; (2) simultaneously test both HOPE Accounts and HOPE Action Plans; (3) involve low-income individuals as equal partners in project planning and implementation; (4) make additional funds available directly to low-income households through action plans, either through government payments or through nonprofit subgrantees; (5) are matched by considerable non-Federal funds without penalizing very-low income, underserved rural and urban communities that cannot provide non-Federal matching funds; (6) propose concrete plans for long-term sustainability and expansions without future Federal grant funds; (7) assist low-income households to apply for the Federal earned income tax credits and State tax credits; (8) provide resources in both English and additional languages commonly spoken in the applicable area; (9) prioritize client-facing, fully tested technology and mobile device applications; (10) include a robust monitoring and evaluation planning and reporting plan, including proposed staffing and reporting for that plan, including reporting on the extent to which the pilot makes it easier, quicker, and less costly for low-income individuals to access a variety of benefits, the extent to which the pilot will save administrative funds over the long-run, the extent to which the accuracy and integrity of the benefits programs included are maintained or improved, and the extent to which low-income households are able to more easily obtain free or low-cost banking services; (11) subcontract part of the pilot project implementation work to United States-based private businesses, banks, savings and loans, credit unions, co-ops and nonprofit organizations described in section 501(c)(3) of the Internal Revenue Code of 1986 with relevant, successful experience in similar or related project activities