STEPHEN ROTSTEIN

President,

Canadian Bar Association CBA

66 Slater St., Suite 1200

Ottawa, ON K1P 5H1

via: info@cba.org; srotstein@osc.gov.on.ca

STEEVES BUJOLD

Vice President, CBA

(IBA International Bar Association 'Member Organisations' Official Contact)

via: info@cba.org; sbujold@mccarthy.ca

ANGELA MOUTOULAS

Director/Directrice, CBA

Professional Development and Events

via: pd@cba.org

KEVIN WRIGHT

International Committee Chair, CBA

via: cba.sections@cba.org; kevin.wright@dlapiper.com

CC: International Bar Association

Top Management c/o Sternford Moyo

President

"The Global Voice of the Legal Profession"

via: iba@int-bar.org; info@scanlen.co.zw

"via email"

Dear Top Management of Canadian Bar Association (CBA), including Messiers & Madame (Esq. (practicing and non-practicing)); Rotstein (Stephen), Bujold (Steeves), Moutoulas (Angela) and Wright (Kevin); [CC: Mr. Moyo, (Sternford), International Bar Association IBA]

1. My name is Anoop Bungay; President of MortgageQuote Canada Corp., Bungay International Inc., based in Calgary, Alberta, Canada. This message to you follows earlier messages to your superordinate organizations, namely: International Conference of Legal Regulators (ICLR), Federation of Law Societies of Canada (FLSC) and your peer organization: American Bar Association (ABA). A simple public search will show that I am NOT a lawyer NOR a legal industry "practice advisor", so this email serves neither as legal advice, nor legal practice advice; nor does this message serve as conformity advice, risk management advice, financial advice, regulatory advice or advice of any kind. This email serves MERELY as a Canadian and International public notice and courtesy outreach to your organization to help you disseminate necessary and important information in matters that are relevant to your members, stakeholders and the general public; and, an effort to provide a formal cursory introduction to the wide-ranging, critical and complex nature, quality, character, characteristics, feature, function, form, purpose and extent of 20+ years (2001-2022+) of commercialized, regulatory-integrated, errors and omission insured, generic genus and species of "crypto", "digital finance" and related goods and services; other goods and services including those source-identified by one or more world famous, well-known marks (trademarks) including: BITCOIN™ brand utility token, BITMORTGAGE® brand securities token, BLOCKCHAIN™ brand management system, CRYPTDO™ brand quality managed private information.

2. To prevent ambiguity, this message via email and social media to your organization which is entitled:

• Canada-wide/International: Lawyer, Consumer Education & Safety Public Message & Invitation to CBA Canadian Bar Association and 13 Branches, Canada-Wide: RE: Access to 21+ Years of Correct and Proper, Primary Source Education on Matters related to Non-novel (Exact) Conformity Science and Applications, including: Commercial Goods and Services, Source-identified by Well-known, World Famous Trademarks: OFFICIAL AUTHENTIC ORIGINAL™ (OAO™) BITCOIN™; BLOCKCHAIN™; CRYPTDO™ brand of standards-based "generic crypto" [peer-to-peer digital finance, commerce and regulation] from Bungay MQCC®: Creator & Steward of OFFICIAL AUTHENTIC ORIGINAL OAO™ BITCOIN™: the World's First Utility Token; BITMORTGAGE® the World's First Securities Token; Commencing April 9, 2005 at www.PrivateLender.org

serves as a courtesy outreach to you and your organization (Canadian Bar Association CBA) in your self-described role as a "premiere provider of quality legal training and information". It is requested that you disseminate this very important safety and quality information message from MQCC®'; a message which provides vital knowledge which will help to prevent negative risk in the form of financial loss caused by financial volatility or loss in non-financial terms (loss of reputation and professional negligence claims emanating from incomplete or insufficient or untraceable understanding of certain scientific principles and proven best practices, sources, methods, techniques, processes) from a recognized authority (namely, MQCC® and Anoop Bungay) about certain and specific "global and national trends affecting your work" generally speaking; specifically, the "work" of the 36,000 individual members of your association (Canadian Bar Association CBA) in the following roles:

• lawyers

• judges

• notaries

• law teachers

• law students

• CEO's of insurance companies (federally regulated and non-federally regulated)

• CEO's of regulated (federal and non-federal; central, banks)

• CEO's, on a pan-industry basis (both regulated and non-regulated)

• any CEO who retains a lawyer or law firm for legal advice

with whom you "actively engage", "across Canada"; --- [Constraint Memo: While it is understood that Canadian Bar Association CBA "speaks" for lawyers, it is also understood that the CBA does not speak for the "total universe" of "Canada’s 136,000 lawyers, Quebec’s 4,200 notaries and Ontario’s 10,600 paralegals"; enumerated by the Federation of Law Societies of Canada FLSC (Source: flsc.ca)]--- specifically, this courtesy outreach serves as a matter of public notice and consumer safety disclosure in respect to certain genus and species of goods and services used-in-commerce and marketed by the following world famous or well-known marks (trademarks) and source identifiers, including:

• BLOCKCHAIN FOR LAWYERS™ (at www.BlockChainforLawyers.org) required reading for every lawyer in Canada, the Commonwealth and the world)

• CRYPTO FOR LAWYERS™

• METAVERSE FOR LAWYERS™

• BLOCKCHAIN FOR POLICY MAKERS™

• CRYPTO FOR POLICY MAKERS™

• CRYPTO, BITCOIN, BLOCKCHAIN AND METAVERSE FOR ELECTED OFFICIALS AND REGULATORY BODIES; REGULATORY PROFESSIONALS™

• BUNGAY INTERNATIONAL TECHNOLOGY CONFORMITY OF ORGANIZATION AND INDIVIDUAL NETWORK: BITCOIN™; The World's First Utility Token™

• BITMORTGAGE®; The World's First Securities Token™

• PROFESSIONAL BITCOINEER (P. BTCR.)®

• PROFESSIONAL BLOCKCHAINEER (P. BCR.)®

• FATHER OF BLOCKCHAIN®

• FATHER OF CRYPTO®

• FATHER OF METAVERSE™

• THE GLOBAL STANDARD FOR CRYPTO®

• THE GLOBAL STANDARD FOR BLOCKCHAIN®

• PRINCIPLES OF BLOCKCHAIN™

• BITCOINPEDIA™

• BLOCKCHAINPEDIA®

• BUNGAY LOGIC AND ORDER CONFORMITY KERNEL; CYBER/NON-CYBER HARMONIZED ARTIFICIAL/NON-ARTIFICIAL INTELLIGENT NETWORK: BLOCKCHAIN™ trademark brand quality management system

• OFFICIAL AUTHENTIC ORIGINAL OAO™

• WORLD BLOCKCHAIN DAY®

• WORLD CRYPTO DAY®

• BLOCKCHAIN HALL OF FAME®

• CYBERLOCKCHAIN™

• FATHER OF FREE TRADING SECURITIES™

• not a complete list.

3. The above list, more than merely source identifiers used-in-commerce represent well-known marks and world famous trademarks which, collectively (as a family of trademarks), serve as a valuable and highly prized and very functional consumer safety device, providing Canadian and International consumers of financial services with prima facie (at-a-glance) visual identification to the source of certain goods and services and, which further fulfills the following function (utility), best articulated by Canada Supreme Court Justice Binnie J. in Mattel, Inc. v. 3894207 Canada Inc. (2006), as follows: (paraphrased & modified; source: www.WIPOBlockChain.com)

• the purpose of a trademark is to distinguish wares or services manufactured, sold, leased, hired or performed by the trademark owner from those manufactured, sold, leased, hired or performed by others. "Their traditional role was (is) to create a link in the prospective buyer's mind between the product and the producer....It is a guarantee of origin and inferentially, an assurance to the consumer that the quality [ingredient, character, function, feature, purpose, use, scope and extent] will be what he (or she) has come to associate with a particular trade-mark (as in the case of the mythical “Maytag” repairman). It is, in that sense, consumer protection legislation." [Consumer Safety] Thus, trademarks: build the reputation and goodwill of the MQCC Bungay International LLC group [MortgageQuote Canada Corp.; Bungay International Inc.] of related companies in the eyes of the public, which will make all of MQCC™ trademark brands attractive and maintain consumer loyalty; deter counterfeiters from copying MQCC™ trademark brand product or causing confusion in the marketplace; prevent deceptive trade practice in the marketplace by distinguishing MQCC™ trademark brand genuine product or service from a fake; enabling the general public to immediately, prima facie, on an at-a-glance or visual basis, "recognize what it knows and trusts".

