TRANSCRIPT Intro 12/16

The transcription discusses the Point in Time Service Design Logistics Company, which aims to enrich the lives of middle-market older adults in Chicago through community-based lifestyle solutions. It addresses the growing demand for affordable senior housing and services for this demographic. The company utilizes a platform business model, leverages existing community networks, and focuses on predictable revenue with low-cost structures. Point in Time emphasizes the importance of addressing real-world problems and has a strong founder-customer fit. Shared housing is highlighted as a practical option for middle-market older adults facing financial challenges. Overall, the company aims to provide a sustainable and profitable solution to the underserved aging population in Chicago. Point in Time Service Design Logistics Company is the detailed coordination of people, infrastructure, products, services, amenities, and technology. A for-profit company with a non-profit division. Our mission, enriching lives across all of life's journey. Attainably, for 55 and over middle market solo agers, our mission comes to life through a unique impact investment opportunity that helps curate a perpetual flywheel of life across diverse Chicago neighborhoods for middle market older adults. Curator's notes, the middle market opportunity in Chicago. Why collaborative community living works. A demographic shift so large, the risk is minimal. Chicago is experiencing one of the most profound demographic transitions in its history. The aging population is expanding rapidly while traditional senior housing options remain financially out of reach for more than half of older adults. This imbalance creates a structural long-term demand that dramatically reduces investor risk. Point in Time is built on the platform business model and will build into each neighborhood location a virtual transaction platform known as the Bison Club Market and a service platform known as the Bison Club Wellbeing Initiative, delivering a better outcome mind, body, and soul to our members below retail cost. Undeniable market realities, total households in Chicago over 1,146,000. Middle market household income ranges from $50,000 to $150,000 annually. Total middle market households, 475,000 or 41.5%. Residents age 55 plus totals over 500,000 and growing. 54% of middle market older adults will outlive their money and not have the wherewithal to go the distance and pay for the support they need. Projected doubling of Americans age 65 plus by 2050 already visible in Chicago. 2.6 million Chicagoans of all ages have access to the Bison Club platforms. The middle market is the largest, fastest growing, yet most underserved segment of the aging population. Too wealthy for subsidized housing but unable to afford private pay senior housing or in home care. This misalignment ensures persistent, durable demand for community-based lifestyle solutions that are attainable and desirable. Point in time, a model built for a demographic megatrend. Point in time is designed around the economic and social realities of the middle market. A high demand, low supply category with no equivalent competitor solution. Neighborhood-based delivery, lowering cost of acquisition and increasing adoption. Scalable across Chicago's 77 neighborhoods and replicable nationwide. Each community stands on its own financially and multiple communities in multiple neighborhoods reduce risk. Projected penetration and stability. 800 resident members reside in 50 neighborhood collaborative communities. 0.16% neighborhood penetration. 75,000 Bison Club neighborhood members reside across the 77 Chicago neighborhoods. 3.39% citywide penetration. These figures represent only fractional penetration, yet still generate meaningful volume. Another factor that reduces investor risk. Why the risk profile is exceptionally low. One, extreme demographic certainty. Unlike trend-driven markets, aging is inevitable and mathematically predictable. Chicago's aging population is expanding at a pace that outstrips available services ensuring inelastic recession-resistant demand. Two, structural undersupply creates long-term security. Senior housing costs continue to rise above middle market affordability levels. Subsidized solutions remain limited and underfunded. Across the nation, only 10% of older adults even consider some form of status quo senior living with only 3% buying in. No comprehensive neighborhood-based alternative currently exists. The components for daily living are a fundamental human need. It is tied to biology, not the economy. This guarantees a permanent market gap that Point in Time is uniquely positioned to fill. Three, the Point in Time unique marketing program. Marketing from the parish pulpit tackles the expensive task of finding customers. It's called leveraging high-trust networks. This unique opportunity is the genius of not spending on digital ads when you can just tap into existing highly-trusted social infrastructure. The Point in Time marketing pro forma indicates pre-leasing 22 collaborative communities over two years. Point in Time is not a speculative program. All communities are pre-leased prior to construction. Four, high-trust networks already exist, 143 parishes in Chicago and 216 regionally, 300,000-plus active parishioners in Chicago proper, 500,000-plus parishioners regionally. These networks provide instant trust, distribution and engagement, lowering acquisition costs and reducing rollout risk. The over 300,000 active parishioners want to see their Catholic infrastructure put to good use. User-generated marketing will play a key factor as well. Older people are more likely to trust the service that's recommended or even housed within their parishes that they've attended for decades. Instant trust dramatically lowers acquisition costs and reduces rollout risk compared to just starting from scratch. We have been turning existing parish assets like the church bulletin and coffee in the parish hall along with volunteer networks into low-cost distribution points as well as solving the trust deficit that plagues so many new service providers. Number five, multi-sector strategic alignment. Investors benefit from synergy across healthcare systems seeking lower-cost community solutions, parishes and non-profits seeking new engagement pathways. The remodeled convent's parish will receive a new long-term revenue