The First Investors Advantage

Our ValuesWe strive to put clients’ interests first — Meeting clients’ needs is the cornerstoneof our business. By serving our clients well, our own success will follow.We will not compromise our integrity —The women and men of First Investorsmaintain the highest ethical standards in everything we do.We have a passion for excellence — We are motivated to perform to the best ofour abilities, while constantly aiming for improvement.We treat everyone with respect—In all of our interactions with clients and colleagues,we strive to be kind, caring and courteous.We have a strong work ethic — All members of the First Investors family are committedto working together as a team to deliver a high level of service to our clients and each other.Our Long Tradition Of ExcellenceIn 1930, as the country was gripped by the Great Depression, First Investors was foundedas one of the nation’s first distributors of mutual funds. Our objective was simple–to servethe financial needs of our clients.In 2011, First Investors took a dramatic step forward to grow its business when it wasacquired by Foresters TM , a thriving international life insurance provider that shares ourmission of helping everyday families.Today, we are one of the nation’s leading financial services firms, offering a full line ofmutual funds, annuities and life insurance products, serving a growing base of clients andoperating a network of offices nationwide.While much has changed over the years, one thing has not– our commitment to our clients.We take great pride in the fact that we have helped several generations of Americans reachtheir financial goals, and we are pleased to continue that tradition as we face thechallenges of the 21 st century.

First Investors—Unique In The IndustryWhen we began operations in 1930, there were just a handful of financialservices firms. Today,individuals have many companies from which to choose.Here’s what sets First Investors apart from other firms:A Personal ApproachAt First Investors, we are unique in how we serve our clients. We connect “Main Street toWall Street” through a network of financial services representatives located in offices coastto-coast.These representatives meet with clients face-to-face, taking the time to learn abouttheir current financial situations, risk tolerance and future goals. Our representatives workclosely with clients to recommend investment and life insurance products that can helppeople prepare for retirement, fund an education, reduce tax liability and safeguard theirfamilies’ futures. Like an old-fashioned doctor, we still make house calls. It is this high levelof personalized service that distinguishes First Investors from other firms.Independence And ExperienceIn this age of consolidation, many financial firms have evolved into international conglomeratesthat are so large and impersonal that they have lost touch with the clients they serve.In contrast, First Investors remains true to its roots. Our sales offices are a vital presence incommunities throughout the country. Our experienced management team maintains closecontact with our local offices, which enables First Investors to stay in tune with the evolvingneeds of clients.

A Focus On Long-Term GoalsThese days, it seems that too many individuals and firms concentrate solely on shorttermperformance. At First Investors, we’ve always stayed focused on the long term.Through several wars, numerous recessions, and bull and bear markets alike, we’veconsistently provided guidance to help our clients reach their long-term financial goals.Investment ExpertiseOur clients entrust their hard-earned dollars to us and we take that responsibilityvery seriously. To effectively manage our clients’ assets, we have assembled a teamof experienced investment professionals. This in-house staff of analysts and portfoliomanagers uses fundamental, quantitative and economic analyses in the disciplinedselection of securities for our mutual fund portfolios. While no investment is guaranteed,our goal is to produce solid, long-term results for our clients, while effectivelymanaging risk.

A Wide Range Of Products And ServicesFew firms our size offer as broad an array of products and services as we do. We offer anextensive line of mutual funds, including stock, bond and money market funds, each with itsown specific investment objectives and risks. Through our affiliate, First Investors LifeInsurance Company, we offer a range of life insurance and annuity products. For individualsseeking to build a nest egg for retirement, we offer Individual Retirement Accounts (IRAs),including both the Traditional IRA and the Roth IRA. We also offer college funding programs,such as Education Savings Accounts (ESAs) and 529 College Savings Plans. For ourbusiness clients, we offer a number of retirement programs including 403(b) plans,SIMPLE-IRAs, Simplified Employee Pensions (SEPs), 401(k) plans, 457(b) plans and qualifiedpension and profit sharing plans.Your financial services representative can help identify long-term needs by preparing a personalizedCollege Needs Analysis, Retirement Needs Analysis and Survivor NeedsWorksheet. Using these and other tools, your financial services representative can makeinvestment and life insurance recommendations that are custom-tailored to fit your situationand to help you achieve your financial goals.