STATEMENT OF FACT: If any consumer or organization or professional (on a pan-industry basis) seeks to identify a trusted and trustworthy source of primary information on matters related to over 20 years of discovery, development, commercialization and continual improvement within an existing, consumer-safe, regulatory-integrated and regulatory-agnostic framework in matters related to the commercial application of the principles, concepts and core processes of non-novel (exact) conformity science (www.conformity.org) and the various and sundry genus and species of goods and services identified-in-commerce by the following world-famous, well-known marks (trademark source identifier), namely, BITCOIN™, BLOCKCHAIN™, CRYPTDO™ brand "crypto"; including generic goods, namely, fungible tokens, non-fungible tokens, peer-to-peer electronic and non-electronic finance processes [NOTE: The correct and proper terminological phrase is: Non-Bank, Non-Institutional, Non-Syndicated, Non-Regulated or Regulatory Exempt, Free Trading Finance; also known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance] then why not learn from the creator (Originating System-Operator (OSYSOP™) of the global (multi-jurisdictional standards-based, system-network), namely, yours sincerely, Anoop Bungay.

4. As explained via similar messages with varying degrees of content, over the course of up to 15 or more years, to Top Management, either on a peer-to-peer basis or non-peer-to-peer basis, to:

• International Conference of Legal Regulators (ICLR);

• American Bar Association (ABA);

• Federation of Law Societies of Canada (FLSC); (see www.BlockChainforLawyers.org to read the letters)

• current or former Canadian elected or appointed officials, or heads of organizations or senior members of organizations including provincial regulatory bodies in various industries; Canadian federal government ministries or agencies including Federal law enforcement, including:

  • Minister of Finance

  • Ministry of Finance

  • Treasury Board Secretariat of Canada

  • Competition Bureau of Canada

  • Real Estate Council of Alberta RECA

  • BC (British Columbia) Ministry of Finance; Deputy Premier of BC

  • Financial Services Regulatory Authority of Ontario FSRA (formerly FSCO)

  • BC Financial Services Agency BCFSA (formerly FICOM)

  • Ontario Securities Commission OSC

  • including practicing or non-practicing lawyers (licensed legal professionals) in various and sundry roles from policy making to investigation to enforcement

  • International Science Council

  • Chief Science Officer of Canada

  • Various and sundry journalists including Bloomberg; National Post of Canada; FOX Business; visit: ijcs.mqcc.org)

  • Heads (past and current) for various G20 and G7 Central Banks

  • TMX Group

  • this is an incomplete list; visit www.DisclosureOfBlockChain.com or www.mqcc.org to learn more

• International bodies and other international organizations

  • United Nations

  • United States current and former Presidents

  • United States Congressional Committee Chairs

  • United States Securities and Exchange Commission SEC®

  • Financial Regulatory Authority FINRA USA

  • this is an incomplete list visit www.DisclosureOfBlockChain.com or www.mqcc.org to learn more

And as documented in various primary source academic and primary source scholarly textbooks published and available on the internet, independent research by you or your organization will support the claim that yours sincerely, (Anoop Bungay) --- since at least early as August 14, 2001 to at least as early as April 9, 2005 and onward --- is the person who created the world's first peer to peer electronic finance system and subordinate, peer to peer electronic cash system. Further, yours sincerely, (Anoop Bungay) --- since at least early as August 14, 2001 to at least as early as May 9, 2008 and onward --- has first observed the natural phenomena and formalized the underlying non-novel (exact) natural science and commercialized consumer-safe, regulatory-integrated commercial applications which are known by one or more Canadian consumer safety devices (trademarks) listed above.

5. Your Canadian Bar Association CBA presents itself in your "ABOUT US" page, definitively as:

• "We (CBA) are the leaders and the voice of Canada’s legal profession."

Equivalently, MQCC® presents itself, definitively, as:

• "MQCC® is the leader and voice of commercial applications borne of a peer-to-peer electronic cash system; a peer-to-peer electronic finance system and non-novel (exact) conformity science based business applications for use in a pan-industry, pan-functional basis in commerce, finance, academia and government."

6. Every lawyer, both practicing and in non-practicing roles (including policy making and regulatory matters) in Canada that is accountable to the public or insured by a Property and Casualty insurance company for professional purposes including:

• insurance companies regulated by OSFI - at a federal level

• insurance brokers or insurance underwriters and managing agents regulated at a provincial level

Employed, appointed or practicing in the following industry sectors, sub-sectors, groups or sub-groups including:

• law

• finance (regulated and non-regulated)

• banking (Central bank, Federal Bank, Non-Federal Bank)

• information technology

• education

• not a complete list

Must be aware or should be made aware that if they are providing legal advice or advice or opinions in matters related to "peer-to-peer finance", then they should be aware that the globally recognized standards for safe and proper operation, based upon over 21 years of development and commercialization is established by MQCC. Indeed, the standard for the nature, quality, character, feature, function, purpose and extent of consumer safe goods and services known generically as:

• crypto

• quality management

• conformity management (formerly "compliance" however this term is deprecated in accordance with principles of international standards)

• peer-to-peer finance

• digital finance (including digital assets, digital debts, digital securities)

• digital transformation

• smart contracts

• utility tokens (the first and most famous one being the MQCC® BUNGAY INTERNATIONAL TECHNOLOGY CONFORMITY OF ORGANIZATION AND INDIVIDUAL NETWORK: BITCOIN™; The World's First Utility Token™)

• securities tokens (the first and most famous one being BITMORTGAGE®)

• fungible (and the obverse: non-fungible) goods or services

• distributed electronic classical computer systems including mirroring and parallel (DISTRIBUTED MIRROR™; DISTRIBUTED PARALLEL™)

• commercialized quantum computing (CQC™)

• insurance and risk management

• cybersecurity

• free trading (free-trading) securities

• National (Federal) Standards

• International Standards

• Fiduciary Standards

• Systems Level Artificial Intelligence (SLAi™); beyond (meta) machine learning (ML) and deep learning (DL)

• Systems Learning Artificial Intelligence (SLrAi™)); beyond (meta) machine learning (ML) and deep learning (DL)

• an incomplete list

are designed to be:

• consumer safe

• achieve the function and utility of risk management including risk identification, risk prevention, risk mitigation

• regulatory agnostic

• classical computer and non-computer technology agnostic

• processed based

• delivered in a commercialized quantum computing (CQC™) operating environment

• conforming to MQCC® Trademark PRINCIPLES OF BLOCKCHAIN™ including the following natural and inherent utility, or function:

  • standards based

  • transparency

  • accountability

  • record immutability

  • quality

  • traceability

  • fact non-repudiation

  • verifiability

  • measurable

  • not a complete list

and subject to one or more Canadian legislation, programs, initiatives or international equivalent; treaty or convention:

• Real Estate Act of Alberta

• Mortgage Brokers Act of British Columbia (BC)

• Mortgage Brokers and Lenders Act of Ontario

• Incorporation by Reference in Regulations Act

• Trademarks Act

• Standards Council of Canada Act

• Statutory Instruments Act

• National Research Council Act

• Government of Canada: Innovation in the public service

• Memorandum of Understanding between the Treasury Board of Canada Secretariat and the Department of Digital, Culture, Media and Sport, of the United Kingdom of Great Britain and Northern Ireland Concerning Digital Development

• Government of Canada Strategic Plan for Information Management and Information Technology 2017 to 2021

• Budget Implementation Act, 1997

Lawyers and legal professionals (and legal students) would be prudent to discuss, learn about and understand MQCC® and its seminal work in accordance to fulfilling the legal industry beyond reproach standard of meeting professional obligations under one or more doctrines or codes of legal professional practice, including:

• Federation of Law Societies of Canada (FLSC); Model Code of Professional Conduct 2019 which serves as the base framework for member regulatory and licensure law society bodies across Canada. Specifically, the Model Code of Professional Conduct states:

  • CHAPTER 3 – RELATIONSHIP TO CLIENTS

    • Section 3.1 COMPETENCE

    • Subsection 3.1-2 COMPETENCE: A lawyer must perform all legal services undertaken on a client’s behalf to the standard of a competent lawyer.

    • Subsection 3.1-2 Commentary:

      • Commentary Point # [7] A lawyer should also recognize that competence for a particular task may
        require seeking advice from or collaborating with experts in scientific, accounting
        or other non-legal fields, and, when it is appropriate, the lawyer should not
        hesitate to seek the client’s instructions to consult experts.

Further, this courtesy outreach serves as an invitation to lawyers, law firms, law schools, lawyers employed by legal regulatory bodies for public or private policy development and public or private policy enforcement, to contact Anoop Bungay and MQCC® in order to seek advice and gain invaluable formal, expert, primary source knowledge, training and collaboration opportunities in the non-novel (exact) field of science, namely conformity science, that is the foundation of the "conformity revolution" brought about by the innovations developed including: Official Authentic Original OAO™ BITCOIN™ brand of utilities token; BITMORTGAGE® brand of securities token and meta (beyond). Further, you may find Anoop Bungay in the Thomson Reuters WestlawNext Canada EXPERT WITNESS DIRECTORY.

