2024-11-14T16:53:09-07:00 2023-12-31 990 2023-01-01 980000680 INDEPENDENT ORDER OF FORESTERS INDE 4164293000 789 Don Mills Road Toronto Ontario CA M3C 1T9 Balina Bawa VP, Global Tax Compliance&Planning 4164672537 2024-11-14 1 2023 2024-10-15 13:58:12Z Rene Zanin 789 Don Mills Road Toronto Ontario CA M3C 1T9 928907905 0 1783 X www.foresters.com X 1881 CA Foresters is a fraternal benefit society that provides financial services products and unique benefits to its members and their families. Through its member-governed Branch network, Foresters members are provided opportunities to organize and participate in local volunteer activities and family-focused events. Within this model of community service, Foresters lives its purpose of enhancing the well-being of its members, their families and their local communities. 15 14 81 5374 0 0 0 0 739836317 566059865 -809198494 342090094 912780297 20757946 843418120 928907905 8287044 9891251 495380005 409273042 89635905 87633490 0 0 0 163646250 307789904 756949204 814587687 86468916 114320218 5126809799 5161949709 3589783829 3623779354 1537025970 1538170355 Foresters Common Bond informs its purpose is to champion the well-being of its members, their families and communities where they live, which it does through quality life insurance, unique member benefits, and inspiring community activities. Foresters is governed by its members. 0 0 793365934 Insurance Benefits: Foresters provided Insurance Benefits, including life, health and annuity benefits, for approximately 2,306,794 members across the United States, Canada and the United Kingdom. The cost for providing such insurance benefits was approximately $793 million, excluding changes in actuarial reserves. 9203527 Fraternal Benefits and Grants: Foresters provide its members, at no additional cost, with a variety of fraternal benefits outside of the traditional insurance benefits described above. These benefits demonstrate Foresters commitment to the purpose of assisting members, enhancing their well-being, and benefiting their communities. These benefits provide aid in times of trouble, illness or need. The following programs were funded by Foresters for its members. Competitive Scholarship Program (US/Canada/UK): - Foresters granted 370 scholarships valued at $2,500/year in local currency in North America and £1,000/year in the UK, to members, their spouses, children and grandchildren. This benefit was awarded based upon academic credentials and participation in charitable and philanthropic activities. Foresters provided approximately $886,316 towards the Competitive scholarship program in 2023. Foresters Renew Program (US/Canada/UK): - Foresters granted 370 scholarships valued at $1,000/year in local currency in North America and £1,000/year in the UK, to members, their spouses, children and grandchildren. This benefit was awarded based upon academic credentials and participation in charitable and philanthropic activities. Foresters provided approximately $320,396 towards the Renew program in 2023. Lifelong Learning/LawAssure (US/Canada/UK): - Foresters provided these two personal assistance benefits to Foresters members who are seeking learning & development in areas such as but not limited to financial planning, health & wellness, and professional development... as well as access to an online document preparation tool to support in documental creation such as Wills & Power of Attorney". Lifelong Learning allows Foresters members to explore learning opportunities through a customizable online platform where they can learn at their own pace and track their progress. Lifelong Learning provides members with access to over 200 in-demand, personal development courses and is offered to Foresters members in all geographic areas. It cost approximately $146,049 to fund this benefit in 2023. LawAssure is an online document preparation service that gives you access to customizable documents, making