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                                                                    Exhibit 10.4

                           CHANGE IN CONTROL AGREEMENT

         AGREEMENT by and between eFunds Corporation, a Delaware corporation
(the "Company"), and Paul W. Finch, Jr. (the "Executive") dated as of October
19, 2000.

         The Compensation Committee of the Board of Directors of the Company
(the "Board") has determined that it is in the best interests of the Company and
its shareholders to ensure that the Company will have the continued dedication
and service of the Executive, notwithstanding the possibility, threat or
occurrence of a Business Combination (as defined below) and to encourage the
Executive's full support of and participation in implementing the Company's
business strategy involving one or more significant transactions. The Board
believes it is imperative to diminish the inevitable distraction of the
Executive by virtue of the personal uncertainties and risks associated with
these types of strategic initiatives, to encourage the Executive to provide his
or her full attention and dedication to the Company and its business strategies
notwithstanding such personal uncertainty and to provide the Executive with
compensation and benefits arrangements upon the occurrence of a Business
Combination which ensure that the compensation and benefits expectations of the
Executive will be satisfied and that the Executive will continue to receive
compensation and benefits competitive with those of other corporations.
Therefore, in order to accomplish these objectives, the Board has caused the
Company to enter into this Agreement.

         NOW, THEREFORE, IT IS HEREBY AGREED AS FOLLOWS:

         I.       Certain Definitions.

                  A. "Affiliate" shall have the meaning defined in Rule 12b-2
promulgated under the Securities Exchange Act of 1934, as amended (the "Exchange
Act"). The "Affiliates" of a Person shall also include such Person's
"Associates," as such term is defined in Rule 12b-2 promulgated under the
Exchange Act.

                  B. "Beneficial Owner" shall have the meaning defined in Rule
13d-3 promulgated under the Exchange Act.

                  C. "Business Combination" shall be deemed to have occurred if
the conditions set forth in any one of the following paragraphs shall have been
satisfied:

         1. any Person or group (as defined in Rule 13d-5 promulgated under the
Exchange Act) of Persons is or becomes the Beneficial Owner, directly or
indirectly, of securities of the Company representing 20% or more of the
combined voting power of the Company's then outstanding securities, excluding,
at the time of their original acquisition, from the securities acquired directly
or beneficially by any such Person or group of Persons any securities acquired
directly from the Company or in connection with a transaction described in
clause (a) of paragraph 3 below (it being understood and agreed that, during the
period preceding the Split-Off Date, the ownership by Deluxe and any Person
Controlled by Deluxe of more than 20% of the

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combined voting power of the Company's then outstanding securities shall not
constitute a "Business Combination" pursuant to this Section I.C.1.); or

         2. the individuals who at the date of this Agreement constitute the
Board and any new director (other than a director whose initial assumption of
office is in connection with an actual or threatened election contest, including
but not limited to a consent solicitation, relating to the election of directors
of the Company) whose appointment or election by the Board or nomination for
election by the Company's shareholders was approved or recommended by a vote of
at least two-thirds (2/3) of the directors then still in office who either were
directors as of the date of this Agreement or whose appointment, election or
nomination for election was previously so approved, cease for any reason to
constitute a majority thereof; or

         3. there is consummated a merger, share exchange, consolidation or
similar transaction (each, a "Transaction") involving the Company or any
Affiliate of the Company with any other Person, other than (a) a Transaction
which would result in the voting securities of the Company outstanding
immediately prior thereto continuing to represent (either by remaining
outstanding or by being converted into voting securities of the surviving Person
or any parent thereof), in combination with the ownership of any trustee or
other fiduciary holding securities under an employee benefit plan of the Company
or any Affiliate of the Company, at least 65% of the combined voting power of
the voting securities of the Company or such surviving Person or any parent
thereof outstanding immediately after such merger or consolidation, or (b) a
Transaction effected to implement a recapitalization of the Company (or similar
transaction) in which no Person is or becomes the Beneficial Owner, directly or
indirectly, of securities of the Company representing 20% or more of the
combined voting power of the Company's then outstanding securities (it being
understood and agreed that, during the period preceding the Split-Off Date, the
ownership by Deluxe and any person Controlled by Deluxe of more than 20% of the
combined voting power of the Company's then outstanding securities a result of
any such recapitalization (or similar transaction) shall not constitute a
"Business Combination" pursuant to this Section I.C.3);

         4. the shareholders of the Company approve a plan of complete
liquidation of the Company or there is consummated an agreement for the sale or
disposition by the Company of all or substantially all of the assets of the
Company and its subsidiaries, other than a sale or disposition of all or
substantially all of the assets of the Company and its subsidiaries to a Person,
at least 65% of the combined voting power of the voting securities of which are
owned by shareholders of the Company in substantially the same proportions as
their ownership of the Company immediately prior to such sale or disposition; or

         5. if, prior to the Split-Off Date, any of the transactions described
in the foregoing clauses (1), (2), (3) or (4) should occur with regard to Deluxe
(in making such determination, the word "Deluxe shall be substituted for the
words "the Company" in such clauses and the reference to the "Board" in clause 2
shall be deemed to refer to the Board of Directors of Deluxe).

                  D. "Business Combination Period" shall mean the period
commencing on the date hereof and ending on the third anniversary of the date
hereof; provided, however, that

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commencing on the date one year after the date hereof, and on each annual
anniversary of such date (such date and each annual anniversary thereof shall be
hereinafter referred to as the "Renewal Date"), the Business Combination Period
shall be automatically extended so as to terminate three years from such Renewal
Date, unless at least 120 days prior to the then-current Renewal Date the
Company shall give notice to the Executive that the Business Combination Period
shall not be so extended.

                  E. "Control" shall mean the right, either directly or
indirectly, to elect a majority of the members of the board of directors (or
similar governing body) of an Person without the consent or acquiescence of any
third party.

                  F. "Deluxe" shall mean Deluxe Corporation, a Minnesota
corporation.

                  G. "Effective Date" shall mean the first date during the
Business Combination Period on which a Business Combination occurs.

                  H. "Person" shall mean any natural person, corporation,
limited liability company, association, partnership (whether general or
limited), joint venture, sole proprietorship, governmental agency, unit,
subdivision or municipality, trust, estate, association, custodian or any other
individual or entity, except that such term shall not include (i) the Company or
any of its subsidiaries, (ii) a trustee or other fiduciary holding securities
under an employee benefit plan of the Company or any of its Affiliates, or (iii)
an underwriter temporarily holding securities of the Company as part of a public
offering of such securities.

                  I. "Split-Off Date" shall mean the date that Deluxe and
Persons Controlled by Deluxe shall cease to own at least 50% of the combined
voting power of the Company's then outstanding securities.

         II. Employment Period.

                  Subject to the terms and conditions of this Agreement, the
Company hereby agrees to continue the Executive in its employ, and the Executive
hereby agrees to remain in the employ of the Company for the period commencing
on the Effective Date and ending on the third anniversary of such date (the
"Employment Period").

         III. Terms of Employment.

                  A. Position and Duties.

         1. Position. Except with the Executive's written consent given in his
or her discretion, during the Employment Period, (a) the Executive's position
(including status, offices, titles and reporting requirements), authority,
duties and responsibilities shall be at least commensurate in all material
respects with the most significant of those held, exercised and assigned by the
Executive at any time during the 180-day period immediately preceding the
Effective Date and (b) the Executive's services shall be performed from the
location where the

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Executive was employed immediately preceding the Effective Date or at a location
less than 50 miles from such location.

         2. Attention to the Company's Affairs. During the Employment Period,
and excluding any periods of vacation and sick leave to which the Executive is
entitled, the Executive agrees to devote reasonable attention and time during
normal business hours to the business and affairs of the Company and, to the
extent necessary to discharge the responsibilities assigned to the Executive
hereunder, to use the Executive's reasonable efforts to perform faithfully and
efficiently such responsibilities. During the Employment Period it shall not be
a violation of this Agreement for the Executive to (a) serve on corporate, civic
or charitable boards or committees, (b) deliver lectures, fulfill speaking
engagements or teach at educational institutions and (c) manage personal
investments, so long as such activities do not significantly interfere with the
performance of the Executive's responsibilities as an employee of the Company in
accordance with this Agreement. It is expressly understood and agreed that to
the extent that any such activities have been conducted by the Executive prior
to the Effective Date, the continued conduct of such activities (or the conduct
of activities similar in nature and scope thereto) subsequent to the Effective
Date shall not thereafter be deemed to interfere with the performance of the
Executive's responsibilities to the Company.

                  B. Compensation.

         1. Base Salary. During the Employment Period, the Executive shall
receive an annual base salary (the "Annual Base Salary"), which shall be paid
not less often than monthly, at least equal to twelve times the monthly base
salary paid or payable, including any base salary which has been earned but
deferred, to the Executive by the Company and its Affiliates immediately
preceding the month in which the Effective Date occurs. During the Employment
Period, the Annual Base Salary shall be reviewed no more than 12 months after
the last salary increase awarded to the Executive prior to the Effective Date
and thereafter at least annually. In considering any increase to the Executive's
Annual Base Salary, the Executive will be treated in the same manner as other
members of the Company's senior executive team and all senior officers of any
Person in Control of the Company (such other senior executive team members and
senior officers are herein collectively referred to as "Peer Executives"). For
example, if the annual base salaries of the Peer Executives are established by
reference to a percentile of comparative market data, the increase, if any, to
Executive's Annual Base Salary shall be established in a like manner. The annual
Base Salary shall not be reduced after any such increase and the term Annual
Base Salary as utilized in this Agreement shall refer to Annual Base Salary as
so increased. Any increase in Annual Base Salary shall not serve to limit or
reduce any other obligation to the Executive under this Agreement.

