EARN INC: Form 990, tax year 2020

View the entire original 990 at ProPublica ↗

Organization: EARN INC (EIN 91-2172676)
Tax period: 2020-01-01 to 2020-12-31
Filed: 2021-11-05
IRS object ID: 202103109349300300
Schema version: 2020v4.1
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule A
Schedule B
Schedule D
Schedule I
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2021-11-05T23:52:47-05:00	ReturnTs
Tax Period End	2020-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	390859910	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	BAKER TILLY US LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	50 FREMONT STREET SUITE 4000	AddressLine1Txt
City	SAN FRANCISCO	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	94105	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2020-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	912172676	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	EARN INC	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	EARN	BusinessNameControlTxt
Phone	4155039818	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	235 MONTGOMERY STREET NO 1050	AddressLine1Txt
City	SAN FRANCISCO	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	94104	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	LEIGH PHILLIPS	PersonNm
Person Title	CEO	PersonTitleTxt
Phone	4155039818	PhoneNum
Signature	2021-11-03	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	LEIGH	PersonFirstNm
Person Last	PHILLIPS	PersonLastNm

Field	Value	IRS element (for citing)
SSN	999009999	SSN

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	JOUA LO	PreparerPersonNm
PTIN	P01225144	PTIN
Phone	4157812500	PhoneNum
Preparation	2021-11-03	PreparationDt

Additional Filer Information AdditionalFilerInformation

Trusted Customer TrustedCustomerGrp

Field	Value	IRS element (for citing)
Trusted Customer	2	TrustedCustomerCd
Authentication Assurance Level	AAL1	AuthenticationAssuranceLevelCd
Identity Assurance Level	IAL1	IdentityAssuranceLevelCd

Field	Value	IRS element (for citing)
Tax	2020	TaxYr
Build TS	2022-09-23 18:48:47Z	BuildTS

