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                                                                    EXHIBIT 10.6

                             RESTRICTED STOCK RIGHT
                                 AWARD AGREEMENT
                               eFunds Corporation
                            2000 STOCK INCENTIVE PLAN

THIS RESTRICTED STOCK RIGHT AWARD AGREEMENT (this "Agreement") is made and
entered into as of the 14th day of February, 2003, by and between eFunds
Corporation, a corporation incorporated under the laws of the State of Delaware,
United States of America, and Colleen M. Adstedt (the "Recipient").

RECITALS:

      WHEREAS, the Company has adopted the eFunds Corporation 2000 Stock
Incentive Plan, as the same may be amended from time to time (the "Plan"),
pursuant to which it may grant Awards to Eligible Persons;

      WHEREAS, all capitalized and undefined terms used herein shall have the
meanings given to them in the Plan, unless otherwise defined herein; and

      WHEREAS, the Recipient has provided or is expected to provide valuable
services to the Company or its Affiliates as an officer, employee or consultant
of or to the Company or any of its Affiliates and the Company desires to
recognize the Recipient for such services by granting to the Recipient an award
upon and subject to the terms and conditions of this Agreement and the Plan; and

      WHEREAS, the Company and the Recipient are parties to that certain Change
in Control Agreement, dated as of June 5, 2000 (as amended the "Change in
Control Agreement").

NOW THEREFORE the parties hereto agree as follows:

Section 1. Award.

      (a) The Company, effective as of the date of this Agreement, hereby grants
to the Recipient, and the Recipient hereby accepts from the Company, upon the
terms and subject to the conditions, limitations and restrictions set forth in
this Agreement and the Plan, the right (the "Restricted Stock Right") to receive
7,302 shares (the "Shares") of the Company's Common Stock, par value $0.01 per
share.

       (b) All or a portion of the Restricted Stock Right shall vest and be
converted into Shares upon the earlier to occur (the date of such occurrence
being hereinafter referred to as the "Vesting Date") of (i) the date in 2004
that bonuses are paid pursuant to the Company's Annual Incentive Plan (the
"AIP"), (ii) March 31, 2004 or (iii) the date such vesting is mandated by
Section V(A)(3) of the Change in Control Agreement. The portion of the
Restricted Stock Right that shall vest and be converted into Shares on the
Vesting Date shall be equal to the average Achievement Percentage attained by
the Company with regard to its Corporate Revenue and Operating Income
Performance Factors under the AIP for the year

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ending December 31, 2003; provided, however, that in no event may the portion of
the Restricted Stock Right that so vests exceed 100%; and provided, further,
that 100% of the Restricted Stock Right shall be converted into Shares if the
vesting of such Right is pursuant to Section V(A)(3) of the Change in Control
Agreement. ANY PORTION OF THE RESTRICTED STOCK RIGHT WHICH DOES NOT VEST ON THE
VESTING DATE SHALL BE FORFEITED. FURTHER, ANY PORTION OF THE RESTRICTED STOCK
RIGHT WHICH SHALL NOT HAVE VESTED ON OR PRIOR TO THE DATE OF ANY TERMINATION OF
RECIPIENT'S EMPLOYMENT BY THE COMPANY AND ITS AFFILIATES, WHETHER SUCH
TERMINATION IS BY THE COMPANY OR THE RECIPIENT AND FOR ANY REASON OR NO REASON,
SHALL BE IMMEDIATELY FORFEITED AND RECIPIENT SHALL RETAIN NO RESIDUAL RIGHTS
THEREIN WHATSOEVER.

Section 2. Issuance of Stock Certificate.

A stock certificate representing any Shares into which all or a portion of the
Restricted Stock Right is converted upon the vesting thereof shall be issued to
Recipient as soon as administratively feasible following the Vesting Date.
Alternatively, the Shares received upon such vesting may be transferred by book
entry to an account designated by Recipient.

Section 3. Tax Withholding.

