CharacterBank Inc.
USA

About Us
Investment Opportunity
Mission
Pain Points
Our Team
Character Code
Market
Gallery

About Us

At CharacterBank™, we recognize that the pursuit of the ideal employee extends beyond mere task completion – it's a strategic necessity. In a world where 61% of top executives grapple with this profound challenge, our core mission is to revolutionize the way organizations approach talent acquisition. Our goal is to ensure that every team addition becomes a lasting asset, propelling businesses towards enduring success.

The hard truth is that a substantial 20-25% of candidates often fall short of fulfilling their roles, causing significant disruptions and setbacks for companies. Fueled by this insight, we embarked on a journey to craft a solution that transforms the hiring paradigm.

Our groundbreaking approach hinges on the utilization of CharacterCode™, a licensed character profiling tool at the heart of our innovation. Unlike conventional methods that focus on behavior or personality, our methodology goes deeper, unveiling the intrinsic character of individuals. We firmly believe that character remains steadfast amidst the shifting sands of personality and behavior, serving as a more reliable indicator of a person's potential for success.

By harnessing the unparalleled potential of CharacterCode™, we arm HR Managers with a distinct advantage. This tool empowers them to pinpoint candidates whose inherent character seamlessly aligns with the demands of each role. The outcome is an efficient hiring process that not only saves time but also enhances the likelihood of candidates thriving in their positions.

At CharacterBank™, we are dedicated to not only unlocking the potential within individuals but also fostering growth and development within organizations.

Our Team

Bernard Yeo (Hon. PhD.)

President / Director

Brought in revenue of over $25M since 2012 for conducting training on 9UCATM Character Profiling Methodology which was developed from his outstanding research for which he was awarded an Honorary PhD in Human Capital Development & Human Profiling as well as an Honoris Causa Doctor of Science. A Researcher who has an analytical mind and the ability to see patterns and to draw conclusions from such patterns. He has trained over 6,000 students and raised over US$2M.

Michael Wan

Vice President / Director

Qualified Accountant (ACCA-UK); MBA (UK); have over 40 years of experience in Accounting Practice, CFO in American MNC, overseeing Family Office Investment funds of over US$500M, as well as managed relationship with Bankers, Auditors, Lawyers, Tax Consultants and overall responsibility for Accounting and Tax for 12 countries in Asia-Pacific as well as an Entrepreneur for over 20 years.

Dr. Charlie In

Independent Director

Chairman of Raffles Capital and special advisor to Marina Bay Capital with over 40 years of investment and private banking advisory services. Advisor to AXA, BASF, Citibank, DBS, Hilton, IBM, Microsoft, Motorola, Siemens, Volvo as well as Chairman of several public-listed companies listed on the ASX and SGX.

Steney Gee

Chief Training Officer

With over 20 years of training and development experience he has trained over 2,000 students in both English and Chinese. Currently, Steney is the Chief Trainer for the UCATM Career Coach course which is one of the accredited Singapore SSG-funded courses. Steney has also contributed to the creation of a number of books, reports, and web applications, all designed to inspire and empower individuals to achieve their full potential.

Mahesh Premachandran

Chief Technology Officer

Holds a MSc in Information Systems and a MSc in Psychology, is an innovative software professional with over 23 years of experience, focused on data analytics domain including artificial intelligence, machine learning, data warehousing and business Intelligence. Highly accomplished in influencing decision-makers and driving profitability across the organization. Result Oriented and solution driven technical manager with experience in delivering complex technical projects.

Investment Opportunity

CharacterBank™ presents a compelling investment opportunity, aimed at securing $65 million in funding over a 5-year span. Our roadmap is meticulously planned, starting with seed investment, moving through various series investments, and culminating in a Nasdaq IPO. What sets us apart is the incremental growth strategy, with a projected $1 increase in share price at each developmental phase, leading to an IPO share offering at $6.

