Lumi X Tree Workshop Discussion Document

DRAFT - FOR DISCUSSION ONLY

Internal Innovation and External Sustainability Quests

Build an internal culture of innovation and a community that grows the brand and serves as an acquisition & talent funnel

Tree's Roadmap and KPIs, and How Lumi can Help

2024

Tree's KPIs

How Can Lumi Support Tree

Jan

• Internal Quests to build a culture of innovation that fuels top & bottomline growth
• External Quests to build a community to influence and acquire customers

Financial: Increase Top line Growth (GWP)Financial: Maximize Profit (Loss Ratio)

Pet and Telematics

Apr

Motor Comprehensive

Jun

• Deliver concrete outcomes for the community (e.g., skills, recognition, startup ideas) and demonstrate genuine care for issues that matter to build loyalty

CX: Create a loyal set of adopters & promoters

SME Health, Cyber (SME, Retail)

Aug

Oct

People: Drive engagement and develop talent through sustainable strategic initiativesPeople: Build strong Employer Brand and reputation

• Systematically involve university & even school students to build talent funnels
• Use Quests as a unique engagement tool to build a unique, innovative and caring brand

SME General

Micro, Embedded, Parametrics

Dec

Proposed Projects

Top notch Lumi leadership supported by industry leading experts

Government Connection

Design & Delivery

Design & Delivery

Prashant Raizada Founder and CEO Lumi Network

Prof Chris Shen Co-Founder & CIO Lumi Network

Lord Henry Bellingham Chairman Lumi Network

Lifelong association with Stanford University as an academic & professional World Leading Design-Thinking Expert 24 years experience of design-thinking led innovation in companies worldwide Global Leader in MedTech Innovation

Seasoned Chair of Global Businesses Deep exeperience and connections in government in UK, Saudi Arabia, etc.

Deep experience in driving digital transformation and capability building at McKinsey Built two corporate ventures to drive innovation in large corporate at scale Built 5 startups in 4 countries

Sustainability & Insurance

Innovation & Coaching

Education & Government

Pia Heidenmark Cook Advisor

Dr. Christiane Mueck Advisor

Dr. Reem Al Turki Advisor

Former Chief Sustainability Officer IKEA Board Member at BUPA

Advisor to Misk Foundation Education and Innovation Advisor Coaching expertise

Deep experience and connections of industry, academia and government in Saudi Arabia Deep passion for sustainability

Operating Model: Internal Innovation Quests

Goal: At least 50% of Tree staff go through the Quests in 2024

Quest Set-up

Quest Delivery

Topic: Product/feature, Operations, Customer Experience (Q1 = Motor, Q2 = Cyber, Q3 = SME, Q4 = Health) Participants: 10 Tree Staff + 10 University Students Number of Quests: 2 Quests per Quarter Design: Lumi Founders (Prashant and Prof Chris) will design the Quest Facilitation: 2-4 English-speaking facilitators (with high involvement from Lumi Founders - Prashant and Prof Chris) in Q1 and Q2. Experienced Lumi facilitators will take over from Q3. SMEs: Tree Staff (or external) Capstone Presentation: Panel of Lumi, Tree, (Tawuniya?) leadership

Mode of Delivery: Virtual (highly recommended) Duration: 8 weeks (2 X 75-minute sessions per week). An equivalent amount of time will be required for offline tasks Working Arrangement: Sessions will take place either early morning (preferable), early afternoon, or after work hours. Participants will join from their homes In some sessions, Prashant will join in-person, else virtually. Prof Chris will always join virutally when he is involved. SMEs will be asked to join in 3-4 sessions for 30-45 mins to share their expertise and/or provide feedback to team-think to help shape their inputs and deliverables Capstone Presentation at the end of Quest

Expected Outcome: At least 2 ideas that Tree can take to maturity/production

Operating Model: External Sustainability Quests

Green Riyadh Initiative

2024 Q1

2024 Q2 - Q3

Cyber Quest

2024 Q2 - Q3

2024 Q3 - Q4

Phase 1 Implementation (1 month)

Phase 2 Implementation (2.5 months)

Outcomes (0.5 months)

Plan and Design (2.5 months)

• Line up Sponsors
• Involve Gov't Institutions e.g. MOE, RCRC, Misk
• Identify SMEs
• Recruit Students, Facilitators
• Design Quest
• Set-up Lumi Platform

