(a)As of the time of writing, this white paper has been distributed only for general reference purposes related to the mPANDO project and can be reviewed and modified. Please note that this white paper reflects the latest information as of the date on the cover and is not final. After that date, information in this document, such as mPANDO's business operations and financial status, may change. This white paper may be updated irregularly.

(b)No one is obligated to enter into a contract or legally binding pledge related to the sale of mPANDO token, and no funds should be received based on this white paper. The sale of mPANDO token is carried out through a legally binding contract, and related details are provided separately from this white paper. If there is any discrepancy between the contract and the contents of this white paper, the contract will take precedence.

(c)This white paper should in no case be construed as an offer to sell or purchase tokens by the issuer/distributor/company of the mPANDO token, and the presentation of this document or the document itself should not be based on or dependent on contract and investment decisions.

(d)mPANDO token is not intended to constitute a security, a unit of business trusts, or a unit of collective investment plans, and each definition about those shall follow as set forth in the Singapore Securities and Futures Act or other definitions manifested in equivalent regulations of other jurisdictions. Therefore, this white paper is not provided as a business plan, business prospectus, or proposal, and shall not be construed as an investment proposal or solicitation for securities, business trust units, collective investment plan units, etc. in any jurisdiction.

(e)mPANDO token shall not be understood, interpreted, classified or treated as an opportunity for purchasers to participate in the mPANDO platform, mPANDO token, product or to receive investment profit/income/payment/revenue of the amount

(f)The method of issuing coin/token specified in this white paper may not be spread in any regulated or prohibited jurisdiction, including the reproduction, distribution, etc. of all or any part of this document.

(g)Information listed in this White Paper has not been reviewed, examined, or approved by regulation authorities. Such action has not been taken in any jurisdiction and shall not be taken in the future.

(h)If wishing to acquire mPANDO token, mPANDO token shall not be understood, interpreted, classified or treated as follows: (a) any currency other than cryptocurrency, (b) bonds and stocks issued by any institution; (c) rights, options, derivatives about these bonds and stocks, (d) the right under other contracts and the difference agreement for the purpose of guaranteeing investment profits or avoiding loss, or impersonating it, (e) units or derivatives of securities, such as collective investment plans, business trusts, etc.

(a)Distribution or propagation of this white paper in whole or in part may be prohibited or restricted by the legal or regulatory requirements of any jurisdiction. When restrictions apply, you shall be aware of the restrictions that may be applied by possession of this white paper, seek legal advice, and comply with them, and mPANDO and mPANDO 's employees, agents, and affiliates (hereinafter referred to as 'mPANDO and its affiliates') are not responsible for this.

(b)If the distribution and propagation of this white paper has led to the perusal or possession of this white paper, it shall not be allowed or caused to be shared with or caused by such person for any purpose, such as distribution, reproduction, or other ways.

(a)mPANDO token and related services provided by mPANDO and its affiliates are provided 'as is' and 'as possible'. mPANDO and its affiliates do not make any explicit/implied guarantees or descriptions of the accessibility, quality, suitability, accuracy, adequacy, completeness, etc. and in this regard, it is manifested that no liability is assumed for any errors, delays, omissions, or actions taken in dependence on them.

(b)mPANDO and its affiliates shall not describe, guarantee, promise, or assert any form of authenticity, accuracy, or completeness, including the information contained in this white paper, to any entity or individual.

(c)mPANDO does not guarantee principal, and losses may occur when investing. The associate shall not be liable for any indirect, special, incidental, or consequential losses (including, but not limited to, losses in investment/revenue/ profit/income/payment/data, etc.) arising from your acceptance or reliance on all or part of this white paper and this applies to the maximum extents permitted by applicable legal regulations.

(a)The specific expressions in this white paper contain predictive statements about the future, future events, prospects, etc. of the project. These statements are not based on historical facts, but are identified by expressions similar to words such as 'scheduled', 'estimate', 'belief', 'expectation', and 'expected'. Other public releases other than this white paper, such as presentations, interviews, and videos, may include these forward-looking statements. The forward-looking statements contained in this white paper include, but are not limited to, the future results, performance and achievements of mPANDO and its affiliates.

(b)Forward-looking statements contain a variety of risks and uncertainties. These statements do not guarantee future performance and therefore shall not be overly dependent. If risks and uncertainties are materialized, the actual performance and development of mPANDO and its associates may differ from the expectations set by the forward-looking statement. In the future, even if these circumstances may be changed, mPANDO and its affiliates shall not be obliged to provide updates to forward-looking statements. If acting on the basis of forward-looking statements contained in this white paper, homepages of mPANDO and its affiliates and other materials, you are solely responsible for the failure to realize the forward-looking statements.

(c)As of the date this white paper was written, the mPANDO platform is not complete or fully operational. Although the description was written on the premise that the mPANDO platform would be completed and fully operational in the future, it shall not be construed as a guarantee or promise of the full operation and the completion of the platform setup.

(a)It is recommended that you read the below information carefully and fully analyze and understand the relevant factors and risks before deciding to purchase the token and participate in. Risks include, but are not limited to:

(i)Risk of negligence of purchasers such as limited access to mPANDO token due to loss of identification information; loss of essential private keys related to digital wallets in which mPANDO tokens are kept; and so on;

(ii)Risk of value fluctuations after mPANDO token issuance due to global market and economic conditions. mPANDO may not be able to support the funding required for the development of the mPANDO ecosystem or maintain the mPANDO ecosystem in the intended direction due to the uncertainty in the value of these mPANDO tokens.

