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The H&R Block Emerald Pay as you go MastercardÂ® is a tax refund-associated deposit product issued by Axos BankÂ®, Member FDIC, pursuant to a license by Mastercard International Integrated. Emerald Financial Firms, LLC is a registered agent of Axos Financial institution. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard Worldwide … Read the rest