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Important Footnotes and 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 First Investors 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. You may obtain a free prospectus for any First Investors Fund by downloading it from our website, contacting your Adviser, or contacting Foresters Advisory Services, LLC. 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 the 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, Foresters Financial Services, Inc., Foresters Life Insurance and Annuity Company, and Foresters Financial Holding Company, Inc.


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