Document:

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                                                                   EXHIBIT 10.17

Rev. 5/5/00

                  GOVERNMENT SERVICES INDEMNIFICATION AGREEMENT

     This GOVERNMENT SERVICES INDEMNIFICATION AGREEMENT (this "Agreement") is
dated as of _______________, 2000 and is made by and between Deluxe Corporation,
a Minnesota corporation ("Deluxe"), and eFunds Corporation, a Delaware
corporation and wholly owned subsidiary of Deluxe ("eFunds").

                                    RECITALS

     WHEREAS, Deluxe currently owns all of the issued and outstanding capital
stock of eFunds;

     WHEREAS, among other things, eFunds provides online electronic benefits
transfer services on behalf of governmental agencies responsible for the
administration and management of selected entitlement programs, primarily the
Food Stamps and Transitional Aid to Needy Families program (the "Government
Services Business");

     WHEREAS, Deluxe and eFunds currently contemplate that eFunds will make an
initial public offering ("IPO") of an amount of its common stock, that, together
with all derivative shares, will reduce Deluxe's ownership of eFunds to not less
than 80.1%;

     WHEREAS, Deluxe currently contemplates that, several months following the
IPO, Deluxe will distribute to the holders of its common stock (by means of an
exchange offer and/or a pro rata distribution) all of the shares of eFunds
capital stock then owned by Deluxe (the "Distribution");

     WHEREAS, as an integral step in the IPO and Distribution, without which the
IPO and Distribution would not occur in the form contemplated, the parties
desire to enter into this Agreement to set forth their agreement regarding the
obligation of Deluxe to indemnify eFunds and the obligation of eFunds to
indemnify Deluxe with respect to certain costs, liabilities and expenses
incurred in connection with the Government Services Businesses.

     NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, Deluxe and eFunds, for themselves,
their successors, and assigns, hereby agree as follows:

     1. Loss Contract Reserve. eFunds and Deluxe agree that, as of April 30,
2000, there was a reserve (the "Loss Contract Reserve") in the amount of $29.2
million recorded in the regularly maintained books and records of eFunds (the
"eFunds Books") in connection with the agreements set forth on Exhibit A hereto
(such agreements, excluding all extensions or renewals thereof that are subject
to the approval or agreement, directly or indirectly of eFunds, collectively,
the "Loss Contracts").
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     2. Indemnification by Deluxe. Deluxe agrees to indemnify in full eFunds,
its officers, directors, employees, agents, representatives and officers
(collectively, the "eFunds Indemnitees") and hold them harmless from and against
any and all losses, liabilities, deficiencies, damages, expenses or costs
(including reasonable legal and other external advisors' fees and expenses)
(each, an "eFunds Indemnifiable Loss") which any eFunds Indemnitee may suffer,
sustain or become subject to as a result of (a) any increase in the amount of
the Loss Contract Reserve that is attributable to the Loss Contracts, as
determined in accordance with Section 4 hereof, and (b) claims or demands of
anyone not a party to this Agreement arising out of or related to the operation
of the Government Services Business prior to the date the registration statement
filed in connection with the IPO is declared effective by the Securities and
Exchange Commission (the "IPO Date"); provided, however, that Deluxe's aggregate
liability for all eFunds Indemnifiable Losses shall not exceed $14.6 million.

     3. Indemnification by eFunds. eFunds agrees to indemnify in full Deluxe,
its officers, directors, employees, agents, representatives and officers
(collectively, the "Deluxe Indemnitees") and hold them harmless from and against
any and all losses, liabilities, deficiencies, damages, expenses or costs
(including reasonable legal and other external advisors fees and expenses)
(each, "Deluxe Indemnifiable Loss," and together with an eFunds Indemnifiable
Loss, the "Indemnifiable Losses") which any Deluxe Indemnitee may suffer,
sustain or become subject to as a result of claims or demands of anyone not a
party to this Agreement arising out of or related to the operation of the
Government Services Business from and after the IPO Date; provided, however,
that a Deluxe Indemnifiable Loss shall not be deemed to include any eFunds
Indemnifiable Loss for which a Deluxe Indemnitee is required to provide
indemnification pursuant to the provisions Section 2 hereof (any claim or demand
of anyone not a party to this Agreement described in Section 2 or Section 3, a
"Third Party Claim").