         2. Annual Incentive Payment or Bonus. In addition to the Annual Base
Salary, the Executive shall be paid, for each fiscal year ending during the
Employment Period (ratably apportioned in the case of any fiscal year which is
not included within the Employment Period in its entirety), an annual incentive
payment or bonus (the "Annual Incentive Payment") in cash on the same basis as
such incentive payments or bonuses are paid to other Peer Executives. For
example, if annual incentive payments are created for other Peer Executives, the
target award for

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the Executive shall be established in the same manner as the target award for
the other Peer Executives (e.g. by reference to a percentile target based on
comparative market data) and the performance criteria and performance
measurements governing any payment earned by Executive shall be based on the
same performance criteria (such as earnings per share or return of average
capital employed) and performance measurements applied to the other Peer
Executives. Notwithstanding the foregoing, if the payment of a bonus to other
Peer Executives is, in whole or part, not based on objective performance
criteria, Executive's Annual Incentive Payment shall be at least equal to the
average of Executive's Annual Incentive Payments for the last two full fiscal
years prior to the Effective Date or, if Executive was not in the employment of
the Company during any portion of such two full fiscal years, Executive's target
Annual Incentive Payment for the fiscal year in which the Effective Date
occurred (such amount being herein referred to as the "Recent Annual Incentive
Payment"). Special or one-time awards (such as those associated with a new hire
or promotion or relocation bonuses) shall not be taken into account when
computing the Recent Annual Incentive Payment. During the Employment Period, the
Executive's annual target incentive or bonus opportunity shall in no event be
less favorable to the Executive than that provided by the Company to the
Executive under its annual incentive or bonus plans during the fiscal year in
which the Effective Date occurred, provided that any special or one time awards
(such as those associated with a new hire or promotion or relocation bonuses)
shall not be taken into account. Each such Annual Incentive Payment shall be
paid no later than the end of the third month of the fiscal year next following
the fiscal year in respect of which the Annual Incentive Payment is awarded,
unless the Executive shall elect to defer the receipt of such Annual Incentive
Payment.

         3. Stock Incentive Plans. During the Employment Period, the Executive
shall be entitled to participate in any stock incentive, option, performance
share and other stock-based incentive plans (if any) on the same basis as other
Peer Executives. For example, if other Peer Executives are awarded stock options
or restricted stock units or shares based on references to comparative market
data, Executive's awards shall be made on the same basis, and shall, in any
event, contain the same terms and conditions, and if applicable, be subject to
the same performance criteria, as applied to awards to other Peer Executives.
Notwithstanding the foregoing, such long-term incentive opportunities for the
Executive shall in no event be less favorable, in each case and in the
aggregate, than those provided by the Company and its Affiliates for the
Executive during the fiscal year during which the Effective Date occurs,
provided that any special or one-time awards (such as those associated with a
new hire or promotion) shall not be taken into account.

         4. Savings, Retirement and Other Incentive Plans. During the Employment
Period, the Executive shall be entitled to participate in all other incentive,
savings and retirement plans, practices, policies and programs applicable
generally to other Peer Executives, but in no event shall such plans, practices,
policies and programs provide the Executive with incentive opportunities
(measured with respect to both regular and special incentive opportunities, to
the extent, if any, that such distinction is applicable), savings opportunities
and retirement benefit opportunities, in each case, less favorable, in the
aggregate, than the most favorable of those provided for the Executive at any
time during the one year period immediately preceding the Effective Date or if
more favorable to the Executive, those provided generally at any time after

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the Effective Date to other Peer Executives; provided, however, that such
benefits may be reduced pursuant to a general (across-the-board) reduction of
such benefits similarly affecting all Peer Executives.

         5. Welfare Benefit Plans. During the Employment Period, the Executive
and/or the Executive's family, as the case may be, shall be eligible for
participation in and shall receive all benefits under all welfare benefit plans,
practices, policies and programs (including, without limitation, medical,
prescription, dental, disability, employee life, group life, accidental death
and travel accident insurance plans and programs) to the extent applicable
generally to other Peer Executives but in no event shall such plans, practices,
policies and programs provide the Executive with benefits which are less
favorable, in the aggregate, than the most favorable of such plans, practices,
policies and programs in effect for the Executive at any time during the one
year period immediately preceding the Effective Date or, if more favorable to
the Executive, those provided generally at any time after the Effective Date to
other Peer Executives; provided, however, that such benefits may be reduced
pursuant to a general (across-the-board) reduction of such benefits similarly
affecting all Peer Executives.

         6. Expenses. During the Employment Period, the Executive shall be
entitled to receive prompt reimbursement for all reasonable expenses incurred by
the Executive in accordance with the most favorable policies, practices and
procedures of the Company and its Affiliates in effect for the Executive at any
time during the one year period immediately preceding the Effective Date or, if
more favorable to the Executive, as in effect generally at any time thereafter
with respect to other Peer Executives.

         7. Fringe Benefits. During the Employment Period, the Executive shall
be entitled to fringe benefits, including, without limitation, tax and financial
planning services, use or reimbursement for the use of an automobile, and
payment of related expenses, in accordance with the most favorable plans,
practices, programs and policies of the Company and its Affiliates in effect for
the Executive at any time during the one year period immediately preceding the
Effective Date or, if more favorable to the Executive, as in effect generally at
any time thereafter with respect to other Peer Executives; provided, however,
that such benefits may be reduced pursuant to a general (across-the-board)
reduction of such benefits similarly affecting all Peer Executives.

         8. Office and Support Staff. During the Employment Period, the
Executive shall be entitled to an office or offices of a size and with
furnishings and other appointments, and to exclusive personal secretarial and
other assistance, not materially less favorable than that provided to the
Executive by the Company and its Affiliates at any time during the one year
period immediately preceding the Effective Date or, if more favorable to the
Executive, as provided generally at any time thereafter with respect to other
Peer Executives.

         9. Vacation. During the Employment Period, the Executive shall be
entitled to paid vacation and holidays in accordance with the most favorable
plans, policies, programs and practices of the Company and its Affiliates as in
effect for the Executive at any time during the one year period immediately
preceding the Effective Date or, if more favorable to the Executive, as in
effect generally at any time thereafter with respect to other Peer Executives.

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         IV. Termination of Employment.

                  A. Death or Disability. The Executive's employment shall
terminate automatically upon the Executive's death during the Employment Period.
If the Company determines in good faith that the "Disability" of the Executive
has occurred during the Employment Period, it may, give a Notice of Termination
to the Executive in accordance with Sections IV.D. and XI.B. of this Agreement
of its intention to terminate the Executive's employment. In such event, the
Executive's employment with the Company or its Affiliates, as the case may be,
shall terminate effective on the 30th day after receipt of the Notice of
Termination by the Executive (unless such date is extended as provided in
Section IV.F.), provided that, the Executive shall not have returned to
full-time performance of his or her duties within such 30 day notice period. For
purposes of this Agreement, "Disability" shall mean the absence of the Executive
from the Executive's duties with the Company or its Affiliates, as the case may
be, on a full-time basis for 180 consecutive days as a result of incapacity due
to mental or physical illness which is determined to be permanent by a physician
selected by the Company or its insurers and acceptable to the Executive or the
Executive's legal representative.

                  B. Cause. The Company may terminate the Executive's employment
during the Employment Period with or without Cause. For purposes of this
Agreement, "Cause" shall mean:

         1. the willful and continued failure of the Executive to perform
substantially the Executive's material duties with the Company and its
Affiliates (other than any such failure resulting from incapacity due to
physical or mental illness or any such actual or anticipated failure after the
issuance of a Notice of Termination for Good Reason by the Executive pursuant to
Section IV.D. hereof), after a written demand for substantial performance is
delivered to the Executive by the Board which specifically identifies the manner
in which the Board believes that the Executive has not substantially performed
the Executive's duties; or

         2. the willful engaging by the Executive in illegal conduct or gross
misconduct which is materially and demonstrably injurious to the Company or its
Affiliates.

         For purposes of this provision, (a) no act or failure to act on the
part of the Executive shall be considered "willful" unless it is done, or
omitted to be done, by the Executive in bad faith or without reasonable belief
that the Executive's action or omission was in the best interests of the Company
and (b) in the event of a dispute concerning the application of this provision,
no claim by the Company that Cause exists shall be given effect unless the
Company establishes to the Committee (as defined in Section XI.J.) by clear and
convincing evidence that Cause exists. Any act, or failure to act, based upon
authority given pursuant to a resolution duly adopted by the Board or upon the
instructions of the Chief Executive Officer of the Company (if Executive is not
the Chief Executive Officer) or based upon the advice of counsel for the Company
(or if the Executive is counsel to the Company, based upon the Executive's own
legal conclusions) shall be conclusively presumed to be done, or omitted to be
done, by the Executive in good faith and in the best interests of the Company.

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                  C. Good Reason. The Executive's employment during the
Employment Period may be terminated by the Executive with or without Good
Reason. For purposes of this Agreement, "Good Reason" shall mean:

         1. except with Executive's written consent given in his or her
discretion, the assignment to the Executive of any duties inconsistent in any
respect with the Executive's position (including status, offices, titles and
reporting requirements), authority, duties or responsibilities as contemplated
by Section III.A. of this Agreement, or the taking of any other action which
results in a diminution in such position, authority, duties or responsibilities,
excluding for this purpose an isolated, insubstantial or inadvertent action not
taken in bad faith and which is remedied promptly after receipt of notice
thereof given by the Executive;

         2. any failure by the Company (or any successor employer) to comply
with any of the provisions of Section III.B. of this Agreement, other than an
isolated, insubstantial and inadvertent failure not occurring in bad faith and
which is remedied promptly after receipt of notice thereof given by the
Executive;

         3. any requirement that Executive perform Executive's duties at any
location other than as provided in clause III.A.1(b) hereof or that the
Executive travel for business purposes to a substantially greater extent than
required immediately prior to the Effective Date;

         4. any purported termination of the Executive's employment which is not
effected pursuant to a Notice of Termination satisfying the requirements of
Section IV.D hereof and otherwise expressly permitted by this Agreement. For
purposes of this Agreement, no such purported termination shall be effective;

         5. any failure by the Company to comply with and satisfy Section X.C.
of this Agreement; or

         6. any request or requirement that the Executive take any action or
omit to take any action that is inconsistent with or in violation of the
Company's ethical guidelines and policies as the same existed within the 120 day
period prior to the Effective Date or any professional ethical guidelines or
principles that may be applicable to the Executive or, if Executive is counsel
to the Company, requesting or requiring Executive to practice in or under the
laws of any jurisdiction or appear before any court or other tribunal to or
before which Executive is not admitted to practice.

         For purposes of this Section IV.C., any good faith claim of "Good
Reason" made by the Executive shall be presumed to be correct unless the Company
establishes to the Committee by clear and convincing evidence that Good Reason
does not exist. The Executive's right to terminate the Executive's employment
for Good Reason shall not be affected by the Executive's incapacity due to
physical or mental illness. The Executive's continued employment shall not
constitute a consent to, or a waiver of rights with respect to, any act or
failure to act constituting Good Reason hereunder.

