For clarity, I want to underscore the quality and integrity of working
   with NY-DFS Bank Applications.
   Perhaps our approach seems [1]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 <[2]g@xny.io>
   Date: Wed, Dec 29, 2021 at 8:00 AM
   Subject: 2022: xNY.io - Bank.org
   To: Weintraub, Cathy (DFS) <[3]Cathy.Weintraub@dfs.ny.gov>
   Cc: Goberdhan, Harry (DFS) <[4]Harry.Goberdhan@dfs.ny.gov>, Alexi
   Anania <[5]a@xny.io>, Choy, Man-Ying (DFS)
   <[6]Man-Ying.Choy@dfs.ny.gov>, Weber, Richard (DFS)
   <[7]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 - [8]xNY.io | [9]Bank.org
   [10]MSc - Digital Currency
   [11]MBA - Entrepreneurship and Innovation (ip)
   G@xNY.io
   +1-646-454-9107
   New York, New York 10001

References

   1. https://thecapital.io/article/game-theory--bitlicense-alpha-culture-MQ4NV2Cd6qx-mLKlGVn
   2. mailto:g@xny.io
   3. mailto:Cathy.Weintraub@dfs.ny.gov
   4. mailto:Harry.Goberdhan@dfs.ny.gov
   5. mailto:a@xny.io
   6. mailto:Man-Ying.Choy@dfs.ny.gov
   7. mailto:Richard.weber@dfs.ny.gov
   8. http://www.xNY.io/
   9. http://Bank.org/
  10. 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 unic&gclid=Cj0KCQiAyJOBBhDCARIsAJG2h5ctwwMz0MRbVSk-LaYD-GMU5UgDSw7ynxbGr_a7SkaFAZzJc1-pzxEaAi4NEALw_wcB
  11. https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovation-mba-1-5-years-or-3-semesters/