Form 990 IRS990

Doing Business As Name DoingBusinessAsName

Field	Value	IRS element (for citing)
Business Name Line1	SAVERLIFE	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Principal Officer	LEIGH PHILLIPS	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	235 MONTGOMERY STREET NO 1050	AddressLine1Txt
City	SAN FRANCISCO	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	94104	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$8,438,434	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c3	Yes (X)	Organization501c3Ind
Website Address	WWW.SAVERLIFE.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	2001	FormationYr
Legal Domicile State	CA	LegalDomicileStateCd
Activity Or Mission	SAVERLIFE ENVISIONS A WORLD WHERE EVERY AMERICAN CAN EXPERIENCE ECONOMIC MOBILITY. HOWEVER, THE EXISTING FINANCIAL SYSTEM IS NOT DESIGNED TO ADDRESS THE NEEDS OF LOW-TO-MODERATE INCOME INDIVIDUALS. SAVERLIFE BELIEVES THAT FINANCIAL STABILITY AND ECONOMIC MOBILITY ARE ACHIEVED THROUGH A COMBINATION OF INDIVIDUAL AGENCY AND ACTION WITH THE ERADICATION OF ENTRENCHED SYSTEMIC BARRIERS. WE KNOW THAT THE ABILITY TO SAVE MONEY AND INVEST IN YOURSELF AND YOUR FAMILY IS A KEY INDICATOR OF FINANCIAL WELLBEING AND A CRITICAL WEALTH-BUILDING TOOL. SAVERLIFE'S PROVEN MODEL ADDRESSES BOTH SIDES OF THIS EQUATION BY HELPING OUR MEMBERS INCREASE THEIR SAVINGS RATES, WHILE SIMULTANEOUSLY LEVERAGING DATA AND SCALE TO ADDRESS THE SYSTEMIC BARRIERS THAT HINDER MOBILITY. OUR 600,000 MEMBERS ARE WORKING INDIVIDUALLY AND COLLECTIVELY TO IMPROVE THEIR FINANCIAL HEALTH BY ACTIVELY INCREASING THEIR SAVINGS RATES BY 4.8X.	ActivityOrMissionDesc
Voting Members Governing Body	8	VotingMembersGoverningBodyCnt
Voting Members Independent	8	VotingMembersIndependentCnt
Total Employee	0	TotalEmployeeCnt
Total Volunteers	8	TotalVolunteersCnt
Total Gross UBI	$0	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$6,318,475	PYContributionsGrantsAmt
CY Contributions Grants	$8,157,780	CYContributionsGrantsAmt
PY Program Service Revenue	$430,673	PYProgramServiceRevenueAmt
CY Program Service Revenue	$269,808	CYProgramServiceRevenueAmt
PY Investment Income	$0	PYInvestmentIncomeAmt
CY Investment Income	$1,432	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$9,414	CYOtherRevenueAmt
PY Total Revenue	$6,749,148	PYTotalRevenueAmt
CY Total Revenue	$8,438,434	CYTotalRevenueAmt
PY Grants And Similar Paid	$639,549	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$3,854,823	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$1,935,269	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$2,436,452	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$401,095	CYTotalFundraisingExpenseAmt
PY Other Expenses	$2,848,854	PYOtherExpensesAmt
CY Other Expenses	$2,412,074	CYOtherExpensesAmt
PY Total Expenses	$5,423,672	PYTotalExpensesAmt
CY Total Expenses	$8,703,349	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,325,476	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	-$264,915	CYRevenuesLessExpensesAmt
Total Assets BOY	$4,370,502	TotalAssetsBOYAmt
Total Assets EOY	$4,248,823	TotalAssetsEOYAmt
Total Liabilities BOY	$407,495	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$550,731	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$3,963,007	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$3,698,092	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	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.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Expense	$5,603,719	ExpenseAmt
Grant	$3,689,012	GrantAmt
Revenue	$269,808	RevenueAmt
