PROTOTYPE DEFINED CONTRIBUTION PLAN AND TRUST

Contribution Agreement

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Title: PROTOTYPE DEFINED CONTRIBUTION PLAN AND TRUST
Date: 2/8/2005
Industry: Computer Services Sector: Technology

$PROTOTYPE DEFINED CONTRIBUTION PLAN AND TRUST, Parties: checkfree corp \ga\ , suntrust bank$

Exhibit 10(b)

PROTOTYPE DEFINED CONTRIBUTION PLAN AND TRUST

SPONSORED BY

SunTrust Bank

BASIC PLAN DOCUMENT #02

June, 2002

TABLE OF CONTENTS


	ARTICLE 1
	PLAN ELIGIBILITY AND PARTICIPATION

1.1	Eligibility for Plan Participation	1
1.2	Excluded Employees	1
	(a) Independent contractors	1
	(b) Leased Employees	1
1.3	Employees of Related Employers	2
	(a) Nonstandardized Agreement	2
	(b) Standardized Agreement	2
1.4	Minimum Age and Service Conditions	2
	(a) Maximum permissible age and service conditions	2
	(b) Year of Service	2
	(c) Eligibility Computation Periods	2
	(d) Application of eligibility rules	3
	(e) Amendment of age and service requirements	3
1.5	Entry Dates	3
	(a) Entry Date requirements	3
	(b) Single annual Entry Date	3
1.6	Eligibility Break in Service Rules	4
	(a) Rule of Parity Break in Service	4
	(b) One-year Break in Service rule for Plans using a two Years of Service eligibility condition	4
	(c) One-year holdout Break in Service rule	4
1.7	Eligibility upon Reemployment	5
1.8	Operating Rules for Employees Excluded by Class	5
	(a) Eligible Participant becomes part of an excluded class of Employees	5
	(b) Excluded Employee becomes part of an eligible class of Employee	5
1.9	Relationship to Accrual of Benefits	5
1.10	Waiver of Participation	5

	ARTICLE 2
	EMPLOYER CONTRIBUTIONS AND ALLOCATIONS

2.1	Amount of Employer Contributions	6
	(a) Limitation on Employer Contributions	6
	(b) Limitation on Included Compensation	6
	(c) Contribution of property	6
	(d) Frozen Plan	6
2.2	Profit Sharing Plan Contribution and Allocations	6
	(a) Amount of Employer Contribution	6
	(b) Allocation formula for Employer Contributions	7
	(c) Special rules for determining Included Compensation	9
2.3	401(k) Plan Contributions and Allocations	10
	(a) Section 401(k) Deferrals	10



© Copyright 2001 SunTrust Bank		Basic Plan Document


	(b) Employer Matching Contributions	11
	(c) Qualified Matching Contributions (QMACs)	11
	(d) Employer Nonelective Contributions	12
	(e) Qualified Nonelective Contributions (QNECs)	12
	(f) Safe Harbor Contributions	12
	(g) Prior SIMPLE 401(k) plan	13
2.4	Money Purchase Plan Contribution and Allocations	13
	(a) Employer Contributions	13
	(b) Uniform percentage or uniform dollar amount	13
	(c) Permitted Disparity Method	13
	(d) Contribution based on service	14
	(e) Davis-Bacon Contribution Formula	14
	(f) Applicable period for determining Included Compensation	15
	(g) Special rules for determining Included Compensation	15
	(h) Limit on contribution where Employer maintains another plan in addition to a money purchase plan	15
2.5	Target Benefit Plan Contribution	15
	(a) Stated Benefit	15
	(b) Employer Contribution	16
	(c) Benefit formula	16
	(d) Definitions	21
2.6	Allocation Conditions	23
	(a) Safe harbor allocation condition	24
	(b) Application of last day of employment rule for money purchase and target benefit Plans in year of termination	24
	(c) Elapsed Time Method	24
	(d) Special allocation condition for Employer Matching Contributions under Nonstandardized 401(k) Agreement	24
	(e) Application to designated period	25
2.7	Fail-Safe Coverage Provision	26
	(a) Top-Heavy Plans	27
	(b) Category 1 Employees - Otherwise Eligible Participants (who are Nonhighly Compensated
	Employees) who are still employed by the Employer on the last day of the Plan Year but who
	failed to satisfy the Plan's Hours of Service condition	27
	(c) Category 2 Employees - Otherwise Eligible Participants (who are Nonhighly Compensated
	Employees) who terminated employment during the Plan Year with more than 500 Hours of Service	27
	(d) Special Fail-Safe Coverage Provision	27
2.8	Deductible Employee Contributions	27

