5 business days after the disclosure is mailed. (5) Basis of disclosures and use of estimates in educational ISAs (A) Legal obligation Disclosures shall reflect the terms of the legal obligation between the parties. (B) Estimates If any information necessary for an accurate disclosure is unknown to the ISA provider, the ISA provider shall make the disclosure based on the best information reasonably available at the time the disclosure is provided, and shall state clearly that the disclosure is an estimate. (6) Effect of subsequent events (A) Approval disclosures If a disclosure made under paragraph (2) becomes inaccurate because of an event that occurs after the ISA provider delivers the required disclosures, the inaccuracy is not a violation of this Act, although new disclosures may be required in accordance with this title. (B) Final disclosures If a disclosure under paragraph (3) becomes inaccurate because of an event that occurs after the creditor delivers the required disclosures, the inaccuracy is not a violation of this Act. (b) Additional disclosures for educational ISAs In addition to the other disclosure requirements of this title, an ISA provider of an educational ISA shall provide the disclosures required under this subsection as follows: (1) Application and Solicitation Disclosure On or with a solicitation or an application for an educational ISA, an ISA provider shall disclose the following: (A) ISA payment calculation method (i) The ISA payment calculation method that applies to the educational ISA and actually offered by the ISA provider at the time of application or solicitation. If the ISA payment calculation method will depend, in part, on a later determination of the ISA recipient’s creditworthiness or other factors, a statement that the ISA payment calculation method for which the ISA recipient may qualify will depend on the ISA recipient’s creditworthiness and other factors, if applicable. (ii) In the case of an ISA payment calculation method that is based on a schedule of percentages— (I)