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How a Shared Focus on Community Brought Kelvin Beachum to Earnin

July 10, 2019

Earnin is building a better financial system for everyday people, but we know we can’t do that alone. We’re always looking for friends who understand our cause, and today we’d like to introduce one of our newest allies.

After growing up in the small town of Mexia, Texas, Kelvin Beachum went on to earn his bachelor’s and master’s degrees from Southern Methodist University. Beachum currently plays professional football as an offensive tackle for the New York Jets and is also a speaker, and philanthropist. We recently spoke with him here at Earnin HQ about how his upbringing and emphasis on community drives his outlook and led to his discovery and support of Earnin.

Earnin: What made you interested in Earnin?

Kelvin Beachum: You know, I had been looking at the fintech (financial technology) space for a while. I was thinking about ways in which communities can be built and communities can be brought together. And there was a guy over at one of Earnin’s investors by the name of Chris Lyons that told me about this company, Earnin. So, I started asking people in Texas, “Have you ever heard of Earnin? Have you ever used it?” and got a quality response. And ultimately, came to a decision where I had conviction in what you all were doing and the community you were building. It was actually equipping people and empowering people, and for me that was impactful.

E: Community is something that’s very ingrained in both what Earnin stands for as well as in our product. What does it mean for you and how have you dedicated yourself to community?

KB: The thing is I realized that God has blessed me with a phenomenal platform to play the game of football, and at any point in time, I could still be in Mexia working on cars. For me to understand that, I need to be able to go and serve. Being able to go and serve at soup kitchens and being able to do food distributions are one thing. Being able to go and tell young people about the impact of STEM or STEAM education, science, technology, engineering, and math, and being able to equip them with some of the tools to be ready to come into this tech ecosystem that’s really just booming right now, I find that’s important to me. So for me the service aspect, the community building, that’s something that I’m going to do regardless if I’m playing football or not. I want to do it for as long as I can because I realize how important that is to so many people.

E: It sounds like hunger is one of the most important causes for you. Can you share a little about why you focus on that area?

KB: We grew up on, they call it food insecurity now, but we grew up poor. That's just what it was back in Mexia, and in the rural environments you really just don't have the access [to fresh food]. Everything is fried. I mean it's Jim's Crispy Fried Chicken. That's the only restaurant in the city, other than McDonald's and Whataburger. So, it's seeing that that was a life that I was exposed to, and now it's interesting to see how things have changed for me, and to be able to impact people with the opportunity to have fresh vegetables. I think Ram (Earnin CEO) talked about this earlier. He talked about that we spend more on overdraft fees than we spend on fresh vegetables. When you think about the hunger epidemic that's not only happening here but around the world, that's unreal. And we waste so much food, as well. So many things that are somewhat broken, and I'd rather be a part of the solution than just talking about the problem.

E: You came from a small town. How does that impact your worldview?

KB: I think it gives me a different context because I came from Middle America, so when I hear companies that are talking about impacting Middle America, that gets me excited. When you think about Earnin and what you all have done, you’re impacting Middle America. There’s people in Mexia, Texas that can use this product. There’s people in Nebraska, there’s people in North Dakota, there’s people in the Midwest that can use this product. When I find companies that have the ability to, yes, be able to win on the coast, but also win in the middle of the country, I’m fascinated by those things.

E: I have a quick question before you go. You can plead the fifth if you don’t want to answer. Warriors or Raptors?

KB: Raptors! I’m a Kawhi Leonard fan. I told y’all I’m from Texas, I love the Spurs. Love the Spurs, so I hated to see Kawhi go, but I was so happy to see him beat down on y’all boys.

Kelvin Beachum at Earnin

Even if we disagree on basketball (go Warriors!), we’re glad Mr. Beachum can recognize Earnin’s commitment to building a service that helps average workers. Whether it’s through providing food to the needy, educating the next generation, or helping our friends and neighbors access the money they’ve earned, our shared focus on fellowship brings us together. We’re proud he has our back as we expand the Earnin community and keep fighting for financial fairness.

1Disclaimer: Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. Restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

2Disclaimer: Balance Shield cash out is subject to your available earnings and daily pay period max. Other restrictions and/or third party fees may apply. For more information visit earnin.com/TOS.

