Document:

Exhibit 10.5

                      AMENDED AND RESTATED CREDIT AGREEMENT

                  THIS AMENDED AND RESTATED CREDIT AGREEMENT (this "Agreement"),
dated as of August 14, 2000, is made among DELUXE CORPORATION, a Minnesota
corporation (the "Company"), the financial institutions listed on the signature
pages hereof under the heading "THE BANKS" (each a "Bank" and, collectively, the
"Banks"), and Bank of America, N.A., as administrative agent for itself and the
Banks (in such capacity, the "Agent").

                  The Company, the Banks and the Agent are parties to a Credit
Agreement dated as of August 30, 1999 (the "Credit Agreement"). The Company has
requested that the Banks agree to an amendment and restatement of the Credit
Agreement in order to (i) extend the Revolving Termination Date thereunder, (ii)
and to amend certain covenants contained therein.

                  The parties hereto desire to amend the Credit Agreement as set
forth in this Agreement and to restate the Credit Agreement in its entirety to
read as set forth in the Credit Agreement with the amendments specified below.

                  Accordingly, the parties hereto agree as follows:

                  SECTION 1 Definitions; Interpretation.

                  (a) Terms Defined in Credit Agreement. All capitalized terms
used in this Agreement (including in the Recitals hereof) and not otherwise
defined herein shall have the meanings assigned to them in the Credit Agreement.

                  (b) Interpretation. The rules of interpretation set forth in
Section 1.02 of the Credit Agreement shall be applicable to this Agreement and
are incorporated herein by this reference.

                  SECTION 2 Amendments to the Credit Agreement.

                  (a) Amendment and Restatement. As of the date of satisfaction
of the condition set forth in Section 3(a) (the "Initial Effective Date"), the
Credit Agreement shall be amended as set forth in subsection 2(b) below. As of
August 28, 2000, provided all of the conditions set forth in Section 3 hereof
have been satisfied on or before such date, (the "Subsequent Effective Date"),
the Credit Agreement shall be further amended as set forth in subsection 2(c)
below and restated in its entirety to read as set forth in Credit Agreement with
the amendments specified in subsections 2(b) and 2(c) below.

                  (b) Initial Amendments. Upon the Initial Effective Date, the
Credit Agreement shall be amended as follows:

                           (i) Section 7.02(c) is amended by deleting the word
                  "and" from the end thereof.

<PAGE>

                           (ii) The existing Section 7.02(d) is redesignated as
                  Section 7.02(e). The existing Section 7.02(d) is further
                  amended by changing the reference therein to "subsections
                  7.02(a) through (c)" to read "subsections 7.02(a) through
                  (d)".

                           (iii) A new Section 7.02(d) is inserted to read as
                  follows:

                                    "(d) dispositions by the Company of common
                                    stock of eFunds Corporation to Company
                                    shareholders, pursuant to an exchange offer
                                    (in which shares of the Company are
                                    exchanged for shares of eFunds Corporation)
                                    and spin-off or in-kind dividend of any
                                    remaining eFunds shares, as described
                                    generally in that S-1/A Registration
                                    Statement of eFunds Corporation filed with
                                    the SEC on or about June 23, 2000, and
                                    pursuant to an S-4 Registration Statement of
                                    eFunds Corporation to be filed with the SEC
                                    (together, the "Exchange Offer
                                    Transaction"); and".

                           (iv) Section 7.06(b) is amended by deleting the word
                  "and" from the end thereof.

                           (v) The existing Section 7.06(c) is redesignated as
                  Section 7.06(d).

                           (vi) A new Section 7.06(c) is inserted to read as
                  follows:

                                    "(c) make distributions by the Company to
                                    its shareholders of common stock of eFunds
                                    Corporation, pursuant to the Exchange Offer
                                    Transaction; and".

                  (c) Subsequent Amendment. Upon the Subsequent Effective Date,
the Credit Agreement shall be further amended at Section 1.1, the definition of
"Revolving Termination Date", by deleting the date "August 28, 2000" and
substituting in its place the date "August 24, 2001".

                  (d) References Within Credit Agreement. Each reference in the
Credit Agreement to "this Agreement" and the words "hereof," "herein,"
"hereunder," or words of like import, shall mean and be a reference to the
Credit Agreement as amended by this Agreement.

                  SECTION 3 Conditions of Effectiveness. The following are
conditions precedent to this Agreement as set forth in Section 2 hereof:

                  (a) Executed Amendment. The Agent shall have received an
executed counterpart of this Agreement from the Company and each of the Banks.

