our technology. OUR TECHNOLOGY / AN INTRODUCTION TO OUR ENTERPRISE

Financial Considerations Household Budget Management Inability to manage bills – impacts family – indicates lack of coping ECH Budget Management available now Personal Loans Police Credit Union – personal loan based on pension OUR WELLBEING MODEL / FINANCIAL CONSIDERATIONS

Physical and Emotional Health EnRICH Project – Proof of Concept demonstrate our capacity to deliver At Home until death at an affordable cost and through this, refine our ‘care management’ processes, including the use of technology where appropriate Indicating spend of $60k - $65k per annum sufficient to enable 24 hours support at home (predominantly in last few weeks of life) versus $80k per annum in Residential Care Aligns with Tune Review – Introduction of Level 5 Home Care Package (circa $55 - $65k per annum) Ensure accessibility of our services to all by continuing to develop and enhance an understanding of our potential members and create solutions that respond to their identified needs. Remain affordable and create pricing strategies that ensure sustainability. In the AtHome space at the time CDC was introduced ECH was the biggest provider of AtHome Services in SA with 712, dropped to about 650 and now back roughly to where we started. Loosing to death and RC not to other providers and the data that was released by the department last week confirms packages are not being released quickly enough. the 2015-16 Report on the Operation of the Aged Care Act 1997 reported 78,956 operational places at 30 June 2016 but only 60,069 consumers receiving a home care package, indicating 18,879 vacant packages.   By 27 February 2017, there were 72,272 consumers in home care, at which point the 6,684 remaining unassigned packages were absorbed back into the national pool – never to be seen again!    Much of the increase between June 2016 – June 2017 seems to be attributable to providers filling vacant places prior to the implementation of the Increasing Choice reforms in February 2017. However, there was much reduced growth from March – June 2017, with additional numbers of consumers only  in Level 2 packages and a decrease in consumers accessing higher level packages. We suspect that the redistribution of packages across levels by removing lower level packages in favour of fewer high level packages that we discussed is not yet reflected in the data due to the lag time in consumers accepting their packages and the clunky ‘upgrade’ system, plus the time taken to release the data reports. OUR WELLBEING MODEL / PHYSICAL AND EMOTIONAL HEALTH

Home Fit-For-Purpose Create additional opportunities for people to have a ‘home fit for purpose’. Rental Demand Increasing Home Share Concept Home Modification Concept Creating an ‘intentional community’ focussed on wellbeing. Integration of Wellness Centre and housing options Embedded within broader community – use of integral space Rooftop farm Create additional opportunities for people to have a ‘home fit for purpose’. Rental Demand Increasing 60+ women Tenuous lease arrangements with private landlords Home Share Concept Asset rich, income poor ECH connects lodger and tenant = ILU lease model Home Modification Concept Dividing existing home into two Incorporating new bathroom and/or kitchenette to define independent living zones ECH largely fund its RVs through an entry contribution model not a traditional DMF Our longitudinal research shows that our residents stay in the IL’s 7 years longer than the average and whilst that is partly due to our Home Maintenance Service through our P&FM as well as taking care of some household utilitites costs, and part of our At Home offering is extending to pick up similar services around HMS and Budget management. However it is also due to the social connections that they receive through our own IL service and because our model is small clusters of units that are part of the community not separate from the community. OUR WELLBEING MODEL / HOME FIT-FOR-PURPOSE

Social Connections Combat concerns about the potential ‘social isolation’ arising from continuing to live independently through the development of our Social Connections activity Enabling private home owners to create connections in neighbourhood via peer-to-peer volunteering (assisting other ECH members) Neighbourhood working Member Hubs Peer volunteering Member portal OUR WELLBEING MODEL / SOCIAL CONNECTIONS

Understand the customer journey Recognise the value of care management Social isolation and fear of isolation are real concerns Creating sustainable community is critical to enabling people to age well OUR WELLBEING MODEL / SOCIAL CONNECTIONS