<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


                         PROFESSIONAL SERVICES AGREEMENT

         THIS PROFESSIONAL SERVICES AGREEMENT ("Agreement") is dated as of April
         1, 2000 (the "Effective Date") by and between Deluxe Corporation
         ("Deluxe"), a Minnesota corporation having its principal place of
         business at 3680 Victoria Street North, Shoreview, MN 55126 and eFunds
         Corporation ("eFunds"), a Delaware corporation having its principal
         place of business at 400 West Deluxe Parkway, Milwaukee, WI 53212.

1.0      PURPOSE.

         This Agreement (with its attached exhibits and schedules) provides the
         terms and conditions under which eFunds shall provide Application
         Development, Application Support and Repair, Financial Shared Services,
         CI Order Entry Services and similar professional information
         technology, business process and related (collectively, "IT")
         outsourcing services to Deluxe and its Affiliates on a non-exclusive
         basis.

2.0      DEFINITIONS.

         The following capitalized terms used in the Contract Documents shall
         have the meanings given below or in the context in which such terms are
         used, as the case may be.

         "Affiliate" means any entity that controls, is controlled by or is
         under common control with a party hereto, with control meaning the
         ownership of more than fifty percent (50%) of the equity or the right
         to direct the management of such entity provided, however, that Deluxe
         and its subsidiaries (other than eFunds and its subsidiaries) shall not
         be considered Affiliates of eFunds and eFunds and its subsidiaries
         shall not be considered Affiliates of Deluxe.

         "Application Development" means the provision of professional services
         related to the development of new application software and
         enhancements.

         "Application Support and Repair" means the provision of professional
         services related to identifying and repairing application software
         defects necessary to keep application systems operating at their
         released functionality.

         "CI Order Entry Services" means the provision of professional services
         related to Deluxe's Customer Interface production systems.


         Confidential and Proprietary   1
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         "Confidential Information" means the provisions of this Agreement and
         other Contract Documents to the extent that such provisions or other
         Contract Documents are not filed with the Securities and Exchange
         Commission ("SEC") by either Deluxe or eFunds or, if filed, are granted
         confidential treatment by the SEC and all proprietary information of a
         party that such party treats as confidential, including, without
         limitation, specifications, software, diagrams, information, data,
         materials, markets, customers, suppliers, inventions, products,
         procedures, designs, research and development, business plans,
         financial projections, organizations, employees or consultants or any
         other similar aspects of or information related to the present or
         future business of either party.

         "Contract Documents" mean this Agreement, its Statements of Work,
         exhibits and schedules, if any, and Work Orders, as each may be amended
         from time to time.

         "Fees" means fees for the Services to be paid by Deluxe to eFunds under
         the Contract Documents.

         "Financial Shared Services" mean the provision of professional services
         related to the finance functions of Accounts Payable, Accounts
         Receivable, and General Accounting.

         "Key Deliverables" mean any technology, software, capability, solution,
         process or tangible materials to be developed by eFunds and delivered
         to Deluxe that are designated in a Statement of Work or Work Order as
         being subject to a formal acceptance process. Key Deliverables may be
         either Written Deliverables or Software Deliverables.

         "Key Employees" mean any eFunds employees listed on Exhibit A of this
         Agreement or as so designated in any other Contract Document.

         "Labor Category" means the labor categories in the master management
         plan specified in Section 4.1, as amended from time to time by mutual
         agreement, to enable proper tracking of activities as they relate to
         capitalization versus expense.

         "Project Plan" means a mutually agreed upon document that lists all
         activities, tasks and Key Deliverables for a particular project
         involving Services to be provided under a particular Work Order. The
         Project Plan may include time/duration estimates, cost estimates,
         acceptance test procedures for Key Deliverables and resource
         assignments for each activity/task that makes up the applicable
         project. The Project Plan forms the baseline parameters for that
         project, which parameters may subsequently be amended only by the
         written agreement of the parties.


         Confidential and Proprietary   2
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         "Reimbursable Expenses" mean incidental expenses reasonably incurred by
         eFunds in performing its obligations under the Contract Documents.
         eFunds shall observe Deluxe's Travel & Entertainment policies when such
         activities are required for provision of Services under any Contract
         Document.

         "Services" means the Application Development, Application Support and
         Repair, CI Order Entry Services, Financial Shared Services and any
         other IT services performed hereunder by eFunds or an Affiliate of
         eFunds pursuant to a Contract Document.

         "Software Deliverables" mean Key Deliverables that are operational
         software (either a completed system or any module, subsystem or
         release) as designated in a Work Order.

         "Specifications" mean a mutually agreed upon document which describes
         the functional and technical specifications for a Key Deliverable and
         which are designated in a Work Order as the specifications upon which
         development of the Key Deliverable shall be based.

         "Standard Operating Procedures ("SOP")" means Deluxe's documentation,
         guidelines, procedures, standards and like work listed in Exhibit B of
         this Agreement. Such work may be updated by Deluxe from time to time
         during the term of this Agreement.

         "Statement of Work" means a mutually agreed upon document which
         describes generally a particular class or type of Service to be
         provided by eFunds hereunder.

         "Term" means the term of this Agreement as stated in Article 13.0.

         "Work Order" means a document substantially in the form attached as
         Exhibit C and signed by authorized representatives of both parties or,
         as applicable, one of their respective Affiliates, referencing the
         applicable Statement of Work under which Deluxe or an Affiliate
         requests certain Services from eFunds and eFunds agrees to perform such
         Services hereunder upon the terms specified therein.

         "Written Deliverables" are documents, such as reports, system designs
         or documentation as designated in a Project Plan or Work Order.


         Confidential and Proprietary   3
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


3.0      SCOPE OF WORK.


         3.1      Statements of Work.

         Each separate professional service category under this Agreement shall
         be generally described in a Statement of Work. The initial Statements
         of Work for each of the following types of Services are attached to
         this Agreement: Application Development (01), Application Support and
         Repair (02), Financial Shared Services (03) and CI Order Entry Services
         (04). Subject to Deluxe's fixed minimum annual obligations to eFunds
         under Section 5.1 and the applicable Statements of Work, each party
         acknowledges that a Statement of Work does not, in and of itself,
         constitute authorization for the performance of any specific Services
         or the commitment by Deluxe to pay any particular Fees for such
         specific Services, which authorization will be contained in an
         applicable Work Order.

         3.2      Authorization to Perform Services.

         Deluxe or an Affiliate of Deluxe may order Services from eFunds under
         any current Statement of Work by executing a Work Order. Within one
         hundred twenty (120) days of the Effective Date, Deluxe and eFunds
         shall establish a mutually acceptable written procedure for the
         preparation and appropriate approval and execution of Work Orders for
         such ordered Services, including procedures for Work Orders issued by
         Affilates of Deluxe. Until such time as such written procedure has been
         approved by both parties, eFunds shall perform such Services as are
         approved in writing by Deluxe's Relationship Manager (as defined in
         Section 4.3). For the purposes of this Agreement, each such written
         directive or approval shall be treated as a Work Order. Deluxe shall be
         obligated to pay for Services and eFunds shall be obligated to perform
         such Services only pursuant to such a duly approved and executed Work
         Order. No accepted Work Order shall be deemed amended or modified
         except upon the express written approval of the parties.

         3.3      Authority and Responsibility of Deluxe.

         Deluxe shall be entitled to enforce the terms and conditions of any
         Work Order from an Affiliate as if such Work Order had been issued
         directly by Deluxe. Deluxe shall be exclusively responsible for payment
         of any Services performed under any Work Order issued by an Affiliate
         hereunder. All invoices from eFunds for any Services performed under
         any Work Order issued by Deluxe or an Affiliate shall be submitted
         centrally for payment pursuant to Section 4.2.


         Confidential and Proprietary   4
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         3.4      Work Orders Under Protest.

         If Deluxe issues a proposed Work Order that Deluxe declares in writing
         to be for critical Services, in its reasonable judgment, and eFunds is
         unable to agree with Deluxe about the nature or amount of compensation
         to be paid to eFunds for the Services under such proposed Work Order,
         eFunds shall proceed with such Services as a Work Order under protest,
         and the parties shall then continue to negotiate in good faith about
         such compensation terms. If the parties have not resolved their
         differences on such terms within fifteen (15) days of commencement of
         the relevant Services, either party may refer the matter to dispute
         resolution under Article 15.0.

4.0      MANAGEMENT AND STAFFING.

         4.1      Management Plan.

         Within one hundred twenty (120) days after the Effective Date, after
         consultation with Deluxe, eFunds shall provide Deluxe a proposed master
         management plan for delivery of all Services, describing the following
         management and control processes: (a) operating processes and
         procedures relating to the performance of the Services, (b) periodic
         reporting and measurement of actual levels of performance versus the
         applicable performance standards and service levels described elsewhere
         in this Agreement; and (c) descriptions of the management and control
         structures and audit procedures recommended by eFunds within Deluxe and
         eFunds to optimize delivery, monitoring, auditing and performance of
         the Services in a timely, efficient and cost-effective manner. The
         parties shall meet and confer about such master management plan and
         shall adopt such plan in good faith to provide overall guidance for
         their relationship. Notwithstanding the foregoing, the management plan
         shall be subject to Deluxe's reasonable approval.

         4.2      eFunds Account Manager.

         eFunds shall appoint and notify Deluxe of the individual who shall be
         the primary point of contact for eFunds under the Contract Documents
         and who shall be the central manager for performance of the Services on
         a full-time basis (the "eFunds Account Manager"). The eFunds Account
         Manager shall receive all communications or notices directed to eFunds
         and shall have authority to make binding commitments for eFunds under
         the Contract Documents. Any eFunds Account Manager or replacement
         manager shall be subject to Deluxe's approval, which approval shall not
         be unreasonably withheld.


         Confidential and Proprietary   5
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         4.3      Deluxe Relationship Manager.

         Deluxe shall appoint and notify eFunds of the individual who shall be
         the primary point of contact for Deluxe under the Contract Documents
         and who shall be the central manager of Work Orders for the Services on
         a full-time basis (the "Deluxe Relationship Manager"). The Deluxe
         Relationship Manager shall receive all communications or notices
         directed to Deluxe and shall have authority to make binding commitments
         for Deluxe under the Contract Documents.

         4.4      Management Committee.

         The Management Committee shall consist of the Deluxe Relationship
         Manager and the eFunds Account Manager with advisory members from each
         party or its Affiliates as deemed appropriate. The responsibilities of
         the Management Committee include the following: (a) ensure sufficient
         and continued communications between Deluxe and eFunds; (b) attempt to
         resolve disputes by mutual agreement, with escalation to the Executive
         Committee as necessary; (c) review price changes and amendments to the
         Contract Documents; (d) review Deluxe and eFunds responsibilities under
         the Contract Documents; (e) review performance reports, including
         service level reports; (f) review and analyze workload trends and
         variances from plan; (g) analyze and review credits or bonuses, as
         appropriate, between Deluxe and eFunds under the appropriate Statements
         of Work and in light of actual payments made under invoices pursuant to
         Work Orders; and (h) undertake such other responsibilities as Deluxe
         and eFunds may agree from time to time. The Management Committee shall
         meet monthly within fifteen (15) days following the close of the prior
         month, unless Deluxe and eFunds agree to a different schedule.