	ARTICLE 3
	EMPLOYEE AFTER-TAX CONTRIBUTIONS, ROLLOVER CONTRIBUTIONS AND TRANSFERS

3.1	Employee After-Tax Contributions	28
3.2	Rollover Contributions	28
3.3	Transfer of Assets	28
	(a) Protection of Protected Benefits	29
	(b) Transferee plan	29
	(c) Transfers from a Defined Benefit Plan, money purchase plan or 401(k) plan	29



Basic Plan Document		© Copyright 2001 SunTrust Bank


	(d) Qualified Transfer	29
	(e) Trustee's right to refuse transfer	31

	ARTICLE 4
	PARTICIPANT VESTING

4.1	In General	32
	(a) Attainment of Normal Retirement Age	32
	(b) Vesting upon death, becoming Disabled, or attainment of Early Retirement Age	32
	(c) Addition of Employer Nonelective Contribution or Employer Matching Contribution	32
	(d) Vesting upon merger, consolidation or transfer	32
4.2	Vesting Schedules	32
	(a) Full and immediate vesting schedule	32
	(b) 7-year graded vesting schedule	33
	(c) 6-year graded vesting schedule	33
	(d) 5-year cliff vesting schedule	33
	(e) 3-year cliff vesting schedule	33
	(f) Modified vesting schedule	33
4.3	Shift to/from Top-Heavy Vesting Schedule	33
4.4	Vesting Computation Period	33
	(a) Anniversary Years	33
	(b) Measurement on same Vesting Computation Period	33
4.5	Crediting Years of Service for Vesting Purposes	33
	(a) Calculating Hours of Service	33
	(b) Excluded service	34
4.6	Vesting Break in Service Rules	34
	(a) One-year holdout Break in Service	34
	(b) Five-Year Forfeiture Break in Service	34
	(c) Rule of Parity Break in Service	34
4.7	Amendment of Vesting Schedule	35
4.8	Special Vesting Rule - In-Service Distribution When Account Balance Less than 100% Vested	35

	ARTICLE 5
	FORFEITURES

5.1	In General	36
5.2	Timing of forfeiture	36
	(a) Cash-Out Distribution	36
	(b) Five-Year Forfeiture Break in Service	36
	(c) Lost Participant or Beneficiary	36
	(d) Forfeiture of Employer Matching Contributions	36
5.3	Forfeiture Events	36
	(a) Cash-Out Distribution	36
	(b) Five-Year Forfeiture Break in Service	38
	(c) Lost Participant or Beneficiary	39
	(d) Forfeiture of Employer Matching Contributions	39
5.4	Timing of Forfeiture Allocation	39



© Copyright 2001 SunTrust Bank		Basic Plan Document

iii


5.5	Method of Allocating Forfeitures	39
	(a) Reallocation of forfeitures	39
	(b) Reduction of contributions	39
	(c) Payment of Plan expenses	39

	ARTICLE 6
	SPECIAL SERVICE CREDITING PROVISIONS

6.1	Year of Service - Eligibility	40
	(a) Selection of Hours of Service	40
	(b) Use of Equivalency Method	40
	(c) Use of Elapsed Time Method	40
6.2	Eligibility Computation Period	40
6.3	Year of Service - Vesting	40
	(a) Selection of Hours of Service	40
	(b) Equivalency Method	40
	(c) Elapsed Time Method	41
6.4	Vesting Computation Period	41
6.5	Definitions	41
	(a) Equivalency Method	41
	(b) Elapsed Time Method	41
6.6	Switching Crediting Methods	41
	(a) Shift from crediting Hours of Service to Elapsed Time Method	41
	(b) Shift from Elapsed Time Method to an Hours of Service method	42
6.7	Service with Predecessor Employers	42