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                  D. Notice of Termination. Any purported termination of the
Executive's employment during the Employment Period (other than by reason of
death) shall be communicated by a Notice of Termination given in accordance with
Section XI.B. of this Agreement. For purposes of this Agreement, a "Notice of
Termination" means a written notice which (1) indicates the specific termination
provision in this Agreement relied upon (or that Executive's employment is being
terminated without Cause or by the Executive without Good Reason), (2) to the
extent applicable, sets forth in reasonable detail the facts and circumstances
claimed to provide a basis for termination of the Executive's employment under
the provision so indicated and (3) if the "Date of Termination" (as defined
below) is other than the date of receipt of such notice, specifies the
termination date (which date shall be not more than thirty days after the giving
of such notice). Further, a Notice of Termination for Cause is required to
include a copy of a resolution duly adopted by the affirmative vote of not less
than three-quarters of the entire membership of the Employer's Board at a
meeting of the Employer's Board called and held for such purpose (after
reasonable notice is provided to the Executive and the Executive is given an
opportunity, together with counsel, to be heard before the Employer's Board),
finding that, in the good faith opinion of the Employer's Board, the Executive
is guilty of the conduct described in subparagraph B.1. or B.2. above, and
specifying the particulars thereof in detail. A failure to set forth in the
Notice of Termination any fact or circumstance which contributes to a showing of
Disability, Good Reason or Cause shall not waive any rights hereunder or
preclude the person delivering such from asserting such fact or circumstance in
enforcing rights hereunder;

                  E. Date of Termination. "Date of Termination" means (1) if the
Executive's employment is terminated for Cause, or by the Executive for Good
Reason or any other reason, the date of receipt of the Notice of Termination or
any later date specified therein, as the case may be (subject to extension as
provided in Section IV.F.), (2) if the Executive's employment is terminated
during the Employment Period other than for Cause or Disability, the Date of
Termination shall be the date on which Executive is notified of such
termination, (3) if the Executive's employment is terminated by reason of death
during the Employment Period, the Date of Termination shall be the date of death
of the Executive and (4) if the Executive's employment is terminated for
Disability, the date Executive's employment is terminated as provided in Section
IV.A.; provided, however, that the Date of Termination specified in this Section
E. may be extended to the date of termination (if applicable) provided in
Section IV.F.

                  F. Dispute Concerning Termination. If within fifteen (15) days
after any Notice of Termination is given, or, if later, prior to the Date of
Termination (as determined without regard to this Section IV.F.), the party
receiving such Notice of Termination notifies the other party that a dispute
exists concerning whether a termination has properly been characterized as for
Cause, Good Reason or Disability, the Date of Termination shall be extended
until the earlier of (i) the date on which the Employment Period ends or (ii)
the date on which the dispute is finally resolved, either by mutual written
agreement of the parties or by a final judgment, order or decree of an
arbitrator or a court of competent jurisdiction (which is not appealable or with
respect to which the time for appeal therefrom has expired and no appeal has
been perfected); provided, however, that the Date of Termination shall be
extended by a notice of dispute given

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by the Executive only if such notice is given in good faith and the Executive
pursues the resolution of such dispute with reasonable diligence.

                  G. Compensation During Dispute. If a purported termination
occurs during the Employment Period and the Date of Termination is extended in
accordance with Section IV.F. hereof, Executive shall continue to receive the
full compensation in effect when the notice giving rise to the dispute was given
(including, but not limited to, salary) and the Executive shall continue as a
participant in all compensation, benefit and insurance plans in which the
Executive was participating when the notice giving rise to the dispute was given
until the Date of Termination, as determined in accordance with Section IV.F.
hereof.

                  H. Pre-Effective Date Actions. For purposes of this Agreement,
the Executive's employment shall be deemed to have been terminated during the
Employment Period by the Company without Cause or by the Executive with Good
Reason, if (i) the Executive's employment is terminated by the Company without
Cause prior to the Effective Date (whether or not a Business Combination ever
occurs) and such termination was at the request or direction of a Person who has
entered into an agreement (or a non-binding letter of intent or similar
instrument) with the Company the consummation of which would constitute a
Business Combination, (ii) the Executive terminates his or her employment for
Good Reason prior to the Effective Date (whether or not a Business Combination
ever occurs) and the circumstance or event which constitutes Good Reason occurs
at the request or direction of such a Person, or (iii) the Executive's
employment is terminated by the Company without Cause or by the Executive for
Good Reason and such termination or the circumstance or event which constitutes
Good Reason is otherwise in connection with or in anticipation of a Business
Combination (whether or not a Business Combination ever occurs). For purposes of
any determination regarding the applicability of the immediately preceding
sentence, any position taken by the Executive shall be presumed to be correct
unless the Company establishes to the Committee by clear and convincing evidence
that such position is not correct.

         V. Post-Termination Obligations.

                  A. Good Reason; Other Than for Cause. If, during the
Employment Period, Executive's employment shall be terminated other than for
Cause, Disability or by reason of the death of the Executive or if the Executive
shall terminate employment for Good Reason:

         1. the Company shall pay to the Executive in a lump sum in cash within
5 days after the Date of Termination the aggregate of the following amounts:

                  (a) the sum of (i) the Executive's Annual Base Salary through
the Date of Termination to the extent not theretofore paid, (ii) any Annual
Incentive Payment paid or payable in respect of the most recently completed
fiscal year of the Company, to the extent such amount is determinable and not
theretofore paid and (iii), unless otherwise specified by Executive or
prohibited by the terms of any deferral agreement, any compensation previously
deferred by the Executive (together with any accrued interest or earnings
thereon) and any accrued vacation pay, in each case to the extent not
theretofore paid (the sum of the amounts described in clauses (i),

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(ii) and (iii) shall be hereinafter referred to as the "Accrued Obligations").
In the event the Executive's Annual Incentive Payment is not determinable on the
Date of Termination, such Annual Incentive Payment shall be paid to the
Executive, in a lump sum in cash, within five days after the date the amount of
such Payment is determinable; and

                  (b) an amount equal to the product of (i) three and (ii) the
sum of (x) the Executive's Annual Base Salary as of the Date of Termination and
(y) the higher of (A) the Recent Annual Incentive Payment and (B) the
Executive's target Annual Incentive Payment for the fiscal year in which the
Date of Termination occurs; and

                  (c) an amount equal to the product of three times the higher
of (i) the sum of the amounts that would have been contributed based on the
Reference Amount (defined below) to the Executive's account under (x) all
retirement plans in which the Executive was eligible to participate immediately
prior to the Effective Date and (y) any excess or supplemental retirement plan
in which the Executive was eligible to participate as of the Effective Date (the
"ERISA Excess Plan") (the ERISA Excess Plan and such retirement plans, as
amended, and any successor or replacement plans being referred to as the
"Plans") as the Plans were in effect and funded for the fiscal year immediately
preceding the Effective Date or (ii) the sum of the amounts that would have been
contributed based on the Reference Amount, to the Plans in which the Executive
was eligible to participate immediately prior to the Date of Termination as
those Plans were in effect and funded for the fiscal year immediately preceding
the Date of Termination. For the purposes hereof, the term "Reference Amount"
shall mean an amount equal to one-third of the amount calculated in clause
V.A.1.(b).

         2. for three years after the Executive's Date of Termination, or such
longer period as may be provided by the terms of the appropriate plan, program,
practice or policy, the Executive and/or the Executive's family shall continue
to receive benefits at least equal to those which would have been provided to
them in accordance with the plans, programs, practices and policies described in
Section III.B.5. of this Agreement if the Executive's employment had not been
terminated or, if more favorable to the Executive, as in effect generally at any
time thereafter with respect to other Peer Executives; provided, however, that
if the Executive becomes re-employed with another employer and is eligible to
receive medical or other welfare benefits under another employer provided plan,
the medical and other welfare benefits described herein shall be secondary and
supplemental to those provided under such other plan during such applicable
period of eligibility. For purposes of determining eligibility (but not the time
of commencement of benefits) of the Executive for retiree welfare benefits
pursuant to such plans, practices, programs and policies, the Executive shall be
considered to have remained employed until three years after the Date of
Termination and to have retired on the last day of such period as a qualified
retiree;

         3. immediately following the Executive's Date of Termination and, if a
Change of Control shall earlier occur, immediately following the Change of
Control, the Company shall take all such action as may be required fully and
immediately (but without duplication of benefits under this Section V.A.3.) to:

                                       11
<PAGE>
                  (a) vest all outstanding, unvested options that may have been
granted to the Executive under the Company's stock incentive plan or any
successor or replacement plan (the "SIP") and permit the Executive a period
equal to the lesser of five years following that Date of Termination or the
remaining term of the applicable options to exercise such options in accordance
with the provisions of the SIP and any applicable award agreement (as modified
or amended as a result of the actions required by this clause);

                  (b) vest all other restricted shares, restricted stock units
or SARs theretofore granted the Executive under the SIP or any other
equity-based compensation plan (except as may be specifically provided in any
given award agreement); and

                  (c) in the case that the Company is not the surviving
corporation in a Transaction, to provide the Executive with the economic
equivalent of the value that the Executive would have received had the Company
been the surviving corporation of the Transaction and taken the actions required
in clauses (a) and (b) hereof.

         4. the Company shall, at its sole expense as incurred, provide the
Executive with out-placement services the scope and provider of which shall be
selected by the Executive in his or her sole discretion; and

         5. to the extent not theretofore paid or provided, the Company shall
timely pay or provide to the Executive any other amounts or benefits required to
be paid or provided to the Executive or which the Executive is eligible to
receive under any plan, program, policy or practice or contract or agreement of
the Company and its Affiliates (such other amounts and benefits shall be
hereinafter referred to as the "Other Benefits").