7. In your respective roles as lawyers (in your own right; practicing and non-practicing) and members of CBA Association body leadership (Top Management), did you know the following historical facts:

• OFFICIAL AUTHENTIC ORIGINAL (OAO)™ brand of commercialized, proven-safe, proven-stable, regulatory-integrated, standards-based and proven-trusted "crypto" and goods and services marketed by the trademark BITCOIN™ brand utility token; BITMORTGAGE® brand securities token; METAVERSE™ brand management systems; CRYPTDO™ brand quality managed, private information, celebrates over 20 years of development, continuous improvement; at least 15 years of commercialization?

• the highest standard for reliable, trustworthy, competent and proficient is identified by a person or persons who possess the following designation:

  • PROFESSIONAL BITCOINEER (P. BTCR.)®

  • PROFESSIONAL BLOCKCHAINEER (P. BCR.)®

• the science that underlies MQCC® brand of goods and services is known as non-novel (exact) conformity science (visit www.conformity.org);

• one or more primary functions are for organizations to achieve conformity to statutory, regulatory, process and customer requirements at a peer-to-peer level, on a self-regulatory basis;

• it takes 4 years for a Bachelor level of education in conformity science and its applications;

• it takes 2-3 years for a Master's level of education in conformity science and its applications;

• it takes 2-4 years for a Doctorate (Ph D) level of education in conformity science and its applications;

• it takes over 5 years of real-word experience to be considered competent in matters of commercial applications of conformity science (based on international standards of competence);

• it takes over 10 years of real-word experience to be considered competent in matters of commercial applications of conformity science (based on international standards of proficiency level of competence);

• in matters of OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ brand utility tokens; there are UNLIMITED BITCOIN™ units;

• in matters of OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™, a consumer does NOT "buy" BITCOIN™ or "mine" it in the sense that the general population including policy makers think; for consumer safety and regulatory conformity purposes, distribution is based on site-licensing and domain based distribution;

• one primary function of "crypto" and the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ brand of utility token is RISK MANAGEMENT;

• correct and proper "crypto" and the BITCOIN™ brand utility token encapsulates financial value or process integrity;

• the original beneficiaries of the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and "crypto" system-network are lawyers and legal professionals;

• the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and "crypto" system-network was litigation tested by one or members of the International Conference of Legal Regulators (ICLR) as early as 2013; many Canadian Law Societies are members of the International Conference of Legal Regulators (ICLR);

• since at least as early as 2008, the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and "crypto" system-network is insured by one or more Canadian or Foreign Property and Casualty Insurance Companies regulated by Office of the Superintendent of Financial Institutions OSFI;

• Anoop Bungay and MQCC® are the primary source of correct and proper information on the subject of financial applications of conformity science and the world's first peer-to-peer electronic finance system and subordinate peer-to-peer electronic cash system; you may find many textbooks available on Amazon.com® or Google Play® store;

• OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ is designed to create positive return financial instruments in the form of non-regulated or regulatory exempt PRIMARY SECURITIES not SECONDARY SECURITIES so "stock markets" or "public exchanges" were never a part of the original system-network;

• If a person invested $100,000.00 in OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ based financial securities as early as 2003, the investment would be worth $2M in 2022 (before MQCC® Fiduciary Capital Partners FCP™ profit sharing);

• among other things, the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and "crypto" system-network is designed to create POSITIVE RETURN Financial investments by reducing financial transaction to a peer-to-peer base-level; financial investments that are public market agnostic and where "past performance IS AN INDICATOR of future performance";

• the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and "crypto" system-network created direct asset-secured financial securities that are insured for loss by a plurality of insurable devices resulting the unique nature of "the worst thing that happens is that an investor owns and asset" in the event of security enforcement; this quality is the basis of the term: LOSSLESS INVESTING because Canada Revenue Agency (CRA) does not consider enforcement and repossession of a securitized asset within the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and "crypto" system-network as a "FINANCIAL OSS" but rather as an "ACQUISITION"; (this is NOT tax advice nor accounting advice; seek the advice of a tax lawyer or accountant);

• continuously since at least as early as May 9, 2008, the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and "crypto" system-network is registered to one or more Canadian Federal (National) and equivalent international standards for consumer and government safety through quality, namely, ISO 9001:2000; ISO 9001:2008 and the risk-based ISO 9001:2015;

• the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and "crypto" system-network is designed to reduce risk and create NON-PUBLIC MARKET VOLATILE financial instruments; the MQCC® trademark Zero Beta; Positive Alpha™ process.

• the Canadian Bankers Association was introduced to MQCC® at least as early as 2017 (or earlier) and Canadian Consumers of Banking services who might have lost $$ might want their lawyers to contact and retain MQCC® to learn about what was explained to the Canadian Bankers Association back then;

• at least as early as May 9, 2008, the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and "crypto" system-network is recognized by the United States, Canadian and UK Governments to conform to at least the standards of higher level contract quality requirements demanded by the United States Government departments and agencies including: the United States Department of Defense (DOD); the United States General Services Administration (GSA) and the United States National Aeronautics and Space Administration (NASA); 2022 represents over 14 years of continuous conformity;

• just as there are non-conforming, subordinate standard (sub-standard), fake, counterfeit or pirated goods and service in commerce, like LOUIS VUITTON® clothing, MICROSOFT® software, ROLEX® watches, so, too, the world is quickly realizing, there exists non-conforming, subordinate standard (sub-standard), fake, counterfeit or pirated goods and service in commerce under the names of "bitcoin" (non official); or sub-standard "crypto" or "blockchain" or "metaverse" (not a complete list);

• one rule of thumb for any consumer, policy maker or regulator or promotor or company CEO: "If a 'crypto' or 'blockchain' or 'token' good or service is inherently volatile in terms of economic value for the end-consumer, then this good or service does not conform to the ORIGINATING STANDARDS™ developed and maintained by MQCC®, Bungay International and Anoop Bungay, over the course over 21+ years;

• when something is designed to be "peer-to-peer", like a "peer to peer electronic finance system" or "peer-to-peer electronic cash system", then the implication is that there are only 2 parties to the process and this reduces risk and volatility because 3rd parties or the general public are NOT involved; and THIS is how volatility in commercial transactions is reduced or eliminated;

• as a primary source of education, MQCC® education meets or exceeds the accreditation quality standards demanded in education programs (programmatic level) or courses (course level) by the United States Department of Education (DOE) quality management standards; accredited education goods and services are identified in commerce by MQCC® by the trademark: ACCREDITED CLASS®;

• if a consumer is losing $$$ in experimental or non-proven 'crypto' tokens, the consumer is investing in goods or services that actually or ostensibly do not conform to the 21+ years of standards developed by MQCC® including methods, processes, sources, and techniques;

• OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ is designed to use higher-level (Systems-Level and Systems-Learning) artificial intelligence systems to program processes that prevent, identify and mitigate errors, omissions, fraud, wilful blindness, lack of training, incompetence and other non-conformity that creates risk for both regulated and non-regulated organizations;

• the original generic "crypto" borne out of OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ brand utility token service and BITMORTGAGE® brand free trading securities is designed to keep your business affairs private; keeps your business and organization processes safe; is designed to prevent, identify and mitigate positive risk and negative risk, both economic and non-economic in nature, quality, feature, function, purpose, form or extent;

• BITMORTGAGE® brand of asset secured financial security is designed to assure free trading and non-free trading securities are quality managed; safe, secure and reduce volatility;

• OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ is designed to "encapsulate value" and be a hedge on inflation and BITCOIN™ based financial securities have earned annual returns averaging 16.30% per year, every year since at least as early as 2003; visit PRIVATELENDER.org: Canada's Private Lending Network® at www.PrivateLender.org to see proof;

• OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ brand utility token and related processes is an "EXPERT SYSTEM" that requires years of education and training to learn and gain competence;

• OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ brand utility token and related processes is designed to integrate with risk management systems in order to empirically and materially reduce business risk using a risk-based approach; a prudential risk management system;

• OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ brand utility token and related processes are designed to create value ("mining"), encapsulate value ("binding"), preserve value ("securitizing") and transfer value from one organization or individual to another, at a peer-to-peer level, on a free-trading basis, either outside of regulatory environment or within a regulatory-integrated or regulatory-exempt environment (operating system) without "middle-men"(intermediaries) for example, in the case of the BITMORTGAGE® brand of securities token, without intermediaries (third parties) like lawyers or bankers;

• OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and related processes are designed to technology agnostic and cross-cutting (cross functional) in nature, quality or character;

• REMEMBER THIS email message is NOT ADVICE of a legal nature, financial nature or any other form of advice. This email message shows you -- and the legal community writ-large -- the critical and complex nature of the universe of MQCC®.