         4.5      Executive Committee.

         The Executive Committee shall consist of senior-level executives of
         Deluxe and eFunds with advisory members from each company as deemed
         appropriate. The responsibilities of the Executive Committee include
         the following: (a) perform a semi-annual review of Deluxe business
         planning initiatives and expected changes as they relate to the
         Services provided by eFunds; (b) perform a semi-annual review of eFunds
         plans to support Deluxe's business; (c) review semi-annual performance
         evaluation reports (d) attempt to resolve by mutual agreement any
         disputes escalated by the Management Committee; and (e) undertake such
         other responsibilities as Deluxe and eFunds may agree from time to
         time. The Executive Committee shall meet quarterly within thirty (30)
         days following the close of the prior quarter, unless Deluxe and eFunds
         agree to a different schedule.


         Confidential and Proprietary   6
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         4.6      Reporting.

         eFunds shall provide Deluxe with such documentation and other
         information as may be reasonably requested by Deluxe from time to time
         to verify that eFunds' performance of the Services is in compliance
         with the terms and conditions of the Contract Documents. The content
         and format of these reports shall be recommended by the Management
         Committee and approved by the Executive Committee. eFunds shall provide
         at least monthly reports to Deluxe according to the requirements and
         provisions of the applicable Statements of Work and Work Orders.

         4.7      Key Employees

         Exhibit A is a list of individuals who shall be deemed Key Employees
         under the Contract Documents. By mutual agreement, the parties may
         modify or amend such list from time to time. The parties may also
         designate other individuals as Key Employees from time to time under
         any Statement of Work or Work Order. eFunds shall not reassign to
         another account any Key Employee without (a) providing at least
         forty-five (45) days prior written notice thereof to Deluxe for all Key
         Employees who are identified as managers and at least ten (10) days
         prior written notice thereof to Deluxe for all other Key Employees and
         (b) nominating replacement personnel of at least equal competence and
         experience reasonably acceptable to Deluxe. eFunds shall also promptly
         replace any Key Employee who terminate their employment with eFunds or
         its Affiliates or to whom Deluxe reasonably objects with another
         individual with competence and experience reasonably acceptable to
         Deluxe. If eFunds requests Deluxe to permit any Key Employee to take a
         temporary assignment to another site or account for less than five (5)
         days and if such temporary assignment will not materially and adversely
         affect any Services, in Deluxe's reasonable judgment, Deluxe shall
         reasonably cooperate with such request.


         Confidential and Proprietary   7
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         4.8      Nonsolicitation

         During the Term and for a period of six (6) months thereafter, neither
         party shall, either directly or indirectly, solicit for employment by
         itself (or any of its Affiliates) any employee of the other party (or
         any of its Affiliates) who, at the time of the solicitation is an
         employee of such party, and has been involved in the performance of the
         party's obligations under the Contract Documents, unless the hiring
         party obtains the written consent of the other party. Notwithstanding
         the foregoing, if there is a termination of this Agreement for any
         reason and the entry into a period of termination assistance under
         Section 13.6, Deluxe or its designee may, directly or indirectly,
         solicit for employment any eFunds employees (including, without
         limitation, Key Employees) who have performed Services for Deluxe
         within one (1) year of the effective date of the termination notice.
         For the purposes of this Section 4.8, a notice of a job listing or
         opening, advertisement or similar general publication of a job search
         or availability shall not be construed as a solicitation, and the
         hiring of any such employee who responds thereto shall not be a breach
         of this Section 4.8.


         Confidential and Proprietary   8
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         4.9      Subcontractors.

         eFunds shall not subcontract all or any part of the Services provided
         to Deluxe hereunder without the express prior written consent of
         Deluxe, which consent shall not be unreasonably withheld, provided,
         however, eFunds may delegate the performance of any Services to its
         wholly-owned subsidiares upon written notice thereof to Deluxe. Any
         work performed or to be performed by an eFunds' Affiliate which is not
         a wholly-owned subsidiary shall be specifically subject to Deluxe's
         approval which may be given or withheld in Deluxe's reasonable
         discretion. Deluxe's approval of a subcontractor shall not relieve
         eFunds of its obligations under the Contract Documents, and eFunds
         shall remain responsible for the performance of each such subcontractor
         and its employees and for their compliance with all Contract Documents
         as though they were eFunds' own employees. eFunds shall specifically
         require each subcontractor performing Services under any Contract
         Document who has access to Deluxe's Confidential Information in the
         course of performing such Services to be bound by the confidentiality
         and intellectual property assignment or license provisions of this
         Agreement, and, at Deluxe's direction, to execute a non-disclosure or
         intellectual property assignment or license agreement that is
         reasonably satisfactory to Deluxe. Deluxe may request that a particular
         subcontractor be replaced if it reasonably believes that the Services
         being provided by such subcontractor are not adequate, and eFunds shall
         do so in a timely and commercially reasonable manner. Nothing contained
         in any Contract Document shall create any contractual relationship
         between Deluxe and any eFunds subcontractor or supplier. eFunds shall
         bind each of its subcontractors and suppliers by the terms and
         conditions of the Contract Documents, as far as appropriate and
         applicable, to the work to be performed by the subcontractor or
         supplier. eFunds shall be fully responsible to Deluxe for the acts and
         omissions of any eFunds subcontractors and suppliers and of persons
         directly or indirectly employed or contracted by any of them.


         Confidential and Proprietary   9
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


5.0      COMPENSATION.

         5.1      Aggregate Minimum Annual Fees.

         In each year or prorated part of each year during the Term, Deluxe
         shall pay eFunds the following aggregate minimum annual Fees (as
         prorated for any part years in the Term), subject to the specific terms
         and conditions set forth in each then-current Statement of Work for the
         relevant services: Application Development Services and Application
         Support and Repair Services (collectively, approximately U.S.
         $43,000,000 per calendar year); Financial Shared Services
         (approximately U.S. $2,200,000 in calendar 2000 and declining gradually
         to approximately U.S. $1,800,000 in calendar 2004); and CI Order Entry
         Services (approximately U.S. $5,900,000 in calendar 2000 and declining
         gradually to approximately U.S. $2,400,000 in calendar 2004).

         Such payments of Fees shall be comprised of the individual monthly or
         other payments made by Deluxe to eFunds under the specific Work Orders
         in effect during such periods. If Deluxe exceeds its aggregate minimum
         annual Fees under any Statement of Work during any calendar year or
         prorated part thereof during the Term, eFunds shall pay to Deluxe the
         rebates as specified in such Statement of Work. If Deluxe falls short
         of its aggregate minimum annual Fees under any Statement of Work during
         any calendar year or prorated part thereof during the Term, in full
         satisfaction of such commitment, Deluxe shall pay to eFunds the
         compensatory payments as specified in such Statement of Work.

         5.2      Bonuses and Credits.

         A Statement of Work or Work Order may provide for Deluxe to pay bonuses
         to eFunds if eFunds exceeds its specified service levels as and when
         specified therein and may also provide for eFunds to give credits to
         Deluxe if eFunds falls short of its specified service levels as and
         when specified therein. Such bonuses or credits shall be in addition
         to, and not in lieu of, any other remedies that either party may have
         under such Contract Documents, at law or in equity. When applicable,
         the measurement and monitoring methods in Section 7.1 shall be used to
         determine the allocation of such bonuses and credits.

         5.3      Invoices.

         eFunds shall submit all invoices for Services performed for Deluxe or
         any Affiliate to Deluxe at the following address:

                  Deluxe Corporation

                  Attention:  Accounts Payable

                  3680 Victoria Street North

                  Shoreview, MN 55126

         Confidential and Proprietary   10
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         Unless the Statement of Work or Work Order provides otherwise, invoices
         for Fees and Reimbursable Expenses shall be submitted to Deluxe monthly
         by the tenth (10th) day following the end of the month in which the
         Services were performed. Non-monthly invoices for any other
         extraordinary items shall be submitted to Deluxe as the amounts come
         due. Each invoice shall identify the Work Order to which it relates and
         shall reasonably substantiate the basis for the amounts invoiced. For
         any Services being invoiced on a "time and materials" basis, the
         invoice shall also state the total number of hours worked by Labor
         Category. Upon Deluxe's request, eFunds shall provide copies of any
         third party statements or invoices to substantiate claims for
         Reimbursable Expenses.

         5.4      Payment Terms.

         Deluxe shall pay all Fees and Reimbursable Expenses to eFunds in United
         States Dollars, by wire transfer of funds to an account designated by
         eFunds. eFunds' invoices are due and payable within thirty (30) days
         from receipt thereof. If there are any good faith disputes related to
         an invoice, Deluxe shall pay the undisputed portion of the invoice on a
         timely basis and notify eFunds in writing of Deluxe's basis for
         withholding payment of the disputed amount. Disputes with respect to
         invoiced amounts shall be deemed waived if not raised in writing within
         such thirty (30) day period. Upon receipt of Deluxe's dispute notice,
         eFunds and Deluxe shall work together in good faith to resolve such
         dispute in a prompt and mutually acceptable manner. If the dispute is
         not resolved within thirty (30) days after eFunds' receipt of Deluxe's
         dispute notice, the parties shall resolve the issue pursuant to the
         provisions of Article 15.0. Deluxe shall pay any disputed amounts
         within five (5) days after all questions have been resolved.
         Notwithstanding, the foregoing, if Deluxe terminates a Work Order,
         Statement of Work or this Agreement under Section 13.2, 13.3 or 13.5,
         Deluxe shall be entitled to set off any Fees and Reimbursable Expense
         otherwise payable by Deluxe to eFunds against Direct Damages or
         Consequential or Incidental Damages experienced by Deluxe or its
         Affiliates to the extent permitted by this Agreement.


         Confidential and Proprietary   11
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         5.5      Taxes.

         Except as otherwise provided in this Section 5.5, eFunds shall pay all
         taxes, including, without limitation, any charges, fees, duties,
         levies, imposts, rates or other assessments imposed by any federal,
         state, local or foreign taxing authority, including, but not limited
         to, income, profits, gross receipts, excise, property, license, capital
         stock, franchise, transfer, payroll, withholding, social security,
         other employment tax or other taxes, and any interest, penalties or
         additions attributable thereto assessed or levied against eFunds or its
         Affiliates in respect of the Services performed under this Agreement
         ("Taxes"). eFunds shall hold Deluxe, its officers, directors, employees
         and agents harmless from any non-payment or underpayment of such Taxes.
         Deluxe shall pay any applicable sales, use or value added tax, however
         designated or levied, import or export duty or other similar tax or
         charge on the Services or materials provided with the Services.

