Document:

Exhibit 10.22

                                            May 4, 2000

Mr. Thomas W. VanHimbergen
Deluxe Corporation
3680 Victoria Street North
Shoreview, MN 55126-2966

Dear Tom:

            Reference is made to the Executive Retention Agreement entered into
between Deluxe Corporation (the "Company") and you dated as of January 9, 1998
(as amended, the "Retention Agreement"). You and the Company have agreed that
your employment with the Company will terminate on May 31, 2000. This letter
agreement sets forth our agreement with respect to the effect of the termination
of your employment under the Retention Agreement. Accordingly, the Company
hereby agrees with you as follows:

            1. Upon your termination of employment, you shall be entitled to the
payments and benefits described in Section V.A. of the Retention Agreement and
it is our mutually agreed upon intention in this letter agreement to quantify
the amount payable to you and settle the Company's obligations under certain
provisions of the that agreement.

            2. The Company and you hereby agree that the total amount payable to
you (x) under Section V.A.1.(a)(ii), V.A.1.(b) and V.A.1.(c) of the Retention
Agreement, (y) for the outplacement services under Section V.A.4 thereof and (z)
except as provided otherwise provided in this paragraph 2, for all of the
benefits provided or to be provided in Section V.A.5 thereof following your
termination, including, without limitation, automobile allowance, long term
disability insurance, the executive physical program, professional financial and
tax services (including costs for financial and tax planning in connection with
the benefits to be provided you under Retention Agreement and this letter
agreement)and the premiums for credit protection insurance covering the deferral
of your compensation as provided in paragraph 4 of this letter (each of the
foregoing specifically enumerated benefits in this clause (z) being grossed up
for income taxes with the exception of the automobile allowance), is equal in
total to $2,242,625.00. We have further agreed that except for the foregoing
benefits enumerated in clause (z) of this letter agreement, the provisions of
V.A.5 shall otherwise be limited to

<PAGE>

amounts or benefits, if any, arising as therein provided prior to your
termination of employment and shall not include any other amounts or benefits
arising after that termination.

            3. The Company also agrees to quantify the amount of your (i)
deferred compensation account balances and (ii) accrued vacation and holiday pay
to the extent not otherwise paid to you prior to your termination of employment.

            4. If, prior to December 31, 2000, the Company establishes a plan
providing for the deferral of compensation, the amount of $1,500,000 of the
total amount payable to you under paragraphs 2 and 3 of this letter agreement
shall be credited with interest thereon at the per annum rate of 8% (computed
from the date of your termination to the date the credit is made) to your
account thereunder and shall thereafter be governed by all of the terms and
conditions thereof; provided, however, that you shall be required to elect the
time and manner of payments to you under that plan no later than 30 days after
its adoption and, provided further, that you may not elect a payment date under
such plan that is earlier than one year from the date you make such election.
The crediting of such deferred compensation to an account established under such
deferral plan for your benefit shall discharge the Company's obligation to pay
that amount to you. If the Company fails to establish such a plan on or prior to
December 31, 2000, the Company shall pay such amount to you in a lump sum cash
payment plus interest at the per annum rate of 8% (computed from the date of
your termination to the date such payment is made) no earlier than January 2,
2001 or later than January 5, 2001. The balance of the total amounts calculated
under paragraphs 2 and 3 of this letter agreement will calculated and paid to
you within five days of the date of your termination of employment.

<PAGE>

            5. The Company hereby agrees to honor its obligations under Sections
V.A.1.(a)(i), V.A.2., V.A.3, VII and VIII and, subject to the provisions of
paragraph 2 above, Section V.A.5. of the Retention Agreement.

            6. This will confirm that on your date of termination, you will have
the status of a Qualified Retiree for purposes of Company's retiree programs,
including, the Deluxe Foundation's matching gift program, Hotchkiss scholarship
program, and, to the extent not covered by other benefits under Retention
Agreement and confirmed in this letter, retiree life, health and dental
insurance programs.