Desc	(COMMUNITY)THE SAVERLIFE COMMUNITY AND TECHNOLOGY PLATFORM IS DESIGNED TO HELP LOW-INCOME INDIVIDUALS DEVELOP A HABIT OF SAVING AND LASTING FINANCIAL STABILITY. OUR 600,000+ MEMBERS -- 80% ARE WOMEN, 65% ARE SINGLE PARENTS, AND 60% IDENTIFY AS A PERSON OF COLOR -- JOIN A COMMUNITY OF LIKE-MINDED PEOPLE TO PARTICIPATE IN SAVINGS CHALLENGES THAT HELP THEM MEET SPECIFIC OBJECTIVES, LIKE REACHING A SAVINGS DOLLAR GOAL OR BUILDING A CONSISTENT SAVINGS HABIT. THEY ALSO GAIN ACCESS TO ACTIONABLE FINANCIAL EDUCATION CONTENT, COMMUNITY FORUMS, INSPIRING STORIES, AND ADDITIONAL PRIZES AND REWARDS FOR SAVING.IN JOINING SAVERLIFE, OUR MEMBERS HAVE TAKEN A DEFINITIVE STEP TO IMPROVE THEIR FINANCIAL LIVES. THEY ARE TYPICALLY NEW SAVERS, MEANING THAT THEY ARE NOT SAVING WHEN THEY JOIN (67%), AND HAVE MONTHLY EXPENSES THAT EXCEED THEIR INCOME (49%). SAVERLIFE'S IMPACT IS CLEAR: ON AVERAGE, OUR MEMBERS INCREASE THEIR SAVINGS RATE BY 4.8X AND 55% OF OUR MEMBERS DEPOSIT $500 INTO SAVINGS WITHIN SIX-MONTHS.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Expense	$1,279,273	ExpenseAmt
Grant	$165,811	GrantAmt
Desc	(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. IN PARTICULAR, SAVERLIFE LEVERAGES THE OUTSIZE ROLE OF EMPLOYERS TO EXPAND ACCESS TO SAVINGS BENEFITS. THE EMPLOYMENT SYSTEM IS A KEY DRIVER OF FINANCIAL HEALTH FOR WORKING FAMILIES. EMPLOYEE BENEFITS, BEYOND JUST SALARY, PROVIDE CRITICAL WEALTH-BUILDING SUPPORT FOR ALL WORKERS. YET, THERE IS A SIGNIFICANT GAP IN EMPLOYER-OFFERED BENEFITS FOR LOW-WAGE WORKERS. MANY LOW-WAGE WORKERS DO NOT HAVE ACCESS TO RETIREMENT BENEFITS AND, DESPITE THE CLEAR IMPACT OF EMERGENCY SAVINGS ON FINANCIAL WELL-BEING FOR LOW-TO-MODERATE INCOME INDIVIDUALS, TOO FEW EMPLOYERS OFFER THESE PRODUCTS FOR WORKERS. SAVERLIFE SOLUTIONS FILLS THIS GAP BY PARTNERING WITH EMPLOYERS TO PROVIDE OUR EFFECTIVE AND RESPONSIVE TECHNOLOGY AS A BENEFIT OFFERING, MAKING OUR SAVINGS PLATFORM ACCESSIBLE TO THOUSANDS OF LOW-WAGE WORKERS ACROSS A RANGE OF INDUSTRIES.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Expense	$672,778	ExpenseAmt
Desc	(VOICE) DESPITE THE SUCCESS OF SAVERLIFE IN INCREASING SAVINGS RATES AT THE INDIVIDUAL LEVEL, PERVASIVE BARRIERS TO ECONOMIC MOBILITY (SUCH AS DEBT, INCOME VOLATILITY, HOUSING COSTS, ETC.) MUST BE SOLVED AT BROADER SYSTEMIC LEVELS. IN ORDER TO DESIGN AND ADOPT POLICIES THAT WILL BENEFIT THOSE LIVING WITH LOW-INCOMES AND REBUILD A MORE EQUITABLE ECONOMY, IT IS CRITICAL THAT GOVERNMENT, POLICYMAKERS, BUSINESSES, AND SOCIAL SERVICE ORGANIZATIONS USE DATA AND EVIDENCE - NOT ASSUMPTIONS - TO UNDERSTAND BOTH HOW THE EXISTING FINANCIAL SYSTEM HAS FAILED THESE COMMUNITIES AND HOW THE CURRENT CRISIS IS IMPACTING THEM. SAVERLIFE VOICE IS UNIQUELY POSITIONED TO BRING TO LIGHT THE REAL FINANCIAL STRUGGLES OF WORKING AMERICANS AND TO PROVIDE DATA AND EVIDENCE TO GUIDE INCLUSIVE PROGRAM AND POLICY SOLUTIONS. OUR SAVINGS PLATFORM PROVIDES UNIQUE ACCESS TO REAL-TIME, HOUSEHOLD-LEVEL FINANCIAL TRANSACTIONS AND DATA THAT WE USE TO MEASURE CHANGES IN INCOME, SPENDING, DEBT, AND SAVINGS AND TO DETERMINE THE EFFICACY OF POLICY INTERVENTIONS AT THE HOUSEHOLD LEVEL. IN TANDEM, WE RAPIDLY GATHER PERSPECTIVES FROM OUR MEMBERS THROUGH SURVEYS AND INTERVIEWS TO UNDERSTAND HOW INDIVIDUALS AND FAMILIES ARE FARING IN A RAPIDLY SHIFTING ECONOMIC ENVIRONMENT AND ENGAGE THEM DIRECTLY TO SHARE THEIR THOUGHTS AND FEELINGS ON CURRENT AND PROPOSED POLICY SOLUTIONS. THIS COMBINATION OF DATA AND VOICES GIVES SAVERLIFE VOICE A UNIQUE ABILITY TO ENGAGE THOSE MOST AFFECTED BY AN INEQUITABLE FINANCIAL SYSTEM IN THE DEVELOPMENT OF EFFECTIVE SOLUTIONS. BY GATHERING EVIDENCE AND LIFTING UP THE VOICES OF LOW-WAGE, "ESSENTIAL" WORKERS, SAVERLIFE IS HELPING WRITE A COUNTER-NARRATIVE THAT PUSHES BACK AGAINST ILL-INFORMED STEREOTYPES ABOUT FINANCIAL NEED IN THE U.S.	Desc

