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CMBT Labs Inc. is the development company ("DevCo") for the Credit Coop Protocol. CMBT Labs provides a software interface and tooling layer that enables interaction with independent smart contracts and protocol components. CMBT Labs does not operate the Credit Coop Protocol, make lending or credit decisions, or act as a lender, broker, investment adviser, or financial intermediary. The Credit Coop Protocol is stewarded and operated by Lockbox Foundation, a Cayman Islands foundation company, which is not a party to the Terms.

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