            7. You hereby agree to honor your obligations under Section IX of
the Retention Agreement.

            8. Upon your execution of this Agreement, you, your beneficiaries or
your estate, as the case may be, shall be entitled to receive the benefits
described in this letter agreement (including any deferral plan contribution
described in paragraph 4, which will be distributed in accordance with the terms
of such deferral plan and, to the extent not modified or affected by the plan,
your deferral, distribution and beneficiary elections with respect thereto)
notwithstanding your death or disability after the date of this letter and
before your aforesaid termination date. In other respects, the Retention
Agreement is hereby terminated, except to the extent necessary to implement the
provisions of this letter agreement.

            If this letter agreement accurately sets forth our agreement on the
subject matter hereof, kindly indicate your agreement by signing in the space
provided below and returning it to me at your earliest convenience.

                                            Sincerely,

                                            /s/ John A. Blanchard III
                                            -------------------------
                                            John A. Blanchard III
                                            President & CEO
                                            Deluxe Corporation

Agreed to and Accepted:

/s/ Thomas W. VanHimbergen
--------------------------
Thomas W. VanHimbergenExhibit 10.23

                                           June 29, 2000

Mr. John H. LeFevre
Deluxe Corporation
3680 Victoria Street North
Shoreview, MN 55126-2966

Dear John:

            Reference is made to the Executive Retention Agreement entered into
between Deluxe Corporation ("Deluxe " or the "Company") and you dated as of
January 9, 1998 (as amended, the "Retention Agreement"). The capitalized terms
used herein, unless otherwise defined in this letter agreement, shall have the
meanings ascribed to them in the Retention Agreement.

            The Company acknowledges that it proposes to make an initial public
offering ("IPO") of an amount of its common stock ownership in its subsidiary,
eFunds Corporation, pursuant to a registration statement on form S-1 under the
Securities Act of 1933, as amended, that, together with all derivative shares,
will reduce Deluxe's ownership of eFunds to not less than 80.1% and thereafter,
Deluxe plans to distribute to the holders of its common stock by means of an
exchange offer and/or a pro rata distribution all of the remaining shares of
eFunds Stock owned by Deluxe (the "Distribution," and the date thereof, the
"Distribution Date"). The Company further acknowledges that completion of the
Distribution will result in its obligation to make and provide, and your right
to receive, the payments and benefits described in Article V of the Retention
Agreement and that other intervening actions by the Company may result in your
right to terminate your employment by Deluxe for Good Reason before the
Distribution Date or Separation Date (as hereinafter defined).

            The Company desires to retain your services in your position of
Senior Vice President, General Counsel and Secretary through the Separation Date
in order to facilitate the IPO and Distribution. Further, you and Deluxe desire
to specify the payments and benefits that you will receive under the Retention
Agreement at the time you become entitled to receive such payments and benefits.
For the purposes of this letter agreement, the Separation Date means the earlier
to occur of December 1, 2000 or fifteen business days after the Distribution
Date.

<PAGE>

            You and the Company have agreed that your employment with the
Company will terminate on the Separation Date. Despite such agreement, we agree
that through the Separation Date, you and Deluxe each reserve all of your and
its respective rights to terminate your employment for Good Reason and for
Cause, respectively, under the Retention Agreement.

            This letter agreement sets forth our agreement with respect to the
effect of the termination of your employment under the Retention Agreement on
(a) the Separation Date, (b) an earlier or later date as to which we may agree
in a writing referencing this letter agreement signed by both parties, (c) the
effective date of your termination of employment following the exercise of your
rights to terminate your employment for Good Reason in accordance with the
Retention Agreement, (d) the effective date of your termination of employment by
the Company without Cause, and (d) your death or disability (as hereinafter
further described) (each such date, a "Termination Date").

            Accordingly, the Company hereby agrees with you as follows:

            9. Upon the Termination Date, you shall be entitled to the payments
and benefits described in Section V. A. of the Retention Agreement and it is our
mutually agreed upon intention in this letter agreement to quantify the amount
payable to you and settle the Company's obligations under certain provisions of
the that agreement.

