Gift Certificates are created and donated to schools and non-profit organizations by business sponsors. The Gift Certificates contained, managed and redeemed through the How-Wallet App. How We Fund It Members give support to a school or non-profit organization through their monthly Membership fee. In return, they receive the How-Wallet App as a thank you gift from the organization they support. Members use the How-Wallet to save money on the goods, services, dining, entertainment offered by local businesses or anywhere within the How We Fund It network. 77%-94% of their Membership Fee goes to the cause they support.