Document:

<PAGE>

                                                                   Exhibit 10.51
                                                                   -------------

[FinancialWeb Logo]

April 3, 2000

Lysle C. Wickersham

Dear Lysle:

On behalf of FinancialWeb.com, Inc. (the "Company"), it is my pleasure to
memorialize our understanding regarding your position as Senior Vice President
of Marketing. In this capacity, you report to Kevin Leininger, the President and
CEO.

Your starting annualized salary is $180,000, and your commencement date is April
17, 2000.

Stock Option - Management will recommend to the Compensation Committee of the
Board of Directors that you be granted an option to purchase 165,000 shares of
FWEB common stock.

Upon your execution and return of this letter, it will be submitted to the
Compensation Committee of the Board of Directors, for review and approval. You
will not have any legal or beneficial interest in any securities of the Company
until such time as the Compensation Committee or the Board of Directors grants
an option to you. Any option grant shall be on such terms and conditions as the
Committee or the Board deems appropriate.

You will be eligible for the comprehensive benefits package that we offer to our
full-time employees, including our 401k plan. Details of this package will be
reviewed with you in orientation on your first day of employment.

In accordance with current federal law, you will be asked to provide
documentation proving your eligibility to work in the United States. Please
provide proper documentation in that regard.
<PAGE>

Please confirm your acceptance of this employment offer by mailing or delivering
to me an original signed copy. For confidentiality reasons please don't fax this
to me. As a condition of your employment, you will also need to sign a
Non-Disclosure, Non-Compete and Developments Agreement.

This letter does not constitute a guarantee of employment or a contract. Under
Florida law, your employment may be terminated by either you or the Company at
any time and for any reason or no reason. This offer supersedes, rescinds, and
renders null and void all prior offers, acceptances or agreements, both verbal
and written.

Lysle, we are very pleased to have you join the team. I am sure that you will
play an important role in the future success of the Company!

Sincerely,

/s/ James P. Gagel
------------------------
Executive Vice President
General Counsel

Accepted by:

/s/ Lysle Wickersham                                 4/3/00
----------------------------------                   ----------------
Lysle C. Wickersham                                  Date

April 17, 2000
-----------------
Start Date<PAGE>

                                                                     EXHIBIT 4.1

         COMMON                                                 COMMON
                                   [eFUNDS LOGO]
-------------------------                             -------------------------
         SHARES                                                 SHARES

-------------------------                             -------------------------
   INCORPORATED IN THE
    STATE OF DELAWARE                                      CUSIP 28224R 10 1
PAR VALUE $0.01 PER SHARE                                   SEE REVERSE FOR
                                                          CERTAIN DEFINITIONS

This Certifies that

is the owner of

FULLY PAID AND NON-ASSESSABLE COMMON SHARES OF THE PAR VALUE OF $0.01 PER SHARE
OF

                               eFunds Corporation

transferable on the books of said Corporation in person or by duly authorized
attorney upon surrender of this Certificate properly endorsed. This certificate
is not valid unless countersigned and registered by the Transfer Agent and
Registrar. In Witness Whereof, the said Corporation has caused this certificate
to be signed by the facsimile signatures of its duly authorized officers.

DATED:

            /s/ John LeFeure                     /s/ John Blanchard III

               SECRETARY                             CHAIRMAN AND CEO

COUNTERSIGNED AND REGISTERED:

          EQUISERVE TRUST COMPANY, N.A.
                                             TRANSFER AGENT
                                              AND REGISTRAR
BY
           [SIGNATURE APPEARS HERE]

                                       AUTHORIZED SIGNATURE

<PAGE>

This certificate also evidences and entitles the holder hereof to certain rights
as set forth in a Rights Agreement between eFunds Corporation and the Rights
Agent (named in the Rights Agreement) or any successor (as amended from time to
time the "Rights Agreement"), the terms of which are hereby incorporated herein
by reference and a copy of which is on file at the principal executive office of
eFunds Corporation. Under certain circumstances, as set forth in the Rights
Agreement, such Rights will be evidenced by separate certificates and will no
longer be evidenced by this certificate. eFunds Corporation will mail to the
holder of this certificate a copy of the Rights Agreement without charge after
receipt of a written request therefor. Under certain circumstances, as set forth
in the Rights Agreement, Rights issued to any Person who becomes an Acquiring
Person or an Associate or Affiliate thereof (as defined in the Rights
Agreement), or certain transferees of such Person, may become null and void.