• 5K Students
• Asynchronous Quest
• No Facilitation req'd
• Individual Work - Investigate and Ideate Phases of Lumi Quest
• Tree and Lumi evaluate submissions
• Top 100 students selected

• 100 Students = 10 Lumi Quests

• Bilingual Facilitators
• Duration: 8 weeks (2 75-minutes sessions per week)
• Delivery mode: Virtual
• Lumi, Tree, (Tawuniya?), MOE Sponsors will judge Capstone

• Top 100 Students receive Certification and Passport
• Students with Top "Winning" Ideas may earn internship/job at Tree (to be decided by Tree)

• Newsletter to 5K students/parents on Quest progress and outcomes

The community will get an opportunity to acquire skills, tangible benefits and engage long term through the Quests

• Participate in a unique initiative of national/international importance
• Build skills and open new pathways for a brighter future e.g. Future Jobs
• Opportunity to develop innovative ideas with the prospect of earning recognition and funding if selected
• Over time, engage in similar national initiatives in many significant ways - participant, mentor, and investor

Built skills in AI, Entrepreneurship & Design-Thinking showcased in an accredited Future Skills Passport

Founded a tangible idea which can go further

Recognition & Certification from Lumi as well as Sacred Groves

How Lumi works

Lumi’s AI-enabled platform combines four things:

A Glimpse of the Lumi Quest

• Method: A Quest- an interactive design-thinking led curriculum-

• AI-assisted tools to enhance creativity and productivity

• People: Trained facilitators from top universities

• Platform: An engaging learning space that fosters collaboration

Pricing Proposal

*Tree will contribute a fraction of this pricing (seed money). The remainder will be covered through sponsorships from other corporates. Excludes travel related expenses.

APPENDIX

10

Illustrative Quest Timeline Proposal

Iterate

Prototype

Planning

Investigate

Ideate

Week 1 - 4

Week 1 - 2

Week 5 - 6

Week 7 - 8

Week 3 - 4

Duration

• Identify schools/universities for student recruitment
• Recruit students
• Design quest
• Plan facilitation, activities, and prepare platform
• Recruit external subject matter experts
• Identify Tree subject matter experts
• Sign contract
• Issue Purchase order

• Research the animal/pet problem and develop a fact based view

• Conduct interviews to gain deeper insights about pets

• Understand personas - people experiencing pet problems

• Generate precise challenge statements
• Take videos for marketing
• Engage Tree employees to build excitement

The quest divides into teams of Luminaries

• Brainstorm around the challenge statements
• Bring in external experts for subject matter expertise

• Validate idea through surveys & research

• Identify key components of one's solution

• Take videos for marketing and engage Tree employees

Teams bring their ideas to life with no-code technology

• Collaboratively develop the solution using no-code software

• Build your solution using wireframing

• Bring in SMEs for feedback
• Present the prototype app and gather feedback
• Take videos for marketing and engage Tree employees

• Conduct user testing

• Refine solution using initial user feedback

• Develop a more robust solution
• Take videos for marketing and engage Tree employees
• Write a thought paper making recommendations to stakeholders in the value chain

Key Activities

Signed ContractPurchase Order

Generate precise challenge statements

Develop the storyboard

Build prototype and design of solution

Final solution prototype, capstone presentation, thought paper, marketing materials

Outputs

Note: See Appendix - Slide "Past Client Detailed Quest Timeline" for a detailed set of activities, outputs, duration, and effort during the course of a quest

Past Client Detailed Quest Timeline - Phase 1

11

Phase 1: Investigate (high level outline, each live session = 90 mins; ~1 hour of additional work outside live sessions)

Session 6

Session 2

Session 5

Session 3

Session 4

Session 1

Objectives Getting to understand cyber threats, discussing how it impacts various stakeholders & what we should focus on

Objectives What problems are we able to solve & who are we solving these problems for, get to meet a cybersecurity expert

Objectives Create your challenge statements that capture what, who, where & why to help with brainstorming

Objectives Complete your presentation structure and storytelling journey

Objectives Who are the various people involved in your case studies, understanding and creating personas

Objectives Introduction, getting to know the Lumi way, the Quest, each other and begin discussions on the topic (cybersecurity)

Skills

• Cybersecurity
• Collaborative problem solving
• Critical thinking
• Taking initiative

Skills

• Critical thinking
• Conflict resolution
• Cybersecurity
• Collaborative problem solving

