For clarity, I want to underscore the quality and integrity of working with NY-DFS Bank Applications.

Perhaps our approach seems hawkish, 2021 in New York now brings us to cooperation versus competition and rationality versus altruism. As with many situations in real-life, the games are often not zero-sum, but by cooperative efforts all players can be better off.

Bank Applications has been top notch world class. It has been refreshing.

Gunnar

---------- Forwarded message ---------
From: Gunnar Larson <g@xny.io>
Date: Wed, Dec 29, 2021 at 8:00 AM
Subject: 2022: xNY.io - Bank.org
To: Weintraub, Cathy (DFS) <Cathy.Weintraub@dfs.ny.gov>
Cc: Goberdhan, Harry (DFS) <Harry.Goberdhan@dfs.ny.gov>, Alexi Anania <a@xny.io>, Choy, Man-Ying (DFS) <Man-Ying.Choy@dfs.ny.gov>, Weber, Richard (DFS) <Richard.weber@dfs.ny.gov>

Dear Ms. Weintraub:

From everyone at xNY.io - Bank.org, we would like to thank you (very much) for a great 2021.

Yes, while things are still getting off the ground, NY-DFS Bank Applications has provided such good direction and an amazing platform for the initiative.

Please know, we respect you greatly. Here is to wishing you and the team a fantastic 2022.

Sending you the very best regards.

Thank you,

Gunnar
--

Gunnar Larson - xNY.io | Bank.org

MSc - Digital Currency

MBA - Entrepreneurship and Innovation (ip)

G@xNY.io

+1-646-454-9107

New York, New York 10001