stream. Point in Time will fill a need for scalable aging-in-place models, academia participation, humanitarian programs like Point in Time attract good people who love their career choice but resent that their work environment is bottom-line driven. Our architects, engineers and construction team are on board to be part of and support the humanitarian mission. This alignment strengthens durability and reduces systemic exposure. Long-term durability, it's not only good for our members but for all of our stakeholders as well. Durability comes from the synergy we create with key partners in the neighborhoods and the city of Chicago. Take healthcare systems, hospitals are always looking for lower-cost alternatives to manage patients and help prevent expensive, avoidable readmissions. Point in Time is a platform on which to work across disciplines to continually design and build a better living experience. Access to data and research. Working on real-world problems has two key takeaways. We find people from within the aging industry and those affiliated that are very supportive of Point in Time and are willing to contribute in order to help deliver a better aging experience. The aging industry has an abundance of researchers, thus unlimited research data that unfolds the challenges facing our aging society. The researchers are not innovators or builders and are searching for programs like Point in Time to build upon their research. Number six, predictable revenue, low-cost structure. Point in Time's model prioritizes recurring subscription membership revenue, distributed service delivery inside neighborhoods, minimal fixed real estate overhead, attainable, desirable, profitable, and sustainable. Point in Time does not add an acquisition, construction management, or development fees to the cost of the community, and there is no markup on the finished product in order to deliver an attainable lifestyle. The result, high margin potential with minimal capital risk. Today, the subscription-based business model is growing five times faster than U.S. retail sales. Bottom line for investors, the middle market aging demographic is so large, so stable, and so underserved that the opportunity carries extraordinarily low risk and unusually high long-term visibility. Point in Time leverages entrenched community networks and scalable neighborhood engagement to capture a massive guaranteed demand curve. Point in Time is addressing a real-world problem, not a founder tourism project. A founder tourism project is a tongue-in-cheek term used in the startup world to describe companies that are built by founders with money or privilege, lack deep personal connection to the problem, imitate trends. It's called tourism because the founders are essentially visiting a problem space rather than living in it. Point in Time understands the challenge because strong founder problem fit. We have identified an obvious customer, middle market older adults. Boots strapped for over 10 years to reach the launching point. We have pricing power on several levels, providing solutions to challenges that will affect all of society. We have team members that work or have worked in the industry. Many team members experience caring for loved ones firsthand. We care about the people affected over the bottom line. There is no finish line. Our flywheel of innovation team is continually working across disciplines to deliver a better aging experience. We reach product market fit faster and continually. The program requires less capital overall. The entire team has a strong customer love. A word about shared housing. Shared housing isn't perfect, but it's practical, often a smart choice for middle market older adults on a fixed income, especially in cities with high care and housing costs like Chicago. A blue collar life in America has always been perfect imperfection. You can't always get what you want, but if you try sometimes, you just might find you get what you need. Remember, 54% of middle market boomers will not have the wherewithal to go the distance and enjoy their gift of longevity. That equates to over 142,000 boomers. Collaborative community living can provide this large cohort an attainable, desirable lifestyle. If not now, when? If not us, who? When you look at the Chicago demographics, the sheer scale of this group is breathtaking. Middle market older adults are stuck in this financial chasm with no attainable solutions in sight. Point in time provides exceptional value in the form of goods, services, and a cutting edge home delivered to our members, 20 to 70% below retail cost, yet provides a profit to be used as a resource to further reduce our members' cost of living. Shared housing certainly isn't for everyone, but for many middle market solo agers on a fixed income, it helps eliminate loneliness and isolation and provides financial stability, which is the key to long-term success. Point in time provides financial stability, which leads to less anxiety and better health and well-being, mind, body, and soul. The more affluent, including those that may consider investing in the point in time program, have the wherewithal to go the distance with access to the lifestyle they desire. Investors in the point in time program will appreciate the fact they can help bring a viable solution to middle market solo agers, enabling them to go the distance. The point in time collaborative community living is, by far, the most capital efficient, value enriched model for middle market Chicago. Members remain in charge of their life, achieving independence through interdependence. Much of the status quo senior living is a form of shared housing. The difference is, as a resident, you're not in charge of your life. The Chicago middle market total households in Chicago, over 1,146,000. Middle market household income ranges from $50,000 to $150,000 annually. Total middle market households, 475,000 or 41.5%. Residents age 55 plus, over 500,000 and growing, 54% of middle market older adults will outlive their money and not have the wherewithal to go the distance and pay for the support they need. Projected doubling of Americans age 65 plus by 2050, already visible in Chicago. 