N.B. This measurement does not include trailing commission revenue.

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1 Foresters Equity

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3 1. MEASUREMENT METHOD FORESTERS EQUITY SERVICES, INC. EXHIBIT A REGISTERED REPRESENTATIVE 2015 COMMISSION SCHEDULE Foresters Equity s measure of production is Gross Dealer Concession (GDC). The production measurement for increased commission payout and benefits is based on a rolling 12 months per the grid below. The increased payout is calculated on the threshold attained and paid on all sales above the threshold. This payment is not retroactive to the first dollar. Your annual GDC production requirement to maintain your license with Foresters Equity is based on actual year to date GDC totals. N.B. This measurement does not include trailing commission revenue. 2. COMMISSIONS Commissions are payable at your contract % of the total GDC received by Foresters Equity. The payout increases as each threshold below is achieved on the standard contract only. Standard Contract GDC Payout Monthly Fee Benefit Level MINIMUM $10,000 70% $90 Level 1 $20, % $45 TARGET $30, % $0 A, BRONZE $60, % $0 A, B SILVER $90, % $0 A, B, C GOLD $125, % $0 A, B, C, D,G PLATINUM $175, % $0 A, B, C, E,G EX. PLATINUM $250,000 * $0 A, B, C, F,G DIAMOND $300,000 ** $0 A, B, C, F, G * Manager payout is 92.5% ** Manger payout is 95% Rep payout agreed to by rep and branch manager; affirmed contractually in writing by home office 1

4 Benefit Level A Broker Fee waived ( Rolling 12 months) Basic Software Subscription by request with qualified Partner Vendor up to B $500 C Complimentary Website through Emerald up to $750 D $100 Monthly Marketing Stipend E $200 Monthly Marketing Stipend F $300 Monthly Marketing Stipend 10M book of business or greater, trailing commission included in production totals. Rep must notify commissions when they achieve this level to qualify G for the benefit. No one is grandfathered at prior year levels. o Foresters Equity reviews your rolling 12 GDC once a month after the last commission run of the month. The rolling 12 GDC totals are used to update your commission payout % and waive or charge your monthly broker fee and are effective on the first commission run of the subsequent month. o When GDC production falls below 30,000 on a rolling 12 basis the monthly broker fee is reinstated. o Your annual GDC production requirement to maintain your license with Foresters Equity is based on actual year to date GDC totals. o Contracts dropped to the 55% or 50% for low production will not automatically revert to the standard contract (70%). Once 10,000 GDC is achieved, Registered Representatives must submit request via a new contract designation to be placed on the higher contract. o Gross Dealer Concession (GDC) for production measurement based on a rolling 12 month period is available on the website and is updated after each commission run. o Gross Dealer Concession (GDC) for your annual minimum production requirement based on actual year to date is available on the website and is updated after each commission run. o The rolling 12 totals do not match your commission statement because: 1. It is run on a rolling 12 months and the commission statement is YTD 2. It does not include trailing commissions and your commission statement totals do. Minimum Production Quarterly Guidelines (Notes :) a. These are guidelines. Management reserves the right to apply these guidelines flexibly to meet individual circumstances) b. Except as noted in the Benefit Grid, production does not include trail commissions Registered Representatives on the reduced contract (50%) with a $3,750 minimum GDC requirement and $100 monthly broker fee based on actual year to date GDC. First Quarter End Expected GDC production $937. Second Quarter End Expected GDC production $1,875. Third Quarter End Expected GDC production $2,812. Fourth Quarter End Expected GDC production $3,750. Registered Representatives on the reduced contract (55%) with a $5,000 minimum GDC requirement and $100 monthly broker fee based on actual year to date GDC. First Quarter End Expected GDC production $1,250. Second Quarter End Expected GDC production $2,500. Third Quarter End Expected GDC production $3,750. Fourth Quarter End Expected GDC production $5,000. 2