• there are certain principles, concepts, core methods and sources that are required to correctly and properly conform to MQCC® Standards;

• while the original programming for the world's first Peer-to-Peer electronic cash system was designed -- at a base level -- in the classical computer, object oriented language programming language paradigm and programming language knowns as C++ by my elder brother, namely, Santosh K. Bungay; Founder of WIZGOD®; the current edition of the MQCC® Peer-to-Peer electronic cash system is programmed in higher level programming paradigm known as Higher Level Meta Programming (HLMP™); a natural language programming paradigm; the programming language is UNIQML™ and is the base programming language for commercialized quantum computing (CQC™);

• it is an irony that the goal of MQCC® is to create risk-managed financial goods and services and by reducing financial transactions to a peer-to-peer level of operation, this can be successfully achieved by millions of consumers world-wide are investing in non-standard and non-conforming (fake, counterfeit, pirated, non-standard) "crypto" or "token" or "blockchain" projects or investments and are being exposed to volatility including total principal investment loss; these non-conforming goods and services are best described by the MQCC® trademark: DIGITAL ASBESTOS™;

• MQCC® is the developer of the de facto global industry standards which are integrated from the early years (at least as May 9, 2008) with de jure standards that are recognized by 118+ countries;

• among the first beneficiaries of the MQCC® suite of systems, standards, goods and services --- as early as 2005 or earlier --- were (and continue to be) practicing lawyers and non-practicing/retired lawyers;

• MQCC® is scrutinized by one or more members of the Canadian Securities Association (CSA);

• MQCC® as creator of the world's first "digital financial token" conforms to the same risk-based processes as the Bank of Canada; the central bank of Canada;

• The world has a myopic (limited) understanding of the origins of a peer-to-peer electronic cash system ("bitcoin"); one attributed to a faceless and opaque person or group of persons known as "satoshi nakamoto"; independent research will show that the term "satoshi nakamoto" appears to be actually or ostensibly nothing more than an anagram of my name and my elder brother's name (read my "TEACHING HARVARD" textbook to learn more -- see list below for reference); the creators of the world's first peer-to-peer electronic finance system and peer-to-peer electronic cash system, as early as April 9, 2005 at www.privatelender.org and creator of the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ brand utility token is neither faceless nor opaque, as proven in this email message to you, today;

• As explained at the MQCC® website at www.mqcc.org; you have not heard of an organization like MQCC® because it has not existed before.

• This is an incomplete list of historical facts; visit www.mqcc.org to learn more

8. Implications

• if a lawyer (practicing or non-practicing) or Bank CEO or finance company CEO or designated exchange CEO or policy maker, or INVESTOR or promotor or MainStreet Investor (Mom and Pop) or student or teacher (educator) want to truly know what BITCOIN™ brand conformity token service, CRYPTDO™ brand "crypto" (quality managed private information system); BLOCKCHAIN™ brand quality management systems and related brand name goods and services;

• once consumers in Canada and world-wide realize that rich depth and breadth of "what crypto is what crypto does"; "what OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ is and what OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ does"; it will not be long before the consumers ask companies that are promoting "crypto" or non- OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™, if the promoters meet the standards of quality and safety as established by the creator and manager, namely Anoop Bungay and MQCC®;

• the public record shows that some lawsuits have already started and this may increase once consumers, CEO's and promoters realize that standards exist and the standards are established by the originating creator, namely, Anoop Bungay and if a company or an organization desire to promote projects in matters of "BITCOIN" or CRYPTO or BLOCKCHAIN, it would be fair and reasonable to conform to the originating standards established by MQCC® in order to prevent undue risk on consumers and investors;

• Indeed, the "world" has at best an incorrect or improper understanding and at worse, a misdescriptive or deceptively misdescriptive of the underlying non-novel (exact) science, namely, conformity science that is the foundation of the generic concept systems known as peer-to-peer electronic and non-electronic finance and its traceable, verifiable origins;

• before any bank or financial organization (designated exchange, financial intermediary); or regulated financial advisor promotes "crypto" and related goods or services; they should take the time to discover the reality by reading up on MQCC® and read the various textbooks that provide vital insight in order to prevent undue risk;

• consumers and mainstreet investors should take the time to learn, too, BEFORE investing money;

• the education material at the Canadian Banker Association CBA website on "crypto" and related goods and generic "bitcoin" or "blockchain" should be updated to reflect the historical reality of the originating work of Anoop Bungay and MQCC®; and should caution readers and students that there exists an official, original suite of goods and services that conform to originating standards of quality and safety which were introduced to the world at least as early as April 9, 2005 at www.privatelender.org;

• when dealing with or considering to investment thousands of dollars ($) or millions of dollars ($) into "crypto" or "token" or generic "digital finance" projects; Mainstreet consumers, retail investors and CEO's of investing organizations should ask themselves:

  • "does this promoter's idea or business conform to the originating de facto de jure-integrated industry standards for quality and consumer safety created by Anoop Bungay and MQCC®?"

  • "is this promoter's organization's employees insured to the same standard as MQCC® is insured, by a Property and Casualty insurance company for errors and omission?

  • this is an incomplete list of questions to ask oneself

• This NOT a complete list of implications;

9. There is so much to say, but as explained to Current US President Biden and former Presidents, Mssrs. Bush (G. W), Obama and Trump (because these were the Presidents when the world's first peer-to-peer electronic cash system was commercialized at www.privatelender.org (starting with President Bush (G. W.) at least as early as April 9, 2005; at TEACHING PRESIDENT™ (www.TeachingPresident.com);

• it takes over 4 years for a Bachelor-standard of learning; 2 more years for a Master-standard of learning; 2-4 more years for a Doctorate-standard of learning; and, 4 or more years of working with MQCC® to earn a specialist designation standard of work experience...

10. as a courtesy, here are some US and International Leaders contacted over the past 17 years:

• Chair of the SEC® (read the textbook: TEACHING SEC; found at Amazon or Google play)

• Treasury Secretary and others (read the textbook: TEACHING SEC; found at Amazon or Google play)

• US Congress Subcommittee (see TEACHING PRESIDENT website at www.TeachingPresident.com)

• International Science Council (see the International Journal of Conformity Science IJCS™ at ijcs.mqcc.org)

• United Nations Secretary General (www.bitcoin.eco)

• Hundreds of more leaders; a partial list is found here at www.DisclosureOfBlockChain.com

  • https://mqcc.org/A-Message-to-You-Consumer-Industry-Government

11. As a further courtesy; here are some academic, scholarly and technical textbooks and a link to the Accredited Class™ EDU program at MQCC®; whose quality standards meet or exceed the United States Department of Education ACCREDITATION standards for "QUALITY" in education.

• Amazon.com: AUTHOR ANOOP BUNGAY

• Google Play: AUTHOR ANOOP BUNGAY

• edu.mqcc.org Scholarship at MQCC™ Corporate University™ edu.mqcc.org (MQUCC™)

12. On an interesting note, as explained to some other persons, the process of creating and continually improving a "peer to peer electronic cash system" bypassed not only the traditional banks, the following were also bypassed:

• academic institutions (colleges, universities, polytech, vocational schools)

Feel free to read the following academic and scientific textbooks, to learn more:

• The 21st CENTURY SCIENTIFIC METHOD™: Triangle to Triangle Pyramid to Solid Square Pyramid: A Stronger Scientific Method by Correct and Proper Application of the Trademark "Principles of 'BlockChain'"™ ; [available only on both Amazon and GOOGLE PLAY]

• Origin of a Specie™: A Transparent, Incontestable, Encyclopedic History of the "Principles of 'BlockChain'"; Birth of Binary Digit Utility Tokens, Securities Tokens; International Standards Integration and the Discovery of Conformity Science. 2001:2019 and Onward' ; [available only on GOOGLE PLAY; the most important textbook]

• Learn "The Global Standard for BlockChain®" Level 01: for School Children, Chief Executive Officers (CEO) & Chief Fiduciary Officers (C-FIDO™); (BlockChain Means Pinky Promise!™) - Level 01 ; [the only textbook my mother has read; available only on both Amazon and GOOGLE PLAY]

• Legislator, Regulator & CEO Conformity Handbook: British Columbia (BC), Canada; [available only on both Amazon and GOOGLE PLAY]

• How the April 9, 2005 - World's First - Commercial Application of "Principles of 'BlockChain'" Was Influenced by Secretaries- & Directors-General of UNGA, OECD, WIPO & WTO Organizations from 2001-2005 [available only on both Amazon and GOOGLE PLAY]

• MQCC SAFER™ Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance: Be The Bank® Series "Private Lending” Program CANADA - INTERNATIONAL EDITION [available only on both Amazon and GOOGLE PLAY]

• Teaching Harvard & All Higher-Level, Accredited/Accredited Class®, Regulated, Vocational, Academic, Research, Development (HARVARD) Class Organizations World-Wide: True "Principles of 'BlockChain'"™ [available only on both Amazon and GOOGLE PLAY]

• Anoop Bungay, BlockChain, bitcoin, The UK, Royal Family, The Commonwealth, Current & Future World Leaders: Government, Commerce (Industry-Finance) & Academia; British Subjects, Citizens, Residents [available only on both Amazon and GOOGLE PLAY]