     4. Calculation of Loss Contract Amounts.

          (a) eFunds shall determine whether any increase or decrease in the
     amount of the Loss Contract Reserve is required to be recorded in the
     eFunds Books on a quarterly basis in a manner consistent with the
     determination of the amount of the Loss Contract Reserve as of the date of
     this Agreement, which principles are set forth on Exhibit B hereto (each
     such increase or decrease to the Loss Contract Reserve, excluding decreases
     to the Loss Contract Reserve in the ordinary course and the amount of any
     eFunds Indemnifiable Loss that is due and payable by Deluxe pursuant to
     clause (b) of Section 2 or paid or provided by Deluxe, being referred to
     hereinafter as an "Adjustment"). The parties acknowledge that Exhibit B
     represents only a general statement of the principles for establishing the
     Loss Contract Reserve and any Adjustments thereto. Unless a different
     methodology is agreed upon by the parties in accordance with Section 4(d),
     notwithstanding Exhibit B and any change to generally accepted accounting
     principles, for the purposes of this Agreement (and Deluxe's
     indemnification obligations hereunder), eFunds agrees that in determining
     the amount of any Adjustment, it will consistently apply the accounting
     principles and methodology (including, without limitation, the
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     methods followed in establishing allocations of indirect costs and
     expenses) that were the basis on which the Loss Contract Reserve was
     established as of the date of this Agreement. Unless a different
     methodology is agreed upon by the parties in accordance with Section 4(d),
     in the event of any disagreement, the parties agree that reference to the
     work papers on which the Loss Contract Reserve was calculated as of the
     date of this Agreement shall govern the principles and methodology by which
     any Adjustment is made to the Loss Contract Reserve.

          (b) In the event that eFunds determines, with respect to any fiscal
     quarter, that it is required to record an Adjustment in the amount of the
     Loss Contract Reserve in accordance with the provisions of Section 4(a), it
     will promptly notify Deluxe, specifying the amount and computation thereof
     and the reasons for which the Adjustment is necessary and representing that
     the Adjustment has been calculated in accordance with Section 4(a). Subject
     to the principles set out below, all Adjustments shall be netted (the
     amount thereof at any time being referred to as the "Net Adjustment"). At
     the time that the Net Adjustment first results in positive number, eFunds
     shall record an account receivable from Deluxe in an amount equal to the
     Net Adjustment on the eFunds Books (such account receivable, the "eFunds
     Receivable"), and Deluxe shall record an account payable in an amount equal
     to the amount of the Net Adjustment in Deluxe's regularly maintained books
     and records (the "Deluxe Books") in favor of eFunds (such account payable,
     the "Deluxe Payable"). Any subsequent quarterly Adjustment shall result in
     an increase or decrease, as applicable of an equivalent amount being
     recorded as an increase or decrease of the eFunds Receivable on the eFunds
     Books and the Deluxe Payable on the Deluxe Books; provided, that, in no
     event shall the cumulative amount of the Adjustments result in the amount
     of the eFunds Receivable on the eFunds Books or the Deluxe Payable on the
     Deluxe Books being less than zero. In the event that the Net Adjustment
     becomes a negative number, no further amounts will be recorded in the
     eFunds Receivable account or Deluxe Payable account unless and until the
     Net Adjustment later becomes a positive number, in which event the
     accounting entries described above will be recorded.

          (c) Deluxe shall not be required to make a cash payment to eFunds on
     account of the Deluxe Payable or eFunds Receivable until the termination of
     all of the Loss Contracts (the "Loss Contract Termination Date") and eFunds
     has delivered to Deluxe a statement (the "Loss Contract Reserve Statement")
     prepared in accordance with this Section 4(c) which shall set forth the
     amount of the amount payable owed to eFunds by Deluxe under Section 4(b)
     hereof. Within 90 days after the Loss Contract Termination Date, eFunds
     shall prepare and deliver to Deluxe the Loss Contract Reserve Statement
     which shall be prepared in accordance with the methods and procedures
     specified in Section 4(a) hereof. The Loss Contract Reserve Statement shall
     be subject to review and verification by Deluxe, and at its option and
     expense, by an independent public accounting firm of its choice. eFunds
     shall permit Deluxe to have reasonable access to the data and information
     on which the Loss Contract Reserve Statement was prepared and the eFunds
     employees or representatives who assisted in its preparation. Deluxe shall
     be deemed to have accepted the Loss Contract Reserve Statement unless,
     within 90 days
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     after the date of delivery thereof, Deluxe gives written notice to eFunds
     of Deluxe's objection to any item thereon. If Deluxe gives such notice of
     objection, Deluxe and eFunds shall attempt to resolve the dispute in
     accordance with the provisions of Section 5 hereof.

          (d) The parties acknowledge that the actual amount of the reserve for
     Loss Contracts in eFunds' reported financial statements may differ from the
     amount of the Loss Contract Reserve as determined under this Agreement as a
     result of changes in generally accepted accounting principles or eFunds'
     accounting policies or practices. If eFunds' determines that a different
     methodology is desirable or appropriate in determining the amount of its
     reported reserves for Loss Contracts and that such methodology should be
     applied to the determination of the Loss Contract Reserve herein, eFunds
     may propose such methodology to Deluxe for consideration and, with Deluxe's
     consent, apply such methodology to the determination of the Loss Contract
     Reserve herein. Deluxe may give or withhold such consent in the exercise of
     its sole discretion. If a modification in such methodology is agreed upon
     by the parties and would result in an increase or decrease in the amount of
     the Loss Contract Reserve, such increase or decrease shall not at the time
     of the change in methodology result in an Adjustment, provided that
     subsequent changes in the Loss Contract Reserve in accordance with Section
     4(a) (as modified by the application of the new methodology in accordance
     with this Section 4(d) shall result in Adjustments in accordance with
     Section 4.

          (e) If there occurs an eFunds Indemnifiable Loss under clause (b) of
     Section 2, any amount that is due and payable by Deluxe on account of such
     eFunds Indemnifiable Loss shall be added to the Net Adjustment and any
     amount with respect such eFunds Indemnifiable Loss that is paid or
     otherwise provided for by Deluxe shall be subtracted from the Net
     Adjustment. Such additions and subtractions shall be cumulated with other
     Adjustments in computing the amount of the Net Adjustment outstanding at
     any time and the bookkeeping entries for the eFunds Receivable and Deluxe
     Payable shall be made in the same fashion as entries for other Adjustments
     as provided in Section 4(b).

     5. Indemnification Procedures. As used herein, an "Indemnitee" shall refer
to a Deluxe Indemnitee or an eFunds Indemnitee, as applicable, and the
"Indemnifying Party" shall refer to the party hereto obligated to indemnify such
Indemnitee.

          (a) If a Third Party Claim is made against an Indemnitee as to which
     such Indemnitee is entitled to indemnification pursuant to Section 2 or 3
     hereof (as the case may be), such Indemnitee shall give the Indemnifying
     Party notice of such Third Party Claim, as promptly as practicable, but in
     any event no later than 15 days after the receipt by the Indemnitee of such
     notice; provided, however, that the failure to provide such notice shall
     not release the Indemnifying Party from any of its obligations under this
     Agreement except to the extent the Indemnifying Party is materially
     prejudiced by such failure, and shall not relieve the Indemnifying Party
     from any other obligation or liability that it may have to any Indemnitee
     otherwise than under this Agreement. If the Indemnifying Party
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     acknowledges in writing its obligations to indemnify the Indemnitee
     hereunder against any Indemnifiable Losses that may result from such Third
     Party Claim, then the Indemnifying Party shall be entitled to assume and
     control the defense of such Third Party Claim at its expense and through
     counsel of its choice, subject to the approval of the Indemnitee (which
     approval shall not be unreasonably withheld or delayed), if it gives notice
     of its intention to do so to the Indemnitee within 15 business days of the
     receipt of such notice from the Indemnitee; provided, however, that if
     there exists or is reasonably likely to exist a conflict of interest that
     would make it inappropriate in the reasonable judgment of the Indemnitee
     for the same counsel to represent both the Indemnitee and the Indemnifying
     Party, then the Indemnitee shall be entitled to retain its own counsel, in
     each jurisdiction for which the Indemnitee determines counsel is required
     to participate in such defense, at the expense of the Indemnifying Party.
     In the event the Indemnifying Party exercises the right to undertake any
     such defense against any such Third Party Claim as provided above, the
     Indemnitee shall cooperate with the Indemnifying Party in such defense and
     make available to the Indemnifying Party, at the Indemnifying Party's
     expense, all witnesses, pertinent records, materials and information in the
     Indemnitee's possession or under the Indemnitee`s control relating thereto
     as is reasonably required by the Indemnifying Party, subject to
     reimbursement of reasonable out-of-pocket expenses. Similarly, in the event
     the Indemnitee is, directly or indirectly, conducting the defense against
     any such Third Party Claim, the Indemnifying Party shall cooperate with the
     Indemnitee in such defense and make available to the Indemnitee all such
     witnesses, records, materials and information in the Indemnifying Party's
     possession or under the Indemnifying Party's control relating thereto as is
     reasonably required by the Indemnitee, subject to reimbursement of
     reasonable out-of-pocket expenses. No such Third Party Claim may be settled
     by the Indemnifying Party without the prior written consent of the
     Indemnitee (which shall not be unreasonably withheld or delayed) unless
     such settlement is without any admission of fault or liability and is
     solely for money and includes an unconditional release of each Indemnitee
     from any and all Indemnifiable Losses arising out of such action, claim,
     suit or proceeding and would not otherwise adversely affect the Indemnitee.
     No such Third Party Claim may be settled by the Indemnitee without the
     prior written consent of the Indemnifying Party, which consent shall not be
     unreasonably withheld or delayed.

          (c) All Persons who by their relationship to a party to this Agreement
     (including, without limitation, all Affiliates of such party and all
     officers, directors, employees and agents of such party and its Affiliates)
     are, or may become, entitled to indemnification hereunder shall, as a
     condition of their rights to indemnification hereunder, be deemed to have
     granted such party an irrevocable power of attorney, coupled with an
     interest, with respect to all matters for which any determination may be
     made, action may be taken or consent may be given or withheld under this
     Section 4, including, without limitation, any determination regarding
     selection of counsel and any consent regarding
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     settlement, and any such determination, action or consent made, taken,
     given or withheld by such party shall be binding up such Person as if made,
     taken, given or withheld by such Person personally.

          (d) Notwithstanding the foregoing, the Indemnifying Party shall not be
     entitled to assume the defense of any Third Party Claim, but shall continue
     to be liable for the fees and expenses of counsel incurred by the
     Indemnitee in defending such Third Party Claim if the Third Party Claim
     seeks an order, injunction or other equitable relief or relief for other
     than money damages against the Indemnitee which the Indemnitee reasonably
     determines, after conferring with its counsel, cannot be separated from any
     related claim for money damages. If such equitable relief or other relief
     portion of the Third Party Claim can be so separated from that for money
     damages, the Indemnifying Party shall be entitled to assume the defense of
     the portion relating to money damages.

     6. Disputes. If any dispute arises in connection with this Agreement,
either party by delivery of a notice concerning such dispute, may submit the
dispute for resolution to the Chief Financial Officer of eFunds and the Chief
Financial Officer of Deluxe who will proceed in good faith to negotiate a
resolution of such dispute, and if not resolved through the negotiations of such
individuals within 20 days after the delivery of the notice of such dispute,
such dispute shall be resolved fully and finally in Minneapolis, Minnesota, by
an arbitrator selected pursuant to and an arbitration governed by Commercial
Arbitration Rules of the American Arbitration Association, as modified herein.
The parties will jointly appoint a mutually acceptable independent arbitrator,
seeking assistance in such regard from the American Arbitration Association. The
arbitrator shall resolve the dispute within 30 days after selection and judgment
upon the award rendered by such arbitrator may be entered in any court of
competent jurisdiction. Each of Deluxe, on the one hand, and eFunds, on the
other, shall bear its own fees and expenses in connection with such arbitration
and shall bear 50% of the fees and expenses of the arbitrator.

     7. Term and Continuing Indemnity. The term of this Agreement shall commence
upon the IPO Date and shall continue until one year after the Loss Contract
Termination Date or until the all disputes between the parties under Section 6
have been finally settled or adjudicated. Notwithstanding the foregoing, this is
a continuing indemnity and shall not be revoked or terminated by eFunds or
Deluxe until all obligations under or with respect to the Loss Contracts have
been paid or performed in full, with no further recourse whether at law or in
equity, against Deluxe or eFunds, as applicable being available to any third
party with respect to such obligations. The indemnity set forth herein shall be
reinstated if and to the extent that, for any reason, any payments under this
Agreement are rescinded or must be otherwise restored, whether as a result of
any proceedings in bankruptcy or reorganization or otherwise.
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     8. Representations and Warranties of eFunds. eFunds hereby represents and
warrants to Deluxe as follows:

          (a) eFunds has all requisite power and authority to enter into this
     Agreement and to perform its obligations contemplated hereby. The
     execution, delivery and performance of this Agreement by eFunds and the
     performance of the obligations contemplated hereby have been duly and
     validly authorized by all requisite corporate action and no other corporate
     proceedings on eFunds's part are necessary to authorize the execution,
     delivery or performance of this Agreement. This Agreement has been duly
     executed and delivered by eFunds and, assuming due authorization, execution
     and delivery by Deluxe, constitutes the valid and binding obligation of
     eFunds enforceable in accordance with its terms.

          (b) The execution, delivery and performance of this Agreement by
     eFunds does not and the performance of the obligations contemplated hereby
     will not: (a) contravene any provision of the Certificate of Incorporation
     or Bylaws of eFunds; (b) violate or conflict in any material respect with
     any foreign, federal, state or local law, statute, ordinance, rule,
     regulation or any decree, writ, injunction, judgment or order of any court
     or administrative or other governmental body or of any arbitration award
     which is either applicable to, binding upon or enforceable against eFunds
     or the business or any assets of eFunds; (c) conflict with, result in any
     breach of any of the provisions of, or constitute a default (or any event
     which would, with the passage of time or the giving of notice or both,
     constitute a default) under, result in a violation of, result in the
     creation of a right of termination, amendment, modification, abandonment or
     acceleration under any indenture, mortgage, lease, license, loan agreement
     or other material agreement or instrument which is either binding upon or
     enforceable against eFunds; (d) result in the creation of any material
     lien, security interest, charge or encumbrance upon eFunds or any of the
     assets of eFunds; or (e) require any authorization, consent, approval,
     exemption or other action by or notice to any court, commission,
     governmental body regulatory authority, agency or tribunal wherever located
     or any other third party.

     9. Representations and Warranties of Deluxe. Deluxe hereby represents and
warrants to eFunds as follows:

          (a) Deluxe has all requisite power and authority to enter into this
     Agreement and to perform its obligations contemplated hereby. The
     execution, delivery and performance of this Agreement by Deluxe and the
     performance of the obligations contemplated hereby have been duly and
     validly authorized by all requisite corporate action and no other corporate
     proceedings on Deluxe's part are necessary to authorize the execution,
     delivery or performance of this Agreement. This Agreement has been duly
     executed and delivered by Deluxe and, assuming due authorization, execution
     and delivery by eFunds, constitutes the valid and binding obligation of
     Deluxe enforceable in accordance with its terms.
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          (b) The execution, delivery and performance of this Agreement by
     Deluxe does not and the performance of the obligations contemplated hereby
     will not: (a) contravene any provision of the Articles of Incorporation or
     Bylaws of Deluxe; (b) violate or conflict in any material respect with any
     foreign, federal, state or local law, statute, ordinance, rule, regulation
     or any decree, writ, injunction, judgment or order of any court or
     administrative or other governmental body or of any arbitration award which
     is either applicable to, binding upon or enforceable against Deluxe or the
     business or any assets of Deluxe; (c) conflict with, result in any breach
     of any of the provisions of, or constitute a default (or any event which
     would, with the passage of time or the giving of notice or both, constitute
     a default) under, result in a violation of, result in the creation of a
     right of termination, amendment, modification, abandonment or acceleration
     under any indenture, mortgage, lease, license, loan agreement or other
     material agreement or instrument which is either binding upon or
     enforceable against Deluxe; (d) result in the creation of any material
     lien, security interest, charge or encumbrance upon Deluxe or any of the
     assets of Deluxe; or (e) require any authorization, consent, approval,
     exemption or other action by or notice to any court, commission,
     governmental body regulatory authority, agency or tribunal wherever located
     or any other third party.

     10. Covenants of eFunds. eFunds covenants and agrees as follows:

          (a) Without obtaining Deluxe's prior written consent, eFunds shall not
     agree to any extension, modification or amendment to any Loss Contract and
     shall not waive or relinquish any right or privilege with respect to any
     Loss Contract the effect of which would reasonably foreseeably result in
     any cost or charge to Deluxe under the provisions of Section 2 of this
     Agreement. Notwithstanding the preceding sentence, if eFunds agrees to any
     such extension, modification, or amendment or waives or relinquishes any
     such right or privilege without first obtaining Deluxe's written consent,
     eFunds shall not thereby be deemed in breach of this Agreement, provided
     that the Loss Contract Reserve and any Adjustments shall thereafter be
     computed as if such extension, modification or amendment had not been
     agreed upon by eFunds or such waiver or relinquishment had not occurred.

          (b) eFunds shall use reasonable, good faith efforts to promptly bring
     the prospect or possibility of an Adjustment to the attention of Deluxe,
     and shall provide Deluxe such information concerning the amount, timing and
     basis for the Adjustment that would reasonably be necessary to understand
     and evaluate the Adjustment and continue to provide Deluxe with such
     information as it is developed. Further, eFunds shall use reasonable good
     faith efforts to promptly bring to the attention of Deluxe any information
     that has come to the attention of eFunds that would reasonably be expected
     to result in a Third Party Claim for which indemnification may be sought by
     an eFunds Indemnitee under this
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     Agreement. At Deluxe's request, Deluxe representatives shall have access at
     reasonable times to the data underlying such Adjustment and information
     relating to such Third Party Claim, as the case may be, and to the
     employees of the Government Services Business and others within eFunds who
     have information that is relevant to the Adjustment or Third Party Claim.

          (c) Semi-annually eFunds will meet with representatives of Deluxe at a
     mutually agreed upon location to provide, using reasonble good faith
     efforts, Deluxe with updated projected financial information concerning the
     Government Services Business, with particular attention being paid to Loss
     Contracts and the adequacy of eFunds' Loss Contract Reserve and any factors
     that could result in an Adjustment. In addition, using reasonable good
     faith effort, eFunds will provide the Deluxe representatives at that
     meeting information that has come to the attention of eFunds that would
     reasonably be expected to result in a Third Party Claim for which
     indemnification may be sought by an eFunds Indemnitee under this Agreement.

          (d) eFunds shall use commercially reasonable efforts to manage the
     Government Sevices Business so as to minimize the amount of Deluxe's
     indemnification obligations under this Agreement.

     11. Audits. Deluxe shall have the right, at its sole cost and expense, to
audit eFunds's Books and other records relating to the Government Services
Business at all reasonable times and upon reasonable notice during the term of
this Agreement and for a period of twenty-four (24) months following the
termination of this Agreement.

     12. Assignment. Neither party may assign its rights or obligations under
this Agreement, in whole or in part, without the consent of the other party,
which consent may be given or withheld in each party's sole discretion.

     13. Entire Agreement. This Agreement contains the entire agreement of the
parties concerning the indemnification obligations of Deluxe and eFunds with
respect to the Government Services Business and may not be amended or modified
except by a writing signed by eFunds and Deluxe.

     14. Choice of Law. This Agreement shall be governed by the internal laws
(as opposed to conflicts of law provisions) and decisions of the State of
Minnesota. If any provision of this indemnity shall be prohibited by or invalid
under that law, such provision shall 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. EFUNDS AND DELUXE EACH WAIVES ANY
RIGHT TO TRIAL BY JURY. Each of eFunds and Deluxe consents to the jurisdiction
of any local, state or Federal court located within the State of Minnesota, and
waives any objection relating to improper venue of forum non conveniens to the
conduct of any proceeding in any such court.
<PAGE>

     15. Notices. All notices, consents, requests, approvals, and other
communications provided for or required herein, and all legal process in regard
thereto, must be in writing and shall be deemed validly given, made or served,
(a) when delivered personally or sent by telecopy to the facsimile number
indicated below with a required confirmation copy sent in accordance with
subsection (c) below; or (b) on the next business day after delivery to a
nationally recognized express delivery service with instructions and payment for
overnight delivery; or (c) on the fifth (5th) day after deposited in any
depository regularly maintained by the United States postal service, postage
prepaid, certified or registered mail, return receipt requested, addressed to
the following addresses or to such other address as the party to be notified
shall have specified to the other party in accordance with this section:

     If to Deluxe:

                  Deluxe Corporation
                  3680 Victoria Street North
                  Shoreview, Minnesota 55126
                  Attn:    Chief Financial Officer
                  Facsimile:  651-481-4477
                  Copy to:  General Counsel
                  Facsimile:  (651) 787-2749

     If to eFunds:

                  eFunds Corporation
                  400 West Deluxe Parkway
                  P.O. Box 12536
                  Milwaukee, Wisconsin 53212
                  Attn:    Chief Financial Officer
                  Facsimile:  (651) 483-7337
                  Copy to:  General Counsel
                  Facsimile:  (651) 787-2749

     16. Definitions. Capitalized terms not otherwise defined herein have the
meaning given to them in the IPO and Distribution Agreement dated March 31, 2000
between Deluxe and eFunds.

     IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
duly executed and delivered as of the date and year first written above.

                                       DELUXE CORPORATION

                                       By:
                                           -------------------------------------
                                           Name:
<PAGE>

                                           Title:

                                       EFUNDS CORPORATION

                                       By:
                                           -------------------------------------
                                             Name:
                                             Title:
<PAGE>

                                    Exhibit A
                                 Loss Contracts
<PAGE>

                                  Exhibit B to
                  Government Services Indemnification Agreement
                                     Between
                    Efunds Corporation and Deluxe Corporation

                         Contract Accounting Principles

Statement of General Principles:
-------------------------------

Long-term service contracts are definitive agreements to provide services over a
period of time in excess of one year and with respect to which efunds has no
contractual right to adjust the prices or terms at or on which its services are
supplied during the term of the contract. Revenues are recognized for all
long-term service contracts when the service is performed. Total revenues for
some long-term service contracts may vary based on the demand for services.
Expenses are recognized when incurred, with the exception of installation costs.
Any installation costs are capitalized and recognized ratably over the life of
the contract, which approximates the anticipated revenue recognition. Any
equipment and software purchased to support a long-term service contract is
capitalized and depreciated or amortized over the life of the related contract
or the life of the asset, whichever is shorter.

In determining the profitability of a long-term service contract, only direct
and allocable indirect costs associated with the contract are included in the
calculation. The appropriateness of allocations of indirect costs depends on the
circumstances and involves the judgment of management, but such costs may
include the costs of indirect labor, contract supervision, tools and equipment,
supplies, quality control and inspection, insurance, repairs and maintenance,
depreciation and amortization and, in some circumstances, support costs. The
method of allocating any indirect costs included in the analysis is also
dependent upon the circumstances and the judgment of management, but the
allocation method must be systematic and rational. General and administrative
costs and selling costs are not included in the analysis.

Provisions for estimated losses on long-term service contracts, if any, are made
in the period in which the loss first becomes probable and reasonably estimable.
Projected losses are based on management's best estimates of a contract's
revenue and costs. Actual losses on individual long-term service contracts are
compared to the loss projections at least quarterly, with any changes in the
estimated total contract loss recognized as they become probable and reasonably
estimable.

In the event an asset impairment loss is recognized on long-lived assets used to
support a long-term service contract, the original estimation of the contract's
costs is revised to reduce the depreciation and amortization associated with the
impaired assets accordingly.

Certain direct costs associated with the electronic benefits transfer contracts
are common to a number of contracts and are attributed to each contract based on
its use of the services associated with these common direct costs. Revenues,
case counts or other applicable statistics are used to attribute these costs to
individual contracts. Costs should be assigned to contracts in the same activity
based costing model as defined in the December 31, 1999 Government Services Life
Cycle Profitability Projections Q1 2000 to Q1 2006 analysis as performed by the
Government Services finance staff and assisted by Arthur Andersen Consulting
(the "1999 analysis"). EFunds Corporate also allocates their costs to Government
Services. The types of costs or manner in which these costs are allocated to
Government Services should not change from the 1999 analysis. The methodology
based on the 1999 analysis should be used unless written agreement of the change
is obtained from Deluxe in accordance with Section 4(d) of the body of the
agreement.

1999 Analysis Principles

As stated in the 1999 analysis, costs are assigned to contracts in the following
manner:

"State Specific Costs" are costs that are directly attributable to a specific
state. State specific costs are:
<PAGE>

Telecommunication
Interchange
Equipment Maintenance
Switching Expense
Supplies
Card Expense
Equipment
Salaries and Benefits
Certain other costs

"Government Services Direct Costs and Other Direct Costs" are allocated based on
drivers as follows: In addition, the second of projected EBT Help Desk Cost
Reduction and projected Voice Telecom Cost Reduction should not significantly
change from those levels projected in the 1999analysis.

Government Services Direct Costs and their allocation methods are:

Green Bay                                   Green Bay calls
Merchant Services                           Merchant equipment count
New Berlin Merchant                         Number of merchant calls
EBT Admin                                   Weighted service requirement (1-2-3)
Operations Services                         Weighted service requirement (1-2-3)
Automatic Response Unit                     Number of VRU calls
EBT Finance Admin                           Even to all
State Services                              Weighted service requirement (1-2-3)
Corporate Charges                           Even to all
Bus Contingency EBT                         Weighted service requirement (1-2-3)
EBT Customer Relations                      Even to all
Product Support                             Weighted service requirement (0-1-5)
Sales                                       Even to all
Business Contingency G&A                    Weighted service requirement (1-2-3)
Disaster Recovery                           Weighted service requirement (1-2-3)
EMEVS                                       Percentages
Product Management                          Weighted service requirement (1-2-3)

Other Direct Costs and their allocation methods are:

Telecom WAN Network                         Number of endpoints
Telecom Network                             Number of conversions
Glendale Building Services                  Service requirement (1-7-12)
Finance                                     Weighted service requirements
Glendale Office Services                    Weighted service requirements
DC Common Facility                          Weighted service requirements
Info Systems Lan Admin                      Weighted service requirements
Info Systems Lan Equip                      Weighted service requirements
On-line Database                            Weighted service requirements
Off-line Support                            Weighted service requirements
Info Sys Equipment                          Service requirement (1-2-2)
Info Systems - Del/Serv/Admin               Weighted service requirements
Change Management                           Service requirement (1-4-4)
Tandem Ops Support                          Service requirement (1-2-2)
Tandem HW/SW                                Service requirement (1-2-7)
Automation                                  Number of settlement transactions
Human Resources                             Service requirement (1-2-2)
Telecom Voice                               Weighted service requirements
User Communication                          Weighted service requirements
<PAGE>

PD - Advantage Application                  Number of settlement transactions
Product Development - Settlement            Number of settlement transactions
PD - Advantage Settlement                   Number of settlement transactions
PD - Advantage Foundation                   Number of settlement transactions
Quality Assurance - IBMITG                  Weighted service requirements
Standard Government legal costs             Weighted service requirements
Standard Government service costs           Number of endpoints
Non-Maryland costs                          Service requirement (1-2-2)
Non-leasing Procurement Cost                Weighted service requirements
Leasing Procurement Cost                    Even to all states
FMAC SAS 70                                 Even to all states
FMAC Daily Reconciliation                   Number of reconciliations
FMAC Statement Reconciliation               Number of accounts
Employee Compensation                       Percentages
Government Non-compensation Expense         Weighted service requirements
Warm Site Disaster Recovery                 Weighted service requirements
Disaster Recovery Certification & Testing   Number of settlement transactions
Certification of Tandems                    Weighted service requirements
DC Administration Total Costs               Percentages
IBM Processing                              Number of settlement transactions
EMEVS Hardware and Software                 Direct to EMEVS
Batch Monitoring                            Number of settlement transactions
Monitoring, Change and Escalation Repo      Service requirement (1-2-6)
Security                                    Even to all states
IBM Processing                              Number of settlement transactions
EMEVS System Cost                           Direct to EMEVS
Tech Services - Tandem                      Weighted service requirements
Education                                   Weighted service requirements
Change Control                              Number of settlement transactions
IBM EMEVS                                   Direct to EMEVS
Product Develop Spread WSR                  Weighted service requirements
Product Develop Spread Evenly               Even to all states
Certification on Tandem                     Weighted service requirements
Product Testing                             Weighted service requirements<PAGE>

                                                                   EXHIBIT 10.18

                               eFunds Corporation
                            2000 STOCK INCENTIVE PLAN

Section 1. Purpose.

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

Section 2. Definitions.

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

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

                                     Page 1
<PAGE>

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

Section 3. Administration.

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

                                     Page 2
<PAGE>

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

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

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

Section 4. Shares Available for Awards.

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

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

                                     Page 3
<PAGE>

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

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

Section 5. Eligibility.

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

Section 6. Awards.

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

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

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

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

                                     Page 4
<PAGE>

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

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

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

                                     Page 5
<PAGE>

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

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

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

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

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

                                     Page 6
<PAGE>

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

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

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

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

     (g)  General.

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

                                     Page 7
<PAGE>

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

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

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

                                     Page 8
<PAGE>

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

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

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

Section 7.  Amendment and Termination; Adjustments.

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

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

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

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

Section 8. Income Tax Withholding.

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

                                     Page 9
<PAGE>

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

Section 9. General Provisions.

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

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

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

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

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

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

                                    Page 10
<PAGE>

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

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

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

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

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

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

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

Section 10.  Effective Date of the Plan.

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

Section 11.  Term of the Plan.

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

                                    Page 11

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