Skills

• Empathy
• Design thinking
• Storytelling
• Data interpretation

Skills

• Design thinking
• Storytelling
• Taking initiative
• Resilience

Skills

• Empathy
• Design thinking
• Data interpretation
• Design thinking

Skills

• Collaboration
• Active listening
• Building trust
• Cybersecurity

Pre-Quest & post session work

• Understand the so-what of the Quest
• Pre-reads to understand Lumi and the scope, nature & outcomes of the Quest
• Preliminary research on the a select aspects of cybersecurity

Post session work

• Identify cybersecurity problems around you

• Create a map of the problems identified with key stakeholders and risks

Post session work

• Understand case studies of what is happening in cyber: problems & solutions

• Create your own case study based on the examples provided

Post session work

• Refine challenge statements

• Start creating your end of phase output (question: can it be something better than a standard presentation?)

Post session work

• Practice your presentation

Post session work

• Refine your personas

• Review examples of challenge statements & why they are useful

Past Client Detailed Quest Timeline - Phase 2

12

Phase 2: Ideate (high level outline, each session = 90 mins); ~1 hour of additional work outside live sessions)

Session 3

Session 2

Session 1

Session 4

Objectives Revisit our challenge statements and start brainstorming your solutions using Lumi's M.A.D framework

Objectives Create and refine, with feedback from a cyber expert, your storyboard from beginning to end

Objectives Introduction to storyboards and wireframes, list the features you need & want for your solution

Objectives Create a set of criteria for the end solution, and rank your concepts on this criteria

Skills

• Resilience
• Agile project management
• Design thinking
• Futute orientation

Skills

• Resilience
• Active listening
• Confidence
• Leadership

Skills

• Storytelling
• Wireframing and prototyping
• Design thinking
• Entrepreneurship

Skills

• Agile project management
• Desing thinking
• Critical thinking
• Data interpretation

Post session work

• Create concepts from the ideas that have been brainstormed

• Use the M.A.D framework to identify how it can be helpful to you

Post session work

• Design your storyboard in preparation for the presentation

Post session work

• Create a storyboard for a solution that exists already (e.g., McAfee)

• Create your first 3 frames of your storyboard

Post session work

• Begin to formulate your story - how does a user come into contact with your solution

• Think about what you need to do to maximise your users success

Past Client Detailed Quest Timeline - Phase 3

13

Phase 3: Prototype (high level outline, each session = 90 mins); ~1 hour of additional work outside live sessions)

Session 3

Session 2

Session 1

Session 4

Objectives Familiarise yourself with our low-code software, revisit our storyboards and incorporate feedback

Objectives Recap on your success criteria, receive feedback on your initial screens against these criteria

Objectives Incorporate the feedback into your prototype

Objectives Formulate plans for user testing, and practice with other Luminaries

Skills

• Collaboration
• Agile Project management
• Critical thinking
• Confidence

Skills

• Resilience
• Collaborative problem solving
• Initiative
• Prototyping

Skills

• Storytelling
• Agile Project management
• Prototyping
• Leadership

Skills

• Prototyping
• Agile Project management
• Empathy
• Design thinking

Post session work

• Create the first 3 screens of your prototype

• Become familiar with what prototypes of other solutions looked like

Post session work

• Have a complete version 1 of your prototype

• Review offline content relating to effective user testing

Post session work

• Create a walkthrough video of your prototype so far

Post session work

• Conduct 2 user tests of your version 1 prototype

• Clearly formulate a plan of what to do with the feedback

Past Client Detailed Quest Timeline - Phase 4

14

Phase 4: Iterate (high level outline, each session = 90 mins); ~1 hour of additional work outside live sessions)

Session 3

Session 2

Session 1

Session 4

Objectives Utilise additional feedback you received to create a more refined prototype

Objectives Review your success criteria and adapt them to your updated prototype

Objectives Finalise the initial prototype, including design

Objectives Work on your prototype to achieve success

Skills

• Prototyping
• Empathy
• Design thinking
• Collaboration

Skills

• Prototyping
• Build trust
• Design thinking
• Critical thinking

Skills

• Storytelling
• Future orientation
• Entrepreneurship
• Leadership

Skills

• Prototyping
• Build trust
• Design thinking
• Leadership

Post session work

• Review other people's prototypes and prepare structured feedback

Post session work

• Analyse your prototype against your criteria identifying changes you need to make it

Post session work

• Structure your presentation walkthrough of the prototype to present to stakeholders

Post session work

• Think about the design of your prototype and identify key design changes to make

Past Client Detailed Quest Timeline - SME Schedule

15

Lumi collaborates with young people and corporates globally

• We run digital, scalable cohort-based Quests

• Supported by an AI-augmented online learning platform

• Participants produce novel tech-enabled innovations to global or business problems

• And develop Future of Work skills such as entrepreneurship, design and AI-readiness.