• Teaching Billionaire, Founder & CEO: Anoop Bungay { Warren Buffet, Jack Dorsey, Larry Ellison, Jimmy Pattison, Robert F. Smith, MQCC™ { Berkshire Hathaway, Twitter, Oracle, Jim Pattison Group, Vista Equity, [available only on both Amazon and GOOGLE PLAY]

• OSI 11™: Bungay Unification of Quantum Phases trademark BLOCKCHAIN™ Layer for Open Systems Interconnection of BlockChain™ System-Networks: 11 Layer DIP™: Distributed (Federated) Integrated Protocol [available only on both Amazon and GOOGLE PLAY]

• Teaching SEC™: SCIENTISTS, SECURITIES: Regulator-Policy Maker-Investigator-Lawyer; EXCHANGE, LAW ENFORCEMENT, EDUCATORS: Officers; CHIEF EXECUTIVES: Top Management-CEO of Regulatory & Regulated Bodies [available only on both Amazon and GOOGLE PLAY]

• An Invitation to the Secretary General (Chief Executive Officer (CEO)) of the United Nations in Matters of Non-Novel (Exact) Conformity Science & Trademark Originating “Principles of ‘BlockChain”™ [available only on both Amazon and GOOGLE PLAY]

• Teaching Dictionary™: A Risk Prevention Notice for Linguists, Lexicographers and Laypersons (You) in matters of Applied Non-Novel (exact) Conformity Science [available only on both Amazon and GOOGLE PLAY]

• This is not a complete list.

As explained to me by one or more practicing lawyers including a senior practicing lawyer (with 30 or more years of practice); to paraphrase the late John G. Diefenbaker, former Prime Minister of Canada:

• "When the law is on your side follow the law; when the facts are on your side, follow the facts"

When it comes to the reality of creation and ongoing management of the world's first peer-to-peer electronic finance system and subordinate peer-to-peer electronic cash system; history, as of 2022, shows that the law (both Canada and International) has not yet realized or grasped the traceable, verifiable, incontestable facts on the origins and the originator, namely, yours sincerely: Anoop Bungay. Anyhow, this should be enough for today to give you an idea of the true, traceable, verifiable, incontestable history and some implications for the future. If you or your organization's members seek expert advice in the subject matter for which MQCC® and Anoop Bungay are renowned for; for themselves or their legal clients or employers, you or any CBA member or NON-CBA-member law firm; or lawyer or consumer (investor or non-investor) or CEO or student may find me on the internet and metaverse.

Sincerely,

/s/

Anoop Bungay

PS: it is a long weekend so mind any grammar, spelling or logic; gotta do some family things. Feel free to email me any questions you might have.

--

HERE TO SERVE YOU: WORTHY-OF-YOUR-TRUST QUALITY™. If you have questions, please contact me at your convenience. In order to prevent errors and omissions, email is the preferred choice of communication.

Thank you for choosing MortgageQuote Canada Corp., 'Proud sponsor of the Canadian dream.'^®

Sincerely yours,

A. K. (Anoop) Bungay, B. Comm., C-PEM®-P

Broker

MortgageQuote Canada Corp. (mortgagequote.ca)

Financial services for whom time is worth more than money.™

Alberta (AB) * British Columbia (BC) * Ontario (ON)

ON Brokerage License #12279

communication-policy.mortgagequote.ca

www.mortgagequote.ca

"Proud Sponsor of the Canadian Dream"^®

A finance sector process of MQCC™ Meta Quality Conformity Control Organization™, incorporated in September 2006 as MortgageQuote Canada Corp.: the World's First BlockChain Company™; the World's Most Trusted BlockChain Company™: www.mqcc.org; and Global Network Administrator (GNA™) of the Bungay International Technology (BIT™) Conformity of Organization and Individuals Network (COIN™) Global System-Network: Managing The Metaverse™ www.metaversepedia.info™; established at least as early as April 9, 2005 at www.privatelender.org.

An ISO 9001:2015 Registered Company

PRIVILEGE AND CONFIDENTIALITY NOTICE

MortgageQuote Canada Corp. (mortgagequote.ca) is a member of the Meta Quality Conformity Control Organization MQCC™ network. MQCC™ (MQCC.org) is a global finance, conformity and education business providing client services worldwide directly or through its member firms and affiliates. This email may be confidential and protected by privilege on a legal basis. If you are not the intended recipient, disclosure, copying, distribution and use of the email matter including URL links and related attachments, are prohibited; please notify the sender immediately and delete this email and related attachments from your systems. Unsubscribe from Automatic MQCC Ai-CRM Emails). MQCC Legal Notices.

MQCC® & Financial Services Regulatory Authority of Ontario (FSRA) - Comments RE: Consultation on the proposed insurance prudential supervisory framework (IPSF) guidance - ID 2022-008 & September 2022 Risk Prevention Notice to FSRA CQMFA

Anoop Bungay <anoop.bungay@mortgagequote.ca>

Tue, Sep 6, 1:02 PM (2 days ago)

to mark.white

Mark White

Chief Executive Officer

Financial Services Regulatory Authority of Ontario

25 Sheppard Avenue West, Suite 100

Toronto, Ontario M2N 6S6

mark.white@fsrao.ca

September 6, 2022

(1) Introduction:

• MQCC® (MortgageQuote Canada Corp.) a regulatee of the Financial Services Regulatory Authority of Ontario (FSRA) is recognized world-wide as creator of the world's first peer-to-peer electronic finance system and subordinate peer-to-peer electronic cash system [the correct terminological description is: Non-Bank, Non-Institutional, Non-Syndicated, Non-Regulated or Regulatory Exempt, Free Trading Finance; also known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance system-network] commencing at least as early as April 9, 2005 at the uniform resource locator (URL; website) www.privatelender.org;

• An innovation borne out of a need to create a standards-based, risk-based, self-regulating business and system-network in order to assure utmost conformity to MQCC® statutory, regulatory, customer and stakeholder requirements (including the requirements of Property and Casualty, and General Insurance companies providing professional liability, errors and omissions insurance underwriters who provide errors and omissions insurance to MQCC®); a 15+ year business model that is built on concepts, principles and core methods out of the non-novel (exact) field (domain) of science known as conformity science (visit www.conformity.org); conformity science: the "SCIENCE OF RISK MANAGEMENT™";

• Over the course of 15+ years; as explained (in various degrees of content) to various and sundry Ontario, Canadian and World leaders including Lower, Middle, Senior or Top Management of organizations, including:

  • NABRICO National Association of Bar Related Insurance Companies -- of which one or more of your members of the FSRA Technical Advisory Committee for Insurance Prudential Regulation and Supervision advisory committee, are members

    • Proof: https://nabrico.com/members/ url and https://www.fsrao.ca/industry/auto-insurance/regulatory-framework/advisory-committees/technical-advisory-committee-insurance-prudential-regulation-and-supervision

  • International Conference of Legal Regulators (ICLR)

  • Federation of Law Societies of Canada (FLSC)

  • Canadian Bar Association (CBA)

  • American Bar Association (ABA)

  • Office of the Superintendent of Financial Institutions (OSFI)

  • Canadian Federal Ministry and Minister of Finance

  • Competition Bureau of Canada

  • FSCO Financial Services Commission of Ontario now known as FSRA Financial Services Regulatory Agency of Ontario

  • OSFI Office of the Superintendent of Financial Institutions

  • Fasken Martineau DuMoulin LLP Law firm

  • Bank of Montreal BMO

  • Ontario Securities Commission OSC

  • MBRCC Mortgage Broker's Regulatory Council of Canada

  • RECA Real Estate Council of Alberta

  • BC FSA British Columbia Financial Services Authority

  • TMX Group

  • (not a complete list; visit www.mqcc.org or www.DisclosureOfBlockChain.org to see some of the outreach over the years)

• MQCC® has reshaped the world's understanding of how risk in regulated and non-regulated (free-trading) finance is managed by regulatory bodies and regulated bodies; from a peer-to-peer scale to non-peer-to-peer scale, in Canada and world-wide;

• You will know MQCC® by its various and sundry proprietary brand names of MQCC® goods and services; proprietary brand names which serve as source identifiers by the following trademarks:

• • BLOCKCHAIN FOR LAWYERS™ (at www.BlockChainforLawyers.org) required reading for every lawyer in Canada, the Commonwealth and the world)

  • CRYPTO FOR LAWYERS™

  • METAVERSE FOR LAWYERS™

  • BLOCKCHAIN FOR POLICY MAKERS™

  • CRYPTO FOR POLICY MAKERS™

  • CRYPTO, BITCOIN, BLOCKCHAIN AND METAVERSE FOR ELECTED OFFICIALS AND REGULATORY BODIES; REGULATORY PROFESSIONALS™

  • BUNGAY INTERNATIONAL TECHNOLOGY CONFORMITY OF ORGANIZATION AND INDIVIDUAL NETWORK: BITCOIN™; The World's First Utility Token™

