2023-11-14T15:01:09-06:00 2022-12-31 131655065 LUTZ AND CARR CPAS LLP 551 FIFTH AVENUE SUITE 400 NEW YORK NY 10176 990 2022-01-01 912172676 EARN INC EARN 4155039818 548 MARKET STREET PMB 46387 SAN FRANCISCO CA 94104 LEIGH PHILLIPS CEO 4155039818 2023-11-13 1 LEIGH PHILLIPS 999009999 0 MICHAEL WALLACE P00881958 2126972299 0 AAL1 IAL1 2022 2023-04-26 12:10:37Z X SAVERLIFE LEIGH PHILLIPS 548 MARKET STREET PMB 46387 SAN FRANCISCO CA 94104 6551972 0 X WWW.SAVERLIFE.ORG X 2001 CA SAVERLIFE IS A NATIONAL NONPROFIT AND ADVOCACY ORGANIZATION USING (CONT'D ON SCHEDULE O) TECHNOLOGY TO IMPROVE THE FINANCIAL HEALTH OF PEOPLE LIVING ON LOW-TO-MODERATE INCOMES. WE BELIEVE EVERYONE SHOULD HAVE THE SAME OPPORTUNITIES TO BUILD ECONOMIC MOBILITY AND ACHIEVE FINANCIAL WELL-BEING. 8 8 36 11 0 0 5974544 6254677 117650 284418 885 236 3666 12641 6096745 6551972 50000 0 0 0 3221468 3602702 0 0 607482 2755051 2883961 6026519 6486663 70226 65309 4666013 4318244 897695 484617 3768318 3833627 X SAVERLIFE (FORMERLY EARN) IS A NONPROFIT ON A MISSION TO INSPIRE, INFORM, AND REWARD THE MILLIONS OF AMERICANS WHO NEED HELP SAVING MONEY. THROUGH ENGAGING TECHNOLOGIES AND STRATEGIC PARTNERSHIPS, WE GIVE WORKING PEOPLE THE METHODS AND MOTIVATION (CONT'D ON SCHEDULE O)TO TAKE CONTROL OF THEIR FINANCIAL FUTURE. 0 0 3243788 COMMUNITY:SAVERLIFE'S FINANCIAL TECHNOLOGY PLATFORM SERVES MORE THAN 635,000 PEOPLE ACROSS THE COUNTRY WHO ARE LIVING ON LOW-TO-MODERATE INCOMES. THROUGH OUR APP, WE PROVIDE OUR MEMBERS WITH A PERSONALIZED EXPERIENCE THAT INCLUDES FINANCIAL CONTENT, SAVINGS REWARDS AND INCENTIVES, TRUSTED REFERRALS, ACCESS TO A SUPPORTIVE ONLINE COMMUNITY, AND OPPORTUNITIES TO ENGAGE IN OUR ADVOCACY AND POLICY WORK. SAVERLIFE WORKS - OUR MEMBERS DEPOSIT 15% OF THEIR INCOME INTO SAVINGS, AND 56% OF SAVERLIFE MEMBERS IMPROVE THEIR FINANCIAL HEALTH SCORE AT 6, 12, AND 18 MONTHS AFTER JOINING. 1062516 151444 RESEARCH & ADVOCACY:SAVERLIFE BRINGS OUR MEMBERS' VOICES AND PRIORITIES INTO SYSTEMS-LEVEL CONVERSATIONS TO ENSURE CURRENT AND EMERGING PRODUCTS, PROGRAMS, AND POLICIES SUPPORT THEIR UNIQUE FINANCIAL HEALTH JOURNEYS. SAVERLIFE'S FINTECH PRODUCT PROVIDES UNIQUE ACCESS TO REAL-TIME, HOUSEHOLD-LEVEL FINANCIAL TRANSACTIONS, BANK ACCOUNT DATA, AND DEMOGRAPHIC INFORMATION, GIVING INSIGHT INTO THE FINANCIAL LIVES OF OUR MEMBERS OVER TIME. AND BECAUSE WE'VE BUILT AN ENGAGED COMMUNITY OF MEMBERS ACROSS THE COUNTRY, WE CAN BRING THEIR DATA AND STORIES TOGETHER THROUGH PUBLISHED RESEARCH TO HIGHLIGHT HOW A MORE THOUGHTFUL AND INCLUSIVE FINANCIAL SYSTEM CAN HELP THEM ACHIEVE FINANCIAL WELL-BEING. 