The following abbreviations, when used in the inscription on the face of this
certificate, shall be construed as though they were written out in full
according to applicable laws or regulations:

TEN COM - as tenants in common

TEN ENT - as tenants by the entireties
  JTTEN - as joint tenants with right of
          survivorship and not as tenants
          in common

UNIF GIFT MIN ACT-........Custodian (until age.....)
                   (Cust)
                  ..............under Uniform Gifts
                     (Minor)
                  to Minors Act....................
                                     (State)

    Additional abbreviations may also be used though not in the above list.

For value received, _____________________ hereby sell, assign and transfer unto

PLEASE INSERT SOCIALSECURITY OR OTHER
IDENTIFYING NUMBER OF ASSIGNEE
----------------------------------------

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

________________________________________________________________________________
 (PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING ZIP CODE, OF ASSIGNEE)

________________________________________________________________________________

________________________________________________________________________________

________________________________________________________________________________

_________________________________________________________________________ Shares

of the capital stock represented by the within Certificate, and do hereby
irrevocably constitute and appoint

_______________________________________________________________________ Attorney

to transfer the said stock on the books of the within-named Corporation with
full power of substitution in the premises.

Dated ________________________

                                   ___________________________________________

                                   X _________________________________________

                                   X _________________________________________

                             NOTICE: THE SIGNATURE(S) TO THIS ASSIGNMENT
                                     MUST CORRESPOND WITH THE NAME(S) AS
                                     WRITTEN UPON THE FACE OF THE CERTIFICATE IN
                                     EVERY PARTICULAR, WITHOUT ALTERATION OR
                                     ENLARGEMENT OR ANY CHANGE WHATEVER.

Signature(s) Guaranteed

By______________________________

THE SIGNATURE(S) SHOULD BE GUARANTEED
BY AN ELIGIBLE GUARANTOR INSTITUTION
(BANKS, STOCKBROKERS, SAVINGS AND
LOAN ASSOCIATIONS AND CREDIT UNIONS
WITH MEMBERSHIP IN AN APPROVED
SIGNATURE GUARANTEE MEDALLION PROGRAM),
PURSUANT TO S.E.C. RULE 17Ad-15.<PAGE>

                                                                   EXHIBIT 10.19

                               eFunds Corporation
                            STOCK INCENTIVE PLAN FOR
                            DELUXE CONVERSION AWARDS

Section 1.  Purpose.
-------------------

     The purpose of the Plan is to provide substitute Options to employees of
the Company and its Affiliates and employees of the Company's parent
corporation, Deluxe Corporation, and its Affiliates, as a result of the
adjustments to be made to outstanding options under the Deluxe Corporation 1984
Stock Option Plan, the Deluxe Corporation Stock Incentive Plan (as amended ) or
the Deluxe Corporation 1998 DeluxeSHARES Plan in connection with the split-off
of Deluxe Corporation's remaining interest in the Company following the
Company's initial public offering of its Common Stock.

Section 2.  Definitions.
-----------------------

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

          (a) "Affiliate" shall mean (i) when used with reference to the
     Company, any entity that, directly or indirectly through one or more
     intermediaries, is controlled by the Company and (ii) when used with
     reference to Deluxe, any entity that, directly or indirectly through one or
     more intermediaries, is controlled by Deluxe. As used in this definition,
     "control" shall mean the right, either directly or indirectly, to elect a
     majority of the directors of a company without the consent or acquiescence
     of any third party.

          (b) "Board" shall mean the Board of Directors of the Company.

          (c) "Code" shall mean the Internal Revenue Code of 1986, as amended
     from time to time, and any regulations promulgated thereunder.

