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Rates and Fees Disclosure

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DISCLAIMERS AND FOOTNOTES

1. Pathfinder is a financial technology company, not a bank. Pathfinder Education Visa Charge Card (“Pathfinder Card”) is issued by Column N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Pathfinder Card is only available to participants in education savings account programs in the following states: AZ.

2. If our AI tool pre-approves an item later deemed unallowable, Pathfinder covers the cost (up to $2,500/item, $10,000/cardholder/year). See terms of service for full guarantee details.

3. The Pathfinder Card is a charge card. Full balance must be paid each billing cycle.

4. ESA troubleshooting support available 24/7. Card servicing handled Monday-Friday, 6:00 AM-5:00 PM MT.

5. Rates & Fees.

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