it simple and convenient. Members can create customizable wills, powers of attorney and healthcare directives from the comfort of their own home. It cost approximately $243,876 to fund this benefit in 2023. Connected Health Program/Foresters Go Dacadoo (US/Canada/UK): - Foresters Go is digital wellness app-based benefit where members can proactively track their diet and fitness habits using different wellness features and earn reward points. Purpose & Community (P&C) is a purpose-driven section of this member benefit designed to reward members and boost their wellbeing through volunteering. In 2023, over 9,604 participated in the Foresters Go program and earned rewards points from downloading and registering the Foresters Go app, from promotions and in-app activities and challenges. It cost over $1.8 million to fund this program in 2023. Critical/Terminal Illness benefits (US/Canada): - In 2023, 198 Foresters members received approximately $457,283 in critical illness benefits to help defray the cost of health care. Orphan Benefits (US/Canada): - In 2023, Foresters provided approximately $238,124 to legal guardians for care and support of orphans. Additionally, orphans received four years college scholarships. Senior Member Benefits (US/Canada): - Foresters provided complete residential housing and/board for 22 of its most needy members at two retirement homes. In 2023, approximately $787,348 in services were provided. Funding Local Community Activities - Granting (US/Canada/UK): - In 2023, Foresters contributed approximately $3.39 million to the Branch Network in the US, UK and Canada. These funds are held in trust in separate accounts and is administered by the Foresters staff on behalf of Foresters Branches in the US, UK and Canada. Members can apply for these funds to carry out fraternal and community volunteer activities. In 2023, 4,492 activities took place engaging 30,920 members. These funds were used to organize community involvement activities that responded to a real need in a member's community supporting charitable organizations such as children's hospitals, local Boys and Girl Clubs. Related to this initiative, Foresters also supports strengthening families by allowing members to apply for funding to organize fun-family activities in their communities. The funds held in the Branch Network are used to support these types of activities as well. Member Engagement Activities (US/Canada/UK): - In 2023, Foresters invested over $355,585 in engaging our members in social activities designed to give back to our members and teach them about the benefits available to them, and volunteer activities designed to give back to our communities and teach them how to volunteer and host activities on their own. 12018226 Foresters Community Partnerships: Every year, Foresters offers direct support to charities that enhance the well-being of families and communities. Partnerships with non-profit organizations like, but not limited to, Whole Kids Foundation, National Clean-Up (Clean Trails), Evergreen Foundation, and Cash for Kids (in the UK) make this possible at a local level. Members work with these organizations, lending their time to improve the quality of life and well-being of local families and their communities. Sustainability Partnerships: To support giving back to our communities and investing in educating our members and their families on the importance of living a sustainable life, Foresters has partnered with the following organizations: The Whole Kids Foundation: - The Whole Kids Foundation supports children and their families in learning about nutrition and wellness. By partnering with organizations like Foresters, the Whole Kids Foundation helps provide grants for school gardens and organizes sustainability activities like pollinator preservation events. Evergreen - Evergreen champions sustainable change in communities across Canada to help make cities more livable, green