Field	Value	IRS element (for citing)
Total Program Service Expenses	$7,555,770	TotalProgramServiceExpensesAmt
Described In Section501c3	Yes (1)	DescribedInSection501c3Ind
Schedule B Required	Yes (1)	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Lobbying Activities	0	LobbyingActivitiesInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	0	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (1)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	Yes (1)	GrantsToOrganizationsInd
Grants To Individuals	Yes (1)	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Engaged In Excess Benefit Trans	0	EngagedInExcessBenefitTransInd
PY Excess Benefit Trans	0	PYExcessBenefitTransInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Trnsfr Exmpt Non Chrtbl Rltd Org	0	TrnsfrExmptNonChrtblRltdOrgInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	26	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	0	EmployeeCnt
Unrelated Bus Incm Over Limit	0	UnrelatedBusIncmOverLimitInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Quid Pro Quo Contributions	0	QuidProQuoContributionsInd
Form8282 Property Disposed Of	0	Form8282PropertyDisposedOfInd
Rcv Fnds To Pay Prsnl Bnft Cntrct	0	RcvFndsToPayPrsnlBnftCntrctInd
Pay Premiums Prsnl Bnft Cntrct	0	PayPremiumsPrsnlBnftCntrctInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	8	GoverningBodyVotingMembersCnt
Independent Voting Member	8	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	0	MembersOrStockholdersInd
Election Of Board Members	0	ElectionOfBoardMembersInd
Decisions Subject To Approva	0	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	CA	StatesWhereCopyOfReturnIsFldCd
Own Website	Yes (X)	OwnWebsiteInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	CHARLES BELLEVILLE	PersonNm
Phone	4155039818	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	235 MONTGOMERY STREET 1050	AddressLine1Txt
City	SAN FRANCISCO	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	94104	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (17 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Highest Compensated EmployeeHighestCompensatedEmployeeInd
NICK EATON
CHAIR	1.00	Yes (X)	Yes (X)	$0	$0	$0
PRESTON DODD
TREASURER	0.50	Yes (X)	Yes (X)	$0	$0	$0
TIFFANY TENG
SECRETARY	0.50	Yes (X)	Yes (X)	$0	$0	$0
DON BAYLOR
BOARD MEMBER	0.50	Yes (X)		$0	$0	$0
JAKE FUENTES
BOARD MEMBER	0.50	Yes (X)		$0	$0	$0
BENJAMIN MANGAN
BOARD MEMBER	0.50	Yes (X)		$0	$0	$0
IDA RADEMACHERD
BOARD MEMBER	0.50	Yes (X)		$0	$0	$0
ANDY PEAY
BOARD MEMBER	0.50	Yes (X)		$0	$0	$0
STEVEN COMFORT THRU 121520
SECRETARY	0.50	Yes (X)	Yes (X)	$0	$0	$0
DIPTI GHOSH THRU 93020
BOARD MEMBER	0.50	Yes (X)		$0	$0	$0
JENNY FLORES THRU 11520
BOARD MEMBER	0.50	Yes (X)		$0	$0	$0
LEIGH PHILLIPS
CEO	40.00		Yes (X)	$225,000	$0	$14,774
DAVID DERRYCK
CHIEF IMPACT OFFICER	40.00		Yes (X)	$210,000	$0	$12,902
MEGAN WONG
FORMER VICE PRESIDENT OF PRODUCT	40.00			$175,210	$0	$9,187	Yes (X)
TIM LUCAS
DIRECTOR OF RESEARCH & INSIGHT	40.00			$130,100	$0	$9,725	Yes (X)
SHANA BEAL
DIRECTOR OF COMMUNICATIONS	40.00			$120,572	$0	$10,519	Yes (X)
NEHA GUPTA
VICE PRESIDENT OF MARKET DEVELOPMENT	40.00			$102,295	$0	$4,147	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$963,177	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$61,254	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	6	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (3 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
TELOS LABS LLC
3230 UNIVERSITY AVENUE	BERKELEY	CA	94704	SOFTWARE PROGRAMMING	$413,022
HARDEN COMMUNICATIONS
880 3RD AVENUE 4TH FLOOR	NEW YORK	NY	10022	PUBLIC RELATIONS SERVICES	$130,377
TEAL MEDIA
7457 FRANKLIN ROAD SUITE 218	BLOOMFIELD HILLS	MI	48301	MARKETING AND DESIGN SERVICES	$117,300

