Ms. Scott:
   Additionally, xNY.io - Bank.org respectfully submits Coinbase's Brian
   Armstrong on
   Bloomberg.com: [1]https://www.bloomberg.com/news/videos/2023-01-12/the-
   david-rubenstein-show-coinbase-s-brian-armstrong as a matter for
   public  comment for NY-DFS' "Proposed Guidance on Character and
   Fitness."
   The Bloomberg interview with Coinbase showed top journalistic
   integrity, yet, Coinbase failed to mention any NY-DFS investigation or
   pending action. The interview aired last December, before the 100M
   Coinbase settlement was announced by NY-DFS concerning Coinbase's
   BitLicense compliance.
   NY-DFS' approach to Coinbase and Goldman Sachs (who took Coinbase
   public) share independent insider trading scenarios that could
   disrespect the United States Department of Justice, Criminal Division,
   Fraud Section and Money Laundering and Asset Recovery Section
   compliance programs.
   We have collated 34 highlights that describe a corporate opportunity
   policy framework to gauge character and fitness of the "first Bitcoin
   loan" backed by a New York banking institution here:
   [2]https://drive.google.com/file/d/1Yx88RMoeLyyfbNK0RtPl4r-m8N21_1Sp/vi
   ew?usp=drivesdk.
   Per point one of NY-DFS' "Suggested Questions to Facilitate Initial and
   Ongoing Assessment of Designated Persons’ Character and Fitness," can
   you kindly acknowledge that you have reviewed and understand our appeal
   seeking extension for public comment to August 5, 2023?
   We feel extra time for public comment is warranted to ensure that
   xNY.io - Bank.org did not play a significant role or otherwise
   contribute in a meaningful way to the conduct that led to regulatory
   action or proceeding without ample notice.
   Thank you,
   Gunnar
   On Wed, Jun 28, 2023, 12:04 AM Gunnar Larson <[3]g@xny.io> wrote:

   Ms. Scott:
   NY-DFS recently asked for public comment concerning "Proposed Guidance
   on Assessment of the Character and Fitness of Directors, Senior
   Officers, and Managers" mentioned here:
   [4]https://www.dfs.ny.gov/industry_guidance/industry_letters/il20230509
   _guidance_assessment_fitness.
   xNY.io - Bank.org asks if the NY-DFS will extend deadline for public
   comment to August 5, 2023 from June 30, 2023.
   As requested by NY-DFS, today we provide (in a separate attachment)
   evidence of any documented exceptions to compliance with the "Suggested
   Questions to Facilitate Initial and Ongoing Assessment of Designated
   Persons’ Character and Fitness."
   We have collated 19 references comprising 205 highlights that touch on
   the five key areas below:
   [5]https://drive.google.com/drive/folders/1FTRRFFhQHDxf-oR9WOZz0a2gRtC9
   ZWVO.
   -Harassment and Discrimination Policies
   -Conflict of Interest Policy
   -Insider Trading Policy
   -Records Management Policy
   -Corporate Opportunity Policy
   xNY.io - Bank.org is seeking NY-DFS' extension for public comment to
   August 5, 2023 so that the New York Banking community has time to
   complete Q2-23 earnings call disclosures.
   As documented in the above 19 references, we feel extra time for public
   comment is warranted to ensure that xNY.io - Bank.org did not play a
   significant role or otherwise contribute in a meaningful way to the
   conduct that led to regulatory action or proceeding without ample
   notice.
   Per point one of NY-DFS' "Suggested Questions to Facilitate Initial and
   Ongoing Assessment of Designated Persons’ Character and Fitness," can
   you kindly acknowledge that you have reviewed and understand our appeal
   seeking extension for public comment to August 5, 2023?
   We hope to hear from you before June 30, 2023 given obvious factors.
   Sending you the very best regards.
   Thank you,
   Gunnar
   --
   Gunnar Larson
   xNY.io | Bank.org
   MSc - Digital Currency
   MBA - Entrepreneurship and Innovation (ip)
   G@xNY.io
   +1-917-580-8053
   New York, New York 10001

References

   1. https://www.bloomberg.com/news/videos/2023-01-12/the-david-rubenstein-show-coinbase-s-brian-armstrong
   2. https://drive.google.com/file/d/1Yx88RMoeLyyfbNK0RtPl4r-m8N21_1Sp/view?usp=drivesdk
   3. mailto:g@xny.io
   4. https://www.dfs.ny.gov/industry_guidance/industry_letters/il20230509_guidance_assessment_fitness
   5. https://drive.google.com/drive/folders/1FTRRFFhQHDxf-oR9WOZz0a2gRtC9ZWVO