         5.6      Late Payment Interest.

         For any undisputed amounts not paid by Deluxe within thirty (30) days
         after its receipt of the invoice therefore and for any amounts disputed
         by Deluxe that are ultimately resolved in favor of eFunds, eFunds may
         collect the "prime rate" as published in The Wall Street Journal
         (currently defined as the base rate on corporate loans posted by at
         least 75% of the nation's 30 largest banks, but however the same may be
         from time to time defined; the "Prime Rate") plus 2.5%, or the maximum
         rate allowed by law, whichever is less. Such interest shall begin to
         accrue on the thirty-first (31st) day after Deluxe's receipt of eFunds'
         invoice and shall accumulate on the outstanding balance on a daily
         basis until paid in full.


         Confidential and Proprietary   12
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         5.7      Gain Sharing.

         eFunds shall work with Deluxe to identify potential savings in the
         Services and shall make recommended changes to the methods and
         processing used by Deluxe. Upon mutual agreement, the identified
         potential savings or improved processing techniques shall be researched
         and a proposal shall be presented to Deluxe. eFunds' proposal shall
         include the estimated current costs, the recommended changes and the
         projected savings or service improvements to Deluxe and a proposed Work
         Order setting forth each party's responsibilities to achieve the
         savings or improvements. In the case of improved Services, a mutually
         agreed to value shall be assigned to such improved Services and shall
         be used as the basis for any gain sharing. Upon the parties' execution
         of a Work Order, a Project Plan shall be developed by eFunds to
         accomplish the change. Deluxe shall compensate eFunds for such savings
         or service improvements upon successful implementation as follows, as
         the parties may elect in writing at the time of the relevant Work
         Order's execution: (a) for any change initiated by eFunds resulting in
         the savings or improved Services benefiting Deluxe, eFunds shall retain
         fifty percent (50%) of the savings or value in improved Services for a
         period of twelve (12) months, after which all further savings or
         enhanced value shall be realized by Deluxe; and (b) for any change
         initiated by Deluxe but as to which eFunds has substantially assisted,
         either (i) Deluxe shall retain one hundred percent (100%) of the
         savings or enhanced value and eFunds will be compensated directly
         through Fees for its implementation Services or (ii) eFunds shall
         retain thirty-five percent (35%) of the savings or enhanced value for a
         period of twelve (12) months, after which all further savings or
         enhanced value shall be realized by Deluxe.


         Confidential and Proprietary  13
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


6.0      DELUXE RESPONSIBILITIES

         6.1      Deluxe Facilities.

         Deluxe shall permit eFunds personnel to have reasonable access to
         Deluxe's facilities and systems solely as needed to provide the
         Services hereunder, subject to the following conditions: (a) eFunds
         personnel shall obey all generally applicable rules and procedures at
         such Deluxe facilities and as provided in the SOP, including, without
         limitation, facility, data and computer security rules and procedures;
         (b) eFunds shall not make any structural, mechanical or electrical
         alterations to Deluxe's facilities without Deluxe's prior written
         approval; and (c) when such space is no longer occupied by eFunds
         personnel, eFunds shall return such space to Deluxe in substantially
         the same conditions as when eFunds began use of such space, reasonable
         wear and tear excepted. All such Deluxe facilites shall be reasonably
         safe and sanitary; shall have normal and customary utilities and office
         support services suitable for an IT office environment; shall have
         normal and adequate office furniture and cubicles; and shall be subject
         to janitorial service furnished by Deluxe. Except as otherwise
         specified by Deluxe, in any such Deluxe facility, eFunds personnel
         shall observe Deluxe's normal working hours and holiday schedule as
         reasonably required by Deluxe. eFunds personnel shall display any
         identification cards furnished by Deluxe or otherwise establish their
         identity to the reasonable satisfaction of Deluxe security personnel as
         a condition to access to such Deluxe facilities.

         6.2      Deluxe Personnel and Equipment.

         Deluxe shall make reasonably available to eFunds and on a timely basis
         the Deluxe personnel, computer or other office equipment, products and
         other items, if any, as specified in any applicable Statement of Work
         or Work Order. Subject to Deluxe's prior written approval, eFunds may
         use such Deluxe equipment (including software) away from Deluxe's
         facilities to perform the Services. In such event, eFunds shall:

                  a.   exercise at least reasonable care in the equipment's use
         and storage;

                  b.   use such equipment solely for the performance of the
         Services and not for any other account or customer of eFunds;

                  c.   upon the end of the Term, or at such earlier time as
         Deluxe shall demand, return the equipment to Deluxe in as good order
         and condition as when eFunds received same, reasonable wear and tear
         excepted;


         Confidential and Proprietary   14
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


                  d.   not surrender possession of the equipment or permit the
         use of the equipment by anyone other than eFunds without Deluxe's prior
         written approval;

                  e.   not permit any lien or encumbrance to be levied upon the
         equipment; and

                  f.   assume all risk of loss or damage of the equipment during
         the time that it is in eFund's possession and control, and, as between
         the parties, Deluxe shall at all times retain title to such equipment.

         6.3      Third Party Consents.

         Using reasonable efforts and subject to the right any third party to
         give or withhold consent, Deluxe shall obtain any third party consents,
         if any, that are necessary for eFunds to access and use any third party
         software or hardware identified in a Statement of Work or Work Order as
         reasonably needed for eFunds to perform the Services. eFunds shall
         reasonably cooperate with Deluxe in obtaining such consents. Deluxe
         shall remain solely liable to pay, and shall pay, any reasonable and
         applicable license, transfer or access fees to enable eFunds to access
         and use such third party software or hardware. If and to the extent
         that Deluxe, together with eFunds' reasonable cooperation, is unable to
         obtain any such third party consent, eFunds shall be excused from
         performance of the Services requiring such third party consent until
         such time as a reasonable alternative is secured and approved by
         Deluxe.

         6.4      Back-ups.

         Deluxe shall maintain its own back-up or duplicate copies of any Deluxe
         Data, Deluxe Software or Third Party Software (as defined in Article
         9.0) furnished to eFunds for performance of the Services and shall not
         transfer such materials to eFunds unless and until it has made such
         back-up or duplicate copies. In addition, upon receipt thereof, eFunds
         shall also make appropriate back-up or duplicate copies of such
         materials prior to any other use or processing thereof. In
         circumstances in which eFunds provides processing or similar Services,
         eFunds shall at all times observe professional standards with respect
         to back-up of Deluxe Data, Deluxe Software or Third Party Software used
         in or produced as a result of such Services.


         Confidential and Proprietary   15
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


7.0      PERFORMANCE STANDARDS

         7.1      Service Level Requirements and Measurement.

         All Services shall comply with the applicable performance standards set
         forth in each Statement of Work and Work Order. eFunds shall use all
         reasonably necessary measurements and monitoring tools and procedures
         required to measure and report eFunds' performance of the Services
         against the applicable performance standards. Such measurements and
         monitoring shall permit reporting at a level of detail sufficient to
         verify compliance with such performance standards and shall be subject
         to audit by Deluxe. Each party shall also provide the other party and
         its auditors with information and access to its respective tools and
         procedures upon a reasonable request for purposes of verification. Such
         measurements and monitoring (a) may be used by Deluxe to observe and
         assess the performance by eFunds of its obligations under the Contract
         Documents and (b) shall be used to allocate the bonuses and credits, if
         any, specified in any applicable Statement of Work or Work Order under
         Section 5.2.

         7.2      User Satisfaction Surveys.

         eFunds and Deluxe shall develop jointly a Deluxe user satisfaction
         survey. Within ninety (90) days after the Effective Date, eFunds shall
         commence such user satisfaction interviews, provide a report to
         identify any part of the Services that needs to be improved, and
         subsequently to follow up on any user concerns. Upon Deluxe's request,
         Deluxe may examine the original interview user score sheets,
         questionnaires or other survey materials upon which any such eFunds
         report is based. eFunds shall repeat such user satisfaction surveys at
         least once per calendar year during the Term and more often as Deluxe
         may reasonably request, based on the prior surveys' results. Deluxe may
         consider such survey results in evaluating eFunds' performance of its
         obligations under the Contract Documents and qualifications to be
         awarded additional business. eFunds covenants that measured Deluxe user
         satisfaction in such surveys shall be a material performance criterion
         for eFunds' compensation of its management.


         Confidential and Proprietary   16
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


8.0      AUDITS

         8.1      Service Level Audit.

         At any time during the Term (but not more than once per calendar year)
         and at its own expense, Deluxe may engage its internal audit staff or a
         third party generally in the business of performing audits of IT
         services (a "Service Level Auditor") to perform a review and audit of
         eFunds' performance and reporting of the Services in relation to the
         required service levels in applicable Statements of Work and Work
         Orders (a "Service Level Audit"); provided that the Service Level
         Auditor may not be a company or a division of a company that provides
         IT outsourcing services ("IT Competitor"), unless eFunds consents
         thereto in its sole discretion. The Service Level Auditor shall prepare
         and submit to Deluxe a written report of the results of the Service
         Level Audit (a "Service Level Audit Report"). Deluxe shall deliver to
         eFunds a copy of the Service Level Audit Report within ten (10) days of
         Deluxe's receipt thereof. Any dispute or issue related to a Service
         Level Audit shall be resolved in accordance with the procedures set
         forth in Article 15.0. The Service Level Auditor shall comply with all
         reasonable confidentiality, non-solicitation and security requirements
         that eFunds may reasonably impose but such auditor may nonetheless
         request, copy and examine any books or records which Deluxe itself
         could request, copy and examine under this Agreement.


         Confidential and Proprietary  17
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         8.2      Fee Audit.

         At any time during the Term (but not more than once per calendar year)
         and at its own expense, Deluxe may engage its internal audit staff or
         an independent third party (a "Fee Auditor") to perform a review and
         audit of all records and reports relating to any of the Fees or
         Reimbursable Expenses billed to Deluxe by eFunds pursuant to this
         Agreement (a "Fee Audit") covering the then-current or the previous
         calendar year; provided, however, that any records and reports relating
         to costs incurred by eFunds shall not be subject to review or audit in
         any Fee Audit except to the extent that such records or reports relate
         to pass-through Reimbursable Expenses, and, further provided, such Fee
         Auditor may not be an IT Competitor, unless eFunds consents thereto in
         its sole discretion. The Fee Auditor shall prepare and submit to Deluxe
         a written report of the results of the Fee Audit (a "Fee Audit
         Report"). Deluxe shall provide eFunds with a copy of the Fee Audit
         Report within thirty (30) business days of Deluxe's receipt thereof. In
         the event that the Fee Audit Report reveals that any Fees or
         Reimbursable Expenses have been overbilled, eFunds shall (a) reimburse
         Deluxe such sum with interest from the date upon which such sum was
         first paid by Deluxe (the "Payment Date") until the date on which
         eFunds makes such reimbursement, at the Prime Rate plus one percent
         (1%) on the Payment Date (or the next prior date on which the Wall
         Street Journal was published if not published on the Payment Date), and
         (2) if the overbilled Fees or Reimbursable Expenses exceed by more than
         five percent (5%) the amount which the Fee Auditor determines to have
         been proper, pay the reasonable fees, costs and expenses incurred by
         Deluxe in connection with the Fee Audit. Any dispute or issue related
         to a Fee Audit shall be resolved in accordance with the procedures set
         forth in Article 15.0. The Fee Auditor shall comply with all reasonable
         confidentiality, non-solicitation and security requirements that eFunds
         may reasonably impose but such auditor may nonetheless request, copy
         and examine any books or records which Deluxe itself could request,
         copy and examine under this Agreement.