          (d) "Committee" shall mean a committee of Directors designated by the
     Board to administer the Plan. The Committee shall be comprised of not less
     than such number of Directors as shall be required to permit Options
     granted under the Plan to qualify under Rule 16b-3, and each member of the
     Committee shall be a "Non-Employee Director" within the meaning of Rule
     16b-3 and an "outside director" within the meaning of Section 162(m) of the
     Code. The Company expects to have the Plan administered in accordance with
     requirements for "qualified performance-based compensation" within the
     meaning of Section 162(m) of the Code.

          (e) "Company" shall mean eFunds Corporation, a Delaware corporation,
     and any successor corporation.

          (f) "Deluxe" shall mean Deluxe Corporation, the parent corporation of
     the Company.
<PAGE>

          (g) "Deluxe Option" shall mean an Option to purchase shares of Deluxe
     common stock which was granted under a Deluxe Option Plan prior to the
     Split-Off.

          (h) "Deluxe Option Agreement" shall mean the Participant's agreement
     with or award from Deluxe containing the terms and conditions of a Deluxe
     Option.

          (i) "Deluxe Option Plan" shall mean any one of the Deluxe Corporation
     1984 Stock Option Plan, the Deluxe Corporation Stock Incentive Plan (as
     amended) or the Deluxe Corporation 1998 DeluxeSHARES Plan, whichever Plan
     is applicable.

          (j) "Director" shall mean a member of the Board.

          (k) "eFunds Option" shall mean an Option to purchase Shares pursuant
     to the terms of this Plan, which Option is granted as a result of any
     adjustments made to an Eligible Person's Deluxe Option under the provisions
     of the applicable Deluxe Option Plan in connection with the Split-Off.

          (l) "Eligible Person" shall mean any person who holds an outstanding
     Deluxe Option immediately prior to the Split-Off.

          (m) "Exchange Act" shall mean the Securities Exchange Act of 1934, as
     amended.

          (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 Shares 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) "Incentive Stock Option" shall mean an option that is intended to
     meet the requirements of Section 422 of the Code or any successor provision
     and which, for purposes of this Plan, (i) relates to a Deluxe Option that
     was an Incentive Stock Option immediately prior to the Split-Off and (ii)
     continues to meet the requirements of Section 422 of the Code or any
     successor provision after the Split-Off.

          (p) "Non-Qualified Stock Option" shall mean an option that is not
     intended to be an Incentive Stock Option.

          (q) "Option" shall mean an Incentive Stock Option or a Non-Qualified
     Stock Option and specifically, for purposes of this Plan, it shall mean an
     eFunds Option.

                                      -2-
<PAGE>

          (r) "Option Agreement" shall mean a written schedule or other document
     showing the adjustments made to the Participant's outstanding Deluxe
     Options under and pursuant to the terms of the applicable Deluxe Option
     Plan, which Option Agreement shall include the number of Shares subject to
     the eFunds Options, the exercise price or prices of the eFunds Options and
     the expiration date or dates of the eFunds Options. Each Option Agreement
     shall be subject to the applicable terms and conditions of the respective
     Deluxe Option Plan and Deluxe Option Agreement under and pursuant to which
     the Deluxe Options were granted, as adjusted and modified by the terms and
     conditions of this Plan and the terms set forth in the Option Agreement. To
     the extent that any of the terms in the applicable Deluxe Option Plan or
     Deluxe Option Agreement are inconsistent with the terms of this Plan or the
     Option Agreement with respect to the eFunds Options, the terms of this Plan
     and the Option Agreement shall govern, and if there is any inconsistency
     between this Plan and the terms contained in an Option Agreement, the terms
     of this Plan shall govern.

          (s) "Participant" shall mean an Eligible Person designated to be
     granted an Option under the Plan.

          (t) "Person" shall mean any individual, corporation, partnership,
     association or trust.

          (u) "Plan" shall mean this eFunds Corporation Stock Incentive Plan for
     Deluxe Conversion Awards, as amended from time to time.

          (v) "Rule 16b-3" shall mean Rule 16b-3 promulgated by the Securities
     and Exchange Commission under the Exchange Act or any successor rule or
     regulation.

