---------- Forwarded message ---------
   From: Goberdhan, Harry (DFS) <[1]Harry.Goberdhan@dfs.ny.gov>
   Date: Tue, May 4, 2021, 5:36 PM
   Subject: RE: Bank.org | Research Paper
   To: Gunnar Larson <[2]g@xny.io>
   Cc: Weintraub, Cathy (DFS) <[3]Cathy.Weintraub@dfs.ny.gov>

   Thanks, Mr. Larson:


   I will take a look and let you know if there is need for a meeting to
   discuss any of the interesting point(s) in the article.


   Best regards,


   Harry C. Goberdhan, Esq.

   Assistant Counsel


   New York State Department of Financial Services

   One State Street, New York, NY 10004

   Phone: (212) 709-1669 |  Fax: (212) 709-1655

   [4]Harry.goberdhan@dfs.ny.gov


   From: Gunnar Larson <[5]g@xny.io>
   Sent: Tuesday, May 4, 2021 4:18 PM
   To: Goberdhan, Harry (DFS) <[6]Harry.Goberdhan@dfs.ny.gov>
   Cc: Weintraub, Cathy (DFS) <[7]Cathy.Weintraub@dfs.ny.gov>
   Subject: Bank.org | Research Paper


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   Dear Harry:


   Thank you for the call today.


   Attached, there please find an "Off-the-Record" submission in part to
   our Bank.org call today. You can also locate the file
   here:  [8]https://docs.google.com/document/d/10htpAEAcydm9NTgUQZVU4aEfJ
   q999UwRlGvOJZsXcqA/edit?usp=sharing


   Perhaps we can organize another Teams meeting this week to discuss any
   points you may find interesting. Many of the questions today could be
   answered via the research and 77 references attached to this email.


   Thank you,


   Gunnar


   --

   Gunnar Larson - [9]xNY.io | [10]Bank.org

   [11]MSc - Digital Currency

   [12]MBA - Entrepreneurship and Innovation (ip)


   [13]G@xNY.io

   +1-646-454-9107

   New York, New York 10001

References

   1. mailto:Harry.Goberdhan@dfs.ny.gov
   2. mailto:g@xny.io
   3. mailto:Cathy.Weintraub@dfs.ny.gov
   4. mailto:Harry.goberdhan@dfs.ny.gov
   5. mailto:g@xny.io
   6. mailto:Harry.Goberdhan@dfs.ny.gov
   7. mailto:Cathy.Weintraub@dfs.ny.gov
   8. https://protect2.fireeye.com/v1/url?k=738600e4-2c1d3839-7384f9d1-0cc47aa8c6e0-12872ee1c1a4bc4a&q=1&e=903d5bf3-12cd-4f65-b80e-091955f94385&u=https://docs.google.com/document/d/10htpAEAcydm9NTgUQZVU4aEfJq999UwRlGvOJZsXcqA/edit?usp=sharing
   9. https://protect2.fireeye.com/v1/url?k=f75a0642-a8c13e9f-f758ff77-0cc47aa8c6e0-9b81248d06545356&q=1&e=903d5bf3-12cd-4f65-b80e-091955f94385&u=http://www.xny.io/
  10. https://protect2.fireeye.com/v1/url?k=c46a7998-9bf14145-c46880ad-0cc47aa8c6e0-56a77a90f404b6fd&q=1&e=903d5bf3-12cd-4f65-b80e-091955f94385&u=http://bank.org/
  11. https://protect2.fireeye.com/v1/url?k=6650a457-39cb9c8a-66525d62-0cc47aa8c6e0-68e2dae1855e6118&q=1&e=903d5bf3-12cd-4f65-b80e-091955f94385&u=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
  12. https://protect2.fireeye.com/v1/url?k=0b02f990-5499c14d-0b0000a5-0cc47aa8c6e0-5c50ed6f4631299f&q=1&e=903d5bf3-12cd-4f65-b80e-091955f94385&u=https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovation-mba-1-5-years-or-3-semesters/
  13. mailto:G@xNY.io