         Confidential and Proprietary   18
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         8.3      Service Audit.

         At any time during the Term and at its own expense, Deluxe may engage
         its internal audit staff or an independent third party (a "Service
         Auditor") to perform a review and audit ("Service Audit") of the
         Services, including, without limitation, (i) the parts of any Deluxe
         facility at which eFunds is providing such Services, (ii) eFunds
         personnel providing such Services, (iii) data and records relating to
         such Services to verify the integrity, security and privacy of Deluxe
         Data and to examine the eFunds systems that process, store, support and
         transmit such data, and (iv) the provision of any Key Deliverables,
         provided, such Service Auditor may not be an IT Competitor, unless
         eFunds consents thereto in its sole discretion. The Service Auditor may
         examine eFunds' data practices and procedures, management systems,
         general controls and security practices and procedures, disaster
         recovery and backup procedures, incident or investigative records and
         any other aspects of such Services reasonably related to Deluxe. The
         Service Auditor shall prepare and submit to Deluxe a written report of
         the results of the Service Audit (a "Service Audit Report"). Deluxe
         shall provide eFunds with a copy of the Service Audit Report within
         thirty (30) business days of Deluxe's receipt thereof. Any dispute or
         issue related to a Service Audit shall be resolved in accordance with
         the procedures set forth in Article 15.0. The Service Auditor shall
         comply with all reasonable confidentiality, non-solicitation and
         security requirements that eFunds may reasonably impose but such
         auditor may nonetheless request, copy and examine any books or records
         which Deluxe itself could request, copy and examine under this
         Agreement.


         Confidential and Proprietary   19
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         8.4      Benchmark Audit.

         At any time after the first anniversary of the Effective Date (but not
         more than once per calendar year) and at its own expense, Deluxe may
         engage its internal audit staff or a third party generally in the
         business of performing audits of IT services (a "Benchmark Auditor") to
         perform a review and audit of eFunds' performance under any specific
         Statement of Work or for any Work Order (a "Benchmark Audit"); provided
         that such Benchmark Auditor may not be an IT Competitor, unless eFunds
         consents thereto in its sole discretion. A Benchmark Audit shall
         measure eFunds' performance against other nationally or internationally
         recognized outsourcing services providers that regularly provide the
         full range of Services provided by eFunds to Deluxe under this
         Agreement and on similar outsourcing engagements of those providers for
         substantially similar services in substantially similar quantities and
         shall consider productivity and resource cost changes. The Benchmark
         Auditor shall prepare and submit to Deluxe a written report of the
         results of the Benchmark Audit (a "Benchmark Audit Report"). Deluxe
         shall deliver to eFunds a copy of the Benchmark Audit Report within ten
         (10) days of Deluxe's receipt thereof. Any dispute or issue related to
         a Benchmark Audit shall be resolved in accordance with the procedures
         set forth in Article 15.0. The Benchmark Auditor shall comply with all
         reasonable confidentiality, non-solicitation and security requirements
         that eFunds may reasonably impose but such auditor may nonetheless
         request, copy and examine any books or records which Deluxe itself
         could request, copy and examine under this Agreement.

         8.5      eFunds Internal or External Audits.

         During the Term, eFunds shall conduct its own internal or external
         audits required to test the adequacy of eFunds' internal control
         environments. Such audits may include but shall not be limited to
         audits in accordance with the American Institute of Certified Public
         Accountants ("AICPA") Statement on Auditing Standards Number 70,
         "Reports on the Processing Transactions by Service Organizations", as
         the AICPA may amend the same from time to time ("SAS 70"). In addition,
         eFunds may substitute, at its own expense, an SAS 70 audit performed by
         an independent "Big 5" accounting firm for any applicable audit under
         Sections 8.1 - 8.4 above if Deluxe agrees to such substitution.


         Confidential and Proprietary   20
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         8.6      Cooperation with Audits; Follow-Up.

         eFunds shall cooperate with any audit conducted by Deluxe pursuant to
         this Article 8.0 without cost to Deluxe, except eFunds' normally
         billable resources or as otherwise set forth in the Contract Documents.
         The results and reports of each audit under this Article 8.0 shall be
         submitted to the Deluxe Relationship Manager and the eFunds Account
         Manager and, if appropriate, to the Management Committee and to the
         Executive Committee for their review and consideration. If any audit
         report indicates that eFunds' performance of the Services is not
         materially unsatisfactory but could nonetheless be improved in specific
         ways, the Deluxe Relationship Manager and the eFunds Account Manager
         shall implement such recommendations as soon as commercially feasible.
         If any audit report indicates that eFunds' performance of the Services
         is materially unsatisfactory in any respect, eFunds shall submit to
         Deluxe within thirty (30) days of its receipt of the relevant audit
         report a plan to improve eFunds' performance to the level deemed
         acceptable by such audit. Upon review and approval of such plan by the
         Deluxe Relationship Manager and eFunds Account Manager, Management
         Committee or Executive Committees, as appropriate, eFunds shall
         implement such plan within the agreed-upon time frame.

         8.7      Books and Records.

         eFunds shall maintain all normal and customary books and records
         ("Books and Records") to document its performance of the Services and
         to justify all Fees and Reimbursable Expenses that are invoiced to
         Deluxe hereunder. At Deluxe's request, eFunds shall deliver to Deluxe
         or its auditors one copy of such Books and Records in an electronic
         format approved by Deluxe, provided that such electronic copies are
         reasonably available to eFunds. eFunds shall maintain any such Books
         and Records not delivered to Deluxe or demanded by Deluxe for at least
         three (3) years after the final payment made in connection with this
         Agreement. Notwithstanding any other provision herein, eFunds may not
         dispose of any material Books and Records following the expiration of
         such three-year period without written notification to and written
         approval from Deluxe. eFunds shall assist Deluxe in meeting Deluxe's
         legal obligations with respect to the retention of any Books and
         Records in eFunds' possession or control, and Deluxe shall reimburse
         eFunds for the reasonable costs incurred by eFunds while providing such
         assistance or storage.


         Confidential and Proprietary   21
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


9.0      OWNERSHIP AND LICENSES


         9.1      Deluxe Data and Databases.

         From time to time, Deluxe, its Affiliates and their customers,
         suppliers or licensers may provide to eFunds certain of their
         respective data or databases or eFunds may create such data or
         databases for those parties as a result of the Services hereunder
         (regardless of the media on which such data or databases are stored or
         transmitted) (collectively, "Deluxe Data"). Deluxe, its Affiliates and
         their customers, suppliers or licensers shall own all right, title and
         interest in and to the Deluxe Data, and eFunds hereby releases,
         transfers and assigns to such respective owners of the Deluxe Data all
         of eFunds' right, title and interest (including without limitation all
         present and future copyrights or database rights under the European
         Copyright Directive or Database Directive or other similar legislation
         in any other jurisdictions), if any, in and to such Deluxe Data. Deluxe
         hereby grants to eFunds a worldwide, royalty-free, non-exclusive,
         non-transferable, limited right and license during the Term to use,
         copy, maintain, modify, enhance, and create derivative works of such
         Deluxe Data solely as necessary for the provision of the Services
         pursuant to this Agreement. Such authorization includes, without
         limitation, storage, processing and transmission of the Deluxe Data for
         Deluxe; maintenance, development, and modification of derivative works
         as authorized by the Contract Documents; and the duplication of the
         Deluxe Data for operational, developmental, and archival purposes. The
         foregoing license does not give eFunds the right, and eFunds is not
         authorized, to sublicense such Deluxe Data. At any time during the
         Term, Deluxe may receive one or more copies of any or all such Deluxe
         Data from eFunds upon Deluxe's written request, provided in or on such
         media and transmitted by such means as Deluxe may reasonably specify.
         Except as otherwise requested or approved by Deluxe, eFunds shall cease
         all use of the Deluxe Data upon expiration or termination of this
         Agreement, and shall immediately return or destroy the same at Deluxe's
         direction.


         Confidential and Proprietary   22
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         9.2      Deluxe Software.

         From time to time, Deluxe, its Affiliates and their customers,
         suppliers or licensers may provide to eFunds certain of their
         respective software or eFunds may develop such software for those
         parties as a result of the Services hereunder (regardless of the media
         on which such software is stored or transmitted) (collectively, "Deluxe
         Software"). Deluxe, its Affiliates and their customers, suppliers or
         licensers shall own all right, title and interest in and to the Deluxe
         Software, and eFunds hereby releases, transfers and assigns to such
         respective owners of the Deluxe Software all of eFunds' right, title
         and interest (including without limitation all present and future
         copyrights or database rights under the European Union directives or
         regulations or other similar legislation in any other jurisdictions),
         if any, in and to such Deluxe Software. Deluxe hereby grants to eFunds
         a worldwide, royalty-free, non-exclusive, non-transferable, limited
         right and license during the Term to use, copy, maintain, modify,
         enhance, and create derivative works of such Deluxe Software solely as
         necessary for the provision of the Services pursuant to this Agreement.
         Such authorization includes, without limitation, operation of the
         Deluxe Software for Deluxe; maintenance, development, and modification
         of derivative works as authorized by the Contract Documents; and the
         duplication of the Deluxe Software for operational, developmental, and
         archival purposes. The foregoing license does not give eFunds the
         right, and eFunds is not authorized, to sublicense such Deluxe
         Software. Except as otherwise requested or approved by Deluxe, eFunds
         shall cease all use of the Deluxe Software upon expiration or
         termination of this Agreement, and shall immediately return or destroy
         the same at Deluxe's direction.


         Confidential and Proprietary   23
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         9.3      Third Party Software.

         If and to the extent that Deluxe or its Affiliates reasonably requires
         eFunds to access or use any third party software ("Third Party
         Software") to perform the Services under any Contract Document, and,
         subject to Deluxe's compliance with Section 6.3, if applicable, Deluxe
         hereby grants to eFunds a worldwide, royalty-free, non-exclusive,
         non-transferable, limited right and sublicense or other right to use
         during the Term to use, copy, maintain, modify, enhance, and create
         derivative works of such Third Party Software solely as necessary for
         the provision of the Services pursuant to this Agreement. Such
         authorization includes, without limitation, operation of the Third
         Party Software for Deluxe; maintenance, development, and modification
         of derivative works as authorized by the Contract Documents; and the
         duplication of the Third Party Software for operational, developmental,
         and archival purposes. The foregoing sublicense does not give eFunds
         the right, and eFunds is not authorized, to further sublicense such
         Third Party Software. Except as otherwise requested or approved by
         Deluxe, eFunds shall cease all use of the Third Party Software upon
         expiration or termination of this Agreement, and shall immediately
         return or destroy the same at Deluxe's direction.


