Affiliates from adopting
          or continuing in effect other or additional compensation plans or
          arrangements, and such arrangements may be either generally applicable
          or applicable only in specific cases.

     (d)  No Right to Employment. The grant of an Award shall not be construed
          as giving a Participant the right to be retained in the employ of the
          Company or any of its Affiliates, nor will it affect in any way the
          right of the Company or any of its Affiliates to terminate the
          employment of any Participant in its or their employ at any time, with
          or without cause. In addition, the Company or any of its Affiliates
          may at any time dismiss a Participant in its or their employ from
          employment free from any liability or any claim under the Plan, unless
          otherwise expressly provided in the Plan or in any Award Agreement.

     (e)  Governing Law. The validity, construction and effect of the Plan, any
          Award Agreement or any Award, and any rules and regulations relating
          to the Plan, any Award Agreement or any Award, shall be determined in
          accordance with the laws of the State of Delaware which shall be the
          proper law thereof notwithstanding any rules regarding conflict of
          laws therein contained under which any other law would be made
          applicable.

     (f)  Severability. If any provision of the Plan, any Award Agreement or any
          Award is or becomes or is deemed to be invalid, illegal or
          unenforceable in any jurisdiction or would disqualify the Plan, any
          Award Agreement or any Award under any law deemed applicable by the
          Committee, then


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          (i)  such provision shall be construed or deemed amended to conform to
               applicable laws, or

          (ii) if it cannot be so construed or deemed amended without, in the
               determination of the Committee, materially altering the purpose
               or intent of the Plan, the Award Agreement or the Award, such
               provision shall be stricken,

          but only as to each jurisdiction, Award Agreement and Award so
          affected, and the Plan, as well as each Award Agreement and Award so
          affected, shall otherwise remain in full force and effect in
          accordance with its original terms.

     (g)  No Trust or Fund Created. Neither the Plan nor any Award shall create
          or be construed to create a trust or separate fund of any kind or a
          fiduciary relationship between the Company or any of its Affiliates
          and a Participant or any other Person. To the extent that any Person
          acquires a right to receive payments from the Company or any of its
          Affiliates pursuant to an Award, such right shall be no greater than
          the right of any unsecured general creditor of the Company or any such
          Affiliate.

     (h)  No Fractional Shares. No fractional Shares shall be issued or
          delivered pursuant to the Plan or any Award, and the Committee shall
          determine whether cash shall be paid in lieu of any fractional Share
          or whether such fractional Share or any rights thereto shall be
          canceled, terminated or otherwise eliminated.

     (i)  Headings. Headings are given to the sections and subsections of the
          Plan solely as a convenience to facilitate reference. Such headings
          shall not be deemed in any way material or relevant to the
          construction or interpretation of the Plan or any provision thereof.

     (j)  Other Benefits. No compensation or benefit awarded to or realized by
          any Participant in the employ of the Company or any of its Affiliates
          under the Plan shall be included for the purpose of computing such
          Participant's compensation under any compensation-based retirement,
          disability or similar plan of the Company or any of its Affiliates
          unless required by law or otherwise provided by such other plan.

Section 10.  Effective Date of the Plan.

The Plan shall be approved by the Board of Directors of the Company and shall be
effective as of April 17, 2000, subject to the approval of the stockholder or
stockholders of the Company, which approval may be satisfied by the approval of
Deluxe Corporation, as the sole stockholder of the Company, for purposes of
satisfying the requirements of the Nasdaq National Market.


Section 11.  Term of the Plan.

The Plan shall continue in effect until it is discontinued or terminated as
provided in Section 7. No Award shall be granted after the termination of this
Plan. However, unless otherwise expressly provided in this Plan or in an
applicable Award Agreement, any Award theretofore granted may extend beyond the
termination of this Plan, and the authority of the Committee provided for
hereunder with respect to this Plan and any Awards, and the authority of the
Board to amend this Plan, shall extend beyond the termination of this Plan.

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