Lumi was conceptualised by a father & son duo in 2020

We run Quests that allow 10-25-year-olds to build future skills while solving real world problem such as climate change

The Quest: A structured design-thinking-led journey

Developed with Renowned Design-Thinking & Innovation Professor at Stanford University

Prof. Christopher Shen, Co-Founder of Lumi

15

Live, facilitated sessions with inputs from subject matter experts

Up to 10 participants/Quest

The Quests allow a company to tackle ten UN-SDGs simultaneously

Select Lumi Quest Topics

UN-SDGs addressed through the Quests

Let's reverse Climate Change

Shaping Sustainable Cities

Building a Fair World Equal for All

E-Waste: Junk to Jungles Quest(Coming soon)

We also co-develop bespoke Quests with select partners on topics of mutual interest

Product Platform

Community Led Engagement Platform

Lumi’s AI-enabled platform combines four things:

• Method: A Quest- an interactive design-thinking led curriculum-

• AI-assisted tools to enhance creativity and productivity

• People: Trained facilitators from top universities

• Platform: An engaging learning space that fosters collaboration

Best of Breed Tools

Our Quests have led to over 80 innovations from young people tackling various global issues locally, across 14 countries.

Click Screens For Demo

Measure & improve your green impact while competing with friends!

An interative curriculum building awareness on forms of equality!

Pre-ordered school meals to reduce food waste!

Incentivising users to buy less food to reduce waste!

Two 12 year olds

Three 15 year olds

Three 17 year olds

Five 11-15 year olds

Three 14-16 year olds

Five 12-14 year olds

Two 13 year olds

Five 11-14 year olds

Offering grocers soon to expire food at discount - contributing a % to a good cause!

Win point & buy gifts for your virtual pet by taking shorter showers!

Connecting care homes with schools globally for learning, in a safe way!

Allowing locals to deliver food to the elderly & disabled!

Each participant obtains a Future Skills Passport: A proprietary credential that tracks and showcases Quest outcomes & key skills

Key Skills Developed by Lumi

Click for Demo

ii

Accreditations & Recognition

Showcased Lumi at the COP27 by The Commonwealth

Shorlisted Lumi within its Early stage investor conf. 2022

Identified Lumi as an emerging provider in the Ed-Tech, 2023

Lumi has joined hands with Sacred Groves as our Climate Action Partner

Sacred Groves is a platform that enables environmentally sensitive individuals and companies to take meaningful actions in protecting our planet's biodiverse habitats

Protected Habitats

We secure biodiverse habitats and forests all over the world

We virtually divide them into Sacred Groves Clusters (SGCs)

Each Sacred Groves Cluster can be protected for a fee by our Guardians

Each Sacred Groves Cluster is assigned a unique ID

How we can help drive impact, innovation, and visibility to Tree's products and services.

How?

Run digital Quests on topics related to pet insurance, motor insurance and cybersecurity issues.

Develop tangible innovations with young talent, starting with a pilot to support the launch of the new to market pet insurnace product.

Deliver tech-focused innovations and ideas, build social medial marketing materials, build community and enhance employee engagement.

Who we can skill up and provide quests to:

Together, we can deliver measurable & tangible outcomes across four critical pillars that will support enduring success in these times

Key Metrics

# Innovations chosen for further acceleration # Animals saved/cared # SG Guardians created

# Young people impacted # Employees involved as volunteers, SMEs # Community size and SAT

People

Planet

# ESG impact on investors # Reputational impact # Talent impact # Policies for new-to-market and existing products

# Innovations developed # High Employee SAT # Recommendations to Stakeholders in Value Chain

Purpose

Profit

We also deliver multiple and tangible benefits to each young person ("Luminary") who participates in a Quest

An accredited Future Skills Passport showcasing their proficiency in AI, Entrepreneurship and Design and can serve asa lifelong learning companion

A tangible innovation they have founded and which can go further

Recognition & Certification from Lumi as well as Sacred Groves

Case Study: Bupa

Lumi was selected by Bupa as a high potential start-up and was shortlisted for their Eco-Disruptive Inititive.