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	3	CntrctRcvdGreaterThan100KCnt
Government Grants	$320,857	GovernmentGrantsAmt
All Other Contributions	$7,836,923	AllOtherContributionsAmt
Total Contributions	$8,157,780	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp

Field	Value	IRS element (for citing)
Desc	PROGRAM SERVICE FEES	Desc
Business	900099	BusinessCd
Total Revenue Column	$269,808	TotalRevenueColumnAmt
Related Or Exempt Func Income	$269,808	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$269,808	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,432	TotalRevenueColumnAmt
Exclusion	$1,432	ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp

Field	Value	IRS element (for citing)
Desc	MISCELLANEOUS REVENUE	Desc
Business	900099	BusinessCd
Total Revenue Column	$9,414	TotalRevenueColumnAmt
Exclusion	$9,414	ExclusionAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$9,414	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$8,438,434	TotalRevenueColumnAmt
Related Or Exempt Func Income	$269,808	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$10,846	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$636,932	TotalAmt
Program Services	$636,932	ProgramServicesAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$3,217,891	TotalAmt
Program Services	$3,217,891	ProgramServicesAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$462,676	TotalAmt
Program Services	$298,209	ProgramServicesAmt
Management And General	$70,245	ManagementAndGeneralAmt
Fundraising	$94,222	FundraisingAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,582,752	TotalAmt
Program Services	$1,227,372	ProgramServicesAmt
Management And General	$187,576	ManagementAndGeneralAmt
Fundraising	$167,804	FundraisingAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$76,164	TotalAmt
Program Services	$57,886	ProgramServicesAmt
Management And General	$9,916	ManagementAndGeneralAmt
Fundraising	$8,362	FundraisingAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$164,925	TotalAmt
Program Services	$127,911	ProgramServicesAmt
Management And General	$17,358	ManagementAndGeneralAmt
Fundraising	$19,656	FundraisingAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$149,935	TotalAmt
Program Services	$114,530	ProgramServicesAmt
Management And General	$17,029	ManagementAndGeneralAmt
Fundraising	$18,376	FundraisingAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$286,941	TotalAmt
Program Services	$285,825	ProgramServicesAmt
Management And General	$1,116	ManagementAndGeneralAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$71,929	TotalAmt
Management And General	$71,929	ManagementAndGeneralAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$289,486	TotalAmt
Program Services	$197,764	ProgramServicesAmt
Management And General	$69,898	ManagementAndGeneralAmt
Fundraising	$21,824	FundraisingAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$388,835	TotalAmt
Program Services	$284,068	ProgramServicesAmt
Management And General	$97,245	ManagementAndGeneralAmt
Fundraising	$7,522	FundraisingAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$60,361	TotalAmt
Program Services	$8,998	ProgramServicesAmt
Management And General	$44,506	ManagementAndGeneralAmt
Fundraising	$6,857	FundraisingAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$775,679	TotalAmt
Program Services	$709,422	ProgramServicesAmt
Management And General	$50,643	ManagementAndGeneralAmt
Fundraising	$15,614	FundraisingAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$239,817	TotalAmt
Program Services	$177,465	ProgramServicesAmt
Management And General	$33,574	ManagementAndGeneralAmt
Fundraising	$28,778	FundraisingAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$3,765	TotalAmt
Program Services	$271	ProgramServicesAmt
Management And General	$1,154	ManagementAndGeneralAmt
Fundraising	$2,340	FundraisingAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$124,594	TotalAmt
Program Services	$121,971	ProgramServicesAmt
Management And General	$1,211	ManagementAndGeneralAmt
Fundraising	$1,412	FundraisingAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$15,467	TotalAmt
Management And General	$15,467	ManagementAndGeneralAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt	Program ServicesProgramServicesAmt	Management And GeneralManagementAndGeneralAmt
SURVEY INCENTIVES	$56,591	$55,484	$1,107
RECRUITMENT	$37,105		$37,105
EVENTS	$12,443	$11,271	$1,172
TEAM BUILDING	$10,516	$135	$10,381

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$38,545	TotalAmt
Program Services	$22,365	ProgramServicesAmt
Management And General	$7,852	ManagementAndGeneralAmt
Fundraising	$8,328	FundraisingAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$8,703,349	TotalAmt
Program Services	$7,555,770	ProgramServicesAmt
Management And General	$746,484	ManagementAndGeneralAmt
Fundraising	$401,095	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$1,503,243	BOYAmt
EOY	$2,140,014	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$10,002	BOYAmt
EOY	$1,001	EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$2,506,498	BOYAmt
EOY	$1,592,723	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$95,078	BOYAmt
EOY	$14,911	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$57,814	BOYAmt
EOY	$53,714	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$2,157,679	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$1,742,245	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$173,910	BOYAmt
EOY	$415,434	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$23,957	BOYAmt
EOY	$31,026	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$4,370,502	BOYAmt
EOY	$4,248,823	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$287,473	BOYAmt
EOY	$479,150	EOYAmt

