Exhibit 10.4 March 18, 2004 Mr. John B. Benton Mr. John A. MacAllister Benton Consulting Partners 655 Deep Valley Drive Suite 120 Rolling Hills Estates, CA 90274 Dear Jack and John, Reference is to paragraph 2.2(e) of the Asset Purchase Agreement...

                                                                    Exhibit 10.4

March 18, 2004

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▇▇▇▇▇▇ Consulting Partners
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Dear ▇▇▇▇ and ▇▇▇▇,

Reference is to paragraph 2.2(e) of the Asset Purchase Agreement executed
between eFunds Corporation ("Purchaser") and ▇▇▇▇▇▇ Consulting Partners
("Seller") dated January 30, 2004. The following language is hereby appended to
that citation:

"It is specifically agreed that for purposes of computation of the Voluntary
Attrition Rate, any instance or instances of death or permanent disablement of
the Acquired Work Force which may occur prior to the first anniversary or second
anniversary of the Closing Date will not be considered as voluntary
termination(s) of employment of Purchaser."

Sincerely,

/s/ ▇▇▇▇ ▇. ▇▇▇▇▇
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Chief Executive Officer

APPROVED AS TO FORM
     LAW DEPT.

For ▇▇▇▇▇▇ Consulting Partners

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Seller                                               Seller