Present

Future

Past

Past

Pia Heidenmark Cook - A board member of Bupa was invited onto Lumi's podcast 'In Youth We Trust' as its first guest.

Become part of the healthy cities initiative, with Bupa sponsoring a City Quest for young people, delivering participants a skill passport.

Bupa sponsored 10 students to showcase innovations at Cheltenham Literary Festival

Examples of how leading institutions have collaborated with Lumi (select examples)

Coming Soon

A Big Four Accountancy Firm

Knight Dragon

A Global Technology Co.

Innovation and Impact-led collaboration with Nationwide to run Quests for underserved school students in NW England on the topic of Green Homes

Impact-led collaboration with Knight Dragon to run sustainability focused Quests for school students in the Greenwich Peninsula

Talent upskilling collaboration with a Big Four to run a quest for apprentices to develop Cybersecurity innovations

Impact & Outreach-led collaboration to run Quests with young people from the UK, India and Singapore and with deep involvement from employees

A Leading Tech. & Financial Info. Company

Impact focused collaboration with a UK Bank to run Future Cities & Inequality focused Quests for school students in the UK

Showcased by The Commonwealth at COP27 as a high impact venture to empower young people on the topic of Climate change

Talent-led collaboration to upskill apprentices and graduates with cutting edge future skills while solving sustainability challenges

How We Can Collaborate

3 ASSESS

1 CHOOSE

2 PILOT

4 SCALE

Assess pilot for impact and scalability with an exclusive conversation with Prashant & Vikram.

Start with a Quest on Pets to support the launch of new-to-market pet insurance product.

Pilot Pet Quest initially with 50 students from schools and universities. Design - 4 weeks.Delivery - 8 weeks.

Offer a 5 year partnership to drive innovation, impact, and visibility by scaling Pet Quests, and doing Quests for areas like Motor and later Cybersecurity.

Insurance companies today are confronted by unprecedented change, driven by a wide range of factors.

Select Factors Impacting Auto Insurance Companies

Extreme weather incidents resulting in model adaptation

Promotion of eco-friendly vehicles which have different risk profiles

Rewarding sustainable driving behaviors using telematics.

High re-insurance pricing result in higher insurance premiums

Insurance companies are assesssing long-term changes that are needed to serve customers in a fast-changing and uncertain world.

"Insurance companies have a once-in-a-generation opportunity to catalyze an orderly transition to net zero emissions through product and solution innovation." - McKinsey

Product innovation

AI and Digitisation Agenda

Climate change model adaptation and premium recalibration

Reimagining Customer Value

Promote safer and more sustainable driving practices

Enhance customer experience from policy issuance to claims processing

Sustainability and ESG

ii

Institutions Lumi has worked with globally

The Foundation School Bangalore, India

India

A Big Four Accounting Firm

St Ignatius School Enfield, UK

Four international schools, South Korea

Dubai

Customer Feedback & Reviews

Today it's become really difficult to differentiate between the thousands of graduates who apply to us. They have great degrees but they're missing real-world skills. Lumi is the way to help us pick them out.

There is a gap in the market to develop digital skills in young people from an early age. The Passport can be a new age credential for many young people from anywhere.

- Education & Skills Leader, top professional services firm

- Senior Partner, Big Four Accounting Firm

I really enjoyed observing how ideas in both apprentice teams evolved session after session. A project like this shows that co-operation centered around design thinking is simply very productive.

It is immensely encouraging that young people can come up with such well thought out solutions to complex global problems when given an opportunity through Lumi.

- Cyber expert, Big Four Accounting Firm

- Headmaster, Leading British School

Lumi is shifting the needle from assessment to skills and promoting peer-based learning. It's strength lies in augmenting rather trying to upend education

We’re proud to be the first corporate partner to work with Lumi– an organisation giving opportunity for youth to be front and centre in tackling the most important global issues.

- Kosmo Kalliarekos, Global EdTech Leader & Lumi investor

- Mark Brayton, Interim CMO Nationwide

About Sacred Groves

• Financial Model - 60% funds deployed for conservation, 40% operational expenditure.

• Community Interest Company (CIC) No. 12481036 — incorporated by the Registrar of Companies for England & Wales, UK.

• Share Capital to be enhanced from £650,000 to £1M by March, 2024.

• Governed by English Law.

• Features of a CIC - specifically designed to create a sustainable social enterprise:

• Asset Lock to protect the interests of the Guardians and communities.

• Periodic Community Interest Test by the Regulator.

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