Disclaimer for the GARD Protocol.

GARD Protocol is a decentralized peer-to-peer protocol that allows users to lend, borrow, and trade Algorand and Algorand Standard Assets. There is only one version of the GARD Protocol and it is a free, public, open-source or source-available software. The GARD Protocol consists of a set of smart contracts that are deployed on the Algorand Blockchain. Using the GARD Protocol involves various risks, including, but not limited to, losses from smart contract failure or under-collateralization of the protocol. Before using the GARD Protocol, please review all documentation and achieve firm understanding of how the protocol operates. AS DESCRIBED IN THE GARD PROTOCOL LICENSES, THE GARD PROTOCOL IS PROVIDED "AS IS", AT YOUR OWN RISK, AND WITHOUT WARRANTIES OF ANY KIND.

You acknowledge, understand and agree that you are not eligible to participate in the distribution of GAIN or GARD, or utilize GARD Protocol if you are a citizen, national, resident (tax or otherwise), domiciliary and/or green card holder of a geographic area or country (i) where it is likely that GAIN or GARD, or GARD Protocol would be construed as the sale of a security (howsoever named), financial service or investment product or where participation in token distributions is prohibited by applicable law, decree, regulation, treaty, or administrative act (including without limitation the United States of America, Canada, and the People's Republic of China), and (ii) that is subject to U.S. or other applicable sanctions or embargoes (including without limitation Cuba, North Korea, Timor-Leste, Cambodia, Republic of the Union of Myanmar, Lao People's Democratic Republic, Tanzania, Pakistan, Russia, Serbia, Tunisia, Uganda, Mali, Afghanistan, Albania, Angola, Botswana, Cameroon, Chad, Central African Republic, Eritrea, Ghana, Republic of Côte d'Ivoire, the Republic of Guinea, Guinea-Bissau, Somalia, Zimbabwe, Democratic Republic of the Congo, Republic of the Congo, Côte d’Ivoire, Ethiopia, Malawi, Montenegro, Mozambique, Madagascar, Crimea, Kyrgyzstan, Haiti, Azerbaijan, Bosnia and Herzegovina, Uzbekistan, Turkmenistan, Burundi, South Sudan, Sudan (north), Sudan (Darfur), Nicaragua, Vanuatu, the Republic of North Macedonia, the Lebanese Republic, Bahamas, Kosovo, Turkey, Iran, Iraq, Liberia, Libya, Syrian Arab Republic, Tajikistan, Uzbekistan, Yemen, Sri Lanka, Ukraine, Belarus, Bolivia, Trinidad and Tobago, and Venezuela).

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