Grants Payable GrantsPayableGrp

Field	Value	IRS element (for citing)
BOY	$18,772	BOYAmt
EOY	$44,081	EOYAmt

Deferred Revenue DeferredRevenueGrp

Field	Value	IRS element (for citing)
BOY	$101,250	BOYAmt
EOY	$27,500	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$407,495	BOYAmt
EOY	$550,731	EOYAmt

Field	Value	IRS element (for citing)
Organization Follows FASB117	Yes (X)	OrganizationFollowsFASB117Ind

No Donor Restriction Net Assets NoDonorRestrictionNetAssetsGrp

Field	Value	IRS element (for citing)
BOY	$1,155,453	BOYAmt
EOY	$1,480,329	EOYAmt

Donor Restriction Net Assets DonorRestrictionNetAssetsGrp

Field	Value	IRS element (for citing)
BOY	$2,807,554	BOYAmt
EOY	$2,217,763	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$3,963,007	BOYAmt
EOY	$3,698,092	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$4,370,502	BOYAmt
EOY	$4,248,823	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	-$264,915	ReconcilationRevenueExpnssAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule A IRS990ScheduleA

Field	Value	IRS element (for citing)
Public Organization170	Yes (X)	PublicOrganization170Ind

Gifts Grants Contri Rcvd170 GiftsGrantsContriRcvd170Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$2,855,219	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$3,955,389	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$4,069,827	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$6,318,475	CurrentTaxYearMinus1YearAmt
Current Tax Year	$8,157,780	CurrentTaxYearAmt
Total	$25,356,690	TotalAmt

Total Calendar Year170 TotalCalendarYear170Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	$2,855,219	CurrentTaxYearMinus4YearsAmt
Current Tax Year Minus3 Years	$3,955,389	CurrentTaxYearMinus3YearsAmt
Current Tax Year Minus2 Years	$4,069,827	CurrentTaxYearMinus2YearsAmt
Current Tax Year Minus1 Year	$6,318,475	CurrentTaxYearMinus1YearAmt
Current Tax Year	$8,157,780	CurrentTaxYearAmt
Total	$25,356,690	TotalAmt

Field	Value	IRS element (for citing)
Substantial Contributors Tot	$10,304,971	SubstantialContributorsTotAmt
Public Support Total170	$15,051,719	PublicSupportTotal170Amt

Gross Investment Income170 GrossInvestmentIncome170Grp

Field	Value	IRS element (for citing)
Current Tax Year Minus4 Years	-$26,869	CurrentTaxYearMinus4YearsAmt
Current Tax Year	$1,432	CurrentTaxYearAmt
Total	-$25,437	TotalAmt

Other Income170 OtherIncome170Grp

Field	Value	IRS element (for citing)
Current Tax Year	$9,414	CurrentTaxYearAmt
Total	$9,414	TotalAmt

Field	Value	IRS element (for citing)
Total Support	$25,340,667	TotalSupportAmt
Gross Receipts Rltd Activities	$1,517,795	GrossReceiptsRltdActivitiesAmt
Public Support CY170	0.59400	PublicSupportCY170Pct
Public Support PY170	0.60980	PublicSupportPY170Pct
Thirty Thr Pct Suprt Tests CY170	Yes (X)	ThirtyThrPctSuprtTestsCY170Ind

Form990 Schedule A Part VI Form990ScheduleAPartVIGrp

Field	Value	IRS element (for citing)
Form And Line Reference	SCHEDULE A, PART II, LINE 10, EXPLANATION OF OTHER INCOME:	FormAndLineReferenceDesc
Explanation	MISC REVENUE - 2020 AMOUNT: $ 9,414.	ExplanationTxt

Schedule B IRS990ScheduleB

Contributor Information ContributorInformationGrp

Field	Value	IRS element (for citing)
Contributor	RESTRICTED	ContributorNum

Contributor Business Name ContributorBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	RESTRICTED	BusinessNameLine1

Contributor US Address ContributorUSAddress

Field	Value	IRS element (for citing)
Address Line1	RESTRICTED	AddressLine1
Address Line2	RESTRICTED	AddressLine2
City	RESTRICTED	City
State	RESTRICTED	State
ZIP Code	RESTRICTED	ZIPCode