         Confidential and Proprietary   24
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         9.4      eFunds Materials.

         If and to the extent that Deluxe or its Affiliates reasonably requires
         access to or use of any preexisting or later developed eFunds data,
         databases or software (collectively, "eFunds Materials") to enjoy the
         benefits of the Services under any Contract Document or if any such
         eFunds Materials are incorporated by eFunds in any Key Deliverables,
         eFunds hereby grants to Deluxe and its Affiliates a worldwide,
         royalty-free, non-exclusive, transferable, perpetual license to use,
         copy, maintain, modify, enhance, and create derivative works of such
         eFunds Materials solely for their internal use as herein provided or
         otherwise authorized under the Contract Documents. Such authorization
         includes, without limitation, operation of the eFunds Materials by or
         for Deluxe; maintenance, development, and modification of derivative
         works for solely for the benefit of Deluxe or its Affiliates and their
         successors and assigns but not for any other parties or otherwise as
         authorized by the Contract Documents; and the duplication of the eFunds
         Materials for reasonable operational, developmental, and archival
         purposes. The foregoing sublicense includes the right, and Deluxe and
         its Affiliates are hereby authorized, to sublicense such eFunds
         Materials to any other IT or other business process services
         outsourcing provider serving Deluxe or its Affiliates, provided, such
         sublicense may only be for the benefit of Deluxe and Affiliates and
         their successors and assigns but not for any other parties unless
         further sublicensing is authorized by the Contract Documents. Deluxe
         and its Affiliates and their successors and assigns may continue their
         use of and access to such eFunds Materials under this Section 9.4 upon
         expiration or termination of this Agreement.

         9.5      Key Deliverables.

         Unless otherwise specified in any Statement of Work or Work Order,
         eFunds shall deliver to Deluxe source and any other reasonably
         necessary documentation or components for any Key Deliverables to
         enable Deluxe to use, service and repair such materials with its own
         internal IT resources or with another IT and business process
         outsourcing services provider.


         Confidential and Proprietary   25
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         9.6      Inventions.

         During the Term, either of the parties or the parties jointly may
         conceive of an enhancement, improvement or invention (collectively,
         "Invention") which may be capable of protection under the copyright or
         patent laws of the United States of America, India or another country.
         In such event, Deluxe shall be the sole and exclusive owner of any
         Invention, whether made by eFunds alone, by Deluxe alone or by eFunds
         and Deluxe jointly. eFunds hereby assigns all right, title and interest
         it has or may have in and to any such Invention under the laws of any
         nation, including, without limitation, the laws of the United States
         and India. Deluxe shall solely determine the manner and means for
         patent or other intellectual property protection for such Invention,
         shall select and control the patent counsel to seek such protection,
         shall be responsible for the enforcement of any such patents obtained
         and shall retain the proceeds from any such enforcement. If and only to
         the extent reasonably necessary to perform the Services during the
         Term, Deluxe shall be deemed to have granted to eFunds a limited,
         worldwide, royalty-free and non-transferable license to use and
         practice any Invention for the benefit of Deluxe under the Contract
         Documents. Notwithstanding this Section 9.6, eFunds grants no rights to
         Deluxe, and Deluxe acquires no rights from eFunds, as to any other
         intellectual property of eFunds that are outside the scope of the
         Services and that are not incorporated into any deliverables under the
         Contract Documents.

10.0     CONFIDENTIALITY

         10.1     Deluxe and eFunds Responsibilities.

         All Confidential Information shall be deemed confidential and
         proprietary to the party disclosing such information hereunder. Each
         party may use the Confidential Information of the other party during
         the Term only as permitted or required for the receiving party's
         performance hereunder. The receiving party shall not disclose or
         provide any Confidential Information to any third party and shall take
         reasonable measures (including, without limitation, the use of
         nondisclosure agreements consistent with and not less restrictive than
         this Article 10.0) to prevent any unauthorized disclosure by its
         employees, agents, contractors or consultants. The foregoing duty shall
         survive any termination or expiration of this Agreement for a period of
         ten (10) years from the effective date of such termination or
         expiration. Notwithstanding the foregoing, with respect to any Deluxe
         Data of any kind, the foregoing duty shall be perpetual.


         Confidential and Proprietary   26
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         10.2     Exceptions.

         Notwithstanding Section 10.1, the following information shall not be
         deemed Confidential Information for purposes of this Article 10:

                  a.   information required to be disclosed in public under a
         subpoena, request for documents, or other validly issued judicial or
         administrative process, provided that the party so required promptly
         notifies the other party of the receipt of process and permits the
         other party a reasonable opportunity to respond to such process (and,
         if the other party secures a protective order, such information shall
         remain Confidential Information to the extent therein specified);

                  b.   information which is or becomes generally available to
         the public other than as a result of any unauthorized disclosure by the
         receiving party;

                  c.   information available to the receiving party from a third
         party who received such information on a non-confidential basis and
         without obligation to the disclosing party;

                  d.   information already known to the receiving party prior to
         its disclosure by the other party;

                  e.   information independently developed by the receiving
         party without any use of or reliance on the disclosing party's
         Confidential Information; or

                  f.   information as the parties may mutually agree in writing
         can be disclosed publicly.

11.0     WARRANTIES AND COVENANTS

         11.1     Deluxe Warranties to eFunds.

         Deluxe hereby warrants to eFunds that;

                  a.   the execution and delivery of this Agreement by Deluxe
         has been duly authorized and performance by Deluxe hereunder shall not
         result in the breach of any material term or provision of any charter,
         bylaw or agreement to which Deluxe is a party or by which it is bound;

                  b.   this Agreement constitutes a valid and binding agreement;
         and

                  c.   Deluxe owns or otherwise has the right to grant herein
         the licenses or sublicenses or other rights of use for the Deluxe Data,
         the Deluxe Software and the Third Party Software.

         Confidential and Proprietary   27
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         11.2     EFUNDS Warranties to Deluxe.

         eFunds hereby warrants to Deluxe that:

                  a.   the execution and delivery of this Agreement by eFunds
         has been duly authorized and performance by eFunds hereunder shall not
         result in the breach of any material term or provision of any charter,
         bylaw or agreement to which eFunds is a party or by which it is bound;

                  b.   this Agreement constitutes a valid and binding agreement;

                  c.   eFunds owns or otherwise has the right to grant the
         licenses or sublicenses herein for the eFunds Materials;

                  d.   all Services rendered hereunder shall be performed in a
         professional, workmanlike manner in accordance with the applicable
         Contract Documents;

                  e.   all Key Deliverables and other items provided as a result
         of the Services shall materially conform with the applicable Contract
         Documents;

                  f.   all Software Deliverables shall be free of any virus or
         other surreptitious code and of any disabling or shut down code or
         features;

                  g.   all Software Deliverables shall be "Year 2000 Compliant"
         as defined in the coding standards referred to in Exhibit B hereto; and

                  h.   the performances of the Services and all Key Deliverables
         and other items provided as a result of the Services shall not infringe
         the intellectual property rights (including, without limitation, any
         patents, copyrights, trademarks or trade secrets) of any third party
         anywhere in the world.

         11.3     Deluxe's Remedies.

         Deluxe shall give reasonable written notice to eFunds of any Services,
         Key Deliverables or other items provided as the result of or related to
         the sufficiency of the Services which Deluxe believes to be deficient,
         defective or non-conforming to the foregoing warranties in Section
         11.2. In such case, the parties shall have the following duties and
         rights, respectively:

         a.       eFunds' sole initial obligation and Deluxe's sole initial
         remedy hereunder shall be for eFunds to remedy such deficiency, defect
         or non-conformity within a reasonable time at no charge to Deluxe;


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[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         b.       if eFunds is unable to remedy such deficiency, defect or
         non-conformity within a reasonable time period, then Deluxe's exclusive
         final remedy and eFunds' entire liability for Direct Damages (as
         defined in Article 14.0) in contract, tort or otherwise shall be a
         refund of the amount paid hereunder as Fees or Reimbursable Expenses
         for the deficient, defective or non-conforming Services or
         deliverables; and

         c.       notwithstanding clauses (a) or (b) above, if and to the extent
         that there are any Consequential or Incidental Damages (as defined in
         Article 14.0) in such case, then Deluxe's exclusive final remedy and
         eFunds' entire liability for such Consequential or Incidental Damages
         shall be the payment of same to Deluxe by eFunds, subject to the
         applicable limitation established in Section 14.1.

         11.4     Warranty Disclaimer.

         THE LIMITED EXPRESS WARRANTIES OF THE PARTIES SET FORTH RESPECTIVELY IN
         SECTION 11.1 AND 11.2 ARE IN LIEU OF ALL OTHER WARRANTIES BY EITHER
         PARTY, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE
         WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

         11.5     Certain Covenants.

         eFunds shall obtain all applicable permits and licenses in any such
         jurisdiction generally applicable to entities in the IT services
         business as required in connection with its obligations hereunder.
         eFunds shall comply in all material respects with any applicable
         federal, state and local laws and regulations in the United States of
         America, India or any other jurisdiction where it may operate and
         perform the Services hereunder. Without limiting the foregoing, if and
         to the extent that any U.S. or other national export licenses may be
         required for the export of any software or other materials or equipment
         hereunder or for eFunds to perform the Services, the exporting party
         shall obtain such licenses and shall otherwise comply with such
         applicable export control laws and regulations. eFunds shall pay its
         subcontractors all sums due and owning to such entities in accordance
         with the terms of its agreements with such subcontractors.


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[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


12.0     INDEMNITIES


         12.1     Indemnity by eFunds.

         eFunds shall indemnify, hold harmless and defend Deluxe and its
         Affiliates and their respective directors, officers, agents and
         employees from and against any loss, costs (including reasonable
         attorney's fees) damages, injury, liability, claims, demands, or causes
         of action arising out of or resulting from the Services for:

                  a.   personal injury or death;

                  b.   any material and uncured breach of eFunds' warranties in
         Section 11.2, subject to the limitation in Section 11.3;

                  c.   property damage;

                  d.   claims of infringement of any third party's proprietary,
         privacy or other rights, including, but not limited to, patent,
         copyrights, trademarks, or trade secret (collectively, "Third Party
         Right");

                  e.   any act or omission of eFunds as an employer; or

                  f.   any debt or other duty of any kind or amount owed to an
         eFunds subcontractor

         except and to the extent such loss, cost, damage, injury, liability,
         claim, demand or action is due to Deluxe's negligence or misconduct.

         If the use of any Key Deliverable or other item or Service delivered or
         provided by eFunds hereunder is found to infringe or misappropriate a
         Third Party Right, eFunds shall, at its own option and expense, replace
         the infringing or misappropriated materials or Services with a
         substitute free of the infringement or misappropriation, or shall
         procure for Deluxe's benefit a license or other right to use the same;
         or shall remove the enjoined materials or Services and reimburse Deluxe
         for all amounts paid or expenses incurred with respect thereto.
         Notwithstanding the foregoing, eFunds shall have no obligation or
         liability under this Section 12.1 to the extent any claim(s) is based
         solely upon any changes or modifications made independently by Deluxe
         to such materials or arising from specifications or design requirements
         required by Deluxe as contained in any applicable Work Order.