and prosperous. Since 2020, Foresters has partnered with Evergreen to create a series of sustainable gardens at the Evergreen Brick Works site in Toronto, Ontario, that supports pollinators, provides access to nutritious food, and fosters a regenerative ecosystem. Clean Trails/National Cleanup Day: - Clean Trails is a community of people focused on keeping the world's natural spaces and the trails that pass through them clear of litter. National Cleanup Day is an initiative by Clean Trails that calls on people to join or start a cleanup project in their communities. One Tree Planted: - One Tree Planted uses donations from people and businesses to plant trees in areas that need them most to help fight climate change. Individuals can get more directly involved by starting fundraisers or becoming tree ambassadors and organizing their own tree planting initiatives. In 2023, Foresters invested about $236,000 to support building gardens in member communities across US, UK and Canada. Playground Builds: To provide equitable access to safe play spaces across the 3 countries that we represent (US, UK, and Canada), Foresters has partnered with the following organizations: KaBOOM! (NA): - KaBOOM! is a national non-profit organization dedicated to bringing balanced active play into the daily lives of all kids. With the help of members, employees, and our sales partners, we built 2 playgrounds in 2023, one in Asheville, North Carolina, and the other in Toronto, Ontario, Canada. Timotay Playscapes (UK): - Timotay designs and installs playgrounds for schools, nurseries, and public spaces for children of all ages and abilities, recognizing that outdoor play is not just for fun, but it is an important part of every child's physical, social, educational, and cognitive development. In 2023, with the help of members and employees, we built 1 playground in London, England. In 2023, Foresters invested about $332,000 to support building equitable and safe playspaces for children in communities across US, UK and Canada. Cash for Kids (UK): Cash for Kids is an umbrella brand for Bauer Radio's network of registered local charities. Since 2009, Foresters has been working with Cash for Kids to provide volunteer opportunities for our members that support children and family time. In 2023, Foresters provided approximately $29,845 to sponsor the Cash for Kids Mission Christmas campaign. With this support, the campaign raised over £8 million in cash, gifts and toys and helped almost 200,000 children and their families to have a better holiday season. Throughout November and December, Foresters staff hosted virtual events throughout UK, where members and their families created care packages for these disadvantaged children. 0 0 0 814587687 0 0 0 0 0 0 0 0 0 1 0 0 1 1 0 0 1 0 1 1 1 1 0 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 1 10044 0 1 81 1 0 1 CA UK 0 0 0 0 1 0 X 15 14 0 0 0 0 1 1 0 1 1 0 1 1 1 1 1 1 1 1 1 1 0 CA X Terence Chan 6472101097 789 Don Mills Road Toronto Ontario CA M3C 1T9 Louis Gagnon President and Chief Executive Officer 50 X 3277036 0 0 Matthew Berman President, Foresters US and Canada 50 X 1435641 0 0 Alvin Sharma Global Chief Financial Officer & Chief Actuary 50 X 716824 0 0 Mehul Kapadia SVP & Global Chief Information Officer 50 X 689657 0 0 Rene Zanin Interim President & Chief Executive Officer 50 X 587967 0 0 Mark Rush Chief Distribution Officer, US Sales 50 X 493748 0 0 Marcia Mendes-d'Abreu Chief Human Resources Officer 50 X 488196 0 0 Jon Stephen McDonald Vice President, Special Projects 50 X 460077 0 0 Guarav Upadhya Global Chief Actuary & Chief Risk Officer 50 X 426291 0 0 Trudy Engel Vice President and Appointed Actuary 50 X 360469 0 0 Parker Brown General Counsel & Vice President, Vendor Management & Data Governance 50 X 338809 0 0 Sujeether Kumareswaran Vice President, Capital, Business Planning and Strategy 50 X 319089 0 0 Daniel Fortin Director 5 X 312285 0 0 