Dear Mr. Tim Cook:

Bank.org invites Apple to radically innovate Apple Card.

Goldman Sachs has a history of poor ethical stewardship, at the global
level. Similarly, New York's former Governor Andrew Cuomo and NY-DFS
Superintendent Linda Lacewell is now world famous for women's rights (you
know the story).

On March 23, 2021, Lacewell published NY-DFS' Findings on Apple Card and
its. Underwriter Goldman Sachs Bank. Mr. Cook, former Superintendent of
NY-DFS, Ms. Linda Lacewell's stone faced propaganda assured that Apple Card
did not discriminate against women, while under Goldman Sachs management.

Ms. Lacewell said
<https://www.dfs.ny.gov/reports_and_publications/press_releases/pr202103231>
,  “The report also notes that the use of credit scoring in its current
form and laws and regulations barring discrimination in lending are in need
of strengthening and modernization to improve access to credit. Consumer
frustration with the Apple Card policy of not permitting an account holder
to add an authorized user drew attention to the following:  a person who
relies on a spouse's access to credit, and only accesses those accounts as
an authorized user, may incorrectly believe they have the same credit
profile as the spouse.  This is one part of a broader discussion we must
have about equal credit access.”

xNY.io recently collated 61 highlights to the Report on Apple Card
Investigation from March 2021:
https://drive.google.com/file/d/1xH16OKyuXzB-MVqIznMWDE9w8RRdmZCw/view?usp=sharing
.

Mr. Cook, the Apple Card investigation was to assess women's access to
equitable finance. March 2021 also saw New York State Attorney General
Letitia James' formal green light to launch an independent investigation
into sexual harassment allegations
<https://nypost.com/2021/02/27/second-woman-accuses-gov-andrew-cuomo-of-sexual-harassment-report/>
lodged
against Gov. Andrew Cuomo.

Lacewell's legacy is authoring reports disparaging women. As such, the
integrity of the Apple Card investigation must be rationally considered as
flawed. Likewise, Goldman Sach has a history of  unethical posturing on
matters specific to women and girls (via global  regulatory arbitrage
structures).

Mr. Cook, Peter Oppenheimer is Apple's former CFO and in 2014 joined
Goldman Sachs' board of directors and serves on key committees such as Audit
(Chair), Governance, Risk. There is no logical reason for Apple to trust
the Apple Card report and your former CFO is well aware of the legacy of
Goldman's unethical antics and regulatory arbitrage frameworks that take
advantage of the world's most vulnerable populations.

Mr. Cook, at the very least, it is now clear the former superintendent is
famous for publishing reports that disperage women. Salacious as this may
sound, all this is true and we cannot ignore the facts of the matter. What
would Steve Jobs say?

Apple Card can innovate the market globally. Mr. Cook, Apple Card should
consider moving to Bank.org to make history. This is a smart pivot for
you.

We invite Apple to join Bank.org as we build the World's Best Bank.

Sending you the very best regards.

Thank you,

Gunnar Larson Dear Mr. Tim Cook:

Bank.org invites Apple to radically innovate Apple Card.

Goldman Sachs has a history of poor ethical stewardship, at the global
level. Similarly, New York's former Governor Andrew Cuomo and NY-DFS
Superintendent Linda Lacewell are now world famous for women's rights (you
know the story).

On March 23, 2021, Lacewell published NY-DFS' Findings on Apple Card and
its. Underwriter Goldman Sachs Bank. Mr. Cook, former Superintendent of
NY-DFS, Ms. Linda Lacewell's stone faced propaganda assured that Apple Card
did not discriminate against women, while under Goldman Sachs management.

Ms. Lacewell said
<https://www.dfs.ny.gov/reports_and_publications/press_releases/pr202103231>
,  “The report also notes that the use of credit scoring in its current
form and laws and regulations barring discrimination in lending are in need
of strengthening and modernization to improve access to credit. Consumer
frustration with the Apple Card policy of not permitting an account holder
to add an authorized user drew attention to the following:  a person who
relies on a spouse's access to credit, and only accesses those accounts as
an authorized user, may incorrectly believe they have the same credit
profile as the spouse.  This is one part of a broader discussion we must
have about equal credit access.”

xNY.io recently collated 61 highlights to the Report on Apple Card
Investigation from March 2021:
https://drive.google.com/file/d/1xH16OKyuXzB-MVqIznMWDE9w8RRdmZCw/view?usp=sharing
.

Mr. Cook, the Apple Card investigation was to assess women's access to
equitable finance. March 2021 also saw New York State Attorney General
Letitia James' formal green light to launch an independent investigation
into sexual harassment allegations
<https://nypost.com/2021/02/27/second-woman-accuses-gov-andrew-cuomo-of-sexual-harassment-report/>
lodged
against Gov. Andrew Cuomo.

Lacewell's legacy is authoring reports disparaging women. As such, the
integrity of the Apple Card investigation must be rationally considered as
flawed. Likewise, Goldman Sach has a history of  unethical posturing on
matters specific to women and girls (via global  regulatory arbitrage
structures).

Mr. Cook, Peter Oppenheimer is Apple's former CFO and in 2014 joined
Goldman Sachs' board of directors and serves on key committees such as Audit
(Chair), Governance, Risk. There is no logical reason for Apple to trust
the Apple Card report and your former CFO is well aware of the legacy of
Goldman's unethical antics and regulatory arbitrage frameworks that take
advantage of the world's most vulnerable populations.

Mr. Cook, at the very least, it is now clear the former superintendent is
famous for publishing reports that disperage women. Salacious as this may
sound, all this is true and we cannot ignore the facts of the matter. What
would Steve Jobs say?

Apple Card can innovate the market globally. Mr. Cook, Apple Card should
consider moving to Bank.org to make history. This is a smart pivot for
you.

We invite Apple to join Bank.org as we build the World's Best Bank.

Sending you the very best regards.

Thank you,

Gunnar Larson
--
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