Dear Madam Attorney General:
   Further to the NY-DFS matter below, we have great concern that the
   referenced ESG and D&O scheme may be running on RippleNet and/or xRP
   (while regulated out of New York).
   The 2020 RippleNet [1]customer list references Ripple's top four
   banking institutions home to the People's Republic of China:
    1. Industrial Commercial Bank of China
    2. China Construction Bank
    3. Agricultural Bank of China
    4. Bank of China

   xNY.io - Bank.org, PBC is a leader in cross-border digital asset
   innovation. The ESG and D&O matter shared with NY-DFS yesterday is a
   serious concern to the health of the United States financial system.
   While we cannot be certain of the specifics, one thing is sure. xNY.io
   - Bank.org, PBC chooses not to be second rate to Ripple and/or their
   top customers in China.
   We seek to learn the Attorney General's insights on the matter
   overall.
   Sending you the very best regards.
   Thank you,
   Gunnar Larson
   --
   Gunnar Larson
   [2]xNY.io - [3]Bank.org, PBC
   [4]MSc - Digital Currency
   [5]MBA - Entrepreneurship and Innovation (ip)
   G@xNY.io
   +1-646-454-9107
   New York, New York 10001
   ---------- Forwarded message ---------
   From: Gunnar Larson <[6]g@xny.io>
   Date: Wed, Jun 8, 2022 at 2:12 PM
   Subject: xNY.io - Bank.org, PBC | Memo #1 - The People’s Republic of
   China on ESG and D&O Innovation
   To: <[7]Adrienne.Harris@dfs.ny.gov>
   Cc: Weber, Richard (DFS) <[8]Richard.weber@dfs.ny.gov>, Weintraub,
   Cathy (DFS) <[9]Cathy.Weintraub@dfs.ny.gov>, Alexi Anania
   <[10]a@xny.io>

   June 8, 2022

   BY ELECTRONIC MAIL

   Superintendent, Adrienne A. Harris
   New York State Department of Financial Services
   One State Street
   New York, New York 10004
   [11]Adrienne.Harris@dfs.ny.gov

   Re:  The People’s Republic of China on ESG and D&O Innovation

   Dear Madam Superintendent:

   xNY.io - Bank.org, PBC is proud to be under the esteemed oversight of
   your distinguished office. Today’s memo signals concern of recent ESG
   and D&O research published by Nanjing Audit University of the People’s
   Republic of China. The institution is operated under the auspices of
   the [12]Jiangsu Provincial Government, the [13]National Audit Office of
   China and the [14]People's Bank of China.

   Kindly find [15]the attached memo addressed to your honorable
   attention.

   Respectfully yours,

   Gunnar Larson
   --
   Gunnar Larson
   [16]xNY.io - [17]Bank.org, PBC
   [18]MSc - Digital Currency
   [19]MBA - Entrepreneurship and Innovation (ip)
   G@xNY.io
   +1-646-454-9107
   New York, New York 10001

References

   1. https://drive.google.com/file/d/1pmz0RF_WvKKE_rRmoG_ksx0OCShmT9Zg/view?usp=sharing
   2. http://www.xny.io/
   3. http://bank.org/
   4. 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
   5. https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovation-mba-1-5-years-or-3-semesters/
   6. mailto:g@xny.io
   7. mailto:Adrienne.Harris@dfs.ny.gov
   8. mailto:Richard.weber@dfs.ny.gov
   9. mailto:Cathy.Weintraub@dfs.ny.gov
  10. mailto:a@xny.io
  11. mailto:Adrienne.Harris@dfs.ny.gov
  12. https://en.wikipedia.org/wiki/Jiangsu
  13. https://en.wikipedia.org/wiki/National_Audit_Office_of_China
  14. https://en.wikipedia.org/wiki/People's_Bank_of_China
  15. https://docs.google.com/document/d/1THKGP530wiMOKurCd79mHSFfW6GvCrOJsRzyA_JhT8Y/edit
  16. http://www.xny.io/
  17. http://bank.org/
  18. 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
  19. https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovation-mba-1-5-years-or-3-semesters/