In order to provide the Company with the opportunity to claim the benefit of any
income tax deduction which may be available to it upon the conversion of all or
a portion of the Restricted Stock Right into Shares, and in order to comply with
all applicable income tax laws or regulations, the Company may take such action
as it deems appropriate to ensure that all applicable income, withholding,
social, payroll or other taxes, which are the sole and absolute responsibility
of the Recipient, are withheld or collected from the Recipient. Recipient may,
at the Recipient's election (the "Tax Election"), satisfy the applicable tax
withholding obligations by (a) electing to have the Company withhold a portion
of the Shares otherwise to be delivered upon conversion of the Restricted Stock
Right having a fair market value equal to the amount of such taxes, (b)
delivering to the Company shares of Common Stock previously owned by the
Recipient having a fair market value equal to the amount of such taxes or (c)
delivering to the Company cash or a check in the amount of such taxes. The Tax
Election must be made on or before the date that the amount of tax to be
withheld is determined and if no Tax Election is so made, the Recipient shall be
deemed to have elected to satisfy such withholding requirement pursuant to the
option outlined in clause (a) above.

Section 4. No Transfer.

The Recipient shall not, directly or indirectly, sell, pledge or otherwise
transfer or dispose of any portion of the Restricted Stock Right or the rights
and privileges pertaining thereto. Prior to the Vesting Date, neither the
Restricted Stock Right nor the Shares subject thereto shall be liable for or
subject to, in whole or in part, the debts, contracts, liabilities or torts of
the Recipient, nor will they be subject to garnishment, attachment, execution,
levy or other legal or equitable process.

Section 5. Certain Legal Restrictions.

The Company will not be obligated to sell or issue any Shares upon conversion of
all or any portion of the Restricted Stock Right or otherwise unless the
issuance and delivery of such

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Shares complies, in the judgment of the Company, with all relevant provisions of
applicable law and other legal requirements including, without limitation, any
applicable securities laws and the requirements of any market or stock exchange
upon which the shares of the Company (including the Shares) may then be listed.
As a condition to the conversion of the Restricted Stock Right, the Company may
require the Recipient to make such representations and warranties as may be
necessary to assure the availability of an exemption from the registration
requirements of any applicable securities laws. The Company shall have no
obligation to the Recipient, express or implied, to list, register or otherwise
qualify any Shares issued to the Recipient pursuant to the conversion of the
Restricted Stock Right. Shares issued upon the conversion of the Restricted
Stock Right may not be transferred except in accordance with applicable
securities laws. At the Company's election, any certificate evidencing the
Shares issued to the Recipient will bear appropriate legends restricting
transfer under applicable law.

Section 6. Disputes.

Any dispute arising out of or in connection with this Agreement shall be finally
settled under the commercial rules of the American Arbitration Association by
one or more arbitrators appointed in accordance with such rules. The place of
arbitration shall be Phoenix, Arizona, U.S.A., and the arbitration shall be
conducted in the English language.

Section 7. Governing Law.

This Agreement shall be governed by, and construed and interpreted in accordance
with, the law of the State of Delaware, U.S.A., which shall be the proper law of
this Agreement notwithstanding any rules of conflict of laws or private
international law therein contained under which any other law would be made
applicable.

Section 8. Miscellaneous.

The following general provisions shall apply to the Restricted Stock Right
granted pursuant to this Agreement:

      (a) Neither the Recipient nor any person claiming under or through the
Recipient will have any of the rights or privileges of a stockholder of the
Company in respect of any of the Shares issuable upon the conversion of the
Restricted Stock Right unless and until certificates representing such Shares
have been issued and delivered or, if Shares may be held in uncertificated form,
unless and until the appropriate entry evidencing such transfer is made in the
stockholder records of the Company; provided, however, that Recipient shall
receive, as additional compensation, payments equivalent to any dividend paid on
of the Company's Common Stock prior to the Vesting Date in an amount equal to
the dividend that would have been paid on Shares subject to the Restricted Stock
Right had they been outstanding on the record date for such dividend.

      (b) Subject to the limitations in this Agreement on the transferability by
the Recipient of the Restricted Stock Right and any Shares issued pursuant
thereto, this Agreement will be binding on and inure to the benefit of the
successors and assigns of the parties hereto.