                  (b) Additional Closing Documents and Actions. The Agent shall
have received, in form and substance satisfactory to it a certificate of a
Responsible Officer of the Company dated the Subsequent Effective Date, stating
that (A) the representations and warranties contained in Section 4 hereof are
true and correct on and as of the Subsequent Effective Date, and (B) on and as
of the Subsequent Effective Date, after giving effect to the

                                       2.
<PAGE>

amendment of the Credit Agreement contemplated hereby, no Default or Event of
Default shall have occurred and be continuing.

                  (c) Corporate Documents. The Agent shall have received, in
form and substance satisfactory to it, a certificate of the Secretary or
Assistant Secretary of the Company, dated the Subsequent Effective Date,
certifying (A) the resolutions of the Board of Directors of the Company
authorizing the execution, delivery and performance of this Agreement, and (B)
the incumbency, authority and signature of each officer of the Company
authorized to execute and deliver this Agreement.

                  (d) Legal Opinions. The Agent shall have received a legal
opinion from the General Counsel of the Company, dated as of the Subsequent
Effective Date, in form and substance satisfactory to the Agent.

                  (e) Additional Documents. The Agent shall have received, in
form and substance satisfactory to it, such additional approvals, documents and
other information as the Agent or any Bank (through the Agent) may reasonably
request.

                  (f) Fees. The Company shall have paid (i) to the Agent, for
the ratable benefit of the Banks from whom the Agent received, on or before
August 7, 2000, a signed copy of the letter dated July 17, 2000, from the Agent
to the Banks requesting their commitment to the amendment to the Credit
Agreement contemplated by Section 2(c), an upfront fee equal to 0.03% of the
Commitment of each such Bank, and (ii) to the Agent for its own account such
additional fees as are specified in the fee letter dated August 1, 2000 between
the Company and the Agent.

For purposes of determining compliance with the foregoing conditions specified
in this Section 3, each of the Banks that has executed this Agreement shall be
deemed to have consented to, approved or accepted or to be satisfied with, each
document or other matter either sent by the Agent to such Bank for consent,
approval, acceptance or satisfaction, or required hereunder to be consented to
or approved by or acceptable or satisfactory to, such Bank.

                  SECTION 4 Representations and Warranties of the Company. To
induce the Agent and the Banks to enter into this Agreement, the Company hereby
confirms and restates, as of the Initial Effective Date and the Subsequent
Effective Date, the representations and warranties made by it in Article V of
the Credit Agreement. For the purposes of this Section 4, (i) each reference in
Article V of the Credit Agreement to "this Agreement," and the words "hereof,"
"herein," "hereunder," or words of like import in such Section, shall mean and
be a reference to the Credit Agreement as amended by this Agreement, and each
reference in such Section to "the Loan Documents" shall mean and be a reference
to the Loan Documents as amended, as contemplated hereby, (ii) the
representation and warranty set forth in Section 5.11 of the Credit Agreement
shall be deemed instead to refer to the last day of the most recent fiscal
quarter and fiscal year for which financial statements have then been delivered,
and (iii) any representations and warranties which relate solely to an earlier
date shall not be deemed confirmed and restated as of the date hereof (provided
that such representations and warranties shall be true, correct and complete as
of such earlier date).

                                       3.
<PAGE>

                  SECTION 5 Miscellaneous.

                  (a) Notice. The Agent shall notify the Company and the Banks
of the occurrence of the Initial Effective Date and the Subsequent Effective
Date, and thereafter distribute to the Company and Banks copies of all documents
delivered under Section 3.

                  (b) Credit Agreement Otherwise Not Affected. Except as
expressly amended and restated pursuant hereto, the Credit Agreement shall
remain unchanged and in full force and effect and is hereby ratified and
confirmed in all respects. The Banks' and the Agent's execution and delivery of,
or acceptance of, this Agreement and any other documents and instruments in
connection herewith shall not be deemed to create a course of dealing or
otherwise create any express or implied duty by any of them to provide any other
or further amendments, consents or waivers in the future.

                  (c) No Reliance By Company. The Company hereby acknowledges
and confirms to the Agent and the Banks that the Company is executing this
Agreement on the basis of its own investigation and for its own reasons without
reliance upon any agreement, representation, understanding or communication by
or on behalf of any other Person.

                  (d) Costs and Expenses. The Company agrees to pay to the Agent
on demand the reasonable out-of-pocket costs and expenses of the Agent, and the
reasonable fees and disbursements of counsel to the Agent, in connection with
the negotiation, preparation, execution and delivery of this Agreement and any
other documents to be delivered in connection herewith.

                  (e) Binding Effect. This Agreement shall be binding upon,
inure to the benefit of and be enforceable by the Company, the Agent and each
Bank and their respective successors and assigns.

                  (f) Governing Law. THIS AGREEMENT SHALL BE GOVERNED BY, AND
CONSTRUED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK.