Caroline Rendall Chief Risk Officer 50 X 310777 0 0 Patricia Colavita SVP and Chief Internal Auditor 50 X 308113 0 0 Henry Auyeung President, Canadian Division 50 X 305792 0 0 Bruce Burak AVP, US Sales 50 X 296538 0 0 Ken Adams Vice President, Total Rewards 50 X 294472 0 0 Charles Morrison AVP, US Sales 50 X 288033 0 0 Kelly Steinmetz AVP, US Sales 50 X 287424 0 0 Douglas Parrott Assistant Vice President, Chief Underwriter-North America 50 X 265185 0 0 Meghan Seybold Vice President, Talent Management & Business Partners 50 X 244771 0 0 David Sullivan AVP, Claims, Compensation and Contracting 50 X 244563 0 0 Julia Fantilli VP, US Customer service and New Business 50 0 X 235462 0 0 Balina Bawa Vice President, Global Tax Compliance and Planning 50 X 225577 0 0 Richard P Hennick Director 5 X 215000 0 0 JS Ledoux Assistant Vice President, Product Management 50 X 212702 0 0 Clark Wagner Chief Investment Officer 50 X 205333 0 0 Ian Collins Chief Compliance Officer, Chief Privacy Officer & Chief Anti-Money Laundering Officer (all Interim) 50 X 201622 0 0 Terence Chan Vice President, Finance 50 X 195689 0 0 Gerry Salvatore Assistant Vice President, Sales Operations & Business Development 50 X 192435 0 0 Jeremy Wing Vice President, Pricing and Advanced Analytics 50 X 184136 0 0 Nagesh Chawla Vice President, Enterprise Technology and Cybersecurity 50 X 183047 0 0 Wendy Mao Assistant Vice President, US Reporting 50 X 179968 0 0 Vivian Yip Assistant Vice President, Business Planning 50 X 174536 0 0 Kris Sarkissian AVP, IT Operations 50 X 172063 0 0 Colette Atkinson Assistant Vice President, Policy & Capital Management (On Leave) 50 X 169712 0 0 Kelly Shum AVP, Financial Management Operations 50 X 168519 0 0 Zol Mellary AVP, Project Management Office 50 X 163692 0 0 Linda Watters Director 5 X 162667 0 0 Sonal Vyas Assistant Vice President, Finance Transformation 50 X 156817 0 0 Chris Sehnke AVP, Business Intelligence & Analytics 50 X 154942 0 0 Fatima Smart AVP, HR Operations 50 X 153104 0 0 Dan Drimmie AVP, Project Management 50 X 152147 0 0 Gino Scapillati Director 5 X 147118 0 0 Janice Madon Director 5 X 144692 0 0 Sonia Ameena Boxendale Director 5 X 142092 0 0 Wendy A Watson Director 5 X 141000 0 0 Michael P Stramaglia Director 5 X 139666 0 0 Katherine A Bardswick Director 5 X 137037 0 0 Michael Lombardi Director 5 X 137037 0 0 Robert W Wight Director 5 X 134611 0 0 Shelly Herman Director 5 X 133600 0 0 Cindy Worley Director 5 X 133600 0 0 Shelley Wilson Corporate Secretary (Interim) 50 X 127170 0 0 18128550 0 0 137 0 1 0 CGI Information Systems and Management Consultants Inc 150 Commerce Valley Drive West Markham Ontario CA L3T 7Z3 Project Support 19013743 Symmetry Financial Group 204 Whitson Ave Swannanoa NC 28778 Sales 6621544 Superior Performers Inc 1214 Turrentine St Burling NC 272156836 Sales 6075045 PHP Agency Inc 16650 Westgrove Drive Addison TX 75001 Sales 5835054 789 DON MILLS DEVELOPMENTS INC 789 Don Mills Road Toronto Ontario CA M3C 1T9 Project Support 5041708 217 0 Insurance Revenue 524298 566059865 0 0 566059865 0 0 0 0 566059865 342090094 0 0 342090094 0 0 0 0 0 0 0 0 0 0 0 0 Other income 524298 48345558 0 0 48345558 Other comprehensive income 524298 -27587612 0 0 -27587612 0 0 0 0 20757946 928907905 0 0 928907905 2660407 2660407 3510482 3510482 3720362 3720362 409273042 409273042 18128550 18128550 0 0 54151241 54151241 2324061 2324061 8742769 8742769 4286869 4286869 1095303 1095303 3818796 3818796 0 0 1208146 1208146 5702895 5702895 25967015 25967015 0 0 1359171 1359171 2568715 2568715 5227745 5227745 8779441 8779441 993219 993219 Medical fees 5828185 5828185 0 0 Change in insurance contract reserves liability due to economic drivers (NFE) 257618730 257618730 0 0 Tax loss carryforward benefit recognition -14515818 -14515818 0 0 Other general expenses 1792523 1792523 0 0 345838 345838 814587687 814587687 0 0 26529438 20192555 110597610 63365552 0 32121145 34653024 0 