	ARTICLE 7
	LIMITATION ON PARTICIPANT ALLOCATIONS

7.1	Annual Additions Limitation - No Other Plan Participation	43
	(a) Annual Additions Limitation	43
	(b) Using estimated Total Compensation	43
	(c) Disposition of Excess Amount	43
7.2	Annual Additions Limitation - Participation in Another Plan	44
	(a) In general	44
	(b) This Plan’s Annual Addition Limitation	44
	(c) Annual Additions reduction	44
	(d) No Annual Additions permitted	44
	(e) Using estimated Total Compensation	44
	(f) Excess Amounts	45
	(g) Disposition of Excess Amounts	45
7.3	Modification of Correction Procedures	45
7.4	Definitions Relating to the Annual Additions Limitation	45
	(a) Annual Additions	45
	(b) Defined Contribution Dollar Limitation	46
	(c) Employer	46
	(d) Excess Amount	46



Basic Plan Document		© Copyright 2001 SunTrust Bank


	(e) Limitation Year	46
	(f) Maximum Permissible Amount	46
	(g) Total Compensation	46
7.5	Participation in a Defined Benefit Plan	47
	(a) Repeal of rule	47
	(b) Special definitions relating to Section 7.5	47

	ARTICLE 8
	PLAN DISTRIBUTIONS

8.1	Distribution Options	49
8.2	Amount Eligible for Distribution	49
8.3	Distributions After Termination of Employment	49
	(a) Account Balance exceeding $5,000	49
	(b) Account Balance not exceeding $5,000	50
	(c) Permissible distribution events under a 401(k) plan	50
	(d) Disabled Participant	50
	(e) Determining whether vested Account Balance exceeds $5,000	50
	(f) Effective date of $5,000 vested Account Balance rule	51
8.4	Distribution upon the Death of the Participant	51
	(a) Post-retirement death benefit	51
	(b) Pre-retirement death benefit	51
	(c) Determining a Participant’s Beneficiary	52
8.5	Distributions Prior to Termination of Employment	53
	(a) Employee After-Tax Contributions, Rollover Contributions, and transfers	53
	(b) Employer Contributions	53
	(c) Section 401(k) Deferrals, Qualified Nonelective Contributions, Qualified Matching Contributions, and Safe
	Harbor Contributions	53
	(d) Corrective distributions	54
8.6	Hardship Distribution	54
	(a) Safe harbor Hardship distribution	54
	(b) Non-safe harbor Hardship distribution	55
	(c) Amount available for distribution	55
8.7	Participant Consent	55
	(a) Participant notice	55
	(b) Special rules	55
8.8	Direct Rollovers	56
	(a) Eligible Rollover Distribution	56
	(b) Eligible Retirement Plan	56
	(c) Direct Rollover	56
	(d) Direct Rollover notice	57
	(e) Special rules for Hardship withdrawals of Section 401(k) Deferrals	57
8.9	Sources of Distribution	57
	(a) Exception for Hardship withdrawals	57
	(b) In-kind distributions	57



© Copyright 2001 SunTrust Bank		Basic Plan Document


	ARTICLE 9
	JOINT AND SURVIVOR ANNUITY REQUIREMENTS

9.1	Applicability	58
	(a) Election to have requirements apply	58
	(b) Election to have requirements not apply	58
	(c) Accumulated deductible employee contributions	58
9.2	Qualified Joint and Survivor Annuity (QJSA)	58
9.3	Qualified Preretirement Survivor Annuity (QPSA)	58
9.4	Definitions	59
	(a) Qualified Joint and Survivor Annuity (QJSA)	59
	(b) Qualified Preretirement Survivor Annuity (QPSA)	59
	(c) Distribution Commencement Date	59
	(d) Qualified Election	59
	(e) QPSA Election Period	59
	(f) Pre-Age 35 Waiver	60
9.5	Notice Requirements	60
	(a) QJSA	60
	(b) QPSA	60
9.6	Exception to the Joint and Survivor Annuity Requirements	60
9.7	Transitional Rules	60
	(a) Automatic joint and survivor annuity	61
	(b) Election of early survivor annuity	61
	(c) Qualified Early Retirement Age	61