                  (g) Complete Agreement; Amendments. This Agreement, together
with the other Loan Documents, contains the entire and exclusive agreement of
the parties hereto and thereto with reference to the matters discussed herein
and therein. This Agreement supersedes all prior commitments, drafts,
communications, discussion and understandings, oral or written, with respect
thereto. This Agreement may not be modified, amended or otherwise altered except
in accordance with the terms of Section 10.01 of the Credit Agreement.

                  (h) Severability. Whenever possible, each provision of this
Agreement shall be interpreted in such manner as to be effective and valid under
all applicable laws and regulations. If, however, any provision of this
Agreement shall be prohibited by or invalid under any such law or regulation in
any jurisdiction, it shall, as to such jurisdiction, be deemed modified to
conform to the minimum requirements of such law or regulation, or, if for any
reason it is not deemed so modified, it shall be ineffective and invalid only to
the extent of such prohibition or invalidity without affecting the remaining
provisions of this Agreement, or the validity or effectiveness of such provision
in any other jurisdiction.

                                       4.
<PAGE>

                  (i) Counterparts. This Agreement may be executed in any number
of counterparts and by different parties hereto in separate counterparts, each
of which when so executed shall be deemed to be an original and all of which
taken together shall constitute but one and the same agreement.

                  (j) Interpretation. This Agreement is the result of
negotiations among, and has been reviewed by, counsel to the Agent, the Company
and the other parties hereto and are the product of all parties hereto.
Accordingly, this Agreement shall not be construed against any of the Banks or
the Agent merely because of the Agent's or any Bank's involvement in the
preparation thereof.

                  (k) Loan Document. This Agreement shall constitute a Loan
Document.

                                       [SIGNATURE PAGES FOLLOW.]

                                       5.
<PAGE>

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

                                       THE COMPANY
                                       -----------

                                       DELUXE CORPORATION

                                       By:
                                           -------------------------------------
                                       Name:
                                       Title:

                                       THE AGENT
                                       ---------

                                       BANK OF AMERICA, N.A., as Agent

                                       By:
                                           -------------------------------------
                                       Name:  Matthew A. Gabel
                                       Title: Vice President

                                       THE BANKS
                                       ---------

                                       BANK OF AMERICA, N.A., as a Bank

                                       By:
                                           -------------------------------------
                                       Name:  Kenneth J. Beck
                                       Title: Vice President

                                       ABN AMRO BANK N.V.

                                       By:
                                           -------------------------------------
                                       Name:
                                       Title:

                                       By:
                                           -------------------------------------
                                       Name:
                                       Title:

                                       6.
<PAGE>

                                       BANCA DI ROMA - CHICAGO BRANCH

                                       By:
                                           -------------------------------------
                                       Name:
                                       Title:

                                       By:
                                           -------------------------------------
                                       Name:
                                       Title:

                                       THE BANK OF NEW YORK

                                       By:
                                           -------------------------------------
                                       Name:
                                       Title:

                                       BANK ONE, N.A. (formerly known
                                       as The First National Bank of Chicago)

                                       By:
                                           -------------------------------------
                                       Name:
                                       Title:

                                       FIRSTAR BANK, NATIONAL ASSOCIATION

                                       By:
                                           -------------------------------------
                                       Name:
                                       Title:

                                       7.
<PAGE>

                                       LLOYDS TSB BANK PLC

                                       By:
                                           -------------------------------------
                                       Name:
                                       Title:

                                       By:
                                           -------------------------------------
                                       Name:
                                       Title:

                                       THE NORTHERN TRUST COMPANY

                                       By:
                                           -------------------------------------
                                       Name:
                                       Title:

                                       SUNTRUST BANK

                                       By:
                                           -------------------------------------
                                       Name:
                                       Title:

                                       UMB BANK, N.A.

                                       By:
                                           -------------------------------------
                                       Name:
                                       Title:

                                       8.

<PAGE>

                                       WACHOVIA BANK, N.A.

                                       By:
                                           -------------------------------------
                                       Name:
                                       Title:

                                       WELLS FARGO BANK, N.A.

                                       By:
                                           -------------------------------------
                                       Name:
                                       Title:

                                       9.Exhibit 10.6

August 19, 1998

Ronald E. Eilers
4920 Neal Avenue North
Stillwater, MN 55082

Dear Ron:

In order to facilitate your orderly attention to the affairs of Deluxe
Corporation and its Affiliates (as defined below), you will be provided certain
separation benefits in the event of your employment separation due to a Business
Reorganization (as defined below), subject to the terms and conditions described
below.

