Disclosures

1st Portfolio, Inc. (“1st Portfolio”), located in Fairfax, Virginia, is registered as an investment adviser with the Securities and Exchange Commission (“SEC”). 1st Portfolio and its representatives are in compliance with the current filing requirements imposed upon state registered investment advisers by those states in which 1st Portfolio maintains clients. 1st Portfolio may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability.

1st Portfolio’s website is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of 1st Portfolio’s website on the Internet should not be construed by any consumer and/or prospective client as 1st Portfolio’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by 1st Portfolio with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of 1st Portfolio, please contact the SEC or the state securities regulators for those states in which 1st Portfolio maintains a filing.

A copy of 1st Portfolio’s current written disclosure statement discussing 1st Portfolio’s business operations, services and fees is available from 1st Portfolio upon written request. 1st Portfolio does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to 1st Portfolio’s website or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by 1st Portfolio) made reference to directly or indirectly by 1st Portfolio in its website, or indirectly via a link to an unaffiliated third party website, will be profitable or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.

Certain portions of 1st Portfolio’s website (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, 1st Portfolio’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendations. Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from 1st Portfolio, or from any other investment professional. 1st Portfolio is neither an attorney nor an accountant, and no portion of the website content should be interpreted as legal, accounting or tax advice.

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to 1st Portfolio’s website, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from 1st Portfolio, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to 1st Portfolio’s website, to release and hold harmless 1st Portfolio, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from 1st Portfolio.

1st Portfolio Wealth Advisors is a wholly-owned subsidiary of WashingtonFirst Bankshares, Inc.