2,600,000 Chicagoans of all ages have access to the Bison Club platform. A middle market housing study performed at the University of Chicago by NOR confirms that 54% of middle market boomers will outlive their money and not have the financial resources to go the distance and pay for traditional senior housing or in-home care. Bob Kramer, a mover and shaker in the aging industry, says there is a tremendous business opportunity for innovators that find a winning middle market formula. Point in Time has developed a winning middle market formula, an entirely new holistic lifestyle built on a platform business model around the user experience of a younger cohort. The first of its kind, middle market solution for those 55 plus. The winning formula begins at the intersection of urban neighborhoods and historic dwellings as Point in Time curates a collection of historic convents. The neighborhood Catholic convent has always been the hub, the tree of life within the neighborhood. Through first principle thinking and the adaptive reuse of dormant convents, Point in Time delivers value by continuing the mission of the hub and building on the nun's philosophy of providing a pipeline of services and support to the entire surrounding neighborhood. Point in Time is focused on the redesign and delivery system of the essential components required for daily living. We cannot continue to rely on affordable housing, the dwelling itself, to save the day. If we are to be effective in providing a lower cost of living and a better outcome to middle market solo agers, we need to focus on curating their entire lifestyle and delivering it attainably. Point in Time communities are by far the most capital efficient model for middle market solo agers. The lifestyle delivers attainability across diverse neighborhoods, desirability well beyond middle market standards. Point in Time provides above average profitability for you, our financial partners, with additional profit available to be used as a resource to deliver an overall lower cost of living to both our resident and neighborhood members in a model sustainable for decades. Bringing attainability, desirability, profitability, and sustainability together is somewhat of an anomaly in today's bottom line driven world. At Point in Time, we have the unique opportunity to deliver this entirely new lifestyle to multiple middle market people residing within multiple diverse Chicago neighborhoods. But to truly make a forever impact and transform the aging experience for middle market America attainably, it is imperative that we look beyond the walls of the neighborhood collaborative community clubhouse and focus on the entire surrounding neighborhood ecosystem. A study by AARP tells us 88% of adults 50 to 80 want to age in place at home. Those who wish to remain at home become our neighborhood members to whom we provide a pipeline of services and support. Place, the neighborhood where people have put down deep roots, is the nucleus of life and essential in living longer, healthier. In essence, place can play a pivotal role in successful aging. At Point in Time, we don't ask middle market older adults as single payers on a fixed income to bear the total cost and provide all the revenue required for Point in Time to operate and our members to enjoy this holistic lifestyle. But rather, we rely on multiple sources of revenue from multiple payers residing within the surrounding neighborhood, small amounts of money from large numbers of people of all ages. Multiple payers, same amount of debt means increased profit, less risk for the stakeholders, a healthier, lower cost for living for the payers. Point in Time has built into each neighborhood location a virtual transaction platform known as the Bison Club Market and a service platform known as the Bison Club Wellbeing Initiative, delivering a better outcome mind, body, and soul. Both platforms provide quality components, essentials, and services below retail cost yet generate a profit to be used as a resource to further reduce our members' cost of living by 20 to 70%. This is the science behind the winning formula. There are many other Bison Club programs, value-enriched and revenue-generating, ready to be implemented and others under development. The Point in Time unique growth pattern continually takes us from one Chicago neighborhood to another as future members tour the model and see the potential their own neighborhood convent holds. Moving forward, the Point in Time team with boots on the ground in each new neighborhood cultivates real community engagement to curate a niche monopoly of products and services that resonate strongly with the specific needs of our neighborhood audience, building strong member relationships. Through the platform business model and neighborhood network effects, we continually increase market share and sustainable growth for the Bison Club Market and Wellbeing Initiative, creating a perpetual flywheel of revenue and support. Once started, the Point in Time perpetual flywheel of revenue and support ties directly to our members' cause and effect. The cause, purchasing the products and services below retail cost to live a more enjoyable and healthier life. The effect, their purchase generates a profit to be used as a resource to continually deliver a lower cost of living across all of their life's journey. The Point in Time lifestyle is an impact investment with a generous return for our stakeholders. The impact is about advancing this just cause, something bigger than ourselves, a vision of the world we hope to live in and commit to help build. Together, we can make a forever impact in the lives of middle market older adults, revitalize neighborhoods, create good jobs with career paths, and provide a new source of revenue to help support the parishes leaving behind a legacy that will outlast our finite presence. The Point in Time impact investment. We use conservative projections within our proformas. Peter Lynch's 10-bagger concept is a key part of our investment philosophy. A $200,000 investment in the Point in Time lifestyle, a platform business model holds the potential to deliver an ROI of over 15 times investment with a floor of 10 times investment over 12 years. Thank you for taking time to learn more about Point in Time. This concludes the short introduction to the Point in Time holistic lifestyle. More details unfold over the following pages. Tap the design manual link if you would like to continue the audio, or if you prefer, browse the areas of interest. A quick look at the photos portrays the Point in Time lifestyle and culture that sets the stage for this generous impact opportunity.