839733 132974 SOLUTIONS:SAVERLIFE SOLUTIONS LEVERAGES THE UNDERLYING TECHNOLOGY AND PROVEN SAVINGS INCENTIVES OF THE SAVERLIFE PLATFORM TO BUILD THE BROADER FIELD OF FINANCIAL WELLNESS THROUGH PARTNERSHIPS. WE PARTNER WITH EMPLOYERS, CREDIT UNIONS, AND NONPROFITS TO PROVIDE SAVERLIFE'S SAVINGS PRODUCTS, COMBINED WITH CUSTOMIZED SAVINGS CHALLENGES TO THEIR COMMUNITY MEMBERS AND EMPLOYEES. SAVERLIFE SOLUTIONS OFFERS CUSTOM VERSIONS OF OUR INNOVATIVE SAVING PLATFORM, ADDING BOTH GENUINE VALUE AND PROVEN BUSINESS INCENTIVES TO THE PEOPLE OUR PARTNERS SERVE AND EMPLOY. THROUGH INTEGRATIONS OF OUR PLATFORM, WE PROVIDE A PROVEN BENEFIT FOR EMPLOYEES, CLIENTS, AND CONSTITUENTS, AND A LEADERSHIP ROLE FOR ORGANIZATIONS LOOKING TO PROMOTE MEANINGFUL SOCIAL CHANGE. 5146037 1 1 0 0 0 0 0 0 0 0 1 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 51 0 1 36 1 0 0 0 0 0 0 0 0 0 0 0 0 X 8 8 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 CA X X CHARLES BELLEVILLE 4155039818 548 MARKET STREET PMB 46387 SAN FRANCISCO CA 94104 NICK EATON CHAIR 1.00 X X 0 0 0 PRESTON DODD TREASURER 0.50 X X 0 0 0 TIFFANY TENG SECRETARY 0.50 X X 0 0 0 DON BAYLOR BOARD MEMBER 0.50 X 0 0 0 NIDHI DAGA BOARD MEMBER 0.50 X 0 0 0 JAKE FUENTES BOARD MEMBER 0.50 X 0 0 0 SAMIR GOEL BOARD MEMBER 0.50 X 0 0 0 BENJAMIN MANGAN BOARD MEMBER 0.50 X 0 0 0 KARIN MEYER BOARD MEMBER 0.50 X 0 0 0 ANDY PEAY BOARD MEMBER 0.50 X 0 0 0 IDA RADEMACHER BOARD MEMBER 0.50 X 0 0 0 LEIGH PHILLIPS CEO 40.00 X 216000 0 22493 ASHLEY SHERWIN COO 40.00 X 190000 0 31124 NEHA GUPTA VP OF MARKET DEVELOPMENT 40.00 X 165900 0 15856 TIM LUCAS VP OF RESEARCH AND ANALYTICS 40.00 X 159126 0 6584 RADHA SESHAGIRI DIRECTOR OF POLICY AND SYSTEMS CHANGE 40.00 X 138000 0 6375 SUSAN LYON DIRECTOR OF MARKETING 40.00 X 133250 0 15962 RAJESH JAMBOTKAR DIRECTOR OF PRODUCT 40.00 X 132000 0 6351 1134276 0 104745 12 0 1 0 TELOS LABS LLC 3230 UNIVERSITY AVENUE BERKELEY CA 94704 SOFTWARE PROGRAMMING 452435 1 6254677 6254677 PROGRAM SERVICE FEE 900099 284418 284418 284418 236 236 12641 12641 12641 6551972 284418 0 12877 X 459617 207696 91923 159998 2600564 2080180 251729 268655 109343 85981 11037 12325 196768 161227 18074 17467 236410 178035 26179 32196 7284 6226 1058 125707 125707 740042 577638 126661 35743 415130 405013 10117 49675 35775 6838 7062 173773 173773 93582 70486 12976 10120 52806 26955 2969 22882 381943 377542 1899 2502 23511 18270 2291 2950 SAAS FEES 427548 368033 31783 27732 SAVER INCENTIVES 299807 299807 93153 73400 11903 7850 6486663 5146037 733144 607482 2368746 1014717 1001 25392 1131780 2271951 49783 30334 63407 47142 1337403 846599 575267 490804 476029 437904 4666013 4318244 724117 257922 19018 68333 86227 226695 897695 484617 X 1985147 551614 1783171 3282013 3768318 3833627 4666013 4318244 65309 0 X 0 1 X 1 0 X 4069827 6318475 8157780 5974544 6254677 30775303 4069827 6318475 8157780 5974544 6254677 30775303 14281856 16493447 1432 885 236 2553 9414 3666 12641 25721 30803577 1300025 0.53540 0.58020 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 20711 20485 226 1316692 826114 490578 490804 EMPLOYEE RETENTION TAX CREDIT RECEIVABLE 427412 REFUNDABLE DEPOSIT 10492 437904 ADVANCES - DUE TO SAVERS 226695 226695 6638768 86796 86796 6551972 0 6551972 6573459 86796 86796 6486663 0 6486663 X X X X 0 0 0 0 0 0 0 0 0 LEIGH PHILLIPS CEO 216000 0 0 0 0 0 6000 0 16493 0 238493 