Exhibit 10.14

                        DESCRIPTION OF DELUXE CORPORATION
                        NON-EMPLOYEE DIRECTOR RETIREMENT
                         AND DEFERRED COMPENSATION PLAN

Directors are not nominated for reelection to the Board of Directors after their
72nd birthday. Non-employee directors with at least five years of service who
resign or are not nominated for reelection are entitled to annual payments equal
to the annual non-employee director retainer in effect on the date of their
retirement for the lesser of ten years or the number of years the retiree served
on the Board. Retirement payments do not extend beyond the lifetime of the
retiree, and are contingent upon the retiree's availability for consultation
with management and refraining from engaging in any activity that is competitive
with the Company.

A non-employee director may elect to defer receipt of his or her compensation
until they cease to serve as a director of the Company. Amounts deferred bear
interest at the prime rate charged by First National Bank of Saint Paul from
time to time. The Company does not set money aside to fund the payment of any
deferred compensation. Deferred amounts, together with the interest credited
thereon, are paid to a former director in either a single payment or in
installments, all as determined by the Board of Directors (with the former
director abstaining). Payments commence 90 days after a director ceases to serve
and, in the absence of a contrary determination by the Board of Directors, are
paid in ten equal annual installments. A director's election to defer his or her
compensation continues from year to year unless revoked, and any such revocation
applies only to compensation earned after the calendar quarters during which
notice of revocation is given. Upon the death of a director whose fees have been
deferred, the amount credited to such director's deferred account is paid to the
legal representative of such director's estate.