                  B. Death. If the Executive's employment is terminated by
reason of the Executive's death during the Employment Period, this Agreement
shall terminate without further obligations to the Executive's legal
representatives under this Agreement, other than for payment of Accrued
Obligations and the timely payment or provision of Other Benefits. Accrued
Obligations shall be paid to the Executive's estate or beneficiary, as
applicable, in a lump sum in cash within 30 days of the Date of Termination.
With respect to the provision of Other Benefits, the term Other Benefits as
utilized in this Section V.B. shall include, without limitation, and the
Executive's estate and/or beneficiaries shall be entitled to receive, benefits
at least equal to the most favorable benefits provided to the estates and
beneficiaries of Peer Executives under such plans, programs, practices and
policies relating to death benefits, if any, as in effect with respect to other
Peer Executives and their beneficiaries at any time during the one year period
immediately preceding the Effective Date or, if more favorable to the
Executive's estate and/or the Executive's beneficiaries, as in effect on the
date of the Executive's death with respect to other Peer Executives and their
beneficiaries.

                  C. Disability. If the Executive's employment is terminated by
reason of the Executive's Disability during the Employment Period, this
Agreement shall terminate without further obligations to the Executive, other
than for payment of Accrued Obligations and the timely payment or provision of
Other Benefits. Accrued Obligations shall be paid to the

                                       12
<PAGE>
Executive in a lump sum in cash within 30 days of the Date of Termination. With
respect to the provision of Other Benefits, the term Other Benefits as utilized
in this Section V.C. shall include, and the Executive shall be entitled after
the Date of Termination to receive, disability and other benefits at least equal
to the most favorable of those generally provided to disabled Peer Executives
and/or their families in accordance with such plans, programs, practices and
policies relating to disability, if any, as in effect generally with respect to
other Peer Executives and their families at any time during the one year period
immediately preceding the Effective Date or, if more favorable to the Executive
and/or the Executive's family, as in effect at any time thereafter generally
with respect to other Peer Executives and their families

                  D. Cause; Other than for Good Reason. If the Executive's
employment shall be terminated for Cause during the Employment Period, this
Agreement shall terminate without further obligations to the Executive other
than the obligation to pay to or provide the Executive with (1) his or her
Annual Base Salary through the Date of Termination, (2) the amount of any
compensation previously deferred by the Executive and (3) Other Benefits, in
each case to the extent theretofore unpaid. If the Executive terminates
employment during the Employment Period, excluding a termination for Good Reason
or Disability, this Agreement shall terminate without further obligations to the
Executive, other than for Accrued Obligations and the timely payment or
provision of Other Benefits. In such case, all Accrued Obligations shall be paid
to the Executive in a lump sum in cash within 30 days of the Date of
Termination.

         VI. Non-exclusivity of Rights.

                  Nothing in this Agreement shall prevent or limit the
Executive's continuing or future participation in any plan, program, policy or
practice for which the Executive may qualify, nor, subject to Section XI.F.,
shall anything herein limit or otherwise affect such rights as the Executive may
have under any other contract or agreement with the Company or any of its
Affiliates. Amounts which are vested benefits or which the Executive is
otherwise entitled to receive under any plan, policy, practice or program of or
any contact or agreement with the Company or any of its Affiliates or subsequent
to the Date of Termination shall be payable in accordance with such plan,
policy, practice or program or contract or agreement except as explicitly
modified by this Agreement.

         VII. Full Settlement.

                  The payment and performance obligations provided for in this
Agreement shall not be affected by any set-off, counterclaim, recoupment,
defense or other claim, right or action which may be assertable against the
Executive or others. In no event shall the Executive be obligated to seek other
employment or take any other action by way of mitigation of the amounts payable
to the Executive under any of the provisions of this Agreement and, except as
specifically provided in Section V.A.2. hereof, such amounts shall not be
reduced whether or not the Executive obtains other employment. The Company
agrees to pay as incurred, to the full extent permitted by law, all legal fees
and expenses which the Executive may incur in good faith as a result of any
contest (regardless of the outcome thereof) by the Company, the Executive or
others of the validity or enforceability of, or liability under, any provision
of this Agreement or

                                       13
<PAGE>
any guarantee of performance thereof (including as a result of any contest by
the Executive about the amount of any payment pursuant to this Agreement), plus
in each case interest on any delayed payment at the applicable Federal rate
provided for in Section 7872(f)(2)(A) of the Internal Revenue Code of 1986, as
amended (the "Code"). Such payments shall be made within five (5) business days
after delivery of the Executive's written requests for payment accompanied with
such evidence of fees and expenses incurred as the Company reasonably may
require.

         VIII. Certain Additional Payments.

                  A. Anything in this Agreement to the contrary notwithstanding
and except as set forth below, in the event it shall be determined that any
payment or benefit received or to be received by the Executive (whether paid or
payable or distributed or distributable pursuant to the terms of this Agreement
or any other plan, arrangement or agreement with the Company, any Person whose
actions result in a Business Combination or any Person Affiliated with the
Company or such Person, but determined without regard to any additional payments
required under this Section VIII) (collectively, a "Payment") would be subject
to the excise tax imposed by Section 4999 of the Code (or any successor section)
or any interest or penalties are incurred by the Executive with respect to such
excise tax (any such tax, together with any such interest and penalties, are
hereinafter collectively referred to as the "Excise Tax"), then the Executive
shall be entitled to receive an additional payment (a "Gross-Up Payment") in an
amount such that after payment by the Executive of all taxes (including any
interest or penalties imposed with respect to such taxes), including, without
limitation, any income taxes (and any interest and penalties imposed with
respect thereto) and Excise Tax imposed upon the Gross-Up Payment, the Executive
retains an amount of the Gross-Up Payment equal to the Excise Tax imposed upon
the Payments. Notwithstanding the foregoing provisions of this Section VIII.A.,
if it shall be determined that the Executive is entitled to a Gross-Up Payment,
but that the Executive, after taking into account the Payments and the Gross-Up
Payment, would not receive a net after-tax benefit of at least $50,000 (taking
into account both income taxes and any Excise Tax) as compared to the net
after-tax benefit the Executive would receive if the Gross-Up Payment were
eliminated and the Payments were reduced, in the aggregate, to an amount (the
"Reduced Amount") such that the receipt of Payments would not give rise to any
Excise Tax, then no Gross-Up Payment shall be made to the Executive and the
Payments, in the aggregate, shall be reduced to the Reduced Amount. For purposes
of determining whether any of the Payments will be subject to the Excise Tax and
the amount of such Excise Tax, (i) all of the Payments shall be treated as
"parachute payments" (within the meaning of Section 280G(b) of the Code) unless,
in the opinion of tax counsel ("Tax Counsel") reasonably acceptable to the
Executive and selected by the Accounting Firm (as defined below), such payments
or benefits (in whole or in part) do not constitute parachute payments,
including by reason of Section 280G(b)(4)(A) of the Code, (ii) all "excess
parachute payments" within the meaning of Section 280G(b)(1) of the Code shall
be treated as subject to the Excise Tax unless, in the opinion of Tax Counsel,
such excess parachute payments (in whole or in part) represent reasonable
compensation for services actually rendered (within the meaning of Section
280G(b)(4)(B) of the Code) in excess of the "base amount" (as defined in Section
280G(b)(3) of the Code) allocable to such reasonable compensation, or are
otherwise not subject to the Excise Tax, and (iii) the value of any non-cash
benefits or any deferred payment or benefit shall be determined by the
Accounting Firm in

                                       14
<PAGE>
accordance with the principals of Sections 280G(d)(3) and (4) of the Code. For
purposes of determining the amount of the Gross-Up Payment, the Executive shall
be deemed to pay federal income tax at the highest marginal rate of federal
income taxation in the calendar year in which the Gross-Up Payment is to be made
and state and local income taxes at the highest marginal rate of taxation in the
state and locality of Executive's residence (or, if higher, the state and
locality of Executive's employment) on the Date of Termination (or if there is
no Date of Termination, then the date on which the Gross-Up Payment is
calculated for purposes of this Section VIII.A.), net of the maximum reduction
in federal income taxes which could be obtained from deduction of such state and
local taxes.

                  B. Subject to the provisions of Section VIII.C., all
determinations required to be made under this Section VIII, including whether a
Gross-Up Payment is required and the amount of such Gross-Up Payment and the
assumptions to be utilized in arriving at such determination, shall be made by
Ernst & Young or such other certified public accounting firm as may be
designated by the Executive (the "Accounting Firm") which shall provide detailed
supporting calculations both to the Company and the Executive within 15 business
days of the receipt of notice from the Executive that a Payment has been made or
will be required, as the case may be, or such earlier time as is requested by
the Company. In the event that the Accounting Firm is serving as accountant or
auditor for the Person or group of Persons effecting a Business Combination, the
Executive shall appoint another nationally recognized accounting firm to make
the determinations required hereunder (which accounting firm shall then be
referred to as the Accounting Firm hereunder). All fees and expenses of the
Accounting Firm shall be borne solely by the Company. Any Gross-Up Payment, as
determined pursuant to this Section VIII., shall be paid by the Company to the
Executive within five days of the receipt of the Accounting Firm's
determination. Any determination by the Accounting Firm shall be binding upon
the Company and the Executive. As a result of the uncertainty in the application
of Section 4999 of the Code at the time of the initial determination by the
Accounting Firm hereunder, it is possible that Gross-Up Payments which will not
have been made by the Company should have been made ("Underpayment") consistent
with the calculations required to be made hereunder. In the event that the
Company exhausts its remedies pursuant to Section VIII.C. and the Executive
thereafter is required to make a payment of any Excise Tax, the Accounting Firm
shall determine the amount of the Underpayment that has occurred and any such
Underpayment shall be promptly paid by the Company to or for the benefit of the
Executive.