CharacterBank™ provides not just a timely solution to an ageold problem but an opportunity to invest in a game-changing technology set to revolutionize the talent acquisition landscape. The financial, strategic, and operational elements of our business model are designed for both short-term gains and long-term sustainability, making this a unique and compelling investment opportunity.

Reason for Investment	Why Invest in CharacterBank™?
Solving a Universal Problem	Addresses a challenge faced by 61% of top executives in the multi-billion-dollar talent acquisition market.
Proven Technology	CharacterCode™ offers an evidence-based, ground-breaking approach for evaluating long-term employee fit.
Scalable Business Model	The tool can be adapted across sectors and business sizes, with revenue diversification opportunities.
ROI and Cost Savings	By reducing turnover costs, CharacterBank promises a strong ROI, aiding customer acquisition and retention.
Financial Trajectory	Clear roadmap to secure $65 million over 5 years, with gradual $1 share price increments leading to a $6/share Nasdaq IPO.
High Growth Potential	Demand for CharacterBank's unique services is expected to rise sharply, offering exponential ROI.
Nasdaq IPO	The end-goal of a Nasdaq listing offers a clear exit strategy and a projected $6/share provides significant upside.
Visionary Team	Led by industry experts and thought leaders, ensuring the company is well-guided for success.

Financial Forecast

FY 2023 - 2027

Forecast (US$)	YR 1	YR 2	YR 3	YR 4	YR 5
Revenue (US$)	46.1M	104.0M	179.8M	278.3M	426.8M
Profitability (A/Tax)	9.5M	21.3M	41.2M	72.8M	128.8M
Cummulative ROI % (After Tax)	18.6	58.1	111.7	190.0	310.2
Market Capitalization-PE--12est.	114M	256M	494M	874M	1,546M

Cash Out For Investor

FY 2023 - 2025

Descriptions	YR 1	YR 2	YR 3	YR 4	YR 5
Earnings – NPAT ($M)	9.3	29.1	40.9	72.5	128.5
Shares (M)	50	50	50	50	50
Earnings Per Share ($)	0.19	0.58	0.82	1.45	2.57
Price Earnings Ratio (PE)	20	20	20	20	20
Market Capitalization ($)	186	582	818	1,450	2,570
Discount for lack of marketability/liquidity	20%	20%	20%	20%	20%
Adjusted Market Valuation ($)	149	466	654	1,160	2,056
Shares Outstanding (’000)	50	50	50	50	50
Price Per Share Based on M/Cap ($)	3.0	9.3	13.1	21.8	37.1
Placed Out Shares - 1M	1	1	1	1	1
Subscription Price ($)	2.92	8.96	12.34	21.48	37.38
Price Per Share After Place Out ($)	2.92	8.96	12.34	21.48	37.38

Note: The table provides updated information regarding the company's earnings, market valuation, and share price, taking into account a 20% discount for lack of marketability/liquidity. The adjusted market valuation and the resulting share price for the first listing and after the place out of 1 million shares are also included, along with the subscription price in dollars.

Investment Type: Common Shares
Offering Type: Reg D 506c
Funding Goal: $2,000,000
Initial Amount Raised: $0
Minimum Investment Amount: $2,000

CAPITAL STACK

Total

Financial Highlights

Image Gallery Video Gallery

Mission

Embracing the power of character allows us to live a life of lasting achievement and fulfillment.

By understanding our strengths, weaknesses, and innate abilities, we can leverage our character to achieve success in all areas of life.

Whether it is wealth, health, relationships, or personal growth, character forms the foundation for a meaningful and purposeful life.

By continuously developing and strengthening our character, we unlock our true potential and create a positive impact on the world around us.

Target Audience

Approximately 97% of employees believe that lack of alignment within a team impacts the outcome of a task or project. Good organizational alignment leads to optimum performance, belonging and personal satisfaction, which are essential factors in creating a work environment where employees want to stay and excel.

HR Managers

Select the right fit for a position with greater accuracy, thereby saving recruitment and turnover costs
HR automation software automates the hiring process, streamlines it and makes it more efficient.
Online recruiters can quickly evaluate candidates because the application tracking system keeps all of the necessary candidate data in one location.