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[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         12.2     Indemnity by Deluxe.

         Deluxe shall indemnify, hold harmless and defend eFunds and its
         Affiliates and their respective directors, officers, agents and
         employees from and against any loss, costs (including reasonable
         attorney's fees) damages, injury, liability, claims, demands, or causes
         of action arising out of or resulting from its performance under this
         Agreement for:

                  a.   personal injury or death;

                  b.   any material and uncured breach of Deluxe's warranties in
         Section 11.1;

                  c.   property damage;

                  d.   claims of infringement of any Third Party Right;

                  e.   any act or omission of Deluxe as an employer; or

                  f.   any debt or other duty of any kind or amount owed to any
         other Deluxe vendor or supplier,

         except and to the extent such loss, cost, damage, injury, liability,
         claim, demand or action is due to eFunds' negligence or misconduct.

         If the use of any Deluxe Data, Deluxe Software or Third Party Software
         delivered or provided by Deluxe hereunder is found to infringe or
         misappropriate a Third Party Right, Deluxe shall, at its own option and
         expense, replace the infringing or misappropriated materials with a
         substitute free of the infringement or misappropriation, or shall
         procure for eFunds' benefit a license or other right to use the same;
         or shall remove the enjoined materials and reimburse eFunds for all
         amounts paid or expenses incurred with respect thereto. Notwithstanding
         the foregoing, Deluxe shall have no obligation or liability under this
         Section 12.2 to the extent any claim(s) is based solely upon any
         changes or modifications made independently by eFunds to such
         materials.


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[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         12.3     Indemnification Procedures.

         With respect to any third party claims for which a party seeks
         indemnification under this Article 12.0, the indemnification procedures
         set forth in Section 7.01(d)-(f) of the IPO and Distribution Agreement
         between eFunds and Deluxe Corporation dated as of March 31, 2000 shall
         apply, and are hereby incorporated herein and made a part hereof for
         all purposes as if fully set forth herein. With respect to any claims
         for indemnification which do not involve a claim by a third party, the
         procedures set forth in Article 15.0 hereof shall govern the parties,
         rights and obligations with respect thereto.

13.0     TERM AND TERMINATION

         13.1     Term.

         This Agreement shall commence as of the Effective Date and shall expire
         on the fifth (5th) anniversary of that date unless sooner terminated as
         provided in this Article 13.0. Thereafter, this Agreement shall
         automatically be renewed for successive one (1) year periods, unless a
         party provides the other party with written notice at least one
         hundred-eighty (180) days prior to the next scheduled renewal date
         stating that it does not wish for this Agreement to be renewed. If this
         Agreement expires or is otherwise terminated under this Article 13.0,
         its terms and conditions shall continue to apply to any Statements of
         Work and Work Orders then in effect until such Statements of Work or
         Work Orders expire or are terminated.

         13.2     Termination of a Statement of Work or Work Order for Cause.

         If there is a material breach of any Statement of Work or Work Order,
         the non-breaching party shall give written notice thereof to the
         breaching party. If the breaching party does not, within thirty (30)
         calendar days after receiving such written notice, either (a) cure the
         material failure or (b) if the breach is not one that can reasonably be
         cured within thirty (30) days, develop a mutually agreed to plan to
         cure the failure and diligently proceed according to the plan until the
         material failure has been cured, then the non-breaching party may
         terminate the affected Statement of Work or Work Order, in whole or in
         part, for cause by written notice to the breaching party. Prior to
         giving notice of termination of a Statement of Work or Work Order for
         cause, the purported breaching party shall be afforded an opportunity
         to meet with a senior management representative of the non-breaching
         party to explain its position.


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[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
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                        Professional Services Agreement


         13.3     Termination of Agreement for Cause.

         If there is a material breach of this Agreement, including, without
         limitation, due to repeated or chronic breaches of individual
         Statements of Work or Work Orders, the non-breaching party shall give
         written notice thereof to the breaching party. If the breaching party
         does not, within thirty (30) calendar days after receiving such written
         notice, either (a) cure the material failure or (b) if the breach is
         not one that can reasonably be cured within thirty (30) days, develop a
         mutually agreed to plan to cure the failure and diligently proceed
         according to the plan until the material failure has been cured, then
         the non-breaching party may terminate this Agreement for cause by
         written notice to the breaching party. Prior to giving notice of
         termination of this Agreement for cause, the purported breaching party
         shall be afforded an opportunity to meet with a senior management
         representative of the non-breaching party to explain its position.


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                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         13.4     Termination For eFunds' Change of Control.

         If control of eFunds is to be acquired, directly or indirectly, in a
         single transaction or series of related transactions, or all or
         substantially all of the assets or business of eFunds are to be
         acquired by any organization that is not affiliated with eFunds, then,
         within five (5) days of eFunds' execution of any letter fo intent,
         memorandum of understanding or similar document or, in the absence of
         same, upon eFunds' execution of a definitive transaction agreement,
         eFunds shall give written notice thereof to Deluxe in confidence with
         sufficient detail about the proposed transaction and the proposed
         acquiring party to enable Deluxe to determine if continuation of this
         Agreement would be in Deluxe's best interest. If control of any
         Affiliate of eFunds providing Services under a specific Statement of
         Work or Work Order is to be acquired, directly or indirectly, in a
         single transaction or series of related transactions, or all or
         substantially all of the assets or business of such Affiliate of eFunds
         are to be acquired by any organization that is not affiliated with
         eFunds, then, within five (5) days of eFunds' execution of any letter
         of intent, memorandum of understanding or similar document or, in the
         absence of same, upon eFunds' execution of a definitive transaction
         agreement, eFunds shall give written notice thereof to Deluxe in
         confidence with sufficient detail about the proposed transaction and
         the proposed acquiring party to enable Deluxe to determine if
         continuation of such Statement of Work or Work Order by such Affiliate
         of eFunds would be in Deluxe's best interest. In either case, Deluxe
         shall have fifteen (15) days from the receipt of such notice to make
         such determination and, upon written notice to eFunds given within such
         15-day period, may terminate this Agreement or such Statement of Work
         or Work Order, as applicable, upon consummation of the transaction
         decribed in the aforesaid notice, provided such termination notice
         shall designate an actual termination date that is not less than three
         (3) months nor more than twelve (12) months after the date of such
         termination notice and, provided further, the parties shall pay each
         other all sums owed as specified in open Work Orders, net of all
         outstanding rebates, compensatory payments, bonuses or credits. If
         Deluxe does not give such termination notice within such 15-day period
         or does not respond to such eFunds' notice of the proposed transaction,
         Deluxe shall be deemed to have consented to the transaction described
         therein and Deluxe shall have no further termination rights as to this
         Agreement or such Statement Work or Work Order, as the case may be,
         under this Section 13.4. In any event, upon the occurrence of any such
         acquisition transaction, Deluxe may direct eFunds to implement
         additional and commercially reasonable security measures to prevent the
         disclosure of any Deluxe Confidential Information to the acquiring
         entity.





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[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         13.5     Termination Through Insolvency

         Either party may immediately terminate this Agreement upon written
         notice in the event that (a) the other party becomes insolvent, enters
         into receivership, is the subject of a voluntary or involuntary
         bankruptcy proceeding, or makes an assignment for the benefit of
         creditors; or (b) a substantial part of the other party's property is
         or becomes subject to any levy, seizure, assignment or sale for or by
         any creditor or governmental agency. If a party's Affiliate is bound
         under the terms of any Statement of Work or Work Order, the other party
         may immediately terminate such Statement of Work or Work Order upon
         written notice in the event that (a) such Affiliate becomes insolvent,
         enters into receivership, is the subject of a voluntary or involuntary
         bankruptcy proceeding, or makes an assignment for the benefit of
         creditors; or (b) a substantial part of such Affiliate's property is or
         becomes subject to any levy, seizure, assignment or sale for or by any
         creditor or governmental agency, provided, however, such termination
         may not occur if such Affiliate's performance thereunder is guaranteed
         or otherwise covered by the party (eFunds or Deluxe) responsible for
         such Affiliate. Notwithstanding the foregoing, as reasonably required
         for Deluxe to enjoy the benefits of the Services under the Contract
         Documents, any licenses of Deluxe Data, Deluxe Software or Third Party
         Software from Deluxe to eFunds or any licenses of eFunds Materials to
         Deluxe hereunder shall be deemed within the meaning of Section 365(n)
         of the U.S. Bankruptcy Code and shall remain in full force and effect
         in such event.

         13.6     Termination Assistance.

         If this Agreement is to expire or be terminated in accordance with this
         Article 13.0, the parties shall do the following for the resulting
         transition of the Services:

                  a.   eFunds shall continue to perform the Services then being
         performed by eFunds;

                  b.   eFunds shall develop, with the assistance of Deluxe or
         its designee, a plan for the transition of the Services from eFunds to
         Deluxe or its designee;

                  c.   eFunds shall provide training for personnel of Deluxe or
         its designee in the performance of the Services then being transitioned
         to Deluxe;

                  d.   if Deluxe has terminated eFunds under Section 13.2, 13.3,
         13.4 or 13.5, eFunds shall waive, and hereby does waive, Section 4.8
         and eFunds's contractual right, if any, under any employment agreement
         to prohibit (i) any eFunds employee engaged principally in performing
         the Services from accepting


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                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         an offer of employment from Deluxe or its designee or (ii) any eFunds
         subcontractor or consultant performing any portion of the Services from
         entering into a contractual relationship with Deluxe or its designee.
         In addition, eFunds shall allow Deluxe reasonable access to such
         personnel for interviews and recruitment;

                  e.   eFunds shall use reasonable commercial efforts to grant,
         subject to reasonable terms and conditions, or to assist Deluxe or its
         designee to obtain, a sublicense or other right to use any software
         owned or licensed by eFunds that is primarily then used by eFunds to
         perform the Services. In addition, eFunds shall use reasonable
         commercial efforts to provide Deluxe or its designee with appropriate
         interface information for software that is not commercially available,
         provided that eFunds has or can reasonably obtain the necessary rights,
         and further provided that Deluxe reimburses eFunds for any reasonable
         costs that it incurs in connection with obtaining such rights,
         provided, however, if Deluxe has terminated eFunds under Section 13.2,
         13.3, 13.4 or 13.5, Deluxe may recover such fees as Consequential or
         Incidental Damages hereunder;

                  f.   eFunds shall make available to Deluxe or its designee,
         pursuant to reasonable terms and conditions of purchase, any hardware
         owned or leased by eFunds that is substantially dedicated to the
         performance of the Services. If Deluxe or its designee elects to
         purchase any such hardware, the purchase price for any such hardware
         owned by eFunds shall be eFunds's then-current book value and, if
         Deluxe or its designee elects to assume any lease, subject to the terms
         of the applicable lease, Deluxe or its designee may assume eFunds's
         rights and obligations with respect to any such hardware leased by
         eFunds, provided, however, if Deluxe has terminated eFunds under
         Section 13.2, 13.3, 13.4 or 13.5, Deluxe may recover such payments as
         Consequential or Incidental Damages hereunder;

                  g.   eFunds shall use reasonable commercial efforts to assist
         Deluxe or its designee to obtain (on a non-exclusive basis) the
         continuation of any third party services then being used by eFunds in
         the performance of the Services that Deluxe desires to continue;

                  h.   To the extent any part of Deluxe's data or communications
         network services are being provided by eFunds using a proprietary
         network, eFunds shall, at Deluxe's request, continue to provide such
         network services to Deluxe, subject to reasonable terms and conditions,
         for a period not to exceed one (1) year following the effective date of
         expiration or termination, provided, however, if Deluxe has terminated
         eFunds under Section 13.2, 13.3, 13.4 or 13.5, Deluxe