343691899 129879937 0 2855246 909160 10647134 9734199 2448724 912935 3476100044 3816349770 193770105 201700521 0 25630810 25714717 913064778 868271538 5126809799 5161949709 18510403 20718870 3571273426 3603060484 3589783829 3623779354 X 0 0 0 0 1537025970 1538170355 1537025970 1538170355 5126809799 5161949709 X 114320218 0 0 0 0 -113175833 X 0 1 X 1 0 0 0 0 0 0 0 0 0 0 0 0 10647134 0 9734199 912935 0 0 0 0 912935 Mortgage loans receivable 140236351 Derivative financial instruments 4676433 Seg fund, Seo account, Unit-linked assets 45624858 Reinsurance assets 303314959 Other assets 60704523 Leased assets 1382617 Investment in subsidiaries 297052027 Current & deferred income taxes 15279770 868271538 0 Insurance contracts (including benefits payable) 3279289436 Liability for deposit-type contracts 11708827 Other liabilities 36416975 Employee benefit obligation 41786604 Seg fund, Sep account, Unit-linked liabilities 45624858 Leased liabilities 718870 Subordinated debt 187514914 3603060484 1 North America (including Canada and Mexico, but not the United States) Scholarships 179670 North America (including Canada and Mexico, but not the United States) Foresters Renew/ISTS 44454 North America (including Canada and Mexico, but not the United States) Law Assure 76675 North America (including Canada and Mexico, but not the United States) Lifelong Learning 45918 North America (including Canada and Mexico, but not the United States) ForestersGO 593797 North America (including Canada and Mexico, but not the United States) Critical/Terminal Illness Benefits 399430 Europe (including Iceland and Greenland) Member Deals 36264 North America (including Canada and Mexico, but not the United States) Orphan Benefit 16004 North America (including Canada and Mexico, but not the United States) Senior Member Benefit 135881 North America (including Canada and Mexico, but not the United States) Grants to CA Branch Ntwk 451317 North America (including Canada and Mexico, but not the United States) Member Engagement 48002 North America (including Canada and Mexico, but not the United States) Charitable Support 277872 Europe (including Iceland and Greenland) Grants to UK Branch Ntwk 955871 Europe (including Iceland and Greenland) Member Engagement 74159 Europe (including Iceland and Greenland) Scholarships 113647 Europe (including Iceland and Greenland) Foresters Renew/ISTS 155442 Europe (including Iceland and Greenland) Charitable Support 115960 0 0 3720363 North America (including Canada and Mexico, but not the United States) Grants to CA Branch 451317 North America (including Canada and Mexico, but not the United States) Member Engagement 48002 North America (including Canada and Mexico, but not the United States) Charitable Support 277872 Europe (including Iceland and Greenland) Grants to UK Branch 955871 Europe (including Iceland and Greenland) Member Engagement 74159 Europe (including Iceland and Greenland) Charitable Support 115960 2237 0 Scholarships North America (including Canada and Mexico, but not the United States) 95 179670 Foresters Renew/ISTS North America (including Canada and Mexico, but not the United States) 125 44454 Law Assure North America (including Canada and Mexico, but not the United States) 876 76675 Lifelong Learning North America (including Canada and Mexico, but not the United States) 342 45918 ForestersGO North America (including Canada and Mexico, but not the United States) 1979 593797 Critical/Terminal Illness Benefits North America (including Canada and Mexico, but not the United States) 144 399430 Member Deals Europe (including Iceland and Greenland) 1387 36264 Orphan Benefit North America (including Canada and Mexico, but not the United States) 2 16004 Senior Member Benefit North America (including Canada and Mexico, but not the United States) 0 135881 Scholarships Europe (including Iceland and Greenland) 66 113647 Foresters Renew/ISTS Europe (including Iceland and Greenland) 