Field	Value	IRS element (for citing)
Total Contributions	RESTRICTED	TotalContributionsAmt

Schedule D IRS990ScheduleD

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$58,420	OtherCostOrOtherBasisAmt
Depreciation	$43,469	DepreciationAmt
Book Value	$14,951	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,099,259	OtherCostOrOtherBasisAmt
Depreciation	$1,698,776	DepreciationAmt
Book Value	$400,483	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$415,434	TotalBookValueLandBuildingsAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$8,717,659	TotalRevEtcAuditedFinclStmtAmt
Donated Services And Use Fclts	$279,225	DonatedServicesAndUseFcltsAmt
Revenue Not Reported	$279,225	RevenueNotReportedAmt
Revenue Subtotal	$8,438,434	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$8,438,434	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$8,982,574	TotExpnsEtcAuditedFinclStmtAmt
Donated Services Use Fclts	$279,225	DonatedServicesUseFcltsAmt
Expenses Not Reported	$279,225	ExpensesNotReportedAmt
Expenses Subtotal	$8,703,349	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$8,703,349	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART X, LINE 2:	FormAndLineReferenceDesc
Explanation	THE ORGANIZATION IS A TAX-EXEMPT ORGANIZATION UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE, SECTION 501(C)(3), AND THE CALIFORNIA REVENUE AND TAXATION CODE, SECTION 23701(D). ACCORDINGLY, NO PROVISION FOR FEDERAL AND STATE INCOME TAXES HAS BEEN REFLECTED IN THESE FINANCIAL STATEMENTS. MANAGEMENT EVALUATED THE ORGANIZATION'S TAX POSITIONS AND CONCLUDED THAT THE ORGANIZATION HAD MAINTAINED ITS TAX-EXEMPT STATUS AND HAS TAKEN NO UNCERTAIN TAX POSITIONS THAT REQUIRE ADJUSTMENT TO THE FINANCIAL STATEMENTS. THEREFORE, NO PROVISION OR LIABILITY FOR INCOME TAXES HAS BEEN INCLUDED IN THE FINANCIAL STATEMENTS.	ExplanationTxt

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (1)	GrantRecordsMaintainedInd

Recipient Table RecipientTable (3 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	Recipient EINRecipientEIN	IRC SectionIRCSectionDesc	Cash GrantCashGrantAmt	Purpose Of GrantPurposeOfGrantTxt
COMMUNITY FOUNDATION OF THE VIRGINIAS
128 NORTH ST A	BLUEFIELD	WV	24701	550724623	501(C)(3)	$15,000	IN SUPPORT OF THE LIL TONY WEBSTER SCHOLARSHIP FUND IN A REGION TARGETED BY SAVERLIFE PROGRAMMATIC ACTIVITIES.
CAMBRIA COUNTY LIBRARY
248 MAIN STREET	JOHNSTOWN	PA	15901	250969448	501(C)(3)	$15,000	UNRESTRICTED CHARITABLE DONATION TO SUPPORT THE CAMBRIA COUNTY LIBRARIES IN A REGION TARGETED BY SAVERLIFE PROGRAMMATIC ACTIVITIES.
NEIGHBORHOOD TRUST
530 W 166TH STREET 4TH FLOOR	NEW YORK	NY	10032	133849263	501(C)(3)	$575,500	SUPPORT FOR FINANCIAL COACHING ACTIVITIES AND GENERAL OPERATIONS.

Field	Value	IRS element (for citing)
Total501c3 Org	3	Total501c3OrgCnt
Total Other Org	0	TotalOtherOrgCnt

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp (2 entries)

Grant TypeGrantTypeTxt	RecipientRecipientCnt	Cash GrantCashGrantAmt	Valuation Method UsedValuationMethodUsedDesc	Non Cash AssistanceNonCashAssistanceDesc
MATCHING PAYMENT TO SAVERS	2360	$394,391	BOOK	PAYMENTS TO SAVERLIFE CLIENTS TO INCENTIVIZE SAVINGS BEHAVIOR AND ENGAGEMENT WITH THE SAVERLIFE PLATFORM.
COVID ASSISTANCE	4574	$2,823,500	BOOK	DIRECT ASSISTANCE PAYMENTS TO INDIVIDUALS AFFECTED BY THE COVID PANDEMIC.