            10. The Company and you hereby agree that the total amount payable
to you (i) under Section V.A.1.(b) and V.A.1.(c) of the Retention Agreement,
(ii) for the outplacement services under Section V.A.4 thereof and (iii) except
as otherwise provided in this paragraph 2, for all of the benefits provided or
to be provided in Section V.A.5 thereof following your termination, including,
without limitation, automobile allowance, long term disability insurance, the
executive physical program, professional financial and tax services (including
costs for financial and tax planning in connection with the benefits to be
provided you under Retention Agreement and this letter agreement) and the
premiums for credit protection insurance covering the deferral of your
compensation as provided in paragraph 4 of this letter (each of the foregoing
specifically enumerated benefits in this clause (iii) being grossed up for
income taxes with the exception of the automobile allowance), is equal in total
to $1,696,242.00. We have further agreed that except for the foregoing benefits
enumerated in clause (iii) of this letter agreement, the provisions of V.A.5
shall otherwise be limited to amounts or benefits, if any, arising as therein
provided prior to your termination of employment and shall not include any other
amounts or benefits arising after that termination.

<PAGE>

            11. The Company also agrees to quantify and pay to you as required
by the provisions of V.A.1.(a)(iii) of Retention Agreement the amount of your
(i)(x) deferred compensation account balances and (y) accrued vacation and
holiday pay to the extent not otherwise paid to you prior to the Termination
Date and (ii) the amount payable to you under V.A.1.(a)(ii).

            12. Effective April 28, 2000,the Company adopted the Deluxe
Corporation Executive Deferred Compensation Plan (the "Deferred Compensation
Plan"). By your election dated June 29, 2000, of the total amount payable to you
under paragraphs 2 and 3 of this letter agreement, you elected to defer the
amount of $1,696,242.00 payable under paragraph 2 plus the amount of your
deferred compensation account balance and bonus as of the Termination Date
payable under clauses (i)(x) and (ii) of paragraph 3, respectively, which
amounts shall be credited with interest thereon at the per annum rate of 8%
(computed from the Termination Date to the date the credit is made) to your
account under the Deferred Compensation Plan and shall thereafter be governed by
all of the terms and conditions thereof. The crediting of such deferred
compensation to an account established under the Deferred Compensation Plan for
your benefit shall discharge the Company's obligation to pay that amount to you.
The balance, if any, of the total amounts calculated under paragraphs 2 and 3 of
this letter agreement will calculated and paid to you within five days of the
date of your Termination Date.

<PAGE>

            13. The Company hereby further agrees to honor its obligations under
Sections V.A.1.(a)(i) , V.A.2., V.A.3, VII and VIII and, subject to the
provisions of paragraph 2 above, Section V.A.5. of the Retention Agreement.

            14. This will confirm that as of the Termination Date, you will have
the status of a Qualified Retiree for purposes of Company's retiree programs,
including, the Deluxe Foundation's matching gift program, Hotchkiss scholarship
program, and, to the extent not covered by other benefits under Retention
Agreement and confirmed in this letter, retiree life, health and dental
insurance programs.

            15. Upon your execution of this Agreement, you, your beneficiaries
or your estate, as the case may be, shall be entitled to receive the benefits
described in this letter agreement (including any contribution to the Deferred
Compensation Plan described in paragraph 4, which will be distributed in
accordance with the terms of Deferred Compensation Plan and your deferral,
distribution and beneficiary elections with respect thereto) notwithstanding
your death or disability after the date of this letter and before the
Termination Date.

            16. Nothing in this letter agreement shall be deemed to alter (i)
your rights, if any, under Section IV.C. and/or Section IV.H. to terminate your
employment prior to the Separation Date, in which event your rights will be
governed by this letter agreement, or (ii) the Company's rights to terminate you
for Cause as provided in IV.B., in which event any payments to you shall be
governed solely by the provisions of Section V. D.

            17. In other respects, the Retention Agreement shall terminate on
the Termination Date, except to the extent necessary to implement the provisions
of this letter agreement, provided, that you hereby agree to honor your
obligations under Section IX of the Retention Agreement.

            If this letter agreement accurately sets forth our agreement on the
subject matter hereof, kindly indicate your agreement by signing in the space
provided below and returning it to me at your earliest convenience.

<PAGE>

                                            Sincerely,

                                            /s/ John A. Blanchard III
                                            -------------------------

                                            John A. Blanchard III
                                            Chairman & CEO
                                            Deluxe Corporation

Agreed to and Accepted:

/s/ John H. LeFevre
-------------------
John H. LeFevre
Sr. Vice-President, General Counsel & Secretary
Deluxe Corporation

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