120 155442 0 0 1 0 1 0 Schedule F, Part I, Line 2 Foresters develops legally binding contractual agreements with our partners to clearly define the intended use of all monies and outlines the deliverables required. This is done to ensure that all funds are put to their intended purposes as agreed upon. Foresters employs a team of individuals, including relationship managers, program managers and field staff to ensure the attainment of such deliverables, which include: early partnership impact reports, copies of all awareness/marketing materials, detailed advertising campaigning schedules, member volunteer activity guides and on-site assessments of partnership activities. Schedule F, Part II, Line 2 We have instead included total number of grants provided outside the US on Line 2 of Part II of Sch F. 1 US Branch Network 1986644 Member Engagement 233423 Clean Trails Inc 835-1312 17th Street Denver CO 80202 463516124 17443 Whole Kids Foundation 550 Bowie Street Austin TX 78703 451761682 100087 Make a Wish America 1702 East Highland Ave Phoenix AZ 85016 860481941 10000 KaBOOM 4301 Connecticut Avenue NW Washington DC 20008 521970904 294504 4 2 Scholarships 209 593000 Foresters Renew/ISTS 125 120500 Law Assure 1910 167201 Lifelong Learning 747 100131 ForestersGO 4317 1294863 Critical/Terminal Illness Benefits 56 361200 Orphan Benefit 20 222120 Senior Member Benefit 0 651466 Schedule I, Part I, Line 2 Foresters develops legally binding contractual agreements with our partners to clearly define the intended use of all monies and outlines the deliverable required. This is done to ensure that all funds are put to their intended purposes as agreed upon. Foresters employs a team of individuals, including relationship managers, program managers and field staff to ensure the attainment of such deliverables, which include: early partnership impact reports, copies of all awareness/marketing materials, detailed advertising campaigning schedules, member volunteer activity guides and on-site assessments of partnership activities. X X X X X 1 1 0 Louis Gagnon President and Chief Executive Officer 348360 0 2003422 0 925255 0 0 0 0 0 3277037 0 Rene Zanin Interim President & Chief Executive Officer 285249 0 302716 0 2 0 0 0 0 0 587967 0 Alvin Sharma Global Chief Financial Officer & Chief Actuary 322294 0 394528 0 2 0 0 0 0 0 716824 0 Matthew Berman President, Foresters US and Canada 406923 0 1002996 0 25721 0 0 0 0 0 1435640 0 Guarav Upadhya Global Chief Actuary & Chief Risk Officer 140772 0 264407 0 21112 0 0 0 0 0 426291 0 Marcia Mendes-d'Abreu Chief Human Resources Officer 281545 0 206649 0 2 0 0 0 0 0 488196 0 Mehul Kapadia SVP & Global Chief Information Officer 350000 0 329184 0 10474 0 0 0 0 0 689658 0 Henry Auyeung President, Canadian Division 154664 0 131681 0 19446 0 0 0 0 0 305791 0 Patricia Colavita SVP and Chief Internal Auditor 191354 0 116757 0 2 0 0 0 0 0 308113 0 Caroline Rendall Chief Risk Officer 202353 0 108422 0 2 0 0 0 0 0 310777 0 Balina Bawa Vice President, Global Tax Compliance and Planning 175455 0 50120 0 2 0 0 0 0 0 225577 0 Clark Wagner Chief Investment Officer 205233 0 0 0 0 0 0 0 0 0 205233 0 Terence Chan Vice President, Finance 160199 0 35488 0 2 0 0 0 0 0 195689 0 Jon Stephen McDonald Vice President, Special Projects 238702 0 141811 0 79564 0 0 0 0 0 460077 0 Trudy Engel Vice President and Appointed Actuary 233102 0 127366 0 2 0 0 0 0 0 360470 0 Ian Collins Chief Compliance Officer, Chief Privacy Officer & Chief Anti-Money Laundering Officer (all Interim) 161030 0 38527 0 2065 0 0 0 0 0 201622 0 Shelley Wilson Corporate Secretary (Interim) 106799 0 20369 0 2 0 0 0 0 0 127170 0 Parker Brown General Counsel & Vice President, Vendor Management & Data Governance 220212 0 116531 0 2065 0 0 0 0 0 338808 0 Sujeether Kumareswaran Vice President, Capital, Business Planning and Strategy 206314 0 112773 0 2 0 0 0 0 0 319089 0 Mark Rush Chief Distribution Officer, US Sales 210718 