	ARTICLE 10
	REQUIRED DISTRIBUTIONS

10.1	Required Distributions Before Death	62
	(a) Deferred distributions	62
	(b) Required minimum distributions	62
10.2	Required Distributions After Death	62
	(a) Distribution beginning before death	62
	(b) Distribution beginning after death	62
	(c) Treatment of trust beneficiaries as Designated Beneficiaries	63
	(d) Trust beneficiary qualifying for marital deduction	63
10.3	Definitions	64
	(a) Required Beginning Date	64
	(b) Five-Percent Owner	64
	(c) Designated Beneficiary	64
	(d) Applicable Life Expectancy	64
	(e) Life Expectancy	65
	(f) Distribution Calendar Year	65
	(g) Participant’s Benefit	65
10.4	GUST Elections	65
	(a) Distributions under Old-Law Required Beginning Date rules	65



Basic Plan Document		© Copyright 2001 SunTrust Bank


	(b) Option to postpone distributions	65
	(c) Election to stop minimum required distributions	66
10.5	Transitional Rule	67

	ARTICLE 11
	PLAN ADMINISTRATION AND SPECIAL OPERATING RULES

11.1	Plan Administrator	68
	(a) Acceptance of responsibility by designated Plan Administrator	68
	(b) Resignation of designated Plan Administrator	68
	(c) Named Fiduciary	68
11.2	Duties and Powers of the Plan Administrator	68
	(a) Delegation of duties and powers	68
	(b) Specific duties and powers	68
11.3	Employer Responsibilities	69
11.4	Plan Administration Expenses	69
11.5	Qualified Domestic Relations Orders (QDROs)	69
	(a) In general	69
	(b) Qualified Domestic Relations Order (QDRO)	69
	(c) Recognition as a QDRO	69
	(d) Contents of QDRO	70
	(e) Impermissible QDRO provisions	70
	(f) Immediate distribution to Alternate Payee	70
	(g) No fee for QDRO determination	70
	(h) Default QDRO procedure	70
11.6	Claims Procedure	71
	(a) Filing a claim	71
	(b) Notification of Plan Administrator's decision	72
	(c) Review procedure	72
	(d) Decision on review	72
	(e) Default claims procedure	72
11.7	Operational Rules for Short Plan Years	72
11.8	Operational Rules for Related Employer Groups	73

	ARTICLE 12
	TRUST PROVISIONS

12.1	Creation of Trust	74
12.2	Trustee	74
	(a) Discretionary Trustee	74
	(b) Directed Trustee	74
12.3	Trustee’s Responsibilities Regarding Administration of Trust	74
12.4	Trustee’s Responsibility Regarding Investment of Plan Assets	75
12.5	More than One Person as Trustee	76
12.6	Annual Valuation	76
12.7	Reporting to Plan Administrator and Employer	76
12.8	Reasonable Compensation	76



© Copyright 2001 SunTrust Bank		Basic Plan Document

vii


12.9	Resignation and Removal of Trustee	77
12.10	Indemnification of Trustee	77
12.11	Appointment of Custodian	77

	ARTICLE 13
	PLAN ACCOUNTING AND INVESTMENTS

13.1	Participant Accounts	78
13.2	Value of Participant Accounts	78
	(a) Periodic valuation	78
	(b) Daily valuation	78
13.3	Adjustments to Participant Accounts	78
	(a) Distributions and forfeitures from a Participant’s Account	78
	(b) Life insurance premiums and dividends	78
	(c) Contributions and forfeitures allocated to a Participant’s Account	78
	(d) Net income or loss	78
13.4	Procedures for Determining Net Income or Loss	78
	(a) Net income or loss attributable to General Trust Account	78
	(b) Net income or loss attributable to a Directed Account	79
	(c) Share or unit accounting	79
	(d) Suspense accounts	79
13.5	Investments under the Plan	80
	(a) Investment options	80
	(b) Limitations on the investment in Qualifying Employer Securities and Qualifying Employer Real Property	80
	(c) Participant direction of investments	81

