Neither the principal contributed to an account, nor earnings thereon, are guaranteed or insured by the EarlyBird Central Inc., the Federal Deposit Insurance Corporation, or any other entity. Account owners assume all investment risk, including the potential loss of principal. Past performance does not guarantee or indicate future results. Investment returns and principal value will fluctuate so that your account may be worth less than the sum of your contributions. Please consider, among other important factors, your investment objectives, risk tolerance and EarlyBird's pricing before investing. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal. It is not possible to invest directly in an index.

You will experience different results from the hypothetical returns shown above, which are provided solely to indicate the visual presentation of our product and do not reflect the investment results of any of our clients. Your account will achieve different results, which might be better or worse, based on factors including general economic conditions and the performance of the financial markets in which you invest.

DYPER Inc. and EarlyBird Central Inc. are not legal or tax advisors and the descriptions above about the relative benefits of UGMAs, 529, taxable custody accounts, etc. are for informational purposes only, and are based on publicly available information believed by EarlyBird Central Inc to be correct as it applies in general as of the date hereof. However, these descriptions are not complete, the accuracy of these statements cannot be guaranteed to be correct and the information subject to change, so you should not rely upon them. You should consult with your own legal and tax advisors about your own personal situation. These descriptions are not intended as a substitute for legal and tax advice from a qualified professional advisor based on your particular circumstances.