Earn Inc.

“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.”

“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.”

“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.”

“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).”

“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.”

“No change on the oversight process or selection process during the tax year.”