                  C. The Executive shall notify the Company in writing of any
claim by the Internal Revenue Service that, if successful, would require the
payment by the Company of the Gross-Up Payment. Such notification shall be given
as soon as practicable but no later than ten business days after the Executive
is informed in writing of such claim and shall apprise the Company of the nature
of such claim and the date on which such claim is requested to be paid. The
Executive shall not pay such claim prior to the expiration of the 30-day period
following the date on which he or she gives such notice to the Company (or such
shorter period ending on the date that any payment of taxes with respect to such
claim is due). If the Company notifies the Executive in writing prior to the
expiration of such period that it desires to contest such claim, the Executive
shall:

                                       15
<PAGE>
         1. give the Company any information reasonably requested by the Company
relating to such claim;

         2. take such action in connection with contesting such claim as the
Company shall reasonably request in writing from time to time, including,
without limitation, accepting legal representation with respect to such claim by
an attorney reasonably selected by the Company;

         3. cooperate with the Company in good faith in order to effectively
contest such claim; and

         4. permit the Company to participate in any proceedings relating to
such claim; provided, however, that the Company shall bear and pay directly all
costs and expenses (including additional interest and penalties) incurred in
connection with such contest and shall indemnify and hold the Executive
harmless, on an after-tax basis, for any Excise Tax or income tax (including
interest and penalties with respect thereto) imposed as a result of such
representation and payment of costs and expenses. Without limitation on the
foregoing provisions of this Section VIII.C., the Company shall control all
proceedings taken in connection with such contest and, at its sole option, may
pursue or forego any and all administrative appeals, proceedings, hearings and
conferences with the taxing authority in respect of such claim and may, at its
sole option, either direct the Executive to pay the tax claimed and sue for a
refund or contest the claim in any permissible manner, and the Executive agrees
to prosecute such contest to a determination before any administrative tribunal,
in a court of initial jurisdiction and in one or more appellate courts, as the
Company shall determine; provided, further, however, that if the Company directs
the Executive to pay such claim and sue for a refund, the Company shall advance
the amount of such payment to the Executive, on an interest-free basis and shall
indemnify and hold the Executive harmless, on an after-tax basis, from any
Excise Tax or income tax (including interest and penalties with respect thereto)
imposed with respect to such advance or with respect to any imputed income with
respect to such advance; and further provided that any extension of the statute
of limitations relating to payment of taxes for the taxable year of the
Executive with respect to which such contested amount is claimed to be due is
limited solely to such contested amount. Furthermore, the Company's control of
the contest shall be limited to issues with respect to which a Gross-Up Payment
would be payable hereunder and the Executive shall be entitled to settle or
contest, as the case may be, any other issue raised by the Internal Revenue
Service or any other taxing authority.

                  D. If, after the receipt by the Executive of an amount
advanced by the Company pursuant to Section VIII.C., the Executive becomes
entitled to receive any refund with respect to such claim, the Executive shall
(subject to the Company's complying with the requirements of Section VIII.C.)
promptly pay to the Company the amount of such refund (together with any
interest paid or credited thereon after taxes applicable thereto). If, after the
receipt by the Executive of any amount advanced by the Company pursuant to
Section VIII.C., a determination is made that the Executive shall not be
entitled to any refund with respect to such claim and the Company does not
notify the Executive in writing of its intent to contest such denial of refund
prior to the expiration of 30 days after such determination, then such advance

                                       16
<PAGE>
shall be forgiven and shall not be required to be repaid and the amount of such
advance shall offset, to the extent thereof, the amount of Gross-Up Payment
required to be paid.

                  E. The Gross-Up Payment shall be made not later than the fifth
day following the Date of Termination; provided, however, that if the amount of
such Gross-Up Payment, and the limitation on such payments set forth in Section
VIII.A. hereof, cannot be finally determined on or before such day, the Company
shall pay to the Executive on such day an estimate, as determined in good faith
by the Accounting Firm, of the minimum amount of such Gross-Up Payment to which
the Executive is clearly entitled and shall pay the remainder of such payments
(together with interest on the unpaid remainder (or on all such payments to the
extent the Company fails to make such payments when due) at 120% of the rate
provided in section 1274(b)(2)(B) of the Code) as soon as the amount thereof can
be determined but in no event later than the thirtieth (30th) day after the Date
of Termination. In the event that the amount of the estimated payments exceeds
the amount subsequently determined to have been due, such excess shall
constitute a loan by the Company to the Executive, payable on the fifth (5th)
business day after demand by the Company (together with interest at 120% of the
rate provided in section 1274(b)(2)(B) of the Code). At the time that payments
are made under this Agreement, the Company shall provide the Executive with a
written statement setting forth the manner in which such payments were
calculated and the basis for such calculations including, without limitation,
any opinions or other advice the Company has received from Tax Counsel, the
Accounting Firm or other advisors or consultants (and any such opinions or
advice which are in writing shall be attached to the statement).

         IX. Confidential Information.

                  During the term of this Agreement and for a period of three
(3) years thereafter, Executive will retain in confidence all proprietary and
confidential information concerning the Company and its Affiliates, including,
without limitation, customer lists, cost and pricing information, employee data,
trade secrets and software and, shall return to the Company or destroy all
copies and extracts thereof (however and on whatever medium recorded), without
keeping any copies thereof. The foregoing obligation with respect to the
protection of confidential information shall not apply to (A) any information
which was known to the Executive prior to disclosure to the Executive by the
Company, Deluxe or any of the Company's Affiliates; (B) any information which
was in the public domain prior to its disclosure to the Executive; (C) any
information which comes into the public domain through no fault of the
Executive; (D) any information which the Executive is required to disclose by a
court or similar authority or under subpoena, provided that the Executive
provides the Company with notice thereof and assists, at the Company's sole
expense, any reasonable endeavor by the Company, using appropriate means, to
obtain a protective order limiting the disclosure of such information; and (E)
any information which is disclosed to the Executive by a third party which has a
legal right to make such disclosure. In no event shall an asserted violation of
the provisions of this Section IX. constitute a basis for deferring or
withholding any amounts otherwise payable to the Executive under this Agreement.

         X. Successors.

                                       17
<PAGE>
                  A. This Agreement is personal to the Executive and without the
prior written consent of the Company shall not be assignable by the Executive
otherwise than by will or the laws of descent and distribution. This Agreement
shall inure to the benefit of and be enforceable by the Executive's legal
representatives. If the Executive shall die while any amount would still be
payable to the Executive hereunder (other than amounts which, by their terms,
terminate upon the death of the Executive) if the Executive had continued to
live, all such amounts, unless otherwise provided herein, shall be paid in
accordance with the terms of this Agreement to the executors, personal
representatives or administrators of the Executive's estate.

                  B. This Agreement shall inure to the benefit of and be binding
upon the Company and its successors and assigns.

                  C. The Company will require any successor (whether direct or
indirect, by purchase, merger, consolidation or otherwise) to all or
substantially all of the business and/or assets of the Company to assume
expressly and agree to perform this Agreement in the same manner and to the same
extent that the Company would be required to perform it if no such succession
had taken place. Failure of the Company to obtain such assumption and agreement
prior to the effectiveness of any such succession shall be a breach of this
Agreement and shall entitle the Executive to compensation from the Company in
the same amount and on the same terms as the Executive would be entitled to
hereunder if the Executive were to terminate the Executive's employment for Good
Reason after the Effective Date, except that, for purposes of implementing the
foregoing, the date on which any such succession becomes effective shall be
deemed the Date of Termination. As used in this Agreement, "Company" shall mean
the Company as hereinbefore defined and any successor to its business and/or
assets as aforesaid which assumes and agrees to perform this Agreement by
operation of law, or otherwise.

         XI. Miscellaneous.

                  A. This Agreement shall be governed by and construed in
accordance with the laws of the State of Delaware, without reference to
principles of conflict of laws. The captions of this Agreement are not part of
the provisions hereof and shall have no force or effect. This Agreement may not
be amended or modified otherwise than by a written agreement executed by the
parties hereto or their respective successors and legal representatives.

                  B. All notices and other communications hereunder shall be
addressed as follows:

                  If to the Executive:
                  Paul W. Finch Jr.
                  8419 E. Cortez
                  Scottsdale, AZ 85260
                  Telecopy:  N/A

                                       18
<PAGE>
                  If to the Company:
                  eFunds Corporation
                  7272 East Indian School Road
                  Suite 420
                  Scottsdale, AZ  85251
                  Telecopy: 602-659-2161
                  Attn:  General Counsel

or to such other address as either party shall have furnished to the other in
writing in accordance herewith. Notice and communications shall be in writing
and shall be effective five days after mailing, if sent by first class mail,
postage prepaid to the address set forth above, two business days after mailing
if sent by priority or overnight courier (next business day delivery) or upon
transmission if sent by telecopy, with receipt of the correct answer back.

                  C. The invalidity or unenforceability of any provision of this
Agreement shall not affect the validity or enforceability of any other provision
of this Agreement.

                  D. The Company may withhold from any amounts payable under
this Agreement such Federal, state, local or foreign taxes as shall be required
to be withheld pursuant to any applicable law or regulation.

                  E. The Executive's or the Company's failure to insist upon
strict compliance with any provision of this Agreement or the failure to assert
any right the Executive or the Company may have hereunder, including, without
limitation, the right of the Executive to terminate employment for Good Reason
pursuant to Section IV.C. of this Agreement, shall not be deemed to be a waiver
of such provision or right or any other provision or right of this Agreement.

                  F. The Executive and the Company acknowledge that, except as
may otherwise be provided under any other written agreement between the
Executive and the Company, the employment of the Executive by the Company is "at
will" and, subject to Section IV.H. hereof, prior to the Effective Date, the
Executive's employment may be terminated by either the Executive or the Company
at any time prior to the Effective Date, in which case the Executive shall have
no further rights under this Agreement, provided that nothing herein shall be
construed to limit or prevent the Executive from receiving compensation and
benefits from the Company or its Affiliates that are customarily paid and
provided other Peer Executives who leave the employment of the Company or any of
its Affiliates or which may be payable to the Executive pursuant to the
severance provisions of any employment offer letter or severance agreement
between the Executive and the Company. From and after the Effective Date, this
Agreement shall supersede any other agreement between the parties with respect
to the subject matter hereof (e.g., benefits accruing to the Executive upon
termination of employment following a Business Combination), including the
severance provisions of any such offer letter or severance agreement.

                                       19
<PAGE>
                  G. The obligations of the Company and the Executive under this
Agreement which by their nature may require either partial or total performance
after the expiration of the term of this Agreement (including, without
limitation, those under Section V. hereof) shall survive such expiration.

                  H. All claims by the Executive for benefits under this
Agreement shall be directed to and determined by the Committee and shall be in
writing. Any denial by the Committee of a claim for benefits under this
Agreement shall be delivered to the Executive in writing and shall set forth the
specific reasons for the denial and the specific provisions of this Agreement
relied upon. The Committee shall afford a reasonable opportunity to the
Executive for a review of the decision denying a claim and shall further allow
the Executive to appeal to the Committee a decision of the Committee within
sixty (60) days after notification by the Committee that the Executive's claims
has been denied.