(iii)Changes in the political, social and economic environment, changes in the stock or cryptocurrency market environment, changes in the regulatory environment of the countries in which mPANDO and its affiliates operate, and risks related to changes in the ability of mPANDO and its affiliates to survive or compete in this environment. Existing/new regulations related to blockchain technology that are unfavorable to mPANDO tokens may be applied in certain jurisdictions, which may lead to significant changes in mPANDO ecosystems and projects, such as token abolition/loss.

(iv)The risks associated with changes in terms of the possibility of capital and financing that fulfill changes of the future capital needs of mPANDO and its affiliates. Lack of capital may affect the development of the mPANDO platform, the use of mPANDO tokens, and the potential value.

(v)Adverse changes in mPANDO token value, failure of business relationships, and claims of intellectual property rights by competitors during development/operation may lead to suspension, dissolution or discontinuation of launch plans, and this may negatively affect mPANDO ecosystems, mPANDO tokens, and the potential utilization of mPANDO tokens.

(vi)Risks associated with limited public interest about lack of interest of other organizations such as companies, individuals, etc. for mPANDO platforms and services, creation and development of distributed applications. This lack of interest may limit financing or affect mPANDO platform development and mPANDO token use and potential value.

(vii)Risks of major changes in mPANDO token or mPANDO platform functionality and specifications before launching or implementing mPANDO project and mPANDO ecosystem. mPANDO intends that mPANDO tokens and mPANDO functions shall be consistent with the content of the white paper, but mPANDO may nevertheless apply these changes.

(viii)Competition risks with other platforms that shall potentially adversely affect mPANDO tokens and mPANDO platforms (i.e. when competing projects are preventing commercial success or dim prospects).

(ix)Risk that third parties or other individuals intentionally or unintentionally insert harmful and malicious codes on the mPANDO platform to interfere with the use of mPANDO platform infrastructure and mPANDO tokens. Block chains used in the platform are also vulnerable to these attacks, which pose risks to the platform and its associated service operations.

(x)The occurrence of catastrophic events such as natural disasters of force majeure may affect the business operation of mPANDO and its affiliates and other uncontrollable factors. Incidents such as mining attacks, hacking, or other attacks by individuals may result in theft and loss of mPANDO token’s sales profits, theft and loss of mPANDO tokens, and the impediment of mPANDO ecosystem development capabilities.

(xi)mPANDO tokens and other cryptocurrencies are new technologies that have not yet been verified and are constantly developing. The full function of mPANDO token has not yet been completed and there is no guarantee of completion. As technology advances, enhancement in encryption technology and methods, consensus and changes in algorithms may pose risks to mPANDO token, the sale of mPANDO tokens, mPANDO projects, mPANDO ecosystems and the utilization of mPANDO tokens.

(xii)mPANDO tokens shall not give other entities any decision-making authority in relation to mPANDO projects, mPANDO ecosystems, mPANDO, etc. All decisions, including discontinuation of mPANDO products, services, mPANDO, mPANDO ecosystem etc., further creation and sale of mPANDO tokens utilized in mPANDO ecosystem, sales of mPANDO and liquidation, are made at the free discretion of mPANDO.

(xiii)The methods mPANDO tokens are taxed and accounted for are uncertain and may vary by jurisdiction. The purchase of mPANDO tokens may negatively affect tax processing, and it is recommend seeking independent tax advice. In addition to the risks noted above, there are other risks that mPANDO and its affiliates do not anticipate. Further, the risks of unexpected combinations and variations may also arise.

(b)If the above risks and uncertainties are developed into actual situations, the business, financial status, operating results, and prospects of mPANDO and its affiliates may be subject to substantial and negative effects. In these cases you may lose some or all of the value of mPANDO token.

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(2)you will maintain the accuracy of such information and promptly update such registration information as necessary;

(3)you have the legal capacity and you agree to comply with these Terms and Conditions;

(4)you are not under the age of 13;

(5)not a minor in the jurisdiction in which you reside, or if a minor, you have received parental permission to use the Site;

(6)you will not access the Site through automated or non-human means, whether through a bot, script, or otherwise;

(7)you will not use the Site for any illegal or unauthorized purpose;

(8)your use of the Site will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof).

mPANDO Technologies grants you a revocable, non-exclusive, non-transferable, limited license to download, install and use the Application solely for your personal, non-commercial purposes strictly in accordance with the terms of this Agreement.

The Application may display, include or make available third-party content (including data, information, applications and other products services) or provide links to third-party websites or services ("Third-Party Services").

You acknowledge and agree that mPANDO Technologies shall not be responsible for any Third- Party Services, including their accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality or any other aspect thereof. mPANDO Technologies does not assume and shall not have any liability or responsibility to you or any other person or entity for any Third-Party Services.

Third-Party Services and links thereto are provided solely as a convenience to you and you access and use them entirely at your own risk and subject to such third parties' terms and conditions.

This Agreement shall remain in effect until terminated by you or mPANDO Technologies

mPANDO Technologies may, in its sole discretion, at any time and for any or no reason, suspend or terminate this Agreement with or without prior notice.

This Agreement will terminate immediately, without prior notice from mPANDO Technologies in the event that you fail to comply with any provision of this Agreement. You may also terminate this Agreement by discontinuing to use the mPANDObrowser.com website and any of its content and mPANDO web browser application and all copies of it for various devices thereof from your mobile device or from your computer.

Upon termination of this Agreement, you shall cease all use of the Application and delete all copies of the Application from your mobile device and/ or from your computer.

Termination of this Agreement will not limit any of mPANDO Technologies rights or remedies at law or in equity in case of breach by you (during the term of this Agreement) of any of your obligations under the present Agreement.

mPANDO Technologies reserves the right, at its sole discretion, to modify or replace this Agreement at any time. If a revision is material we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Website and Application after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to access our website and use our licensed Application.