5 Registered Representatives on the standard contract with a $10,000 minimum GDC requirement and $90 monthly broker fee based on actual year to date GDC. First Quarter End Expected GDC production $2,500. Second Quarter End Expected GDC production $5,000. Third Quarter End Expected GDC production $7,500. Fourth Quarter End Expected GDC production $10,000. If you are below the expected minimum at the end of the second quarter a warning will be sent to your sanctioned address. Based on your individual commission contract, your production based on actual year to date must be at the expected minimum specified above by the end of the third quarter of the year. At that time if your production is: Below $300 GDC, you will be terminated, your U5 will be filed reflecting termination for low production and you will no longer be licensed with Foresters Equity. GDC between $300 and $3,749 the Registered Representative may retain their registration with Foresters Equity but will be placed on a 50% contract with $100 broker fees. GDC between $3,750 and $9,999 the Registered Representative may retain their registration with Foresters Equity but will be placed on a 55% contract with $100 broker fees. $10,000 and above you will remain licensed with Foresters Equity at the standard contract. 1. BROKER FEES Refer to Schedule B on page four for a complete explanation of Broker Fees. Monthly Broker Fees are payable in accordance with Schedule B of your contract. GDC Fee $0.00 to $ 9,999 on Reduced Contract $100/Month $10,000 to $20,000 on Standard Contract $90/Month $20,001 to $29,999 on Standard Contract $45/Month Greater than $30,000 on Standard Contract No Fee 2. BENEFITS Benefits are acquired when the appropriate GDC threshold is attained based on a rolling 12 months. Benefit B Basic Software subscription software is acquired when $60,000 GDC level is attained and remains in effective for 12 consecutive months. Example: As of September 2014 the level is attained. Foresters Equity provides the subscription of your choice until September 2014, where at that time you have either; reached the 2015 minimum production requirement for this Benefit and the Benefit continues, or you have not, and the subscription expires. 3. TRAIL COMMISSIONS (12b-1 FEES) The standard payout for trailing commissions is the contracted percentage or higher based on GDC thresholds attained of what Foresters Equity receives from the investment companies and variable carriers. There is no bonus or override paid on trailing commissions. Trailing commissions are not included for the purpose of determining increased payouts, benefits, or production measurements for awards or minimum qualifications. Trailing commissions are paid upon receipt of payment from the investment companies and variable carriers. 3

6 FORESTERS EQUITY SERVICES, INC. SCHEDULE B REGISTERED REPRESENTATIVE 2015 FEE SCHEDULE Monthly Broker Fee Standard Contract fee is $90. Reduced Contract fee is $100 These fees are automatically drafted from your bank account on/around the 5 th each month via ACH bank draft. These fees cover the following: Contract Fee Affiliation Registration Technology Compliance Marketing (Administrative services/back office support) (Clearing firm/consolidated statements, ACATS tracking) (License & Registration processing, Branch Registration) (Software support, FESCO Web site, Electronic Commissions, Commission Viewing)) (Compliance Audit, CIP, Advertising review, Principal review of business) (Brochures, Collateral, Recruiter Support, Retirement Plans support) Clearing and Brokerage Charges transactions processed through Southwest Securities. Mutual Funds - The following ticket charge is limited to those funds that Southwest Securities processes via NSCCs Networking environment. There is no ticket charge applied when the transaction is done directly with the Investment Company. The ticket charge is $6 per transaction on all new purchases of mutual funds that are executed through SWST. You have the choice to pass this charge to your customer provided the proper disclosure is given to the client up front before the purchase or redemption takes place. The SWS Ticket charge disclosure form can be obtained on the FESCO website library of forms. Renewal License Fees Federal, FINRA, and/or state renewal licensing fees will be paid by the Registered Representative. Registered Representatives must keep all required registrations current to remain licensed with Foresters Equity. The following is an estimated list of annual renewal fees. Residence State License Varies by state Non-Residence State License Varies by state FINRA Registered Representative renewal- $160 One Time Fees: The following fees will be charged upon becoming licensed with Foresters Equity FINRA Registration Fee- $ which includes the fingerprint processing fee, personnel assessment fee, termination fee (required upfront) and the background check fee. Initial State Fee(s) Including Resident/Non-Resident (VARIES BY STATE) Exam Fees for Reps new to industry (VARIES BY EXAM) U4 DRP Disclosure Fee- $ (IF APPLICABLE) Lapsed license request FINRA to reinstate fee $100 *Disclosure Review fee only applies when there are 1 or more YES answers on page 3 of the U-4. Each YES answer will require a fee of $110. 4

7 Late Disclosure Fee $100 for the first day an applicable disclosure event is not timely filed and $25 for each subsequent day, up to a maximum of 60 days and $1,575 in fees. NOTE WELL: As a Registered Representative with Foresters Equity/FINRA it is your responsibility to notify Foresters Equity Services/FINRA of all new or updated reportable disclosure events within 30 days of occurrence (upon initiation and again upon completion or discharge) or a late fee will be applied by FINRA which is passed on to you the Registered Representative. Compliance Requirements: Registered Representatives are responsible for all expense associated with the annual Compliance Program. This consists of the Firm Element Continuing Education, 3 modules, the annual Compliance Questionnaire, the annual Compliance Meeting (lecture) and the annual Outside Business Activity (OBA) form update. The 2014 program was administered through CFM Partners and the total cost for the package was $42.00 per rep. Registered Representatives are responsible for the $100 expense associated with the FINRA regulatory continuing education element. These fees are charged to Foresters Equity by FINRA and the cost is passed on to the Registered Representative as a charge through the commission statement. E&O Insurance Registered Representatives must obtain and provide certificate of proof of E&O Insurance annually. Insurance must meet Foresters Equity minimum criteria of $1 million coverage. Foresters Equity requires all Registered Representatives to use the Foresters sponsored 2015 Errors & Omissions Program available to all producers contracted with Foresters, and Foresters Equity Services, Inc. This plan is effective February 1, 2015 to January 31, This year the administration of premium payments, inquiries, and claims will all be handled by the program administrator. Contact CalSurance (800) or info@calsurance.com Chargebacks/Debt Balances *Adjustments will be made to the Registered Representative s commission payments during the term of this Agreement and post termination to the extent necessary for the following: (1) If any charges to a Registered Representatives commission statement result in a debit balance any amounts owed are due and payable to Foresters Equity upon receipt of statement when there is no commission revenue generated to cover the debt. Registered Representatives are responsible for any debt owing Foresters Equity upon their termination with the firm. (2) Cancellations: If the VUL or VA policy is canceled within the chargeback period (as defined in the variable carrier s contract), the applicable amount of the commission paid to the Registered Representative will be charged back to the Registered Representative. (3) Lapses: If a VUL policy lapses, the full amount of the commission paid to the Registered Representative will be charged back to the Registered Representative in accordance with the variable carrier s contract. (4) Rescissions: Any contract that is rescinded by the Insurer may result in commission being charged back to the Registered Representative. (5) Free Look: If a VUL or VA contract is returned to an Insurer pursuant to any Free Look provisions of the contract, the full amount of commission paid to the Registered Representative will be charged back to the Registered Representative. (6) Surrenders: If a VUL or VA contract is surrendered, the applicable amount of the commission paid to the Registered Representative will be charged back to the Registered Representative in accordance with the variable carrier s contract. 5