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                        Professional Services Agreement


         may recover such payments as Consequential or Incidental Damages
         hereunder; and

                  i. If prior to termination, eFunds has prepaid charges for a
         license to use any licensed program, to the extent that Deluxe has the
         benefit of such license and prepayment following termination, Deluxe
         shall reimburse eFunds an appropriate portion of the prepaid charges,
         provided, however, if Deluxe has terminated eFunds under Section 13.2,
         13.3, 13.4 or 13.5, Deluxe may recover such payments as Consequential
         or Incidental Damages hereunder.

         eFunds shall provide the above-described termination assistance for the
         Services until the effective date of expiration or termination of this
         Agreement and, if commercially necessary, for up to ninety (90)
         additional days after the effective date of expiration or termination.
         If such termination assistance requires eFunds to incur expenses in
         addition to the Fees or Reimbursable Expenses that eFunds would
         otherwise incur in the performance of this Agreement, then eFunds shall
         notify Deluxe of the nature and extent of such additional expenses and,
         upon Deluxe's approval of same, eFunds shall proceed and invoice Deluxe
         therefor. Deluxe shall pay eFunds for such additional expenses incurred
         within thirty (30) days of the date of such invoice in accordance with
         Article 5.0, provided, however, if Deluxe has terminated eFunds under
         Section 13.2, 13.3, 13.4 or 13.5, Deluxe may recover such payments as
         Consequential or Incidental Damages hereunder.

         13.7     Survival.

         Articles 5.0 (Compensation), 9.0 (Ownership and Licenses), 10.0
         (Confidentiality), 11.0 (Warranties and Covenants), 12.0 (Indemnities),
         13.0 (Term and Termination), 14.0 (Limitation of Liability), 15.0 (Law
         and Disputes), 17.0 (General) and the applicable portions of Article
         16.0 (Insurance) hereof shall survive any termination or expiration of
         this Agreement.


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[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


14.0     LIMITATION OF LIABILITY

         14.1     Damage Limits.

         For purposes of the Contract Documents, "Direct Damages" shall mean any
         damages categorized as direct damages under the law of the State of
         Minnesota and "Consequential or Incidental Damages" shall mean any loss
         of anticipated revenues, income, profits or savings; loss of or damage
         to business reputation or good will; loss of customers; loss of
         business or financial opportunity; or any other indirect or special
         damages of any kind categorized as consequential or incidental damages
         under the law of the State of Minnesota which is a loss of a kind that
         is insured (without application of any deductible amount) by eFunds'
         errors and omissions insurance coverage as required under Section
         16.2(e). There shall be no limit on Direct Damages arising out of or
         resulting from the Services. There shall be a limit on Consequential or
         Incidental Damages arising out of or resulting from the Services equal
         to the ***.

         14.2     Damage Waiver.

         IN NO EVENT SHALL EITHER PARTY BE LIABLE TO THE OTHER PARTY HEREUNDER
         FOR ANY LOST PROFITS OR OTHER CONSEQUENTIAL, INCIDENTAL, INDIRECT,
         SPECIAL OR OTHER SIMILAR DAMAGES, EVEN IF SUCH PARTY HAS BEEN ADVISED
         OF THE POSSIBILITY OF SUCH DAMAGES, IN EXCESS OF THE AMOUNTS SET FORTH
         IN SECTION 14.1 AND IN NO EVENT SHALL EITHER PARTY BE LIABLE TO THE
         OTHER FOR EXEMPLARY OR PUNITIVE DAMAGES. The limitations of liability
         set forth in this Article14.0 shall survive and apply notwithstanding
         the failure of any limited or exclusive remedy for breach of warranty
         set forth in the Contract Documents.


***  Denotes confidential information that has been omitted from the Exhibit and
     filed separately, accompanied by a confidential treatment request, with the
     Securities and Exchange Commission pursuant to Rule 406 of the Securities
     Act, as amended.

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[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


15.0     LAW AND DISPUTES


         15.1     Governing Law.

         The Contract Documents shall be governed by the laws of the State of
         Minnesota, without regard to any provision of Minnesota law that would
         require or permit the application of the substantive law of any other
         jurisdiction.


         15.2     Dispute Handling.

         eFunds and Deluxe shall endeavor to resolve any dispute, whether
         arising during the Term or at any time thereafter which involves the
         validity, construction, meaning, performance, termination, expiration
         or effect of this Agreement or any Contract Documents, or the rights or
         liabilities of the parties, promptly and in an amicable and
         professional manner by negotiations between the parties.


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                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         15.3     Problem Escalation Procedures.

         eFunds through its Account Manager and Deluxe through its Relationship
         Manager may refer any dispute to the Management Committee. The
         Management Committee shall then meet as soon as reasonable in light of
         the nature and impact of the issue under consideration. If a dispute
         cannot be resolved by the Management Committee within a time period
         that is satisfactory to the party raising the issue under consideration
         and, in any event, within thirty (30) days after the initial referral,
         the Management Committee shall refer the dispute to the Executive
         Committee. The Executive Committee shall then meet as soon as
         reasonable in light of the nature and impact of the issue under
         consideration. If a dispute cannot be resolved by the Executive
         Committee within a time period that is satisfactory to the party
         raising the issue under consideration, and, in any event, within thirty
         (30) days after such referral, the Executive Committee shall refer the
         dispute to the Chief Executive Officer of Deluxe and the Chief
         Executive Officer of eFunds. Such Chief Executive Officers shall meet
         as soon as reasonable in light of the nature and impact of the issue
         under consideration. If a dispute cannot be resolved by the Chief
         Executive Officers within a time period that is satisfactory to the
         party raising the issue under consideration and, in any event, within
         thirty (30) days after such referral, either party may submit the
         dispute for final and binding arbitration as provided in Section 15.4.
         Notwithstanding the provisions of this Section 15.3, neither party
         shall be required to use this dispute escalation procedure if there is
         an actual or alleged violation of such party's Confidential Information
         or any other intellectual property rights, and, as to such actual or
         alleged violation, either party reserves all rights to seek judicial
         remedies and relief, including, without limitation, any injunctive
         relief that may be granted by any court of competent jurisdiction.

         15.4     Arbitration.

         Any dispute between the parties arising out of or resulting from this
         Agreement that is not resolved through negotiation pursuant to Section
         15.3 and not subject to the litigation exception therein, shall be
         settled exclusively by final and binding arbitration in accordance with
         the following:

                  a.   except as specified below or otherwise agreed in writing,
         the arbitration shall be conducted in accordance with the then-current
         Commercial Arbitration Rules of the American Arbitration Association
         (such organization, the "AAA" and such rules, the "AAA Rules");


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                        Professional Services Agreement


                  b.   the arbitrators shall be three (3) neutral persons
         selected by agreement of the parties or, failing such agreement in the
         thirty (30) day period after the initial list of available arbitrators
         has been provided to both parties by the AAA, in accordance with the
         AAA Rules. Unless otherwise agreed in writing by the parties, one
         arbitrator shall be an information technology professional with
         technical experience; one arbitrator shall be a certified public
         accountant with a major international accounting firm that is not then
         serving either party and that has experience in long-term project
         contracts; and one arbitrator shall be an experienced business attorney
         with experience in information technology transactions and contracts.
         If the amount in dispute is less than two hundred fifty thousand
         dollars ($250,000), the arbitration shall be conducted by one
         arbitrator who shall be an experienced business attorney with
         experience in information technology transactions and contracts;

                  c.   any demand for arbitration or any counterclaim shall
         specify in reasonable detail the facts and legal grounds forming the
         basis for the claimant's request for relief, and shall include a
         statement of the total amount of damages claimed, if any, and any other
         remedy sought by the claimant;

                  d.   the arbitration proceedings shall take place in
         Minneapolis or St. Paul, Minnesota;

                  e.   upon the request of either party, and in the arbitration
         panel's or sole arbitrator's discretion, the parties shall be entitled
         to limited pre-hearing discovery including depositions of testifying
         witnesses, exchanges of documents and lists of testifying witnesses,
         and written interrogatories. The arbitration panel or sole arbitrator
         shall conduct a hearing within thirty (30) days after the end of
         discovery and shall issue an award, supported by a written opinion,
         within thirty (30) days after the end of the hearing;

                  f.   the arbitration panel or sole arbitrator may render an
         award of monetary damages to either party and direct either or both
         parties to take or refrain from taking action, or both. However, the
         arbitration panel may not award any exemplary or punitive damages or
         any monetary damages or order any action whose fair market value would
         be in excess of or beyond the damage limits allowed under Article 14.0;

                  g.   the arbitration panel or sole arbitrator may, at its
         discretion, require one party to the arbitration to reimburse the other
         party to the arbitration for all or any part of the expenses of the
         arbitration paid by the other


         Confidential and Proprietary   41
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         party and the reasonable attorneys' fees and other expenses reasonably
         incurred by the other party in connection with the arbitration in
         addition to any other relief granted in the award; and

                  h.   judgment upon the award rendered in the arbitration may
         be entered in any court of competent jurisdiction.

         15.5     Continued Performance.

         Unless and until a termination occurs under Section 13.2, 13.3, 13.4 or
         13.5, each party shall continue performing its respective obligations
         under the Contract Documents, to the extent any of the same have not
         been terminated and are in force, in good faith while any dispute
         submitted to arbitration under this Article 15.0 is being resolved and
         until such obligations are terminated by the expiration of this
         Agreement or by a final and binding arbitral award to the contrary
         under this Article 15.0.

         15.6     Limitation of Actions.

         No proceeding, regardless of form, arising out of or related to the
         Contract Documents may be brought by either party more than two (2)
         years after the accrual of the cause of action, except that (a)
         proceedings related to violation of a party's proprietary rights or any
         duty to protect Confidential Information may be brought at any time
         within the applicable statute of limitations, and (b) proceedings for
         non-payment may be brought up to two (2) years after the date the last
         payment was due.

