What...? SDXC and SDHC can be formatted any way you want.Because those over 32 GB cannot be standards-compliant SDXCs, which by definition must have a single FAT64 (aka EXFAT) MBR type 7 partition, while a SDHC has a single FAT32, MBR type C one - no significant low level differences unlike with SDSC
Also I don't think anyone refers to exFAT as FAT64.