2025-11-13T08:37:59-06:00 2024-12-31 131655065 LUTZ AND CARR CPAS LLP 551 FIFTH AVENUE SUITE 400 NEW YORK NY 10176 990 2024-01-01 912172676 EARN INC EARN 4155039818 548 MARKET STREET PMB 46387 SAN FRANCISCO CA 94104 LEIGH PHILLIPS CEO 4155039818 2025-11-13 1 0 MICHAEL WALLACE P00881958 2126972299 2024 2025-03-06 01:10:19Z SAVERLIFE LEIGH PHILLIPS 548 MARKET STREET PMB 46387 SAN FRANCISCO CA 94104 9312961 0 X WWW.SAVERLIFE.ORG X 2001 CA 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 TO TAKE CONTROL OF THEIR FINANCIAL FUTURE. 10 10 24 10 0 0 2593212 9171138 171978 138987 1326 2086 10153 750 2776669 9312961 0 0 0 0 3160120 2528443 0 0 434620 2401461 2092641 5561581 4621084 -2784912 4691877 1261403 5974643 212688 234051 1048715 5740592 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 (CON'T ON SCHEDULE O) TO TAKE CONTROL OF THEIR FINANCIAL FUTURE. 0 0 2865398 7761 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. 731652 131226 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. 3597050 1 1 0 0 0 0 0 0 0 0 1 0 0 0 0 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 32 0 1 24 0 0 0 0 0 0 0 0 0 0 0 0 0 X 10 10 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 CA X X LEIGH PHILLIPS 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 IDA RADEMACHER BOARD MEMBER 0.50 X 0 0 0 LEIGH PHILLIPS CEO 38.00 X 250000 0 22836 SARAH WILLIS COO 38.00 X 210000 0 17031 CAROL KASTEN VP OF GOVERNANCE, RISK & COMPLIANCE 38.00 X 160000 0 21227 MATHIEU RONALD DESPARD VP OF RESEARCH & POLICY 38.00 X 170000 0 6706 SUSAN LYON DIRECTOR OF MARKETING 38.00 X 164375 0 16951 STEVE HAWKER DIRECTOR OF PLATFORM OPERATIONS 38.00 X 147420 0 14028 REBEKAH COLLINSWORTH DIRECTOR OF BRAND AND COMMUNICATIONS 38.00 X 140400 0 6557 MAYA PENDLETON SENIOR RESEARCH MANAGER 38.00 X 116688 0 17013 1358883 0 122349 12 0 1 0 TELOS LABS LLC 1053 62ND ST OAKLAND CA 94608 PRODUCT AND WEB ENGINEERING 533136 GROWTHR LLC 2108 N STREET STE N SACRAMENTO CA 95816 ADVERTISING 111164 2 9171138 9171138 PROGRAM SERVICE FEE 900099 138987 138987 138987 2086 2086 750 750 750 9312961 138987 0 2836 681094 363151 145280 172663 1500571 1132919 200653 166999 56714 41608 7820 7286 115006 84743 15421 14842 175058 120685 27461 26912 850 850 96324 96324 305758 240055 36904 28799 523812 523170 285 357 21174 17788 1958 1428 293477 293477 13113 10360 1835 918 57476 45406 8047 4023 310297 310297 23081 18235 3230 1616 SAAS FEES 293211 262150 28895 2166 SAVER INCENTIVES 117051 117051 BAD DEBT EXPENSE 5000 5000 32017 15955 9451 6611 4621084 3597050 589414 434620 125482 495084 31672 2892932 368399 1911411 7094 7400 96414 106112 1785149 1372551 483236 412598 149106 149106 1261403 5974643 211188 207384 26667 1500 0 212688 234051 X -381408 -168360 1430123 5908952 1048715 5740592 1261403 5974643 4691877 0 X 0 1 X 1 0 X 8157780 5974544 6254677 2593212 9171138 32151351 8157780 5974544 6254677 2593212 9171138 32151351 14851788 17299563 1432 885 236 1326 2086 5965 9414 3666 12641 10153 750 36624 32193940 982841 0.53740 0.53370 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 20711 20711 0 1764438 1351840 412598 412598 9453428 140467 140467 9312961 0 9312961 4761551 140467 140467 4621084 0 4621084 X X X X 0 0 0 0 0 0 0 0 0 LEIGH PHILLIPS CEO 250000 0 0 0 0 0 6000 0 16836 0 272836 0 0 0 SARAH WILLIS COO 210000 0 0 0 0 0 6000 0 11031 0 227031 0 0 0 CAROL KASTEN VP OF GOVERNANCE, RISK & COMPLIANCE 160000 0 0 0 0 0 6000 0 15227 0 181227 0 0 0 MATHIEU RONALD DESPARD VP OF RESEARCH & POLICY 170000 0 0 0 0 0 6000 0 706 0 176706 0 0 0 SUSAN LYON DIRECTOR OF MARKETING 164375 0 0 0 0 0 6000 0 10951 0 181326 0 0 0 STEVE HAWKER DIRECTOR OF PLATFORM OPERATIONS 147420 0 0 0 0 0 6000 0 8028 0 161448 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 RECEIVED VIA PHONE, EMAIL, OR MAIL, AND ARE HELD FOR THE SAME PERIOD OF TIME SET FORTH IN SEC. 6104(D).