0 0 0 ASHLEY SHERWIN COO 190000 0 0 0 0 0 6000 0 25124 0 221124 0 0 0 NEHA GUPTA VP OF MARKET DEVELOPMENT 165900 0 0 0 0 0 6000 0 9856 0 181756 0 0 0 TIM LUCAS VP OF RESEARCH AND ANALYTICS 159126 0 0 0 0 0 6000 0 584 0 165710 0 0 0 FORM 990, PART VI, SECTION B, LINE 11B FORM 990 WAS REVIEWED BY AN OUTSIDE TAX PROFESSIONAL. THE FORM WAS THEN REVIEWED BY THE ORGANIZATION'S MANAGEMENT AND AT LEAST ONE MEMBER OF THE BOARD OF DIRECTORS. THIS GROUP OF INDIVIDUALS THEN DISCUSSED THE CONTENTS OF THE RETURN WITH THE OUTSIDE TAX PROFESSIONAL. AFTER A FULL REVIEW (WITH MODIFICATION WHERE NECESSARY), THE FINAL VERSION OF THE TAX RETURN WAS PROVIDED TO ALL MEMBERS OF THE ORGANIZATION'S VOTING BODY. A REPRESENTATIVE OF MANAGEMENT OR THE BOARD SIGNED AND THE OUTSIDE TAX PROFESSIONAL ELECTRONICALLY FILED THE RETURN TO THE INTERNAL REVENUE SERVICE. FORM 990, PART VI, SECTION B, LINE 12C ALL EMPLOYEES ARE COVERED UNDER SAVERLIFE'S CONFLICT OF INTEREST POLICY. DETERMINATION OF WHETHER A CONFLICT EXISTS IS MADE BY THE EMPLOYEE'S MANAGER OR HR. CONFLICTS ARE REVIEWED BY HR OR THE CEO. IF AN ACTUAL OR POTENTIAL CONFLICT IS DETERMINED, SAVERLIFE WILL TAKE STEPS TO MINIMIZE OR ELIMINATE THE CONFLICT AS APPEARS APPROPRIATE UNDER THE CIRCUMSTANCES. FORM 990, PART VI, SECTION B, LINE 15 A COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS THE COMPENSATION OF ALL HIGH LEVEL PERSONNEL ANNUALLY IN ACCORDANCE WITH IRS RULES AND REGULATION. EFFORTS ARE MADE TO SECURE COMPENSATION DATA FROM INDUSTRY SOURCES IN ORDER TO DETERMINE COMPETITIVENESS AND APPROPRIATENESS OF SALARIES. EVERY EFFORT IS MADE TO ENSURE THAT THE PROCESS IS THOROUGH AND TRANSPARENT IN ACCORDANCE WITH IRS GUIDELINES AND THE ORGANIZATION'S POLICIES AND PROCEDURES. COMPENSATION OF OTHER HIGH LEVEL PERSONNEL AND KEY EMPLOYEES IS REVIEWED AT LEAST ANNUALLY BY MEMBERS OF MANAGEMENT. EFFORTS ARE MADE TO SECURE COMPENSATION DATA FROM INDUSTRY SOURCES IN ORDER TO DETERMINE COMPETITIVENESS AND APPROPRIATENESS OF SALARIES AND ALL RELATED BENEFITS. ALL DECISIONS ARE THEN DOCUMENTED IN PERSONNEL FILES. FORM 990, PART VI, SECTION C, LINE 19 ALL GOVERNING DOCUMENTS, FINANCIAL STATEMENTS, AND CONFLICT OF INTEREST POLICY ARE PROVIDED VIA EMAIL OR MAIL IN RESPONSE TO REQUESTS RECEIEVD VIA PHONE, EMAIL, OR MAIL, AND ARE HELD FOR THE SAME PERIOD OF TIME SET FORTH IN SEC. 6104(D). FORM 990, PART IX, LINE 11G MARKETING DESIGN: PROGRAM SERVICE EXPENSES 13,473. MANAGEMENT AND GENERAL EXPENSES 3,786. FUNDRAISING EXPENSES 3,231. TOTAL EXPENSES 20,490. IT SERVICES: PROGRAM SERVICE EXPENSES 154,452. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 154,452. RESEARCH: PROGRAM SERVICE EXPENSES 89,000. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 89,000. COMMUNICATIONS: PROGRAM SERVICE EXPENSES 191,358. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 191,358. OTHER: PROGRAM SERVICE EXPENSES 129,355. MANAGEMENT AND GENERAL EXPENSES 122,875. FUNDRAISING EXPENSES 32,512. TOTAL EXPENSES 284,742.