¹ Neo Financial offers its Banking as a Service platform through its partnerships with licensed institutions and banks.The JA Money card is a prepaid Mastercard® issued by Neo Financial pursuant to license by Mastercard International Incorporated. The JA Money card is powered by the Neo Everyday account, which is provided by Peoples Bank of Canada.The Cathay World Elite® Mastercard® is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.The Hudson’s Bay Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.