Management Change/Compensation (Form 8-K)

On March 18, 2026, Sylwia Nowak Hauman resigned from her position as Chief Financial Officer (Principal Financial and Accounting Officer) of FOXO Technologies Inc., a Delaware corporation (the "Company"). Ms. Hauman's resignation letter cited concerns regarding the Company's internal control environment, financial reporting processes, and the resourcing of the finance and accounting team. The Company respectfully disagrees with the characterizations in Ms. Hauman's resignation letter and believes the Company's internal controls, reporting processes and staffing are adequate and have been significantly improved under current management. The Company remains committed to maintaining strong internal controls and fulfilling its reporting obligations in a timely manner as will be demonstrated by filing the upcoming 10-K timely.

On March 24, 2026, the Company appointed Celene Laurene Rattray Grant (age 44) as the Company's Chief Financial Officer (Principal Financial and Accounting Officer).

Celene Grant is a Certified Public Accountant with over 15 years of experience in financial management, business leadership, and corporate strategy, with particular expertise in the healthcare industry.

Ms. Grant began her engagement with the Company's predecessor as a consultant Financial Controller in April 2018, a role she held through June 2021. She then joined Certified Foot and Ankle Specialists as Chief Accounting Officer, serving in that capacity from June 2021 through February 2024. Ms. Grant returned to FOXO Technologies in April 2024 as a consultant, where she played a key role in returning the Company to good standing with its SEC reporting obligations, through November 2025. Most recently, from November 2025 until her appointment as Chief Financial Officer, Ms. Grant has been engaged with Rennova Health Inc., leading efforts to bring that company into compliance with SEC reporting requirements.

Ms. Grant holds a Bachelor of Science in Accounting from Florida Atlantic University and a Master of Business Administration from Nova Southeastern University.

There are no family relationships between Ms. Grant and any director, executive officer, or person nominated or chosen by the Company to become a director or executive officer.

There are no transactions between Ms. Grant and the Company that would require disclosure under Item 404(a) of Regulation S-K.

Ms. Grant will receive an annual base salary of $200,000 and will be eligible for a discretionary annual bonus of up to $25,000.