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       (c) If any provision of this Agreement is held to be illegal, invalid or
unenforceable under any applicable law, then such provision will be deemed to be
modified to the minimum extent necessary to render it legal, valid and
enforceable, and if no such modification will render it legal, valid and
enforceable, then this Agreement will be construed as if not containing the
provision held to be invalid, and the rights and obligations of the parties will
be construed and enforced accordingly.

      (d) This Agreement and the Change in Control Agreement, together with the
Plan, embodies the complete agreement and understanding among the parties with
respect to the subject matter hereof and supersedes and preempts any prior
written, or prior or contemporaneous oral, understandings, agreements or
representations by or among any of the parties that may have related to the
subject matter hereof in any way. In the event of any inconsistency or conflict
between the provisions of this Agreement and the Plan, the provisions of the
Plan shall govern. In the event of any conflict or inconsistency between the
provisions of this Agreement and the Change in Control Agreement regarding the
acceleration of the vesting provisions hereof, the terms of the Change in
Control Agreement shall govern. Any question of administration or interpretation
arising under this Agreement shall be determined by the Committee, and such
determination shall be final, conclusive and binding upon all parties in
interest.

      (e) Nothing in this Agreement or the Plan shall be construed as giving the
Recipient the right to be retained as an officer, consultant, advisor or
employee of the Company or any of its Affiliates. In addition, the Company or an
Affiliate may at any time dismiss the Recipient without any liability or any
claim under this Agreement unless otherwise expressly provided in this
Agreement.

IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the
date first above written.

eFunds Corporation                              Recipient

By: /s/ Paul F. Walsh                           By: /s/ Colleen M. Adstedt
   ----------------------------                    -----------------------------
Title:                                                Colleen M. Adstedt

                                       4<PAGE>
                                                                    EXHIBIT 10.7

                                         RELEASE

      WHEREAS, Michael A. Spilsbury ("Executive") was an employee of eFunds
Corporation, a Delaware corporation (the "Company");

      WHEREAS, Executive's employment with the Company has been terminated
effective as of January 31, 2003 (the "Separation Date");

      WHEREAS, Executive and the Company have previously entered into that
certain Executive Transition Assistance Agreement, dated as of June 3, 2002 (the
"Transition Agreement"), pursuant to which the Company has agreed to make
certain payments to Executive following the termination of his or her
employment; and

      WHEREAS, it is a condition to the Company's obligation to make the
payments provided for in the Transition Agreement that Executive execute,
deliver and not rescind this Release.

      NOW, THEREFORE, IN CONSIDERATION OF THE FOREGOING, Executive and the
Company hereby agree as follows:

      1. Release.

            (a) As consideration for the promises of the Company contained in
the Transition Agreement, Executive, for himself and his successors and assigns,
hereby fully and completely releases and waives any and all claims, complaints,
rights, causes of action or demands of whatever kind, whether known or unknown
or suspected to exist by Executive (collectively, "Claims") which he has or may
have against the Company and any company controlling, controlled by or under
common control with the Company (collectively with the Company, the "Controlled
Group") and their respective predecessors, successors and assigns and all
officers, directors, shareholders, employees and agents of those persons and
companies ("the Released Parties") arising out of or related to any actions,
conduct, promises, statements, decisions or events occurring prior to or on the
Separation Date (the "Released Matters"), including, without limitation, any
Claims based on or arising out of Executive's employment with the Controlled
Group and the cessation of that employment; provided, however, that such release
shall not operate to relieve the members of the Controlled Group of any
obligation to indemnify Executive against any Claims brought against Executive
by any third party by reason of Executive's status as an officer or employee of
the Controlled Group. As an essential inducement to Executive to enter into this
Agreement, and as consideration for the promises of Executive contained herein,
the Company, for itself and its successors, assigns and affiliates hereby fully
and completely releases and waives any and all Claims which it or they have or
may have against Executive arising out of or related to the Released Matters.
Executive and the Company each further agree that they will not, and will cause
their affiliates not to, institute any legal proceedings against the persons
released by them in respect of any Claim nor will they authorize any other
party, whether governmental or otherwise, to seek individual remedies on their
behalf with respect to any Claim. Executive and the Company agree that, by
signing this Release, neither party is waiving any Claim arising after the
Separation Date or under the Transition Agreement.