Beginning August 1, 1998 through July 31, 2001, if, at the time of your
employment separation, you sign a separation agreement and release and if you
are not offered a position having an equal or greater base salary and Deluxe
Annual Incentive Plan (or equivalent) bonus target, then you will receive:

         A.       Twelve (12) months of severance pay at your then-current level
                  of base monthly salary in accordance with regular Deluxe
                  Corporation (Deluxe) payroll practices;
         B.       For a period of six (6) months commencing on the first
                  anniversary of the initial payment in paragraph A, a monthly
                  payment during each month in such six (6) month period equal
                  to the amount, if any, that your monthly base salary at the
                  time of your separation exceeds your monthly compensation
                  during that month in such six (6) month period. In order to be
                  eligible to receive any such payment, you agree to provide
                  Deluxe a copy of documentation concerning your monthly
                  compensation, such as your payroll statement or, if
                  applicable, your written statement that you are not then
                  employed, and within thirty (30) days thereafter, Deluxe will
                  make such differential payment to you; and
         C.       Continuation of the medical, life, vision and dental plan
                  coverage in which you were a participant, if any, at the time
                  of your separation for the subsequent twelve (12) month period
                  at employee rates as such plan terms and rates may change from
                  time to time.

"Affiliate" means a company which is directly, or indirectly through one or more
intermediaries, controlled by or under common control with another company where
control shall mean the right, either directly or indirectly, to elect the
majority of the directors thereof without the consent or acquiescence of any
third party.

"Business Reorganization" means a change in the structure of Deluxe or any
Affiliate that results in the elimination or material reduction of your job
responsibilities.

<PAGE>

You also agree that during the term of your employment by Deluxe or any of its
Affiliates and for a period of two (2) years thereafter, you shall retain in
confidence all proprietary and confidential information concerning Deluxe or any
of its Affiliates, including, without limitation, customer and mailing lists,
cost and pricing information, employee data, financial data, business plans,
sales and marketing plans, business acquisition or divestiture plans, research
and development activities relating to existing commercial activities and new
products, services and offerings under active consideration, trade secrets and
software which you may have acquired during the course of your employment with
Deluxe or its Affiliates and, notwithstanding the exceptions contained in the
next sentence, shall return all copies and extracts thereof (however and on
whatever medium recorded, to Deluxe, or as otherwise requested by Deluxe,
without keeping any copies thereof). The foregoing obligation does not apply to
(i) any information which was known to you prior to disclosure to you by Deluxe
or any of its Affiliates; (ii) any information which was in the public domain
prior to its disclosure to you; (iii) any information which comes into the
public domain through no fault of yours; (iv) any information which you are
required to disclose by a court or similar authority or under subpoena, provided
that you provide Deluxe with notice thereof and assist, at Deluxe's or its
Affiliates sole expense, any reasonable Deluxe or Affiliate endeavor by
appropriate means to obtain a protective order limiting the disclosure of such
information; and (v) any information which is disclosed to you by a third party
which has a legal right to make such disclosure.

You may not assign or delegate any of your rights or obligations in respect of
this agreement and any attempted assignment or delegation shall be void and of
no effect. This agreement is binding upon Deluxe Corporation and your affiliated
employer and its successors and assigns and inures to the benefit of you, your
heirs and executors. You acknowledge that you are an employee at will and agree
that your employment may be terminated, by Deluxe or any of its Affiliates of
which you were an employee, at any time for any reason or no reason. This
agreement is governed by the substantive laws of the State of Minnesota.

This agreement is not intended to provide you with payments or benefits that are
duplicative or overlap payments or benefits that will be paid or provided to you
under other agreements between you and Deluxe or its Affiliates. Accordingly,
except as provided herein, you acknowledge that there are no other agreements to
which you and Deluxe or any of its Affiliates are a party that provide severance
or continuation of income payments or welfare benefits to you or your family
following the termination of your employment, except:

         Executive Retention Agreement dated as of the 9th day of January, 1998
         ("Retention Agreement")

This agreement will be superceded and replaced in its entirety by the Retention
Agreement on the Effective Date thereof or upon the termination prior to the
Effective Date of your employment by (i) the Company without Cause or (ii) you
for Good Reason,

                                       2
<PAGE>

where the effect of such termination is to entitle you to receive the benefits
described in Section V.A as a result of the occurrence of event or circumstances
described in Section IV. H of the Retention Agreement. The capitalized terms
used in this paragraph will have the meanings ascribed to them in the Retention
Agreement.

We look forward to your continued contributions to Deluxe or its Affiliates
under these circumstances which we hope will provide you a greater degree of
assurance concerning your livelihood. Please contact Sonia St. Charles if you
have any questions about this letter.

With kindest regards,

/s/ J.A. Blanchard III

J.A. Blanchard III                               /s/ Ronald E. Eilers
Chairman, President and                -----------------------------------------
Chief Executive Officer                Employee

                                                 8/22/98
                                       -----------------------------------------
                                       Date

                                       3

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