                  I. Notwithstanding any other provision in this Agreement to
the contrary, the Board shall delegate the responsibilities, duties and powers
specified under this Agreement to be observed or performed by the "Committee" to
a committee (the "Committee") consisting of not less than three individuals who
were directors of the Company ("Incumbent Directors") before any Business
Combination; provided, however, that in the event that fewer than three
Incumbent Directors are available at the time of such delegation or thereafter,
the Committee's members may include such individual or individuals as may be
appointed by the Incumbent Directors; and provided, further, however, the
maximum number of individuals (including directors) appointed to the Committee
shall not exceed five.

         IN WITNESS WHEREOF, the Executive has hereunto set the Executive's hand
and, pursuant to the authorization from the Board, the Company has caused these
presents to be executed in its name on its behalf, all as of the day and year
first above written.

eFunds Corporation                                Executive

By:  /s/ John A. Blanchard III               By:     /s/ Paul W. Finch, Jr.
    ---------------------------------            -------------------------------
      John A. Blanchard III                             Paul W. Finch, Jr.
Its:  Chief Executive Officer

                                       20<PAGE>

                                                                  EXHIBIT 10.41A

                      THE CIT GROUP/ BUSINESS CREDIT, INC.
                       300 South Grand Avenue, Third Floor
                          Los Angeles, California 90071

                                   Dated as of
                               September 26, 2001

                Re: Amendment Number Three to Financing Agreement

SIMULA, INC. AND SUBSIDIARIES
2700 North Central Avenue, Suite 1000
Phoenix, Arizona  85004

Gentlemen:

Reference is made to the Financing Agreement between The CIT Group/Business
Credit, Inc. as lender thereunder ("CITBC"), and Simula, Inc. and its
subsidiaries, as borrowers thereunder (collectively, the "Companies"), dated as
of December 31, 1999, as the same may be amended from time to time (the
"Financing Agreement"). Capitalized terms used herein and not otherwise defined
herein shall have the meanings ascribed to such terms in the Financing
Agreement.

The Companies and CITBC wish to amend certain provisions of the Financing
Agreement.

Therefore, pursuant to mutual agreement, it is hereby agreed as follows:

I.       AMENDMENT TO ADD DEFINITION OF ALLIED. Section 1 of the Financing
Agreement is hereby amended to add the following:

                  ALLIED shall mean Allied Capital Corporation, a Maryland
                  corporation.

II.      AMENDMENT TO ADD DEFINITION OF ALLIED DEBT. Section 1 of the Financing
Agreement is hereby amended to add the following:

                  ALLIED DEBT shall mean the Indebtedness of Companies to Allied
                  arising in connection with the Allied Loan Documents.

III.     AMENDMENT TO ADD DEFINITION OF ALLIED LOAN DOCUMENTS. Section 1 of the
Financing Agreement is hereby amended to add the following:

                  ALLIED LOAN DOCUMENTS shall mean that certain Loan Agreement,
                  dated September 26, 2001, among Allied and the Companies, and
                  the other Loan Documents as defined therein.
<PAGE>
IV.      AMENDMENT TO DEFINITION OF ANNIVERSARY DATE. The definition of
Anniversary Date set forth in Section 1 of the Financing Agreement is hereby
amended and replaced in its entirety by the following:

                  ANNIVERSARY DATE shall mean September 30, 2003.

V.       AMENDMENT TO DEFINITION OF CHANGE OF CONTROL. Change of Control shall
have the definition set forth in the Allied Loan Documents as of the date of
original execution thereof.

VI.      AMENDMENT TO ADD DEFINITION OF DCI CAPITAL EXPENDITURES. Section 1 of
the Financing Agreement is hereby amended to add the following:

                  DCI CAPITAL EXPENDITURES means Capital Expenditures made in
                  connection with the manufacture, implementation and production
                  of distributed charge inflators.

VII.     AMENDMENT TO ADD DEFINITION OF DCI CAPITALIZED LEASE OBLIGATIONS.
Section 1 of the Financing Agreement is hereby amended to add the following:

                  DCI CAPITALIZED LEASE OBLIGATIONS means capitalized lease
                  obligations incurred in connection with the manufacture,
                  implementation and production of distributed charge inflators.

VIII.    AMENDMENT TO DEFINITION OF EARLY TERMINATION FEE. The definition of
Early Termination Fee set forth in Section 1 of the Financing Agreement is
hereby amended and replaced in its entirety by the following:

                  EARLY TERMINATION FEE shall: i) mean the fee CITBC is entitled
                  to charge the Companies in the event they terminate the Line
                  of Credit or this Financing Agreement on a date prior to an
                  Anniversary Date; and ii) be determined by multiplying the
                  Line of Credit by (a) one and three-fourths percent (1.75%) if
                  the Early Termination Date occurs prior to September 30, 2002;
                  and (b) one percent (1.0%) if the Early Termination Date
                  occurs thereafter.

IX.      AMENDMENT TO DEFINITION OF EBITDA. The definition of EBITDA set forth
in Section 1 of the Financing Agreement is hereby amended and replaced in its
entirety by the following:

                  EBITDA shall mean, for the period in question, the sum of (a)
                  the after-tax net income (or loss) of the Companies on a
                  consolidated basis for such period determined in accordance
                  with GAAP, plus (b) to the extent deducted in determining such
                  after-tax net income, the sum of (i) Interest Expense during
                  such period, plus (ii) all provisions for any federal, state,
                  local and/or foreign income taxes made by the Companies during
                  such period (whether paid or deferred), plus (iii) all
                  depreciation and amortization expenses of the Companies during
                  such period, plus (iv) any extraordinary losses during such
                  period, plus (v) any losses incurred in connection with the
                  repayment in full on or about the date hereof of the
                  Companies' obligations owing to LLCP, including accrued
                  interest, fees and costs in connection

                                       2
<PAGE>
                  therewith, plus (vi) any losses from the sale or other
                  disposition of property other than in the ordinary course of
                  business during such period, plus (vii) all non-cash expenses
                  during such period arising from the use of capital stock of
                  Parent to pay compensation minus (c) to the extent added in
                  determining such after-tax net income, the sum of (i) any
                  extraordinary gains during such period, plus (ii) any gains
                  from the sale or other disposition of property other than in
                  the ordinary course of business during such period, plus (iii)
                  any revenue realized by the Companies in respect of settlement
                  payments received pursuant to that certain Settlement
                  Agreement dated as of September 27, 2000 among certain
                  Companies and Autoliv AB, Autoliv GmbH, Autoliv France SNC,
                  Autoliv ASP, Inc., Autoliv North America, Inc. and Autoliv,
                  Inc., plus (iv) any sale price adjustments made by any Company
                  in respect of components sold pursuant to such Settlement
                  Agreement, all determined in accordance with GAAP; provided,
                  however, that notwithstanding the foregoing, for the fiscal
                  quarters ending March 31, 2001 and June 30, 2001, EBITDA for
                  such fiscal quarters shall be deemed to be $3,802,000 and
                  $4,382,000, respectively.

X.       AMENDMENT TO ADD DEFINITION OF EXCESS CASH FLOW.

                  EXCESS CASH FLOW means for any Fiscal Year EBITDA of the
                  Companies for such Fiscal Year minus the sum of the following:
                  (i) all provisions for any federal, state, local and/or
                  foreign income taxes made by any Company during such Fiscal
                  Year (whether paid or deferred), (ii) unfinanced Capital
                  Expenditures of the Companies during such Fiscal Year, (iii)
                  scheduled principal payments with respect to Indebtedness
                  actually paid in cash (including the principal portion of
                  scheduled payments of capitalized lease obligations but
                  excluding mandatory prepayments required under the Allied Loan
                  Documents and excluding principal payments on the Revolving
                  Loans) during such Fiscal Year (iv) Interest Expense for such
                  year, and (v) the aggregate of all voluntary prepayments of
                  the Allied Indebtedness made during such year in accordance
                  with the terms of the Allied Loan Documents.

XI.      AMENDMENT TO DEFINITION OF INDEBTEDNESS. The definition of Indebtedness
set forth in Section 1 of the Financing Agreement is hereby amended and replaced
in its entirety by the following:

                  INDEBTEDNESS shall mean, as of the date of determination
                  thereof, the sum of, without duplication, (a) all indebtedness
                  for borrowed money, plus (b) all indebtedness which has been
                  incurred in connection with the purchase or other acquisition
                  of property (other than unsecured trade accounts payable
                  incurred in the ordinary course of business), plus (c) all
                  capitalized lease obligations, plus (d) notes payable and
                  drafts accepted representing extensions of credit whether or
                  not representing obligations for borrowed money; plus (e)
                  "earnouts" and similar payment obligations; plus, (f) all
                  indebtedness secured by any Lien regardless of whether the
                  indebtedness secured thereby shall have been assumed or is
                  non-recourse, plus (g) the aggregate undrawn face amount of
                  all letters of credit together with all unreimbursed drawings
                  with respect thereto plus (h) all guarantees of Indebtedness
                  of others; provided, however,

                                       3
<PAGE>
                  that the unsecured guarantee by any Company of any other
                  Company's obligations shall not constitute Indebtedness to the
                  extent such underlying obligations constitute Indebtedness.

XII.     AMENDMENT TO DEFINITION OF INTERCREDITOR AGREEMENT. The definition of
Intercreditor Agreement set forth in Section 1 of the Financing Agreement is
hereby amended and replaced in its entirety by the following:

                  INTERCREDITOR AGREEMENT shall mean that certain Intercreditor
                  Agreement, dated on or about September 24, 2001, between CITBC
                  and Allied.

XIII.    AMENDMENT TO DEFINITION OF REVENUE IN EXCESS OF BILLING ADVANCE
PERCENTAGE. The definition of Revenue in Excess of Billing Advance Percentage
set forth in Section 1 of the Financing Agreement is hereby amended and replaced
in its entirety by the following:

                  REVENUE IN EXCESS OF BILLING ADVANCE PERCENTAGE shall mean
                  forty percent (40%).

XIV.     AMENDMENT TO DEFINITION OF REVENUE IN EXCESS OF BILLING LOAN CAP. The
definition of Revenue in Excess of Billing Loan Cap set forth in Section 1 of
the Financing Agreement is hereby amended and replaced in its entirety by the
following:

                  REVENUE IN EXCESS OF BILLING LOAN CAP shall mean $3,500,000,
                  reduced by $500,000 per Fiscal Quarter beginning on December
                  31, 2001, until such amount is reduced to $1,500,000, subject
                  to further reduction per paragraph 1 of Section 10.

