2024-11-12T16:02:49-06:00 2023-12-31 131655065 LUTZ AND CARR CPAS LLP 551 FIFTH AVENUE SUITE 400 NEW YORK NY 10176 990 2023-01-01 912172676 EARN INC EARN 4155039818 548 MARKET STREET PMB 46387 SAN FRANCISCO CA 94104 LEIGH PHILLIPS CEO 4155039818 2024-11-12 1 0 MICHAEL WALLACE P00881958 2126972299 2023 2024-10-15 13:58:12Z SAVERLIFE LEIGH PHILLIPS 548 MARKET STREET PMB 46387 SAN FRANCISCO CA 94104 2776669 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. 10 10 30 10 0 0 6254677 2593212 284418 171978 236 1326 12641 10153 6551972 2776669 0 0 0 0 3602702 3160120 0 0 545249 2883961 2401461 6486663 5561581 65309 -2784912 4318244 1261403 484617 212688 3833627 1048715 X SAVERLIFE (FORMERLY EARN) IS A NONPROFIT ORGANIZATION THAT USES PERSONALIZED TECHNOLOGY TO IMPROVE THE FINANCIAL HEALTH OF PEOPLE LIVING ON LOW-TO-MODERATE INCOMES. USING THE DATA AND THE CONNECTIONS WE MAINTAIN WITH OUR MEMBERSHIP OF NEARLY (CONT'D ON SCHEDULE O)700,000 INDIVIDUALS, WE ELEVATE IMPORTANT EVIDENCE AND INSIGHTS TO ADVANCE POLICY AND PRACTICE IN THE FIELD OF FINANCIAL HEALTH. 0 0 3378475 61560 COMMUNITY:SAVERLIFE'S FINANCIAL TECHNOLOGY PLATFORM SERVES NEARLY 700,000 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. 1025535 110418 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. 4404010 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 1 0 0 0 0 0 0 0 0 1 30 0 1 30 1 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 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 IDA RADEMACHER BOARD MEMBER 0.50 X 0 0 0 LEIGH PHILLIPS CEO 38.00 X 216000 0 21965 ASHLEY SHERWIN COO 38.00 X 201400 0 23613 NEHA GUPTA VP, MEMBER EXPERIENCE 38.00 X 172536 0 15384 SUSAN LYON DIRECTOR OF MARKETING 38.00 X 145673 0 16192 ANITA SHARMA CHIEF IMPACT OFFICER 38.00 X 150206 0 9486 STEVE HAWKER DIRECTOR OF PLATFORM OPERATIONS 38.00 X 140400 0 16950 RADHA SESHAGIRI DIRECTOR OF POLICY & SYSTEMS CHANGE 38.00 X 147108 0 6000 1173323 0 109590 12 0 1 0 OVEN BITS DBA MAKE 3839 MCKINNEY AVE SUITE 155-823 DALLAS TX 75204 SOFTWARE PROGRAMMING 623340 1 2593212 68124 2593212 PROGRAM SERVICE FEE 900099 171978 171978 171978 1326 1326 10153 10153 10153 2776669 171978 0 11479 462979 208988 92596 161395 2189257 1759733 186538 242986 104267 81501 9644 13122 197057 157356 17175 22526 206560 154389 21397 30774 127456 127456 354764 271505 47765 35494 478353 478293 42 18 39854 28688 5329 5837 428390 428390 26035 20252 3472 2311 34714 23863 1906 8945 342405 342355 30 20 20966 16309 2796 1861 SAAS FEES 376098 295955 64780 15363 SAVER INCENTIVES 103817 103817 68609 32616 31396 4597 5561581 4404010 612322 545249 1014717 125482 25392 31672 2271951 368399 30334 7094 47142 96414 1545490 1062254 490804 483236 437904 149106 4318244 1261403 257922 211188 226695 1500 484617 212688 X 551614 -381408 3282013 1430123 3833627 1048715 4318244 1261403 -2784912 0 X 0 1 X 1 0 X 6318475 8157780 5974544 6254677 2593212 29298688 6318475 8157780 5974544 6254677 2593212 29298688 13641674 15657014 1432 885 236 1326 3879 9414 3666 12641 10153 35874 29338441 1274527 0.53370 0.53540 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 20711 20711 0 1524779 1041543 483236 483236 EMPLOYEE RETENTION TAX CREDIT RECEIVABLE 149106 149106 ADVANCES - DUE TO SAVERS 1500 1500 3045297 268628 268628 2776669 0 2776669 5830209 268628 268628 5561581 0 5561581 X X X X 0 0 0 0 0 0 0 0 0 LEIGH PHILLIPS CEO 216000 0 0 0 0 0 6000 0 15965 0 237965 0 0 0 ASHLEY SHERWIN COO 201400 0 0 0 0 0 6000 0 17613 0 225013 0 0 0 NEHA GUPTA VP, MEMBER EXPERIENCE 172536 0 0 0 0 0 6000 0 9384 0 187920 0 0 0 SUSAN LYON DIRECTOR OF MARKETING 145673 0 0 0 0 0 6000 0 10192 0 161865 0 0 0 ANITA SHARMA CHIEF IMPACT OFFICER 118415 0 31791 0 0 0 6000 0 3486 0 159692 0 0 0 STEVE HAWKER DIRECTOR OF PLATFORM OPERATIONS 140400 0 0 0 0 0 6000 0 10950 0 157350 0 0 0 RADHA SESHAGIRI DIRECTOR OF POLICY & SYSTEMS CHANGE 147108 0 0 0 0 0 6000 0 0 0 153108 0 0 0 X SOFTWARE DEVELOPMENT 1 68124 FMV 0 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).