0 264511 0 18519 0 0 0 0 0 493748 0 Ken Adams Vice President, Total Rewards 189187 0 105283 0 2 0 0 0 0 0 294472 0 Kelly Shum AVP, Financial Management Operations 146331 0 22186 0 2 0 0 0 0 0 168519 0 Julia Fantilli VP, US Customer service and New Business 168517 0 64880 0 2065 0 0 0 0 0 235462 0 Meghan Seybold Vice President, Talent Management & Business Partners 167527 0 74879 0 2065 0 0 0 0 0 244471 0 Nagesh Chawla Vice President, Enterprise Technology and Cybersecurity 156431 0 24551 0 2065 0 0 0 0 0 183047 0 Jeremy Wing Vice President, Pricing and Advanced Analytics 155456 0 28879 0 2 0 0 0 0 0 184337 0 Colette Atkinson Assistant Vice President, Policy & Capital Management (On Leave) 145680 0 24030 0 2 0 0 0 0 0 169712 0 JS Ledoux Assistant Vice President, Product Management 178755 0 33945 0 2 0 0 0 0 0 212702 0 Gerry Salvatore Assistant Vice President, Sales Operations & Business Development 165491 0 25143 0 1801 0 0 0 0 0 192435 0 David Sullivan AVP, Claims, Compensation and Contracting 206880 0 34049 0 3634 0 0 0 0 0 244563 0 Wendy Mao Assistant Vice President, US Reporting 152627 0 27339 0 2 0 0 0 0 0 179968 0 Vivian Yip Assistant Vice President, Business Planning 149607 0 24927 0 2 0 0 0 0 0 174536 0 Kris Sarkissian AVP, IT Operations 148757 0 23304 0 2 0 0 0 0 0 172063 0 Douglas Parrott Assistant Vice President, Chief Underwriter-North America 223817 0 35778 0 5590 0 0 0 0 0 265185 0 Bruce Burak AVP, US Sales 150000 0 143442 0 3096 0 0 0 0 0 296538 0 Kelly Steinmetz AVP, US Sales 135000 0 146433 0 5991 0 0 0 0 0 287424 0 Charles Morrison AVP, US Sales 135000 0 148121 0 4912 0 0 0 0 0 288033 0 Zol Mellary AVP, Project Management Office 140469 0 23221 0 2 0 0 0 0 0 163692 0 Sonal Vyas Assistant Vice President, Finance Transformation 134596 0 22219 0 2 0 0 0 0 0 156817 0 Chris Sehnke AVP, Business Intelligence & Analytics 133862 0 21078 0 2 0 0 0 0 0 154942 0 Fatima Smart AVP, HR Operations 129898 0 21404 0 1803 0 0 0 0 0 153105 0 Dan Drimmie AVP, Project Management 130560 0 21584 0 2 0 0 0 0 0 152146 0 Sonia Ameena Boxendale Director 142092 0 0 0 0 0 0 0 0 0 142092 0 Michael P Stramaglia Director 139666 0 0 0 0 0 0 0 0 0 139666 0 Katherine A Bardswick Director 137037 0 0 0 0 0 0 0 0 0 137037 0 Daniel Fortin Director 312285 0 0 0 0 0 0 0 0 0 312285 0 Robert W Wight Director 134611 0 0 0 0 0 0 0 0 0 134611 0 Michael Lombardi Director 137037 0 0 0 0 0 0 0 0 0 137037 0 Janice Madon Director 144692 0 0 0 0 0 0 0 0 0 144692 0 Gino Scapillati Director 147118 0 0 0 0 0 0 0 0 0 147118 0 Richard P Hennick Director 215000 0 0 0 0 0 0 0 0 0 215000 0 Shelly Herman Director 133600 0 0 0 0 0 0 0 0 0 133600 0 Wendy A Watson Director 141000 0 0 0 0 0 0 0 0 0 141000 0 Linda Watters Director 162667 0 0 0 0 0 0 0 0 0 162667 0 Cindy Worley Director 133600 0 0 0 0 0 0 0 0 0 133600 0 Schedule J, Part I, Line 3 Foresters Board has a Human Capital and Governance Committee ("HCGC"), comprised of independent directors. Its mandate requires the Committee to recommend to the Board the annual compensation for the CEO and to approve the annual compensation for the CEO and their direct reports. Every 2 years, a formal review of executive compensation is completed, including comparator organizations, and competitiveness of total compensation levels (i.e. base pay and incentives). This review is done by external compensation consultants who are approved by the HCGC and who provide comparable data for the financial services/insurance industry. The information is reviewed in detail by the HCGC. Foresters HCGC uses this biennial compensation information to review salary and incentive levels for the CEO and their direct reports; this data is used to inform recommendations for any changes to compensation. Schedule J, Part I, Line 4 There were some individuals that received either severance or supplemental non-qualified plan payments in 2023. Form 990, Part VI, Section A, Line 6 1 Branch per 15,000 members (+/-15%). 