XV.      AMENDMENT TO DEFINITION OF FIXED CHARGE COVERAGE RATIO. The definition
of Fixed Charge Coverage Ratio set forth in Section 1 of the Financing Agreement
is hereby amended and replaced in its entirety by the following:

                  FIXED CHARGE COVERAGE RATIO shall mean, for the relevant
                  period, the ratio determined by dividing EBITDA by Fixed
                  Charges.

XVI.     AMENDMENT TO ADD THE DEFINITION OF FIXED CHARGES. Section 1 of the
Financing Agreement is hereby amended to add the following definition thereto:

                  FIXED CHARGES shall mean, for the period in question, without
                  duplication, the sum of (a) the aggregate amount of all
                  principal payments required to be made by the Companies on all
                  Indebtedness during such period (including the principal
                  portion of payments in respect of capitalized leases but
                  excluding, to the extent otherwise included in this clause
                  (a), (i) DCI Capitalized Lease Obligations and (ii) principal
                  payments on the Revolving Loans), plus (b) all unfinanced
                  Capital Expenditures made by any Company during such period
                  (exclusive of DCI Capital Expenditures), plus (c) all federal,
                  state, local and/or foreign income taxes paid or payable by
                  any

                                       4
<PAGE>
                  Company in cash during such period, plus (d) the aggregate
                  amount of all Interest Expense of the Companies during such
                  period, to the extent payable in cash, plus (e) all dividends
                  and other distributions made by Parent to its shareholders
                  during such period, all determined in accordance with GAAP;
                  provided, however, that notwithstanding the foregoing, for the
                  fiscal quarters ending March 31, 2001 and June 30, 2001, Fixed
                  Charges for such fiscal quarters shall be deemed to be
                  $2,540,000 and $4,110,000, respectively.

XVII.    AMENDMENT TO ADD DEFINITION OF INTEREST COVERAGE RATIO. Section 1 of
the Financing Agreement is hereby amended to add the following definition
thereto:

                  INTEREST COVERAGE RATIO means, for the period in question, the
                  ratio of (a) EBITDA during such period to (b) Interest Expense
                  of all of the Companies on a consolidated basis during such
                  period, to the extent payable in cash, all determined in
                  accordance with GAAP.

XVIII.   AMENDMENT TO ADD DEFINITION OF INTEREST EXPENSE. Section 1 of the
Financing Agreement is hereby amended to add the following definition thereto:

                  INTEREST EXPENSE means, for the period in question, without
                  duplication, all gross interest expense of any Company
                  (including, without limitation, all commissions, discounts
                  and/or related amortization and other fees and charges owed by
                  any Company with respect to letters of credit, the net costs
                  associated with any interest rate swap, interest rate cap or
                  other interest rate hedge obligations of any Company,
                  capitalized interest expense, the interest portion of
                  capitalized lease obligations and the interest portion of any
                  deferred payment obligation) for such period, all determined
                  on in accordance with GAAP; provided, however, that
                  notwithstanding the foregoing, for the fiscal quarters ending
                  March 31, 2001 and June 30, 2001, Interest Expense paid in
                  cash for such fiscal quarters shall be deemed to be $1,900,000
                  and $1,980,000, respectively;

XIX.     AMENDMENT TO REFERENCES TO LLCP AND REPLACEMENT WITH REFERENCES TO
ALLIED. The references to LLCP in the Financing Agreement are hereby replaced
with references to Allied (including references to LLCP Loan Documents being
replaced by references to Allied Loan Documents and references to LLCP Debt
being replaced by references to Allied Debt).

XX.      AMENDMENT TO FINANCIAL COVENANTS. Paragraph 10 of Section 7 of the
Financing Agreement is hereby amended and replace in its entirety by the
following:

                  10. Until termination of the Financing Agreement and payment
                  and satisfaction in full of all Obligations hereunder, the
                  Companies shall:

                  (a) not have net income (determined in accordance with GAAP
                  but excluding from the calculation thereof any extraordinary
                  losses resulting from the refinancing by

                                       5
<PAGE>
                  Allied of Indebtedness owing to LLCP) for any Fiscal Quarter
                  of less than zero.

                  (b) maintain at the end of each Fiscal Quarter a consolidated
                  Fixed Charge Coverage Ratio of the Companies for the four
                  consecutive Fiscal Quarter period then ended (other than with
                  respect to the test date of September 30, 2001, which shall be
                  tested for the one Fiscal Quarter then ended), of not less
                  than the following:

                  Fiscal Quarter ended 9/30/01 - 1.05:1.00
                  Fiscal Quarter ended 12/31/01 - 1.05:1.00
                  Fiscal Quarter ended 3/31/02 - 1.05:1.00
                  Fiscal Quarter ended 6/30/02 - 1.25:1.00
                  Fiscal Quarter ended 9/30/02 - 1.40:1.00
                  Fiscal Quarter ended 12/31/02 - 1.45:1.00
                  Fiscal Quarter ended 3/31/03 - 1.60:1.00
                  Fiscal Quarter ended 6/30/03 - 1.75:1.00
                  Fiscal Quarter ended 9/30/03 - 1.90:1.00
                  Thereafter, at the end of each Fiscal Quarter - 2.05:1.00

                  (c) maintain, on a cumulative basis, at the end of each Fiscal
                  Quarter for the prior four Fiscal Quarter period then ended
                  (other than with respect to the test date of September 30,
                  2001, which shall be tested for the one Fiscal Quarter then
                  ended), EBITDA on a consolidated basis of at least the
                  following amounts:

                  Fiscal Quarter ended 9/30/01 - $2,875,000
                  Fiscal Quarter ended 12/31/01 - $13,500,000
                  Fiscal Quarter ended 3/31/02 - $14,000,000
                  Fiscal Quarter ended 6/30/02 - $14,500,000
                  Fiscal Quarter ended 9/30/02 - $15,250,000
                  Fiscal Quarter ended 12/31/02 - $16,000,000
                  Fiscal Quarter ended 3/31/03 - $17,350,000
                  Fiscal Quarter ended 6/30/03 - $18,000,000
                  Fiscal Quarter ended 9/30/03 - $19,250,000
                  Thereafter, at the end of each Fiscal Quarter- $21,100,000

                  (d) maintain at the end of each month EBITDA on a consolidated
                  basis of at least $500,000.

                  (e) maintain, at the end of each Fiscal Quarter for the prior
                  four Fiscal Quarter period then ended, a ratio of Indebtedness
                  to EBITDA, on a consolidated basis, of not more than the
                  following amounts.

                  Fiscal Quarter ended 12/31/01 - 5.10:1.00
                  Fiscal Quarter ended 3/31/02 - 5.10:1.00
                  Fiscal Quarter ended 6/30/02 - 4.80:1.00
                  Fiscal Quarter ended 9/30/02 - 4.40:1.00

                                       6
<PAGE>
                  Fiscal Quarter ended 12/31/02 - 4.00:1.00
                  Fiscal Quarter ended 3/31/03 - 3.85:1.00
                  Fiscal Quarter ended 6/30/03 - 3.60:1.00
                  Fiscal Quarter ended 9/30/03 - 3.40:1.00
                  Thereafter, at the end of each Fiscal Quarter - 3.15:1.00

                  (f) maintain, at the end of each Fiscal Quarter for the prior
                  four Fiscal Quarter period then ended (other than with respect
                  to the test date of September 30, 2001, which shall be tested
                  for the one Fiscal Quarter then ended), an Interest Coverage
                  Ratio of at least the following amounts.

                  Fiscal Quarter ended 9/30/01 - 1.45:1.00
                  Fiscal Quarter ended 12/31/01 - 1.80:1.00
                  Fiscal Quarter ended 3/31/02 - 1.90:1.00
                  Fiscal Quarter ended 6/30/02 - 2.05:1.00
                  Fiscal Quarter ended 9/30/02 - 2.25:1.00
                  Fiscal Quarter ended 12/31/02 - 2.40:1.00
                  Fiscal Quarter ended 3/31/03 - 2.55:1.00
                  Fiscal Quarter ended 6/30/03 - 2.70:1.00
                  Fiscal Quarter ended 9/30/03 - 2.75:1.00
                  Thereafter, at the end of each Fiscal Quarter - 2.75:1.00

XXI.     AMENDMENT TO PARAGRAPH 11 (CAPITAL EXPENDITURES) TO SECTION 7.
Paragraph 11 of Section 7 of the Financing Agreement is hereby amended and
replaced by the following:

                  Without the prior written consent of CITBC, the Companies will
                  not and will not permit any of their subsidiaries to:

                  (a) enter into any Operating Lease (other than with respect to
                  real property) if after giving effect thereto the aggregate
                  obligations with respect to Operating Leases of the Companies
                  during any Fiscal Year would exceed $200,000, or

                  (b) make any Capital Expenditure or enter into any capitalized
                  lease, if the sum of (i) the aggregate amount of all Capital
                  Expenditures (including the Capital Expenditure in question)
                  made by the Companies and their subsidiaries during the
                  applicable period set forth below, other than DCI Capital
                  Expenditures, plus (ii) the aggregate amount of all
                  capitalized lease obligations (including the capitalized lease
                  in question) made or required to be made by the Companies and
                  their subsidiaries during such period, other than DCI
                  Capitalized Lease Obligations, would exceed the amount set
                  forth below with respect to such period:

                                       7

<PAGE>

<TABLE>
<CAPTION>
                  Period                                               Amount

<S>                                                                   <C>
                  January 1, 2001 - December 31, 2001                 $4,000,000
                  January 1, 2002 - December 31, 2002                 $4,000,000
                  January 1, 2003 - December 31, 2003
                  and each calendar year thereafter                   $3,750,000; or
</TABLE>

                  (c) make any DCI Capital Expenditure or incur any DCI
                  Capitalized Lease Obligation if the aggregate total amount of
                  all DCI Capital Expenditures and all DCI Capitalized Lease
                  Obligations (including the DCI Capital Expenditure or DCI
                  Capitalized Lease Obligation in question and any and all DCI
                  Capital Expenditures and DCI Capitalized Lease Obligations
                  made or incurred prior to September 26, 2001) would exceed
                  $2,750,000.