Investment Analysts

CEOs make substantial decisions around strategy, resource allocation, M&A, and hiring and firing top talent, so making those decisions in the best way possible will have an outsize impact on the performance of the company.
Investment Analysts having knowledge of the Characer Code of the CEOs will help them in making their investment decision better.

Investors

Investors who know the Character Codes of the CEOs of listed companies will have the added advantage of knowing which particular company, with the CEO having that Character Code, will be a sure winner

Project Title	Document Title	Action
CharacterBank Inc.	CharacterBank PPM RegS v5	View
CharacterBank Inc.	CharacterBank RegS Subscription Agreement	View

Industry Pain Points

COST TO GLOBAL ECONOMY

US$7.8 TRILLION

(11% of GDP Globally)

COST OF MIS-HIRE

1.5 TO 2 X ANNUAL SALARY

21%

of employees are engaged at work

Gallup Inc. State of the Global Workplace: 2022 Report

33%

of employee are thriving in their overall wellbeing

Gallup Inc. State of the Global Workplace: 2022 Report

26.3%

of the annual employee turnover rate

US 2017

Benefits of Engage Employees

23% Higher Profits
Lower Absenteeism
Lower Turnover
Lower Accidents
Higher Customer Loyalty
More Innovative
Higher Problem Solving Skills

Character Code

Based on our research using big-data analytic by means of artificial intelligence and machine learning algorithm, we were able to synthesize the character traits of thousands of individuals' data since 2008, into the following nine archetypes, differentiating their unique innate abilities that contribute to their character, which we call CharacterCode™ as follows :

Character Profiling

Character is the essence of who we are as individuals. Character refers to the unique combination of our values, beliefs, and actions. It encompasses our strengths, weaknesses, and innate abilities. Understanding our character allows us to leverage our strengths, work on our weaknesses, and make the most of our innate abilities.

Boost Profit with Upsell & Cross-Sell

Cross sell, Upsell to up size the Profitability :

CEO CharacterCode™ Reports for Listed & Unlisted Company
Forecast Next Year Conditions for each CharacterCode™
Custom Individual CharacterCode™ Reports
CharacterCode™ Team Dynamic Reports
CharacterCode™ Organizational Alignment Workshop
CharacterCode™Career Coaching Certification Course

Unfair Advantages

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Market Opportunities

Global HR & Recruitment Services Market Size in 2022 is estimated to be US$772B. The size of the global online recruitment market was USD29.3B million, and by 2029, it is projected to increase to USD 47.3B, with a compound annual growth rate (CAGR) of 8.1%.

Use of Funds

US $500 for 500 shares ; $1 per share
Raise $30 million over 5 years starting from seed investing, to series investing, to pre-IPO, and finally Nasdaq IPO with an increase of $1 in share price at each step.

44%

Personnel Hire

30%

License Fee based on Sales

15%

Technology

10%

Working Capital

Funds Raised Series	No. shares (M)	Price P/Share	Lot Size {2}lt;/th>	USD ($M)
Pre-Seed	50	$0.0001	2500	5,000
Seed A - YR 1	1	$1.00	2500	1,000,000
Seed B - YR 2	1	$2.00	2500	2,000,000
Series A - YR 3	1	$3.00	2500	3,000,000
Series B - YR 4	1	$4.00	2500	4,000,000
Pre-IPO - YR 5	1	$5.00	2500	5,000,000
Nasdaq IPO - YR 5	5	$6.00	2500	30,000,000
				45.005.000
Total	60			5,000

Investment Summary

Deal Type: Investment
Sponsor: CharacterBank Inc.
Hold Period: 4 YR.
Funding Goal:$2,000,000
Investment Type: Common Shares
Min. Investment: $2,000

Video Gallery
Michael Wan (Director)
michaelwan@characterbank.biz
characterbank.biz

Documents

CharacterBank Inc.