For clarity, I want to underscore the quality and integrity of working with NY-DFS Bank Applications. Perhaps our approach seems hawkish <https://thecapital.io/article/game-theory--bitlicense-alpha-culture-MQ4NV2Cd6qx-mLKlGVn>, 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 <http://www.xNY.io> | Bank.org <http://Bank.org>* MSc <https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&utm_medium=Search&utm_campaign=MSc-Digital-Currency-North-America&utm_term=blockchain%20unic&gclid=Cj0KCQiAyJOBBhDCARIsAJG2h5ctwwMz0MRbVSk-LaYD-GMU5UgDSw7ynxbGr_a7SkaFAZzJc1-pzxEaAi4NEALw_wcB> - Digital Currency MBA <https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovation-mba-1-5-years-or-3-semesters/> - Entrepreneurship and Innovation (ip) G@xNY.io +1-646-454-9107 New York, New York 10001