16.0     PROVISION OF INSURANCE

         16.1     General.

         All insurance policies eFunds is required pursuant to this Article 16.0
         shall:

                  a.   be primary as to eFunds' negligence and non-contributing
         with respect to any other insurance or self-insurance eFunds may
         maintain;

                  b.   be provided by reputable and financially responsible
         insurance carries with a Best's minimum rating of "A-" (or equivalent)
         and Best's minimum financial performance rating of "VII" (or any other
         future equivalent);

                  c.   require the insurer to notify Deluxe in writing by
         registered or certified mail at least thirty (30) days in advance of
         cancellation or material modification, which shall be deemed approved
         by Deluxe unless Deluxe notifies eFunds in writing of its disapproval
         within fifteen (15) days of receiving such notice from the insurer. In
         the event that Deluxe notifies eFunds of its good faith


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                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         disapproval in accordance with this subsection (c), eFunds shall use
         commercially reasonable efforts to prevent such cancellation or
         modification until eFunds and Deluxe reach a mutual agreement regarding
         such change in insurance coverage; and

                  d.   name Deluxe as an Additional Insured on the Commercial
         General Liability, Automobile Liability and Professional Liability
         policies.

         16.2     Coverage.

         Commencing on the date that eFunds is no longer a majority owned
         subsidiary of Deluxe and during the Term, eFunds shall maintain and
         keep in force, at its own expense, the following minimum insurance
         coverage and minimum limits:

                  a.   workers' compensation insurance, with statutory limits as
         required by the various laws and regulations applicable to the
         employees of eFunds performing work hereunder;

                  b.   employer's liability insurance, for employee bodily
         injuries and deaths, with a limit of at least US$500,000;

                  c.   comprehensive or commercial general liability insurance,
         covering claims for bodily injury, death and property damage, including
         premises and operations, independent contractors, products, services
         and completed operations (as applicable to the services), personal
         injury, contractual, and broad-form property damage liability coverage,
         with limits of at least US$5,000,000 per occurrence for bodily injury,
         death and property damage and at least US$5,000,000 in aggregate;

                  d.   comprehensive automobile liability insurance, covering
         owned, non-owned and hired vehicles, with limits of at least
         US$5,000,000;

                  e.   professional liability (errors and omission) insurance
         with a single limit of liability of the greater of (i) US$17,500,000 or
         (ii) thirty-five percent (35%) of the total Fees and Reimbursable
         Expenses paid by Deluxe to eFunds hereunder during the preceding twelve
         (12) month period prior to the event causing such damages, net of
         rebates, compensatory payments, bonuses and credits, provided, however,
         if neither of the foregoing is obtainable by eFunds at commercially
         feasible rates and can be so demonstrated in writing to Deluxe's
         reasonable satisfaction, such other amount of errors and omission
         insurance as the parties may mutually establish in writing, which
         insurance policy shall be maintained for the Term and for a period of
         not less than three (3) years after termination of the Agreement; and


         Confidential and Proprietary   43
                                                                    May 15, 2000
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[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


                  f.   fidelity/crime insurance for the dishonest acts of
         eFunds' employees in a minimum amount of US$5,000,000, which insurance
         policy shall name Deluxe as a "loss payee, as their interests may
         appear" and which shall cover eFunds' responsibility for the loss of
         property belonging to Deluxe and its customers, directly or indirectly.

17.0     GENERAL

         17.1     Notices.

         Any notice or other communication required or permitted to be made or
         given by either party pursuant to the Contract Documents shall be in
         writing, in English, and shall be deemed to have been duly given: (a)
         five (5) business days after the date of mailing if sent by registered
         or certified U.S. mail, postage prepaid, with return receipt requested;
         (b) when transmitted if sent by facsimile, provided a confirmation of
         transmission is produced by the sending machine and a copy of such
         facsimile is promptly sent by another means specified in this Section;
         or (c) when delivered if delivered personally or sent by express
         courier service. All notices shall be sent to the other party at its
         address as set forth below or at such other address as such party shall
         have specified in a notice given in accordance with this Section:

<TABLE>
<CAPTION>
                  ----------------------------------------------------------------------

                        In the case of Deluxe:                  With a copy to:
                  ----------------------------------------------------------------------
                  <S>                                 <C>
                  Deluxe Financial Services, Inc.     Deluxe Financial Services, Inc.

                  3680 Victoria Street North          3680 Victoria Street North

                  Shoreview, Minnesota 55126          Shoreview, Minnesota 55126

                  Attn: Ron Eilers                    Attn: Legal Department

                  Fax: (651)481-4477                  Fax: (651)787-2749
                  ----------------------------------------------------------------------
</TABLE>



         Confidential and Proprietary   44
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


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

                     In the case of eFunds:          With a copy to:
                  --------------------------------------------------------------

                     eFunds Corporation            eFunds Corporation

                     1080 W County Road F          1080 W County Road F

                     Shoreview, MN  55126          Shoreview, MN 55126

                     Attn: Debra Janssen           Attn: Legal Department

                     Fax: (414)341-5141            Fax: (651)787-2749
                  --------------------------------------------------------------


         17.2     Reasonable Behavior.

         Each party shall act in good faith in the performance of its respective
         responsibilities under the Contract Documents and shall not, except as
         otherwise expressly provided in the Contract Documents, unreasonably
         delay, condition or withhold the giving of any consent, decision or
         approval that is either requested or reasonably required by the other
         party in order to perform its responsibilities under the Contract
         Documents.

         17.3     Assignment.

         Neither party may assign or otherwise transfer the Contract Documents
         or any of the rights that they grant without the prior written consent
         of the other party, provided, however, subject to Section 13.4, no such
         consent shall be required if a party makes such assignment or transfer
         in the course of a sale or acquisition of all or substantially all of
         the assets or business of such party and the surviving or acquiring
         entity agrees in writing to be bound by all the terms and conditions of
         the Contract Documents. Any purported assignment in violation of the
         preceding sentence shall be void and of no effect. The Contract
         Documents shall be binding upon the parties' respective successors and
         permitted assigns.


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                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         17.4     Integration; Amendment.

         The Contract Documents constitute the entire agreement between the
         parties, and supersede all other prior or contemporaneous
         communications between the parties (whether written or oral) relating
         to the subject matter of the Contract Documents. The Contract Documents
         may be modified or amended solely in a writing signed by both parties
         executed by an officer thereof or by the eFunds Account Manager or the
         Deluxe Relationship Manager. Each Work Order adopted under this
         Agreement shall incorporate the terms and conditions of this Agreement
         and shall constitute a separate contract between the parties. A Work
         Order may amend the terms and conditions of this Agreement only as they
         apply to that particular Work Order and shall not have any general
         effect on this Agreement.

         17.5     Severability.

         The provisions of the Contract Documents shall be deemed severable, and
         the unenforceability of any one or more provisions shall not affect the
         enforceability of any other provisions. In addition, if any provision
         of the Contract Documents, for any reason, is declared to be
         unenforceable, the parties shall substitute an enforceable provision
         that, to the maximum extent possible in accordance with applicable law,
         preserves the original intentions and economic positions of the
         parties.

         17.6     Order Of Precedence.

         In the event of any conflict between or among the provisions contained
         in the Contract Documents, the following order of precedence shall
         govern: (a) Work Order or applicable Project Plan, (b) Statements of
         Work; (c) this Agreement, exclusive of its Exhibits; and (d) Exhibits
         to this Agreement.

         17.7     No Waiver.

         No failure or delay by either party in exercising any right, power or
         remedy shall operate as a waiver of such right, power or remedy, and no
         waiver shall be effective unless it is in writing and signed by the
         waiving party. If either party waives any right, power or remedy, such
         waiver shall not waive any successive or other right, power or remedy
         the party may have under the Contract Documents.


         Confidential and Proprietary   46
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         17.8     Force Majeure.

         Neither party shall be liable for any losses arising out of the delay
         or interruption of its performance of its obligations under the
         Contract Documents due to any act of God, act of governmental
         authority, act of public enemy, or due to war, riot, flood, civil
         commotion, insurrection, severe weather conditions, or any other cause
         beyond the reasonable control of the affected party (collectively, a
         "Force Majeure Event").

                  a.   In and during a Force Majeure Event, the affected party
         shall be excused from any further performance or observance of its
         obligation(s) , provided such party uses commercially reasonable
         efforts to recommence performance or observance whenever and to
         whatever extent possible without delay. The affected party shall
         immediately notify the other party by telephone or by the most timely
         means otherwise available (to be confirmed in writing within two (2)
         days of the inception of such event) and describe in reasonable detail
         the circumstances of such event;

                  b.   If a Force Majeure Event delays or interrupts the
         Services more than the time limits specified in any applicable
         Statement of Work or Work Order, Deluxe may, at its option and upon
         written notice thereof to eFunds, (i) procure such Services from an
         alternate source until eFunds is again able to provide such Services,
         or (ii), if the delay or interruption exceeds the earlier of one
         hundred eighty (180) days or the termination date of the applicable
         Statement of Work or Work Order or the other time therein provided for
         termination for Force Majeure Events, if any, terminate the same. If
         Deluxe elects option (i), Deluxe shall continue to pay eFunds the Fees
         established in the applicable Statement of Work or Work Order during
         such period, and eFunds shall be liable for all payments made and costs
         incurred by Deluxe required to obtain cover Services from an alternate
         source until eFunds notifies Deluxe that eFunds is again able to
         provide the Services and Deluxe's contractual commitment to such
         alternate source has expired. If Deluxe elects option (ii), Deluxe may
         make such termination upon ten (10) days prior written notice,
         effective as of a date specified therein, and Deluxe shall pay all Fees
         and Reimbursable Expenses due and payable through the termination date,
         but in no event shall Deluxe be obligated to pay any Compensatory
         Payments described in the applicable Statement of Work or Work Order.

                  c.   Notwithstanding any other provision of this Section 17.8,
         a Force Majeure Event shall not relieve eFunds of its obligation to
         provide disaster recovery services in accordance with plans described
         in the applicable Statement of Work.

         Confidential and Proprietary   47
                                                                    May 15, 2000
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[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         17.9     Non-Use of Deluxe's Name.

         eFunds shall not, in the course of performance of this Agreement, or
         thereafter, use Deluxe's name in any advertising or promotional media
         without the prior written consent of Deluxe, which consent shall not be
         unreasonably withheld. The foregoing shall not be deemed to prohibit
         any disclosure by eFunds of the existence of the Deluxe customer
         relationship or the material terms and conditions of this Agreement
         under any applicable securities laws and regulations or the rules of
         any stock exchange where the securities of eFunds may be traded.





         Confidential and Proprietary   48
                                                                    May 15, 2000
<PAGE>

[LOGO OF E FUNDS, INC. APPEARS HERE]   [LOGO OF DELUXE CORPORATION APPEARS HERE]
                           eFunds/Deluxe Corporation

                        Professional Services Agreement


         WHEREFORE, each party has caused its authorized representative to
execute this Agreement as of the Effective Date.



         eFunds Corporation

         By:
            --------------------------------

         Name:
              ------------------------------

         Title:
               -----------------------------



         Deluxe Corporation

         By:
            --------------------------------

         Name:
              ------------------------------

         Title:
               -----------------------------




         Confidential and Proprietary   49
                                                                    May 15, 2000