8 Foresters Equity Services, Inc. Introduces The Leader in CRM Software for Financial Services Foresters Equity Services, Inc. has negotiated special discount pricing for our advisors to help you increase sales, retain your clients, and run your office more efficiently. Foresters Equity Advisors SAVE 15% with this Special Offer! Our unique ClearView Screen is so easy to use! "Advisors Assistant is an indispensable tool for my investment advising practice. I couldn t manage without it! The program is quick, user friendly, comprehensive, and can handle endless amounts of clients and data. Those issues are very important to my firm which has been providing financial services for over 20 years and monitors investments in excess of $100M." Tom Morrison, CFP, CPA - IL Advisors Assistant is a powerful marketing tool that combines contact management with optional investment tracking and insurance tracking. It makes it easy to stay in touch with clients and prospects and to provide world class customer service. A recent industry survey found that the #1 reason clients change advisors is lack of communication--they're not being contacted enough. Don't let this happen to you. Keep your clients from straying to other advisors. Put Advisors Assistant to work now and watch your business grow and prosper! Web-Based or Computer-Based FREE Support and Updates 30 Day Money Back Guarantee Call for a FREE Demo Disc or download online If you don't contact your clients on a regular basis...someone Else Will

9 With Advisors Assistant You Can... Track clients, prospects, investments, insurance, insurance commissions, and more for one advisor or an entire office Send s, letters, envelopes, and labels quickly and easily Search your client and prospect files for potential sales, review dates, age changes, birthdays, and more Synchronize with Smartphones and other devices Archive s automatically Achieve superior time management with the Interactive Dashboard and Workflows Schedule appointments, tasks, projects, and more with the built-in Calendar which also synchronizes with Outlook Download client names, addresses, and investment transactions from DST FAN Mail, Pershing, Fidelity/NFS, TD Ameritrade, Schwab, LPL, and many more Track any type of investment, globally update market values, calculate time and dollar weighted rates of return Effortlessly transfer data to Excel, Laser App, Morningstar, MoneyGuidePro, TradeWarrior, and more Move your data from most other programs Print great-looking consolidated reports and graphs FREE World Class Support, Training and Updates 30 Day Money Back Guarantee Order by phone VISA, Mastercard, American Express, Discover, Check by Phone Foresters Equity Services, Inc. 15% Discount Pricing Examples Advisors Assistant Single User and Network Versions CRM & CRM, Insurance, & 2nd and each Web-Based Transaction Additional Monthly Cost CRM Only Single User $29.75 $97.75 $ $ Users $41.65 $ $ $ Users $67.15 $ $ $ Users $ $ $ $ Users $ $ $ $25.50 Computer-Based Annual Cost CRM & Transaction CRM, Insurance, & 2nd and each Additional CRM Only Single User 1st Year Cost $ $1, $1, $ Users 1st Year Cost $ $1, $1, $ Users 1st Year Cost $1, $1, $2, $ Advisors Assistant MultiProducer Version Additional security is available so users can be set up to only access one advisor s clients, multiple client lists, or the entire database. Web-Based Monthly Cost CRM & Transaction CRM, Insurance, & 2nd and each Additional CRM Only 10 Users $ $ $ $ Users $ $ $ $ Users $ $ $ $ Users $ $ $ $25.50 Computer-Based Annual Cost CRM & Transaction CRM, Insurance, & 2nd and each Additional CRM Only 10 Users 1st Year Cost $2, $3, $3, $ Users 1st Year Cost $4, $5, $5, $ Users 1st Year Cost $7, $8, $8, $ Call for your specific configuration pricing. Scanning Solutions also available.