10 elected members per Branch all are members of the Regional Assembly to which their Branch belongs. Elected members of the branch elect a President and Vice President which also represent their Branch at the International Assembly. Regional Assemblies elect 10 councilors and 1 president all 11 represent their Region at the International Assembly. Form 990, Part VI, Section A, Line 7a 1 Branch per 15,000 members (+/-15%). 10 elected members per Branch all are members of the Regional Assembly to which their Branch belongs. Elected members of the branch elect a President and Vice President which also represent their Branch at the International Assembly. Regional Assemblies elect 10 councilors and 1 president all 11 represent their Region at the International Assembly. Form 990, Part VI, Section B, Line 11b Form 990 is prepared by the Finance Department with input from relevant areas of the organization. This form is reviewed by the V.P., Global Tax Compliance and Planning and other officers of the organization. Form 990, Part VI, Section B, Line 12c Once a year, employees are required to review the Code of Ethics document in its entirety and to complete an acknowledgement and conflict of interest disclosure form. Form 990, Part VI, Section B, Line 15 Foresters Board has a Human Capital and Governance Committee ("HCGC"), comprised of independent directors. Its mandate requires the Committee to recommend to the Board the annual compensation for the CEO and to approve the annual compensation for the CEO and their direct reports. Every two years, a formal review of executive compensation is completed, including comparator organizations, and competitiveness of total compensation levels (i.e., base pay and incentives). This review is done by external compensation consults who are approved by the HCGC and who provide comparable data for the financial services/insurance industry. The information is reviewed in detail by the HCGC. Foresters HCGC uses this biennial compensation information to review salary and incentive levels for the CEO and their direct reports; this data is used to inform recommendations for any changes to compensation. Form 990, Part VI, Section C, Line 19 The documents are on our website at www.foresters.com. Code of Ethics, Constitution, audited financial statements and Annual Report. Form 990, Part XI, Line 9 Other changes in net assets includes currency translation gains and losses. Foresters Equity Services Inc 6640 Lusk Blvd Suite A202 San Diego CA 92121 330178144 Broker Dealer CA THE INDEPENDENT ORDER OF FORESTERS C 1 1 Foresters Holdings (Europe) Ltd 2 Cromwell Avenue Bromley UK BR2 9BF Holding Company UK THE INDEPENDENT ORDER OF FORESTERS C 1 1 Foresters Indemnity Company 789 Don Mills Road Toronto Ontario CA M3C 1T9 521132140 Selling insurance CA THE INDEPENDENT ORDER OF FORESTERS C 1 1 Foresters Life Insurance Company 789 Don Mills Road Toronto Ontario CA M3C 1T9 Selling insurance CA THE INDEPENDENT ORDER OF FORESTERS C 1 1 Foresters Investment Management Company Inc 789 Don Mills Road Toronto Ontario CA M3C 1T9 Asset Management DE THE INDEPENDENT ORDER OF FORESTERS C 1 1 Foresters Securities (Canada) Inc 789 Don Mills Road 16th Floor Toronto Ontario CA M3C 1T9 Broker Dealer CA THE INDEPENDENT ORDER OF FORESTERS C 1 1 Sylvan Agency (Canada) Inc Dormant 789 Don Mills Rd 16th Floor Toronto Ontario CA M3C 1T9 Broker Dealer CA THE INDEPENDENT ORDER OF FORESTERS C 1 1 Canada Protection Plan Inc 250 Ferrand Drive Suite 1100 Toronto Ontario CA M3C 3G8 Insurance Company CA THE INDEPENDENT ORDER OF FORESTERS C 1 1 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 1 0 0 Foresters Life Insurance Company b 15102000 Actual contribution amount Foresters Holdings (Europe) Ltd f 12740000 Actual dividend amount Foresters Holdings (Europe) Ltd q 2577957 Contractual amount for services Foresters Life Insurance Company q 19764538 Contractual amount for services