XXII.    AMENDMENT TO ADD NEW PARAGRAPH 15 (SOLVENCY) TO SECTION 7. Section 7 of
the Financing Agreement is hereby amended to add a paragraph 15 thereto as
follows:

                  15. As of August 31, 2001, and thereafter as of each request
                  by any Company for an advance, and after giving effect to the
                  transactions contemplated by this Agreement (including the
                  amendment dated on or about September 24, 2001, (i) the fair
                  saleable value of the Companies' assets is greater than the
                  amount required to pay the Companies' total indebtedness
                  (contingent or otherwise), and is greater than the amount that
                  will be required to pay such indebtedness as it matures and as
                  it becomes absolute and matured; (ii) the transactions
                  contemplated hereby are being effectuated without intent to
                  hinder, delay or defraud present or future creditors of any
                  Company; (iii) each Company has sufficient capital to carry on
                  its previous operations and business as conducted as of August
                  1, 2001, and to consummate the transactions contemplated
                  herein; and (iv) the Companies will maintain the
                  above-referenced solvent financial condition for the Companies
                  in the aggregate, giving effect to the debt incurred
                  hereunder, as long as any Company is obligated to CITBC under
                  this Agreement or in any other manner whatsoever.

XXIII.   AMENDMENT TO INTEREST RATES. Paragraph 1(a) of Section 8 of the
Financing Agreement is hereby amended and replaced by the following:

                  1(a). Interest on the Revolving Loan shall be payable monthly
                  as of the end of each month and shall be an amount equal to
                  (a) the Chase Bank Rate plus five-tenths percent (0.5%) per
                  annum on the average of the net balances owing by the
                  Companies to CITBC in the Companies' Revolving Loan Account(s)
                  at the close of each day during such month on balances other
                  than Libor Loans and (b) two and seventy-five hundredths
                  percent (2.75%) plus the applicable Libor on any Libor Loan,
                  on a per annum basis, on the average of the net balances owing
                  by the Companies to CITBC in the Companies' Revolving Loan
                  Account(s) at the close of each day during such month. In the
                  event of any change in said Chase Bank Rate, the rate under
                  clause (a) above shall change, as of the first of the month
                  following any change, so as to remain equal to the Chase Bank
                  Rate. The rate hereunder shall be

                                       8
<PAGE>
                  calculated based on a 360-day year. CITBC shall be entitled to
                  charge the Companies' Revolving Loan Account(s) at the rate
                  provided for herein when due until all Obligations have been
                  paid in full.

XXIV.     AMENDMENT TO SECTION 10 (EVENTS OF DEFAULT) REGARDING PREPAYMENT OF
ALLIED INDEBTEDNESS. Clause (z) of subparagraph (i) of paragraph 1 of Section 10
of the Financing Agreement is hereby amended to provide that no prepayment of
the Indebtedness owing to Allied is permitted and any such prepayment shall be
an Event of Default except for:

         (X) a prepayment other than a prepayment of any portion of the Deferred
Interest Tranche (as defined in the Allied Loan Documents as in effect as of the
date hereof) which satisfies all of the following conditions: (a) such
prepayment, when taken together with all other permitted prepayments of Allied
Indebtedness, is less than or equal to $5,000,000; (b) the Revenue in Excess of
Billing Loan Cap shall be reduced by the amount of such prepayment; (c) the
Revolving Loans shall be repaid by the amount of any such prepayment made to
Allied; (d) such prepayment to Allied shall not exceed 50% of Excess Cash Flow
as of the end of the immediately preceding month; (e) there shall exist at least
$3,000,000 of unused Availability (with all of the Companies' debts, payables
and other liabilities kept current) after giving effect to such prepayment; (f)
no Default or Event of Default shall have occurred and be continuing or result
from such prepayment; and (g) CITBC shall have been paid a fee of one percent
(1%) of the prepayment paid to Allied; or

         (Y) a prepayment of any portion of such Deferred Interest Tranche which
satisfies all of the following conditions: (i) there shall exist at least
$3,000,000 of unused Availability (with all of the Companies' debts, payables
and other liabilities kept current) after giving effect to such prepayment; and
(ii) no Default or Event of Default shall have occurred and be continuing or
result from such prepayment;

         Provided, that the foregoing does not constitute any consent by CITBC
to any sale or other disposition of assets other than as permitted under Section
6, paragraph 4, or Section 7, subparagraph D of paragraph 9 of the Financing
Agreement, and any prepayment of Allied Indebtedness from the proceeds of
disposition of Assets without the prior written consent of CITBC shall be an
immediate Event of Default.

XXV.     CONSENT TO ALLIED INDEBTEDNESS. Notwithstanding any of the provisions
of the Financing Agreement to the contrary, CITBC hereby consents to the
incurrence of the Indebtedness by the Companies pursuant to the Allied Loan
Documents.

XXVI.    CONFIRMATION OF GUARANTY. The Companies, as Guarantors, hereby confirm
that the Guaranty, dated December 30, 1999, executed by the Guarantors in favor
of CITBC guarantying the repayment of the Obligations remains in full force and
effect notwithstanding the execution, delivery and performance by the Companies
of this Letter Amendment and the Financing Agreement as amended hereby.

                                       9
<PAGE>
XXVII.   GENERAL TERMS.

         1. To the extent any of the terms and provision of the Financing
Agreement and/or the Loan Documents conflict or are inconsistent with the terms
hereof, the terms of this Letter Amendment shall govern.

         2. The effectiveness of this Letter Amendment is conditioned upon
receipt by CITBC of:

                  (a)      an executed counterpart of this Letter Amendment
                           executed by the Company.

                  (b)      payment of a non-refundable fee of $250,000 which
                           shall be paid as a loan advance under the Financing
                           Agreement.

                  (c)      an executed counterpart of the Intercreditor
                           Agreement, duly executed by Allied and the Companies.

                  (d)      receipt of the Companies financial statements for the
                           month ended July 31, 2001.

                  (e)      receipt of financial projections for the Fiscal Years
                           ending December 31, 2001, December 31, 2002, and
                           December 31, 2003.

                  (f)      evidence satisfactory to CITBC that the Companies
                           have at least $1,500,000 of unused Availability after
                           giving effect to the new Allied Indebtedness and all
                           other transactions contemplated under the Allied Loan
                           Documents and hereunder (with all of the Companies'
                           debts, payables and other liabilities kept current).

                  (g)      an fully executed copy of the Allied Loan Documents
                           and confirmation of the funding of the full amount of
                           the Allied Debt as contemplated under the Allied Loan
                           Documents.

                  (h)      an executed counterpart of the Deed of Trust
                           previously submitted to the Companies by CITBC for
                           execution with respect to certain of the Companies'
                           Arizona real property.

                  (i)      payment in full of all fees and expenses of CITBC
                           incurred in connection with this Letter Amendment and
                           the Allied Loan Documents.

         3. This Letter Amendment may be executed in two (2) or more
counterparts, each of which shall constitute an original but all of which when
taken together shall constitute but one (1) agreement, and shall become
effective when copies hereof which, when taken together, bear the original
signatures of each of the parties hereto are delivered to CITBC.

                                       10
<PAGE>
         Except as set forth herein no other change in the terms or provisions
of the Financing Agreement or any other Loan Document is intended or implied. By
execution hereof, the Companies represent and warrant to CITBC that no material
adverse change has occurred in the financial condition, business, prospects,
profits, operations or assets of the Companies since December 31, 2000. If the
foregoing is in accordance with your understanding, please so indicate by
signing and returning the enclosed copy of this Letter Amendment.

                                            Very truly yours,

                                            THE CIT GROUP/BUSINESS CREDIT, INC.

                                            By:   /s/  Jeffrey Chiu
                                                  -----------------------------
                                            Title:     AVP
                                                  -----------------------------

AGREED:

SIMULA, INC.,
an Arizona corporation

By:  /s/  Bradley P. Forst
   ---------------------------------------------------

Title:     President and Chief Executive Officer
      ------------------------------------------------

SIMULA ARTCRAFT INDUSTRIES, INC.,
an Arizona corporation

By:  /s/  Benjamin S. Clark
   -----------------------------------------------------

Title:     Secretary
      --------------------------------------------------

AI CAPITAL CORP. ,
an Arizona corporation

By:  /s/   Benjamin S. Clark
   ------------------------------------------------------

Title:       President
      ---------------------------------------------------

                                       11
<PAGE>
SIMULA TRANSPORTATION EQUIPMENT CORPORATION,
an Arizona corporation

By:  /s/  Benjamin S. Clark
   ------------------------------------------------------

Title:  President
    -----------------------------------------------------

INTERNATIONAL CENTER FOR
SAFETY EDUCATION, INC.,
an Arizona corporation

By:  /s/  Benjamin S. Clark
   ------------------------------------------------------

Title:  Secretary
    -----------------------------------------------------

SIMULA AUTOMOTIVE SAFETY
DEVICES, INC.,
an Arizona corporation

By:  /s/  Benjamin S. Clark
   ------------------------------------------------------

Title:     Secretary
      ---------------------------------------------------

SIMULA COMPOSITES
CORPORATION,
an Arizona corporation

By:  /s/  Benjamin S. Clark
   ------------------------------------------------------

Title:  President
      ---------------------------------------------------

SIMULA POLYMER SYSTEMS, INC.,
an Arizona corporation

By:/s/  Benjamin S. Clark
   ------------------------------------------------------

Title:  Secretary
      ---------------------------------------------------

                                       12
<PAGE>
SIMULA SAFETY SYSTEMS, INC.,
an Arizona corporation

By:  /s/  Benjamin S. Clark
   ------------------------------------------------------

Title:  Assistant Secretary
      ----------------------------------------------------

SIMULA TECHNOLOGIES, INC..
an Arizona corporation

By:  /s/  Benjamin S. Clark
   ------------------------------------------------------

Title:  Secretary
      ---------------------------------------------------

SIMULA AUTOMOTIVE SAFETY
DEVICES, LIMITED,
an Arizona corporation

By:  /s/  Benjamin S. Clark
   ------------------------------------------------------

Title:  Assistant Secretary
      ---------------------------------------------------

CCEC CAPITAL CORP.,
an Arizona corporation

By:  /s/  Benjamin S. Clark
   ------------------------------------------------------

Title:  President
      ---------------------------------------------------

                                       13

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