            (b) Executive's release of Claims is intended to extend to and
include Claims of any kind arising Title VII of the Civil Rights Act of 1964, as
amended, 42 U.S.C. Section 2000e et seq., the Age Discrimination in Employment
Act, 29 U.S.C. Section 621 et seq., the Americans with Disabilities Act, 42
U.S.C. Section 12101 et seq., the Delaware Discrimination in Employment Act,
Del. Code Ann. Tit. 19, Section 710-718, the Delaware Handicapped Persons
Employment Protections Act, Del. Code Ann. Tit. 19, Section 720-728 and any
other federal, state or local statute, Executive Order or ordinance prohibiting
employment discrimination or otherwise relating to employment, as well as any
claim for breach of contract, wrongful discharge, breach of any express or
implied promise, misrepresentation, fraud, retaliation, violation of
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public policy, infliction of emotional distress, defamation, promissory
estoppel, equitable estoppel, invasion of privacy or any other theory, whether
legal or equitable.

            (c) Executive has been informed of Executive's right to revoke this
Release insofar as it extends to potential claims under the Age Discrimination
in Employment Act by informing the Company of Executive's intent to revoke this
Agreement within seven (7) calendar days following the execution of this Release
by Executive. Executive has further been informed and understands that any such
rescission must be in writing and hand-delivered to the Company or, if sent by
mail, postmarked within the applicable time period, sent by certified mail,
return receipt requested, and addressed as follows:

                        eFunds Corporation
                        Gainey Ranch Center II
                        8501 N. Scottsdale Road
                        Suite 300
                        Scottsdale, AZ  85253
                        Attention:  General Counsel

The Company and Executive agree that if Executive exercises Executive's right of
rescission, under this Section (c), the Company's obligations under Section 1 of
the Transition Agreement shall be null and void.

      2. Miscellaneous.

            (a) Executive may not assign or delegate any of Executive's rights
or obligations in respect of this agreement and any attempted assignment or
delegation shall be void and of no effect. This agreement is binding upon and
enforceable by the Company and the other members of the Controlled Group and
their respective successors and assigns and inures to the benefit of Executive
and Executive's, heirs and executors. This agreement is governed by the
substantive laws of the State of Delaware, without regard to its conflicts of
law rules.

            (b) The failure of a party to insist upon strict compliance with any
of the terms, conditions or covenants expressed in this Agreement shall not be
deemed a waiver of such term, condition or covenant, or any other term,
condition or covenant, nor shall any waiver or relinquishment of any right or
power under this Agreement on one or more times be deemed a waiver or
relinquishment of such right or power or any other right or power at any other
time or times.

            (c) Whenever possible, each provision of this Agreement will be
interpreted in such manner as to be effective and valid under applicable law,
but if any provision of this Agreement is held to be prohibited by or invalid
under applicable law, such provision will be ineffective only to the extent of
such prohibition or invalidity, without invalidating the remainder of such
provision or the remaining provisions of this Agreement.

            (d) This Agreement may be executed in one or more counterparts, any
one of which need not contain the signatures of more than one party, but all
such counterparts taken together will constitute one and the same instrument.

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      IN WITNESS WHEREOF, the Company and Executive have hereunto set their
hands to this Release as of the dates set forth below.

                                          eFUNDS CORPORATION

      Dated:                              By:  /s/ Colleen M. Adstedt
                                             -------------------------------
                                          Its:  SVP, HR and Admin.

      Dated: 7th February 2003                        /s/ Michael A. Spilsbury
                                                      ------------------------
                                                      Michael A. Spilsbury

      STATE OF California)

      County of Marin   )

      Subscribed and sworn before me
      this 7th day of Feb, 03

      /s/ Dennis E. Roberts                           seal
      ------------------------------------
      Notary Public, State of California
      My Commission expires: Nov. 19, 2005

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