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2:	FormAndLineReferenceDesc
Explanation	GRANTS PAID TO NEIGHBORHOOD TRUST FINANCIAL PARTNERS DURING 2020 WERE CONTRACTUALLY REQUIRED SUBGRANT PAYMENTS. AS PART OF OUR PROCESS TO SUBGRANT, WE ISSUED NTFP A SUBGRANT AGREEMENT. THE AGREEMENT STIPULATED THAT ALL FUNDS WERE TO BE USED AS OUTLINED IN THE PROJECT PLAN AND BUDGET APPROVED BY THE FUNDER. ASIDE FROM THE AFOREMENTIONED AGREEMENT, SAVERLIFE DID NOT MONITOR THE SPECIFIC USE OF THESE GRANT FUNDS OR REQUIRE FINANCIAL REPORTING. SAVERLIFE MADE TWO UNRESTRICTED GRANTS TO ORGANIZATIONS IN COMMUNITIES WHERE WE HAVE GEOGRAPHICALLY-FOCUSED PROGRAMMATIC ACTIVITY. THESE GRANTS WERE UNRESTRICTED COMMUNITY SUPPORT TO OTHER NONPROFITS AND THE USE OF FUNDS WAS NOT MONITORED. SAVER INCENTIVES AND PRIZES PAID TO INDIVIDUALS WERE MADE IN RECOGNITION OF INDIVIDUALS WHO MET SAVINGS GOALS OR ENGAGED WITH THE SAVERLIFE TECHNOLOGY PLATFORM OR COMMUNITY. THE VARIOUS TYPES OF PRIZES AND REWARDS WERE BASED ON A WIDE RANGE OF ACTIVITIES AND ELIGIBILITY WAS DETERMINED PRIOR TO PAYMENTS BEING MADE. COVID ASSISTANCE PAYMENTS WERE UNRESTRICTED PAYMENTS TO INDIVIDUALS PRE-SCREENED TO MEET VARIOUS FUNDERS' REQUIREMENTS BE THEY GEOGRAPHIC OR NEED-BASED. NO EFFORT TO MONITOR THE USE OF THESE FUNDS WAS NECESSARY.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Committee	Yes (X)	CompensationCommitteeInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd
Comp Based On Revenue Of Flng Org	0	CompBasedOnRevenueOfFlngOrgInd
Comp Bsd On Rev Related Orgs	0	CompBsdOnRevRelatedOrgsInd
Comp Bsd Net Earns Flng Org	0	CompBsdNetEarnsFlngOrgInd
Comp Bsd Net Earns Rltd Orgs	0	CompBsdNetEarnsRltdOrgsInd
Any Non Fixed Payments	0	AnyNonFixedPaymentsInd
Initial Contract Exception	0	InitialContractExceptionInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (3 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
LEIGH PHILLIPS
CEO	$200,000	$0	$25,000	$0	$0	$0	$0	$0	$14,774	$0	$239,774	$0	$0	$0
DAVID DERRYCK
CHIEF IMPACT OFFICER	$200,000	$0	$10,000	$0	$0	$0	$0	$0	$12,902	$0	$222,902	$0	$0	$0
MEGAN WONG
FORMER VICE PRESIDENT OF PRODUCT	$175,210	$0	$0	$0	$0	$0	$0	$0	$9,187	$0	$184,397	$0	$0	$0

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (6 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART I, LINE 1 (CONTINUE)	SAVERLIFE'S BEST-IN-CLASS TECHNOLOGY PROVIDES EFFECTIVE SAVINGS PRODUCTS TO OUR MEMBERS AND, IN RETURN, PROVIDES US WITH DIRECT ACCESS TO TRANSACTIONAL AND AGGREGATE LEVEL DATA ON THEIR FINANCIAL LIVES. WE USE OUR DATA AND CONNECTION TO MEMBERS TO IDENTIFY SYSTEMIC BARRIERS TO MOBILITY, AND THEN ENGAGE WITH OUR MEMBERS AND PARTNERS TO ADVANCE SUSTAINABLE SOLUTIONS TO IMPROVE THEIR INDIVIDUAL AND COLLECTIVE FINANCIAL HEALTH.
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, EARN 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 DATE 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 XII, LINE 2B	NO CHANGE ON THE OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR.