Mutual. Fund Families. Premier Program. Premier Program Team. Mutual Funds. Companies. Asset Classes. & Subadvisers

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1 Premier Program Mutual Fund Families Your Adviser Premier Program Team Investment Committee Research & Strategy Operations & Support The Foresters Advisory Services, LLC ( FAS ) Premier Mutual Fund Advisory Program ( Premier Program ) offers a comprehensive suite of investment advisory services and Portfolios designed to be a component of your long-term financial plan throughout various phases of your life from your early 20s to your retirement years and every step in between. Together, your Investment Adviser Representative ( Adviser ) and his or her Premier Program Team consisting of the FAS Investment Committee, Research and Strategy, and Operations teams work in concert to help actively construct, manage, monitor, and implement your Portfolio(s). Each of these areas have specific roles to ensure the assets within your Premier Program account are managed consistently based upon your overall financial goals, timeframes, risk tolerance and other unique factors. Premier Program Portfolios are based on fundamentals of asset allocation, diversification and efficient portfolio construction and are designed to provide both choice and simplicity. Each Portfolio is comprised of a strategically diversified mix of mutual funds carefully selected across highly regarded mutual fund companies as described and illustrated below. Depending upon which Premier Program option you select with your Adviser, the mix of mutual funds may be different (see the Important Disclosures section). A representative set of mutual fund companies and their respective mutual funds are shown below for the Premier Program option and are subject to change. Any change to one or more mutual funds used in your Portfolio, or to the allocation to any of the mutual funds, must be approved in advance by you. Asset Classes Fund Families & Subadvisers Mutual Funds Companies Funds Long-term and strategic asset classes to incorporate into the risk-based Model (e.g., Conservative Model) Carefully selected and monitored investment firms and their mutual funds Well-diversified portfolio of mutual funds Mutual funds within the Premier Portfolios invest in hundreds of companies around the world All information contained herein regarding the specific investments or allocations of these investments are for illustrative purposes only.

2 Mutual Fund Companies and Specialized Subadvisers Conservative Moderately Conservative Moderate Moderately Aggressive Aggressive Funds Growth & Income Fund Equity Income Fund Opportunity Fund Special Situations Fund Real Estate Fund Limited Duration High Quality Bond Fund Government Fund Investment Grade Fund Tax Exempt Income Fund Tax Exempt Opportunities Fund State Specific^ Mutual Funds ^ CA, CT, MA, MI, MN, NC, NJ, NY, OH, OR, PA, VA Funds' Subadvisers Select Growth Fund Global Fund International Fund International Opportunities Bond Fund Fund For Income Floating Rate Fund Unaffiliated Mutual Fund Families American High-Income Municipal Bond Fund Dreyfus General Money Market Fund Franklin Real Return Fund Franklin Limited-Term Tax-Free Income Fund MFS West Virginia Municipal Bond Fund MFS Inflation - Adjusted Bond Fund Neuberger Berman Absolute Return Multi-Mgr. Fund Mutual Funds from unaffiliated mutual fund families may also be used in Premier Program Portfolios and are carefully selected and monitored on an ongoing basis by the Premier Program Team.

3 Premier Program Portfolios Mutual fund companies and specialized subadvisers Foresters Investment Management Company, Inc. ( FIMCO ) FIMCO is the registered investment adviser responsible for portfolio management for the mutual funds. FIMCO employs an experienced team of portfolio managers, analysts and traders across both the fixed income and equities markets. FIMCO internally manages mutual funds and carefully selects investment management subadvisers to manage mutual funds where specialized investment or market/sector expertise is required. While FIMCO oversees the management of all mutual funds, the unaffiliated subadvisers handle day-to-day portfolio management of their respective funds. The subadvisers expertise, knowledge and experience collectively add to the depth and breadth of the family of funds. Funds Funds' Subadvisers Equity Smith Asset Management Group, L.P. ( Smith Group ) Smith Group specializes in equity management. Founded by Stephen S. Smith in 1995, the Smith Group currently manages assets for more than 70 institutions, as well as high-networth families and individuals. Using proprietary investment models and fundamental research, the Smith Group identifies companies that it believes have undiscovered growth potential. After identifying these companies, the Smith Group creates risk-controlled portfolios that it expects will produce attractive returns. The Smith Group is an unaffiliated subadviser for the First Investors Select Growth Fund and Life Series Select Growth Fund. Select Growth Fund Growth & Income Fund Equity Income Fund Opportunity Fund Special Situations Fund Real Estate Fund Limited Duration High Quality Bond Fund Government Fund Investment Grade Fund Tax Exempt Income Fund Tax Exempt Opportunities Fund State Specific^ Mutual Funds Wellington Management Company, LLP ( Wellington Management ) Wellington Management serves as an investment adviser to over 2,000 clients located in more than 50 countries, as of June 30, The Firm s investment focus ranges across global equities and fixed income to currencies and commodities. Wellington Management places a high priority on organizing the decision making through a community of teams that create solutions designed to respond to specific client needs. The Firm s most distinctive strength is proprietary, independent research, shared across all areas of the organization and used only for managing clients portfolios. The Firm traces its roots to the founding of Wellington Fund in The Firm has offices in Boston, Massachusetts; Chicago, Illinois; Radnor, Pennsylvania; San Francisco, California; Beijing; Frankfurt; Hong Kong; London; Singapore; Sydney; Tokyo; and Zurich respectively. Wellington Management is an unaffiliated subadviser for the Global Fund. Global Fund ^ CA, CT, MA, MI, MN, NC, NJ, NY, OH, OR, PA, VA

4 Premier Program Portfolios Vontobel Asset Management, Inc. ( Vontobel ) Founded in 1984, Vontobel provides global asset management services to investors. Vontobel is a wholly owned subsidiary of Vontobel Holding AG and a sister company of Bank Vontobel AG, one of Switzerland s foremost private banks for more than 90-years. Vontobel employs a long-term, disciplined investment strategy, relying on bottom-up analyses to help identify high-quality companies with consistent operating histories, solid financial results and favorable long-term economic prospects. Vontobel is an unaffiliated subadviser for the International Fund and Life Series International Fund. Muzinich & Co., Inc. ( Muzinich ) Muzinich has managed high yield bond investments since Today, Muzinich manages assets for a global client base from offices in New York, London, Cologne, Paris, Milan, Madrid, Zurich, and Manchester. From the start, Muzinich has maintained a singular focus on corporate credit investments, seeking to preserve and compound client capital through rigorous fundamental credit research and active risk control in all market environments. Muzinich is an unaffiliated subadviser for the Floating Rate Fund, Fund For Income and Life Series Fund For Income. International Fund Fund For Income Floating Rate Fund Fixed Income Brandywine Global Investment Management, LLC ( Brandywine Global ) Brandywine Global specializes in international bonds with strategies offered across fixed income, equity and alternative asset classes. Founded in 1986 and a wholly owned subsidiary of Legg Mason since 1998, Brandywine Global is recognized as an industry leader in global fixed income management and a trusted provider of asset management solutions for institutions and individuals. The Firm, headquartered in Philadelphia, has offices in Montreal, Toronto, San Francisco, Singapore and London. Today, Brandywine Global continues to carry forward the original vision of its founding partners about the important diversification benefits of international bonds which can potentially provide attractive risk-adjusted returns over full investment cycles. Brandywine Global is an unaffiliated investment subadviser for the International Opportunities Bond Fund. Unaffiliated mutual fund families Mutual funds from unaffiliated mutual fund families may also be used in Premier Program Portfolios and are carefully selected and monitored on an ongoing basis by the Premier Program Team. American Funds from Capital Group American Funds bases its decisions on a long-term perspective, which they believe aligns their goals with the interests of their clients. American Funds' main goal is achieving superior, long-term returns, so their managers are rewarded for their results, not the level of assets they manage. Collectively, Capital Group associates are significant investors in the company s investment offerings. The Firm has over 7,000 associates worldwide serving the investment needs of individuals and institutions. American Funds is an unaffiliated fund manager for the American High-Income Municipal Bond Fund that was selected as an investment option. International Opportunities Bond Fund American High- Income Municipal Bond Fund

5 Premier Program Portfolios Dreyfus a BNY Mellon Company Dreyfus is recognized as one of the largest and most experienced money market fund managers in the industry catering to the specific cash management needs of today s sophisticated institutional, as well as retail, investors. Dreyfus offers money market funds in all major asset categories, including Prime, U.S. Government, Treasury, national and state-specific municipals, and AMT-free municipals. Dreyfus is an unaffiliated fund manager for the Dreyfus General Money Market Fund which is used as the cash option across Premier Program Portfolios. Dreyfus General Money Market Fund MFS Investment Management ( MFS ) MFS is one of the oldest mutual fund companies and considered a premier global asset manager. The Firm takes a collaborative approach to find insights and apply expertise through integrated research, global collaboration and active risk management. Risk management is embedded in the investment process. All portfolios adhere to systematic daily, weekly, monthly and semiannual monitoring and review and every member of the investment team is responsible for assessing risk. MFS offers a broad range of mutual funds, separate accounts and retirement planning products which are used to help build and manage investment portfolios. The Firm has offices in Boston, Toronto, London, Mexico City, Sao Paulo, Singapore, Sydney, Hong Kong and Tokyo. MFS is an unaffiliated fund manager for the MFS West Virginia Municipal Bond Fund and MFS Inflation-Adjusted Bond Fund. Franklin Templeton Investments ( Franklin Templeton ) Since 1947, Franklin Templeton Investments has delivered asset management to institutional, retail, and high-net-worth clients. The Firm is recognized as a global leader in asset management serving clients in over 150 countries. These locally based teams bring in-depth understanding of local companies, economies and cultural nuances, and share their best thinking across our global research network. The Firms' investment teams operate autonomously with each having a focused area of expertise from traditional to alternative strategies and multi-asset solutions. The Firm incorporates a fundamental and disciplined risk management approach into its investment process. Franklin Templeton is an unaffiliated fund manager for the Franklin Real Return Fund and Franklin Limited-Term Tax-Free Income Fund. Franklin Real Return Fund Franklin Limited- Term Tax-Free Income Fund MFS West Virginia Municipal Bond Fund MFS Inflation- Adjusted Bond Fund Neuberger Berman Founded in 1939, Neuberger Berman is a private, independent, employee-owned investment manager. The Firm manages equities, fixed income, private equity and hedge fund portfolios for institutions and advisors worldwide. With offices in 18 countries, Neuberger Berman s team is comprised of more than 2,100 professionals, and the company was named by Pensions & Investments as a 2013 and 2014 Best Place to Work in Money Management. Tenured, stable and long-term in focus, the Firm fosters an investment culture of fundamental research and independent thinking. Neuberger Berman is an unaffiliated outside fund manager for the Neuberger Berman Absolute Return Multi-Manager Fund. Neuberger Berman Absolute Return Multi-Manager Fund

6 Important Disclosures Investment advisory products and services are offered through Foresters Advisory Services, LLC ( FAS ), a registered investment adviser. Brokerage products and services, and life insurance and annuities are distributed through Foresters Financial Services, Inc. ( FFS ), a registered broker-dealer. FAS and FFS are affiliated companies. The Insurance products include those that are issued by Foresters Life Insurance and Annuity Company and The Independent Order of Foresters. Foresters Investment Management Company, Inc. is the investment adviser for the funds. All are subsidiaries of Foresters Financial Holding Company, Inc., a wholly-owned subsidiary of The Independent Order of Foresters. The Premier Mutual Fund Advisory Program ( Premier Program ) is a fee-based investment advisory service provided by FAS. Premier Program accounts are charged an annual asset-based fee that is billed quarterly, in advance. For complete information, you should refer to the FAS Form ADV Brochure, the Brochure Supplement for your Adviser and the relevant mutual fund prospectuses. Before investing, you should carefully consider the investment objectives, risks, charges and expenses of the mutual funds in any Premier Program Portfolio you may select. This and other information is contained in the mutual fund prospectuses, which you should read carefully before investing. To obtain a free prospectus for any of the Funds, please contact your Adviser, call or visit our website at forestersfinancial.com. To obtain a free prospectus for any other mutual fund, please visit the mutual fund company s website or contact your Adviser. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal. Investment returns and the principal value of an investment will fluctuate, so that when the investment is sold or redeemed, it may be worth more or less than the original cost. Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries including Foresters Advisory Services, LLC and Foresters Financial Services, Inc. PREMFAM R