  • BITMORTGAGE®; The World's First Securities Token™

  • PROFESSIONAL BITCOINEER (P. BTCR.)®

  • PROFESSIONAL BLOCKCHAINEER (P. BCR.)®

  • FATHER OF BLOCKCHAIN®

  • FATHER OF CRYPTO®

  • FATHER OF METAVERSE™

  • THE GLOBAL STANDARD FOR CRYPTO®

  • THE GLOBAL STANDARD FOR BLOCKCHAIN®

  • PRINCIPLES OF BLOCKCHAIN™

  • BITCOINPEDIA™

  • BLOCKCHAINPEDIA®

  • BUNGAY LOGIC AND ORDER CONFORMITY KERNEL; CYBER/NON-CYBER HARMONIZED ARTIFICIAL/NON-ARTIFICIAL INTELLIGENT NETWORK: BLOCKCHAIN™ trademark brand quality management system

  • OFFICIAL AUTHENTIC ORIGINAL OAO™

  • WORLD BLOCKCHAIN DAY®

  • WORLD CRYPTO DAY®

  • BLOCKCHAIN HALL OF FAME®

  • CYBERLOCKCHAIN™

  • FATHER OF FREE TRADING SECURITIES™

  • not a complete list

(2) MQCC® wishes to commend FSRA for its efforts in to:

• improve its established role of "regulating non-securities financial services...in Ontario"; in accordance with FSRA Mission, Vision and Values; in accordance with the FSRA FY (fiscal years) 2021-2024 Annual Business Plan; in accordance with the FSRA Statement of (Cross-Sectoral/"Cross-Cutting" or "Pan-Functional") Priorities, including:

  • "stakeholders’ regulatory experience, and safety, fairness and choice for consumers of financial services, and members of pensions in Ontario" through:

    • Regulatory Efficiency and Effectiveness in order to:

      • 1. Protect the Public Interest

      • 2. Enable Innovation

      • 3. Modernize Systems and Processes

      • 4. Transition to Principles- Based Regulation

    • Within the following "specific: Targeted High-Impact" priority industry sectors, sub-sectors, groups, industry groups or functions:

      • 5. Property & Casualty / Auto Insurance

      • 6. Credit Unions

      • 7. Life & Health Insurance

      • 8. Mortgage Brokering

      • 9. Pensions

      • 10. Financial Planners & Advisors

• by developing a "Proposed Insurance Prudential Supervisory Framework" (guidance/IPSF); "an approach for supervision and risk assessment of Ontario’s provincially incorporated insurance companies (“Insurers”)."

• It is understood that FRSA's "primary focus is to determine the impacts of current and potential future events, both internal and external, on the risk profile of each Insurer, and drive FSRA’s allocation of supervisory resources."

• It is understood that "This Guidance articulates FSRA’s supervisory approach for all Insurers, as well as the practices and processes for determining an Insurer’s Overall Risk Rating (“ORR”), Intervention Level (IL), and level of FSRA’s supervisory activity under the Insurance Act (the “Act”), supporting Regulations and FSRA Rules and Guidance."

• It is understood that "The level and extent of supervision under the IPSF will depend on the size, complexity, and risk profile of the Insurer, and the potential consequences of an Insurer’s failure including systemic impact."

• It is understood that the "Rationale and background" (the impetus) for FSRA developing a "Proposed Insurance Prudential Supervisory Framework" (guidance) is to:

  • "identify imprudent or unsafe business practices and misconduct impacting policyholders of Insurers and intervenes on a timely basis". This is achieved by FSRA and IPSF because the IPSF process develops a process of "prudential and market conduct supervisory activities to comprehensively assess the risk profile and determine the overall risk rating [ORR] of each Insurer.

• It is understood that "The IPSF is designed to assist FSRA in meeting its statutory objects (sic) under the Financial Services Regulatory Authority of Ontario Act, 2016 (the FSRA Act)[2]. The IPSF will support FSRA’s efforts to:

• contribute to public confidence in the insurance sector

• promote high standards of business conduct in the insurance sector

• protect the rights and interests of policyholders

• foster strong, sustainable, competitive, and innovative financial services sectors

• promote and otherwise contribute to the stability of the insurance sector with due regard to the need to allow insurers to compete effectively while taking reasonable risks

• The ORR of an Insurer will also help FSRA consider whether an Insurer should be subject to increased regulatory activity (level of supervisory engagement) and other enhanced supervisory activity. It will also determine the supervisory actions that typically occur at each of the intervention levels, which may include recovery and resolution activities.

(3) In the spirit of FSRA's "primary focus" to "determine the impacts (effects) of current and potential future events, both internal and external, on the risk profile of each Insurer..."', this message from MQCC® also serves as a "RISK PREVENTION NOTICE" to FSRA and the 291 Provincially regulated insurance sector [some of whom provide Property and Casualty Insurance of the type known as Professional Liability and sub-type: Errors and Omissions Insurance to 52 loan and trust corporations, 1,250 mortgage brokerages, 2,953 mortgage brokers, 15,514 mortgage agents, 242 mortgage administrators]; and millions of Ontario beneficiaries (residents (corporate and non-corporate) and foreign direct investors into Ontario's economy; as follows:

3.1 - MQCC® September 2022 Risk Prevention Notice to FSRA

3.1.1 - In the context of FSRA's "Proposed Insurance Prudential Supervisory Framework" (guidance/IPSF), the term "risk" is defined in accordance to the IPSF "Guiding principles and supervisory standards" as follows:

• "both likelihood of financial loss to policyholders and possibility that the conduct, acts, or omissions of an Insurer or its staff harm or deliver poor/unfair outcomes for its policyholders."

3.1.2 - MQCC® wishes to inform FSRA Top Management that there exists a high degree of likelihood (probability) that Ontario's regulated insurance industry members to trade in Property and Casualty Insurance of the type known as Professional Liability and sub-type: Errors and Omissions Insurance may be subject, writ large (industry group-wide) to risk, as defined by FSRA IPSF; in matters related to recognizing and understanding the difference between generic goods and services and trademark source identifiers for specific goods and services that possess a standard of quality, for example, commercial applications of Canada's Federal National Standard for Quality Management Systems, namely, the risk-based, ISO 9001:2015.

3.1.2.1 - ISO 9001:2015 is a Canadian National Standard that is developed by consensus and assures consumers, regulators, errors and omissions insurance underwriters, investors, lenders, the general public, and stakeholders that "an organizations products (goods/wares) or methods (services/products) are better, safer and more efficient; safe, reliable and good; and prevents loss of $$$ caused by negative risk resulting from nonconformity like: errors, omissions, process breakdowns, fraud, willful blindness of employees, incompetence (lack of training) of employees, statutory, regulatory or failure to meet customer requirements.

3.1.3 - As a provincial regulatory body, it is understood that FSRA is already aware of the benefits of Canadian National Standards and their affect on policy making in order to make regulated activities safe for consumers through Ontario's involvement with the Canadian Federal Government and Treasury Board of Canada in respect to certain federal and provincial policy-making directives including the 2012 "Cabinet Directive on Regulatory Management" (and later iterations). Visit www.mqcc.org to learn more.

3.1.3.1 - Indeed, FSRA already understands the benefits of standards to achieve operational goals because FSRA uses the United States National Institute of Science and Technology cybersecurity standard within its own operations. As noted on the FSRA website: "FSRA utilizes a NIST framework, which is an industry standard that establishes security posture and helps to manage our [cyber security] program."

3.1.4 - As FSRA and at least one or more existing FSRA-regulated insurance companies, managing general agent (MGA) or a managing general underwriter (MGU) knows or ought to know, since at least as early as May 9, 2008, MQCC® is Canada's ONLY finance sector company (other than Canada's Central Bank: the Bank of Canada) that is continuously registered to the Canadian Federal National Standard for Quality Management Systems, namely, ISO 9001:2000, ISO 9001:2008 and the current, risk-based standard, ISO 9001:2015 for the scope of mortgage brokering and mortgage lending. Just do an internet search for MQCC® and FSRA or read blog.mortgagequote.ca to see some publicly available proof of prior disclosure.