3NO PURCHASE NECESSARY TO ENTER OR WIN. Must be 18 years of age or older and a legal resident of the U.S. or DC. Games begin each Sunday starting 12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the last Game ending 12/19/21. To download the App, view the Official Rules, odds disclosures, prize details, and alternate means of entry, visit https://www.earnin.com/wewin/. Void where prohibited. $10,000,000 grand prize payable over 29 years. Sponsor: Activehours, Inc. (d/b/a Earnin ®), 200 Portage Ave, Palo Alto, CA 94306.

4Disclaimer: Up to 2 days early is based on comparison with traditional banks. Exact timing is dependent on your employer's payroll policies. For more information on eligibility and requirements of Earnin Express, visit earnin.com/TOS.

5Source: Internal analysis conducted by Earnin on December 10, 2020.

1Restrictions on use of Services and/or third party fees may apply, see Earnin.com/ privacyandterms for details.

2Balance Shield cash out is subject to your available earnings and daily pay period max. Other restrictions and/or third party fees may apply. For more information visit Earnin.com/privacyandterms.

3Tip Yourself Account funds are held with Evolve Bank & Trust, Member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% APY and $0 monthly fee service. Other restrictions and/or third party fees may apply, see Earnin.com/privacyandterms for details.

1Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. Restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

2Restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

3Balance Shield cash out is subject to your available earnings and your daily pay period max. Other restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

4NO PURCHASE NECESSARY TO ENTER OR WIN. Must be 18 years of age or older and a legal resident of the U.S. or DC. Games begin each Sunday starting 12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the last Game ending 12/19/21. To download the App, view the Official Rules, odds disclosures, prize details, and alternate means of entry, visit WeWin Game & Sweepstakes Official Rules. Void where prohibited. $10,000,000 grand prize payable over 29 years. Sponsor: Activehours, Inc. (d/b/a EarninⓇ), 200 Portage Ave, Palo Alto, CA 94306.

5Tip Yourself Account funds are held with Evolve Bank & Trust, Member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Your Tip Yourself Account and any Tip Jars are not Savings Accounts. For more information/details visit earnin.com/tos.

6Up to two days early is based on comparison with traditional banks. Exact timing is dependent on your employer’s payroll policies. For more information on eligibility and requirements of Earnin Express, visit earnin.com/tos.

7Your Max on Earnin Express is up to 80% of your payroll or $1000, whichever is less. The 80% is dependent on you routing your full paycheck to Earnin Express. For more information on eligibility and requirements of Earnin Express, visit earnin.com/TOS.

8By using Cash Back Rewards (powered by Empyr) you allow participating merchants and/or card networks details of your transactions. For more information, see Earnin.com/tos.

9Learn how we collect and use your information by visiting our Privacy Policy.

1Disclaimer: Restrictions and/or third party fees may apply, see earnin.com/tos for more details. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection.

2Disclaimer: Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. Restrictions and/or third party fees may apply, see Earnin.com/TOS for details

3Disclaimer: Community Member must have had at least 1 successful debit with Earnin. Limit to 1 Max Boost per pay period. A boost will not adjust a Community member's daily max. Restrictions may apply, see earnin.com/tos for more details

*Disclaimer: Balance Shield cash out is subject toyour available earnings and daily pay period max.Other restrictions and/or thirdparty fees may apply. For more information visit earnin.com/TOS

1Restrictions may apply, see earnin.com/tos for more details. Tip Yourself Account funds are held with Evolve Bank & Trust, member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Your Tip Yourself Account and any Tip Jars are not Savings Accounts. For more information/details visit earnin.com/tos

2Disclaimer: NO PURCHASE NECESSARY TO ENTER OR WIN. Must be 18 years of age or older and a legal resident of the U.S. or DC. Games begin each Sunday starting 12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the last Game ending 12/19/21. To download the App, view the Official Rules, odds disclosures, prize details, and alternate means of entry, visit https://www.earnin.com/wewin/game-rules/. Void where prohibited. $10,000,000 grand prize payable over 29 years. Sponsor: Activehours, Inc. (d/b/a Earnin), 200 Portage Ave, Palo Alto, CA 94306.

3Disclaimer: Restrictions Apply. See earnin.com/tos for more information

*Disclaimer: Up to 2 days early is based on comparison with traditional banks. Exact timing is dependent on your employer's payroll policies. For more information on eligibility and requirements of Earnin Express, visit earnin.com/TOS.

**Disclaimer: Restrictions and/or third party fees may apply, see earnin.com/tos for more details. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection.

*(*) Internal analysis conducted by Earnin in January 2021, represents total users who Cashed Out at least once from January 1 to December 31, 2020.

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