          (w) "Shares" shall mean shares of Common Stock, par value $0.01 per
     share, of the Company or such other securities or property as may become
     subject to Options pursuant to an adjustment made under Section 4(c) of the
     Plan.

          (x) "Split-Off" shall mean the split-off of Deluxe's remaining
     interest in the Company following the Company's initial public offering of
     the Company's Common Stock in the United States.

          (y) "Stock Option Conversion Equation" shall mean the equation
     attached as Exhibit A hereto.

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 number of
     Shares to be covered by (or the method by which payments or other rights
     are to be calculated in connection with) each Option; (iii) determine the
     terms and conditions of any Option or Option Agreement; (iv) amend the
     terms and conditions of any Option or Option

                                      -3-
<PAGE>

     Agreement; (v) accelerate the exercisability of any Option or the lapse of
     restrictions relating to any Option; (vi) determine whether, to what extent
     and under what circumstances Options may be exercised in cash, Shares,
     promissory notes, other securities 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
     property and other amounts payable with respect to an Option under the Plan
     shall be deferred either automatically or at the election of the holder
     thereof or the Committee; (vii) interpret and administer the Plan and any
     instrument or agreement, including an Option 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 Option 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 Option and any employee of the Company or any Affiliate.

          (b) Delegation. The Committee may delegate 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 the Plan with regard to Options
     granted to officers or directors of the Company or any Affiliate who are
     subject to Section 16 of the Exchange Act or in such a manner as would
     cause the Plan not to comply with the requirements of Section 162(m) of the
     Code.

          (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 Options.
----------------------------------------

          (a) Shares Available. Subject to adjustment as provided in Section
     4(c) of the Plan, the aggregate number of Shares which may be issued under
     all Options under the Plan shall be 3,350,000.

          (b) 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

                                      -4-
<PAGE>

     number and type of Shares (or other securities or other property) that
     thereafter may be made the subject of Options, (ii) the number and type of
     Shares (or other securities or other property) subject to outstanding
     Options and (iii) the purchase or exercise price with respect to an Option;
     provided, however, that the number of Shares covered by an Option or to
     which such Option relates shall always be a whole number.

Section 5.  Eligibility.
-----------------------

     Any Eligible Person shall be eligible to be designated a Participant.

Section 6.  Options.
-------------------

     The Committee is hereby authorized and directed to grant eFunds Options to
Participants with the terms and conditions set forth below. Other than as
specified in this Plan or the Option Agreement, the terms and conditions of the
applicable Deluxe Option Plan and Deluxe Option Agreement to which an eFunds
Option relates shall remain in effect.

          (a) Grant of eFunds Options. The eFunds Options to be granted under
     the Plan shall be granted immediately prior to the Split-Off of the Company
     as a result of adjustments made to outstanding Deluxe Options in connection
     with the Split-Off under the applicable Deluxe Option Plan. The number of
     eFunds Options granted to a Participant shall be determined based on the
     Stock Option Conversion Equation as applied to the number of outstanding
     Deluxe Options held by the Participant immediately prior to the Split-Off,
     and then rounded up or down to the nearest whole share; provided, however,
     that with respect to an Incentive Stock Option the number shall be rounded
     down to the nearest whole share.

          (b) Option Exercise Price. The eFunds Options granted under the Plan
     shall have an exercise price or exercise prices determined based on the
     Stock Option Conversion Equation as applied to the original exercise price
     or prices of the corresponding outstanding Deluxe Options held by the
     Participant immediately prior to the Split-Off as a result of adjustments
     made to outstanding Deluxe Options in connection with the Split-Off under
     the applicable Deluxe Option Plan. The exercise price of an Incentive Stock
     Option under this Plan shall be rounded up to the nearest whole cent.

          (c) Vesting. The vesting provisions of the eFunds Options shall be the
     same as the Deluxe Options to which the eFunds Options relate, assuming,
     for vesting purposes, that the date of grant of the eFunds Options was the
     same as the date of grant for the corresponding Deluxe Options; provided,
     however, that (i) the vesting provision of options awarded under the 1998
     DeluxeSHARES Plan that is conditioned upon the per share price of Deluxe
     common stock reaching a market price at least equal to 150% of the per
     share purchase price (exercise price) applicable to each such option shall
     be modified to require that vesting prior to the third anniversary of the
     applicable option award will be conditioned upon the per Share price of
     eFunds Common Stock reaching a market price at least equal to 150% of the
     per share exercise price determined in accordance with Section 6(b) of the
     eFunds Option corresponding to the option issued under the 1998
     DeluxeSHARES Plan and (ii) any vesting provision contained in a

                                      -5-
<PAGE>

     Deluxe Option Agreement or Deluxe Option Plan relating to a change of
     control of Deluxe shall mean, for purposes of the corresponding eFunds
     Options, a change of control of eFunds subsequent to the Split-Off.

          (d) Exercisability of Options and Option Term. The exercisability
     provisions and the term (including the applicability of any early
     termination provision) of each eFunds Option shall be the same as the
     exercisability provisions and term (including the applicability of any
     early termination provision) of the corresponding Deluxe Option to which
     the eFunds Option relates, assuming, for such purposes, that the date of
     grant of the eFunds Option was the same as the date of grant for the
     corresponding Deluxe Option, except that, with respect to eFunds Options
     relating to Deluxe Options granted prior to 1998 or granted under the 1998
     DeluxeSHARES Plan, the exercisability provisions and term of such Options
     based on past employment or contingent upon continued employment shall mean
     and include past employment with Deluxe and continued employment with
     eFunds for those Participants who are employees of eFunds effective as of
     the Split-Off.

          (e) Method of Exercising Options.

               (i) Subject to the terms and conditions of this Plan, an Option
          may be exercised by written notice to the Company, to the attention of
          the Secretary. Such notice shall state the election to exercise the
          Option, the number of Shares as to which the Option is being
          exercised, the manner of payment, the address to which the certificate
          representing the Shares should be mailed, and the Participant's social
          security number and shall be signed by the person or persons so
          exercising the Option. The notice shall be accompanied by payment in
          full of the exercise price for all Shares designated in the notice. To
          the extent that the Option is exercised after the Participant's death,
          the notice of exercise shall also be accompanied by appropriate proof
          of the right of such person or persons to exercise the Option.

               (ii) Payment of the exercise price shall be made to the Company
          through one or a combination of the following methods:

                    (A) by wire transfer or delivery of a certified or bank
               cashier's check payable to the Company or cash, in United States
               currency, or such other payment method as may be acceptable to
               the Committee; or

                    (B) delivery of shares of Common Stock acquired by the
               Participant more than six months prior to the date of exercise
               having a Fair Market Value on the date of exercise equal to the
               Option exercise price. The Participant shall duly endorse all
               certificates delivered to the Company in blank and shall
               represent and warrant in writing that the Participant is the
               owner of the shares so delivered, free and clear of all liens,
               encumbrances, security interests and restrictions.

          (f) Income 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 exercise of the Option, and in order to comply
     with all applicable income tax laws or

                                      -6-
<PAGE>

     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 Participant,
     are withheld or collected from the Participant. A Participant may, at the
     Participant's election (the "Tax Election"), satisfy any applicable tax
     withholding obligations by (i) electing to have the Company withhold a
     portion of the Shares of Common Stock otherwise to be delivered upon
     exercise of the Option having a Fair Market Value equal to the amount of
     such taxes or (ii) delivering to the Company shares of Common Stock having
     a Fair Market Value equal to 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.

          (g) Restrictions; Securities Exchange Listing. All Shares or other
     securities delivered under the Plan pursuant to any Option 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 Option 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(b)
     below, the Board of Directors of the Company may amend, alter, suspend,
     discontinue or terminate the Plan; provided, however, that, notwithstanding
     any other provision of the Plan or any Option 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 National Association of Securities Dealers, Inc. or any securities
     exchange that are applicable to the Company.