	ARTICLE 14
	PARTICIPANT LOANS

14.1	Default Loan Policy	83
14.2	Administration of Loan Program	83
14.3	Availability of Participant Loans	83
14.4	Reasonable Interest Rate	83
14.5	Adequate Security	83
14.6	Periodic Repayment	84
	(a) Unpaid leave of absence	84
	(b) Military leave	84
14.7	Loan Limitations	84
14.8	Segregated Investment	85
14.9	Spousal Consent	85
14.10	Procedures for Loan Default	85
14.11	Termination of Employment	86
	(a) Offset of outstanding loan	86
	(b) Direct Rollover	86
	(c) Modified loan policy	86



Basic Plan Document		© Copyright 2001 SunTrust Bank

viii


	ARTICLE 15
	INVESTMENT IN LIFE INSURANCE

15.1	Investment in Life Insurance	87
15.2	Incidental Life Insurance Rules	87
	(a) Ordinary life insurance policies	87
	(b) Life insurance policies other than ordinary life	87
	(c) Combination of ordinary and other life insurance policies	87
	(d) Exception for certain profit sharing and 401(k) plans	87
	(e) Exception for Employee After-Tax Contributions and Rollover Contributions	87
15.3	Ownership of Life Insurance Policies	87
15.4	Evidence of Insurability	87
15.5	Distribution of Insurance Policies	87
15.6	Discontinuance of Insurance Policies	88
15.7	Protection of Insurer	88
15.8	No Responsibility for Act of Insurer	88

	ARTICLE 16
	TOP-HEAVY PLAN REQUIREMENTS

16.1	In General	89
16.2	Top-Heavy Plan Consequences	89
	(a) Minimum allocation for Non-Key Employees	89
	(b) Special Top-Heavy Vesting Rules	91
16.3	Top-Heavy Definitions	91
	(a) Determination Date	91
	(b) Determination Period	91
	(c) Key Employee	91
	(d) Permissive Aggregation Group	91
	(e) Present Value	91
	(f) Required Aggregation Group	92
	(g) Top-Heavy Plan	92
	(h) Top-Heavy Ratio	92
	(i) Total Compensation	93
	(j) Valuation Date	93

	ARTICLE 17
	401(k) PLAN PROVISIONS

17.1	Limitation on the Amount of Section 401(k) Deferrals	94
	(a) In general	94
	(b) Maximum deferral limitation	94
	(c) Correction of Code §402(g) violation	94
17.2	Nondiscrimination Testing of Section 401(k) Deferrals – ADP Test	95
	(a) ADP Test testing methods	95
	(b) Special rule for first Plan Year	96
	(c) Use of QMACs and QNECs under the ADP Test	96



© Copyright 2001 SunTrust Bank		Basic Plan Document


	(d) Correction of Excess Contributions	96
	(e) Adjustment of deferral rate for Highly Compensated Employees	98
17.3	Nondiscrimination Testing of Employer Matching Contributions and Employee After-Tax
	Contributions – ACP Test	98
	(a) ACP Test testing methods	98
	(b) Special rule for first Plan Year	99
	(c) Use of Section 401(k) Deferrals and QNECs under the ACP Test	99
	(d) Correction of Excess Aggregate Contributions	99
	(e) Adjustment of contribution rate for Highly Compensated Employees	101
17.4	Multiple Use Test	101
	(a) Aggregate Limit	101
	(b) Correction of the Multiple Use Test	101
17.5	Special Testing Rules	102
	(a) Special rule for determining ADP and ACP of Highly Compensated Employee Group	102
	(b) Aggregation of plans