An exploration of how to bring about transparency and fairness in commercial credit by putting business owners in charge of their data. Commercial credit evaluations cover trade credit ($2T) as well as small business loans, alternative lending and procurement ($2T).

1. Data-Sharing Trust and Identity PlatformData-Sharing Trust and Identity Platform
Many small businesses participating in $4T economyMany small businesses participating in $4T economy
Contact: LaVonne ReimerContact: LaVonne Reimer lreimer@lumeno.uslreimer@lumeno.us

2. $150B data broker industry thwarts small business growth$150B data broker industry thwarts small business growth
Company Confidential
Black box
Lost opportunity
Errors and DelaysErrors and Delays
in flow andin flow and TermsTerms
InformationInformation
AsymmetryAsymmetry
Small and
emerging
businesses
Lenders and
financial
stakeholders

3. Company Confidential
Time to level playing field, put business owners in chargeTime to level playing field, put business owners in charge
Harness & share data
with stakeholders,
no intermediary
Professional
credentials
Industry
certifications
Financial data &
forecasts
Public filings &
legal records
Data broker
information
Credit bureau
scores & files
Small and
emerging
businesses
Lenders and
financial
stakeholders

4. SMBs in charge of data drive greater trust and fuel growth
Company Confidential
Continuously
improve profiles,
selectively share.
Balanced benefits and
participation drive more
innovative uses of proof.
Relationships and trust grow,
inspiring more data and interactions.
Businesses add
data to prove
credit and trust
1
Invited creditors
interact and
contribute data
2
Businesses gain
clout; Creditors
gain visibility
3
Collaborative
credit and trust
unlocks $4T
4
Free market principles operate to the
benefit of SMBs and their stakeholders.
Harness & share data
with stakeholders,
no intermediary

5. Powered by first system to manage user-aggregated big data
Patent-pending technology with 18 month dev lead proven in pilots--Patent-pending technology with 18 month dev lead proven in pilots--
•• Unprecedented sharing flexibilityUnprecedented sharing flexibility
•• Data veracity without black boxData veracity without black box
•• Adapts as credit practices evolveAdapts as credit practices evolve
Company Confidential
Participatory
datacollection Filterable dataFilterable data
intelligenceintelligence
Users interactUsers interact
& contribute& contribute
Algorithms to
standardize &
verify data

6. Participatory
datacollection
Filterable dataFilterable data
intelligenceintelligence
Users interactUsers interact
& contribute& contribute
Algorithms to
standardize &
verify data
Set apart by use of data science to replace black box models
Company Confidential
Automateddata
collection
ProprietaryProprietary
data storedata store
Passive dataPassive data
consumptionconsumption
Analytics to
extract credit
predictions
Lumenous--Learning algorithmsLumenous--Learning algorithms Black Box--Machine algorithms
Complex data science
Complex data science

7. Company Confidential
Data model, framework forged with unique user communityData model, framework forged with unique user community
Harness & share data
with stakeholders,
no intermediary
Tech networks
with 30K small
businesses
750+ banks;
$100B in loans;
150K SMBs

8. •• Kick-start via community,Kick-start via community,
Broaden via data partnersBroaden via data partners
•• Propagate viaPropagate via built-inbuilt-in
social mechanismssocial mechanisms
•• Proven across technology &Proven across technology &
business credit ecosystemsbusiness credit ecosystems
Company Confidential
100 new
business
users
2 bank or
procurement
managers
10K business
users, aggregate
data generating
$12M/year
200 new
financial
stakeholders
User #1
User acquisition strategies tap natural data-sharing behaviors
Validated viral loops drive
from user #1 to $12M
Lumenous
community
Use
data partners
for horizontal
growth
2 creditors per business user;
50 businesses per credit user

9. Technology Contributors: Leaders in open data and collaborative platformsTechnology Contributors: Leaders in open data and collaborative platforms
• Sebastian Hassinger: IBM open standards
• Bill Burcham: Contributor to UBL, Oasis
• Stephen Walli: Open technologies
• Ward Cunningham: Inventor of Wiki
• Daniel Harris: Architect at Bloomberg
• Doug Reed: Data aggregation, Intuit
Go-to-Market Contributors: Leaders driving trust systems andGo-to-Market Contributors: Leaders driving trust systems and $100B+ in loans$100B+ in loans
• Don Thibeau, Data privacy and identity: Open Identity Exchange, TransUnion, Lexis/Nexis
• Chris Nichols, Community banking: C-level exec at correspondent banks serving 1,600 banks
• Jodi Delahunt Hubbell, Small business lending: CEO in Zions family of 450 banks
Daniel Shupp, CTODaniel Shupp, CTO
• 20 years in cloud architecture and
agile development at IBM China,
Websphere, Freerange Technology
• Computer science, Johns Hopkins;
Grad studies in Quantitative Finance
LaVonne Reimer, CEOLaVonne Reimer, CEO
• 15 years in open web at Cenquest
and small business incubator with
IBM, Intel, open source communities
• Business ethics/law at Townsend &
Townsend, Tektronix, Amicus Group
Company Confidential
Team brings deep data privacy and standards experience

10. Bringing data innovations to
SMB capital and commerce
Contact: LaVonne Reimer
lreimer@lumeno.us
503-720-0690
Company Confidential