3.1.5 - The impetus for registering MQCC® to ISO 9001:2000 was because at least as early as April 9, 2005, the CEO of MQCC®, yours sincerely, (namely, Anoop Bungay) under my original company name: Bungay International Inc. (Bungay International Technologies; BIT™) with a little help from my brother (Santosh, Founder of WIZGOD®), created a peer-to-peer electronic finance system and subordinate, peer-to-peer electronic cash system for the trading of free-trading securities, specifically, real-estate-secured and non-real-estate-secured financial instruments on a global computer network (system-network); generically, this business is known as "private lending" and the correct terminological description is: Non-Bank, Non-Institutional, Non-Syndicated, Non-Regulated or Regulatory Exempt, Free Trading Finance; also known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance. The system-network created by yours sincerely to achieve the business is an innovation that allowed for transfer of free-trading financial securities in specie, [see textbook ORIGIN OF A SPECIE™ written by yours sincerely, list of textbooks are noted below.] via an electronic global computer network between investor and investee (or lender and borrower) using a "fungible and non-fungible (FNFT™) token system" on "distributed ledger-based platform", without the involvement of third parties (intermediaries), including:

• banks

• law firms

• mortgage brokers

• credit intermediaries

• title insurance companies

• public securities regulators

• not a complete list

The Non-Bank, Non-Institutional, Non-Syndicated, Non-Regulated or Regulatory Exempt, Free Trading Finance business developed by Bungay International Inc. is known world-wide by the world famous and well-known mark:

• BUNGAY INTERNATIONAL TECHNOLOGY CONFORMITY OF ORGANIZATION AND INDIVIDUAL NETWORK: BITCOIN™; The World's First Utility Token™

The Non-Bank, Non-Institutional, Non-Syndicated, Non-Regulated or Regulatory Exempt, Free Trading Finance securities instrument in both electronic form (digital token) or non-electronic (paper) form, developed by Bungay International Inc. is known world-wide by the world famous and well-known mark:

• BUNGAY INTERNATIONAL TECHNOLOGY MORTGAGE™ BITMORTGAGE®

3.1.6 - In order to prevent "double lending" or as untrained (lay persons) call it: "double spending", a system and framework needed to be created to prevent risk and financial loss; this system is nothing more than a system generally and generically known as a Quality Management System. A Quality Management System has the following nature, quality, character, feature, form, purpose, function, utility or extent:

• * Rules-based

• * Transparent

• * Traceable

• * Verifiable

• * Recordable with record immutability

• * Factual with fact-non-repudiation

• * Incontestable

• * Measurable

• * Human Competency Level-based and Proficiency Level-oriented

• * Built by Consensus to Create Consensus

• not a complete list

The Quality Management System is known world-wide by the world famous and well-known mark:

• BUNGAY LOGIC AND ORDER CONFORMITY KERNEL; CYBER/NON-CYBER HARMONIZED ARTIFICIAL/NON-ARTIFICIAL INTELLIGENT NETWORK: BLOCKCHAIN™ trademark brand quality management system

3.1.7 - In order to show the world and my regulatory body RECA (Real Estate Council of Alberta) that the business operations conformed to the self-regulatory business model of RECA and was safe, reliable and good, by May 9, 2008, the total operations of MQCC® (which was incorporated in September 16, 2006), became registered to Canada's Federal Standard for Quality Management Systems, namely, ISO 9001:2000 for the scope of Mortgage Brokering.

3.1.8 - Over the past 14 years, MQCC® is safely and happily operating its business and serves as a leader, world-wide, helping lawyers, regulatory professionals and other parties discover the benefits of quality management.

3.1.9 - Over the past at least the past 14 years, MQCC® is continuously insured for professional liability insurance in the form of errors and omissions, by one or more insurance companies or Managing General Agent or insurance broker, regulated by either OSFI (Office of the Superintendent of Financial Institutions) and FSRA or BOTH OSFI and FSRA.

3.1.10 - Recently, a FSRA-regulated insurance company who has an existing "bought risk" policy with MQCC® --- and has known about MQCC® and its over 14 years of registration to ISO 9001:2015 safety and quality program, attempted to increase MQCC® insurance policy premium 200% more than what MQCC® had previously paid over the past 7 years (more or less) -- despite zero material change in the business sources and methods of MQCC® and a "Clear Record" of "NO Regulatory Complaints or Law Suits under the errors and omissions policy". This action by the FSRA-regulated insurance company actually or ostensibly did not conform to FSRA Regulatory Efficiency and Effectiveness policy "Key Deliverables" for Property and Casualty insurers within the FSRA mandate #5.1. Empower and protect P&C insurance consumers because by attempting to increase the MQCC® insurance policy premium by 200% , the FSRA-regulated insurance company actually or ostensibly failed to meet actual or proposed FSRA Key Deliverables, as follows:

• Rate regulation

• Protect consumers by ensuring [insurance] rates are reasonable, through improved use of benchmarks and developing additional tools for identifying unreasonable rates.

• defining Unfair or Deceptive Acts or Practices under the Insurance Act;

• Enhance market conduct oversight through improved coordination with RIBO, data analytics and insurer examinations, with an emphasis on the fair treatment of customers. This includes monitoring activities that pose significant harm to consumers (such as the circumvention of “take all comers” [insurance] requirements) and exploring opportunities to review existing conduct standards.

• Seek consistent application of Fair Treatment of Customers (FTC) guidance across Canada, in consultation with stakeholders and regulators.

• Expectations for enhanced accountability for insurers in rating and underwriting compliance.

• Opportunities to improve consumer awareness, by enhancing the transparency, quality and comprehensibility of disclosures to consumers by FSRA and the sector.

• Source: https://www.fsrao.ca/about-fsra/corporate-reporting/annual-business-plan-2021-2024/regulatory-efficiency-and-effectiveness#autoinsurance

3.1.11 - When MQCC® asked the FSRA-regulated insurer "why" the 200% increase in annual premium, the individual in the role of FSRA-regulated "Insurance Broker" said "I do not know since your account is over 5 years old and is considered "bought risk" which is a term representing a perceived standard of safety and trust between insurer and the insured.

3.1.12 - after further investigation, the individual in the role of FSRA-regulated "Insurance Broker" disclosed that the MQCC® insurance premium was increased by 200% because a "recently hired" (who had no prior history underwriting MQCC® for risk in its role as Canada's ONLY ISO 9001:2015 Registered Mortgage Brokerage) Insurance Risk Underwriter employed by the Managing General Agent of the FSRA-regulated insurance company stated that MQCC® is utilizing at least the word: "BLOCKCHAIN™" in its website and for this reason, the premium is increased to 200% of earlier premium.

3.1.13 - in response, I reminded the FSRA-regulated "Insurance Broker" that the term BLOCKCHAIN™ serves as nothing more than a proprietary trademark and source identifier for MQCC® quality management system which is registered to Canada's Federal National Standard, ISO 9001:2015, continuously since at least as May 9, 2008 and serves as an organization's risk prevention equivalent of a "FIRE ALARM" or "ROBBERY ALARM" for a house or car; and, just as with fire alarms or robbery alarms, the insurer should give MQCC® a financial discount for having a system of quality and safety. And --- to increase the premium of a stable customer with whom you have had a relationship for over 5 years and where the "risk is bought" appears to be neither fair nor reasonable. And that for the last 5 years, the term BLOCKCHAIN™ is "all over the MQCC® website; AND MQCC® has invited your insurance firm to collaborate to bring "BLOCKCHAIN™ brand quality management systems to other FSRA-regulated mortgage brokerage firms and Mortgage Administrators and lenders, for "years"; AND, the prior FSRA-regulated risk underwriter knew the benefits of the Federal National Standard of Quality Management Systems, ISO 9001:2015 and understood that the term BLOCKCHAIN™ served nothing more than a trademark source identifier, because premiums had never increased by 200% in the past five years.

3.1.14 - here is where there is potential risk to FSRA and the insurer and all FSRA-regulated insurance company province-wide:

• Then I asked the FSRA-regulated "Insurance Broker" the following questions:

  • does your FSRA-regulated Managing General Agent and Insurance Risk Managers have necessary and sufficient, correct and proper understanding of the nature, quality and character of Canada's Federal National Standard, namely, ISO 9001:2015 and how it is designed to REDUCE RISK of a REGULATED BUSINESS?

  • does your FSRA-regulated Managing General Agent and Insurance Risk Manager know that BLOCKCHAIN™ is proprietary trademark source identifier owned by MQCC® so it cannot be grounds for increase in a premium (since a trademark has zero inherent risk)

  • among other questions

• to-date (September 2022) the FSRA-regulated insurance agency has failed to respond.

3.1.15 - This episode between the FSRA-regulated insurance agent and MQCC® highlights the emergence of a potential problem that FSRA and its regulated errors and omissions insurance companies may need to deal with, as follows:

• In accordance with normal regulatory standards including advertising standards, one regulatee of FSRA cannot use the same trademarks or source identifiers as another FSRA regulatee.

  • In the case of MQCC®, terms like BLOCKCHAIN™, CRYPTO™ brand crypto, FNFT™, BITMORTGAGE®, BITCOIN™ serve as trademarks of MQCC® and conform to private standards and public standards, when "used-in-commerce". The problem is, if ONE FSRA-regulated insurance underwriter is unaware of this reality, then others FSRA-regulated insurance underwriters will be equally unaware of this reality, creating confusion in the mind of Ontario consumers and resulting in possible law suits.

• It may be prudent to notify FSRA-regulated Mortgage Brokerages, Brokers, Agents, Administrators, credit unions, lenders, financial advisors that are regulated by FSRA that they should avoid use the trademarks other FSRA regulatees in their day to day business affairs.