The First Investors Family Of CompaniesWe represent a diversified financial network that includes an investment managementgroup, a life insurance company, a sales organization and a transfer agent, all under onecorporate umbrella. The integration of our wholly owned subsidiaries allows us to offer animpressive range of client services, maximize controls and efficiency and generate significantcost savings.First Investors Corporation is a registered broker-dealer that acts as underwriter and distributorof the First Investors family of mutual funds. Our products are available to individualinvestors through our network of financial services representatives housed in offices acrossthe nation.First Investors Life Insurance Company offers a range of insurance products such asvariable life, interest sensitive whole life and term life policies. In addition, the company offersvariable annuities, which offer tax-deferred accumulation of assets that can provide a guaranteedstream of income in retirement years. First Investors Life, a New York-domiciled company,consistently receives high ratings from major independent rating services for financialstrength and claims-paying ability. Whether you are an individual seeking tosafeguard your family’s financial future or a business owner looking to protect your company’sassets, your representative can help you with your life insurance and annuity needs.First Investors Management Company, Inc. is responsible for portfolio managementand accounting for the First Investors mutual funds, as well as the underlying portfolios of thevariable annuities and variable life insurance products offered by First Investors Life InsuranceCompany. Our portfolio managers select appropriate equity, fixed income and money marketsecurities that meet the objectives and requirements of each fund or subaccount. Theycontinuously monitor the performance of the portfolios using sophisticated informationtechnology systems. Our fund accounting department is responsible for calculating the dailypricing and net asset value (NAV) of the funds, as well as producing shareholder reports.Administrative Data Management Corp. (ADM), our transfer agent, supports our dataprocessing, administrative and customer service needs. ADM has a full-scale data center thatoperates 24 hours a day, seven days a week. ADM’s extensive capacity allows it to handle allof First Investors’ needs, as well as provide data processing, printing and mailing services for arange of other businesses, including telephone and insurance companies, advertising agencies,banks, brokerage firms and proxy solicitors.

Corporate DirectoryFirst Investors Corporation40 Wall StreetNew York, NY 10005-3830(212) 858-8000Shareholder Services (800) 423-4026Broker/Dealer Services (800) 524-2803www.firstinvestors.comFirst Investors Life Insurance Company40 Wall StreetNew York, NY 10005-3830(212) 858-8200First Investors Life Insurance Company (Administrative Offices)Raritan Plaza 1P. O. Box 7836Edison, NJ 08818-7836Policyholder Services (800) 832-7783First Investors Management Company, Inc.40 Wall StreetNew York, NY 10005-3830(212) 858-8000Administrative Data Management Corp.Raritan Plaza 1P. O. Box 7837Edison, NJ 08818-7837(800) 423-4026

For more information about any of the First Investors funds or First Investors Life variableinsurance products, you may obtain a free prospectus and summary prospectus by contactingyour financial services representative, writing to the address below, calling (800) 423-4026or visiting our website at www.firstinvestors.com. You should consider the investment objectives,risks, charges and expenses carefully before investing. The prospectus and summary prospectus,or in the case of a variable insurance product both its contract and underlying fund prospectus,contain this and other information, and all applicable prospectuses should be read carefullybefore you invest or send money. An investment in one of these products is not a bankdeposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation(FDIC) or any other government agency. Life insurance and variable annuities are issuedby First Investors Life Insurance Company, 40 Wall Street, New York, New York, 10005,and distributed by First Investors Corporation. Each company is a wholly owned subsidiaryof First Investors Consolidated Corporation.Foresters TM is the trade name and a trademark of The Independent Order of Foresters(“Foresters”), a fraternal benefit society. Its subsidiary, First Investors ConsolidatedCorporation (“First Investors”), is licensed to use this mark. First Investors Corporation is asubsidiary of First Investors Consolidated Corporation. All securities products are offeredthrough First Investors Corporration.40 Wall StreetNew York, NY 10005-3830www.firstinvestors.comFIAD (10/12-10M-LG)