          (b) Amendments to Options. Subject to the provisions of the Plan, the
     Committee may waive any conditions of or rights of the Company under any
     outstanding Option, prospectively or retroactively. Except as otherwise
     provided herein, the Committee may not amend, alter, suspend, discontinue
     or terminate any outstanding Option, prospectively or retroactively, if
     such action would adversely affect the rights of the holder of such Option,
     without the consent of the Participant or holder or beneficiary thereof.

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

                                      -7-
<PAGE>

Section 8.  General Provisions.
------------------------------

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

          (b) Option Agreements. No Participant shall have rights under an
     Option granted to such Participant unless and until an Option Agreement
     shall have been duly executed on behalf of the Company.

          (c) No Rights of Stockholders. Neither a Participant nor the
     Participant's legal representative shall be, or have any of the rights and
     privileges of, a stockholder of the Company with respect to any Shares
     issuable upon exercise or payment of any Option, in whole or in part,
     unless and until the Shares have been issued.

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

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

          (f) Governing Law. The internal law, and not the law of conflicts, of
     the State of Delaware, shall govern all questions concerning the validity,
     construction and effect of the Plan or any Option, and any rules and
     regulations relating to the Plan or any Option.

          (g) Severability. If any provision of the Plan or any Option is or
     becomes or is deemed to be invalid, illegal or unenforceable in any
     jurisdiction or would disqualify the Plan or any Option under any law
     deemed applicable by the Committee, such provision shall be construed or
     deemed amended to conform to applicable laws, or 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 or the Option, such
     provision shall be stricken as to such jurisdiction or Option, and the
     remainder of the Plan or any such Option shall remain in full force and
     effect.

          (h) No Trust or Fund Created. Neither the Plan nor any Option shall
     create or be construed to create a trust or separate fund of any kind or a
     fiduciary relationship between the Company or any Affiliate and a
     Participant or any other Person. To the extent that any Person acquires a
     right to receive payments from the Company or any Affiliate pursuant to an
     Option,

                                      -8-
<PAGE>

     such right shall be no greater than the right of any unsecured general
     creditor of the Company or any Affiliate.

          (i) No Fractional Shares. No fractional Shares shall be issued or
     delivered pursuant to the Plan or any Option, 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.

          (j) 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.

          (k) Other Benefits. No compensation or benefit Optioned to or realized
     by any Participant 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 unless required by
     law or otherwise provided by such other plan.

Section 9.  Effective Date of the Plan.
--------------------------------------

     The Plan shall be effective as of April 17, 2000, subject to approval by
Deluxe Corporation, as the sole stockholder of the Company.

Section 10.  Term of the Plan.
-----------------------------

     The Plan shall continue until the Options under the Plan are exercised or
terminate. The authority of the Committee provided for hereunder with respect to
the Plan and any Options, and the authority of the Board of Directors of the
Company to amend the Plan, shall extend beyond the termination of the Plan.

                                      -9-
<PAGE>

                                                                       EXHIBIT A

Stock Option Conversion Equation

MVef = Total Market Value of eFunds reflected within Deluxe stock price
       immediately prior to the split
MVdx = Total Market Value of New Deluxe immediately prior to the split
E = Original exercise price of a Deluxe Option
N = Original number of Deluxe options outstanding immediately prior to the
    split-off
D = Market value per share of Deluxe common stock at the close of trading on
    last day prior to split
F = Market value per share of eFunds common stock at the close of trading on
    last day prior to split
Pef = The adjusted exercise price of an eFunds option as determined below
Ndx = Adjusted number of Deluxe options after the conversion as determined below
Nef = Adjusted number of eFunds options after the conversion as determined below

1.  Adjusted number of Deluxe options after the conversion (Ndx):

                 N * (MVdx / (MVdx + MVef))

2.  Adjusted exercise price of an eFunds option (Pef):

                 F * (E / D)

3.  Adjusted number of eFunds options after the conversion (Nef):

                 ((N * (D - E)) / (F - Pef)) * (MVef / (MVef + MVdx))

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00010-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00010-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00010-of-00352.parquet"}]]