• Indeed, if a FSRA-regulated insurance company discovers that its insured mortgage broker or insured mortgage administrator or insured financial planner is trading in "BITCOIN™"; BITMORTGAGE®, CRYPTO™ brand crypto; or BLOCKCHAIN™ brand quality management systems, it would be prudent for the FSRA-regulated insurance company to ask the insured for "proof of licensure of MQCC® intellectual property with MQCC®" otherwise the FSRA-regulated insurance company may be exposing itself and its policy holders to undue risk caused by unauthorized use of MQCC® intellectual property.

• As the reality of MQCC® developments and innovations become more widely known by consumers in Ontario, I expect this type of misunderstanding between "what is a trademark" and "what is a generic good or service" to reduce but until then, misunderstandings of "what is BLOCKCHAIN™", "what is BITCOIN™" and what is "CRYPTDO™ brand crypto", will likely increase.

(4) If FSRA wishes to learn about the benefits of Quality Management in Finance, feel free to visit MQCC® website at www.mqcc.org and CQMFA™ Certified Quality Management-in-Finance Association at www.cqmfa.org.

(5) If you wish to learn more about MQCC® and its innovations, feel free to read the following websites and scientific, academic and textbooks:

• www.BlockChainForLawyers.com

• www.mqcc.org

• The 21st CENTURY SCIENTIFIC METHOD™: Triangle to Triangle Pyramid to Solid Square Pyramid: A Stronger Scientific Method by Correct and Proper Application of the Trademark "Principles of 'BlockChain'"™ ; [available only on both Amazon and GOOGLE PLAY]

• Origin of a Specie™: A Transparent, Incontestable, Encyclopedic History of the "Principles of 'BlockChain'"; Birth of Binary Digit Utility Tokens, Securities Tokens; International Standards Integration and the Discovery of Conformity Science. 2001:2019 and Onward' ; [available only on GOOGLE PLAY; the most important textbook]

• Learn "The Global Standard for BlockChain®" Level 01: for School Children, Chief Executive Officers (CEO) & Chief Fiduciary Officers (C-FIDO™); (BlockChain Means Pinky Promise!™) - Level 01 ; [the only textbook my mother has read; available only on both Amazon and GOOGLE PLAY]

• Legislator, Regulator & CEO Conformity Handbook: British Columbia (BC), Canada; [available only on both Amazon and GOOGLE PLAY]

• How the April 9, 2005 - World's First - Commercial Application of "Principles of 'BlockChain'" Was Influenced by Secretaries- & Directors-General of UNGA, OECD, WIPO & WTO Organizations from 2001-2005 [available only on both Amazon and GOOGLE PLAY]

• MQCC SAFER™ Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance: Be The Bank® Series "Private Lending” Program CANADA - INTERNATIONAL EDITION [available only on both Amazon and GOOGLE PLAY]

• Teaching Harvard & All Higher-Level, Accredited/Accredited Class®, Regulated, Vocational, Academic, Research, Development (HARVARD) Class Organizations World-Wide: True "Principles of 'BlockChain'"™ [available only on both Amazon and GOOGLE PLAY]

• Anoop Bungay, BlockChain, bitcoin, The UK, Royal Family, The Commonwealth, Current & Future World Leaders: Government, Commerce (Industry-Finance) & Academia; British Subjects, Citizens, Residents [available only on both Amazon and GOOGLE PLAY]

• Teaching Billionaire, Founder & CEO: Anoop Bungay { Warren Buffet, Jack Dorsey, Larry Ellison, Jimmy Pattison, Robert F. Smith, MQCC™ { Berkshire Hathaway, Twitter, Oracle, Jim Pattison Group, Vista Equity, [available only on both Amazon and GOOGLE PLAY]

• OSI 11™: Bungay Unification of Quantum Phases trademark BLOCKCHAIN™ Layer for Open Systems Interconnection of BlockChain™ System-Networks: 11 Layer DIP™: Distributed (Federated) Integrated Protocol [available only on both Amazon and GOOGLE PLAY]

• Teaching SEC™: SCIENTISTS, SECURITIES: Regulator-Policy Maker-Investigator-Lawyer; EXCHANGE, LAW ENFORCEMENT, EDUCATORS: Officers; CHIEF EXECUTIVES: Top Management-CEO of Regulatory & Regulated Bodies [available only on both Amazon and GOOGLE PLAY]

• An Invitation to the Secretary General (Chief Executive Officer (CEO)) of the United Nations in Matters of Non-Novel (Exact) Conformity Science & Trademark Originating “Principles of ‘BlockChain”™ [available only on both Amazon and GOOGLE PLAY]

• Teaching Dictionary™: A Risk Prevention Notice for Linguists, Lexicographers and Laypersons (You) in matters of Applied Non-Novel (exact) Conformity Science [available only on both Amazon and GOOGLE PLAY]

• This is not a complete list.

(6) If FSRA starts seeing consumer complaints or if FSRA-regulated insurance companies start seeing increased law suits from consumers who have lost $$$ because they are investing in non-MQCC® brand, non-standard (and therefore low quality and high risk or volatile) goods and services that are actually or ostensibly being passed off as one or more MQCC® trademarks, i.e.: "BITCOIN™", BLOCKCHAIN™", BITMORTGAGE™, CRYPTDO™ brand crypto; please feel free to let me know if I can help by providing expert witness support in your investigations or lawsuits. As a further courtesy notice to you; every lawyer or policy make trained as a lawyer employed or appointed by any FSRA-regulated organization or FSRA, should take the time to read www.blockchainforlawyers.com.

(7) In conclusion, congratulations to FSRA for developing a "Proposed Insurance Prudential Supervisory Framework" (guidance/IPSF).

Sincerely,

/a/

Anoop Bungay

--

HERE TO SERVE YOU: WORTHY-OF-YOUR-TRUST QUALITY™. If you have questions, please contact me at your convenience. In order to prevent errors and omissions, email is the preferred choice of communication.

Thank you for choosing MortgageQuote Canada Corp., 'Proud sponsor of the Canadian dream.'^®

Sincerely yours,

A. K. (Anoop) Bungay, B. Comm., C-PEM®-P

Broker

MortgageQuote Canada Corp. (mortgagequote.ca)

Financial services for whom time is worth more than money.™

Alberta (AB) * British Columbia (BC) * Ontario (ON)

ON Brokerage License #12279

communication-policy.mortgagequote.ca

www.mortgagequote.ca

"Proud Sponsor of the Canadian Dream"^®

A finance sector process of MQCC™ Meta Quality Conformity Control Organization™, incorporated in September 2006 as MortgageQuote Canada Corp.: the World's First BlockChain Company™; the World's Most Trusted BlockChain Company™: www.mqcc.org; and Global Network Administrator (GNA™) of the Bungay International Technology (BIT™) Conformity of Organization and Individuals Network (COIN™) Global System-Network: Managing The Metaverse™ www.metaversepedia.info™; established at least as early as April 9, 2005 at www.privatelender.org.

An ISO 9001:2015 Registered Company

PRIVILEGE AND CONFIDENTIALITY NOTICE

MortgageQuote Canada Corp. (mortgagequote.ca) is a member of the Meta Quality Conformity Control Organization MQCC™ network. MQCC™ (MQCC.org) is a global finance, conformity and education business providing client services worldwide directly or through its member firms and affiliates. This email may be confidential and protected by privilege on a legal basis. If you are not the intended recipient, disclosure, copying, distribution and use of the email matter including URL links and related attachments, are prohibited; please notify the sender immediately and delete this email and related attachments from your systems. Unsubscribe from Automatic MQCC Ai-CRM Emails). MQCC Legal Notices.

MQCC® - FSRA: Public Comment in respect to #2022-009: Proposed guidance on pension plan amendments; Suggestion to Broaden the Scope of the Guidance Consultation in Conformity to Ontario Taxpayer & Public Protection MandateCQMFA

Anoop Bungay <anoop.bungay@mortgagequote.ca>

10:48 AM (4 minutes ago)

to Contact, doug.fordco, Peter.Bethlenfalvy, tabunsp-qp, CFife-QP

Ms. Joanne De Laurentiis

Chair

Financial Services Regulatory Authority of Ontario

25 Sheppard Avenue West,

North York, ON

M2N 6S6

via public post at "FSRA request for comments" and CC to contactcentre@fsrao.ca

Ontario general public access: www.BlockchainForLawyers.org

RE: FSRA seeks public feedback on its Proposed Guidance that clarifies requirements for Pension Plan Amendments to protect plan members

Dear Joanne and Team Members at FSRA Ontario;

Please accept the following "comment" and, as a corollary, the "suggestion" which follows.

Sincerely,

/s/

Anoop Bungay

Founder, Chair, CEO & President

MQCC®

FSRA: #12279

(1) Public Comment:

• MQCC® wishes to commend FSRA in its effort to:

  • promote good administration of pension plans

  • protect and safeguard the pension benefits and rights of pension plan beneficiaries

• To use a MQCC® trademark slogan: "Keep on Going!™"

(2) Suggestion:

• In accordance with one or more requirements or expectations written in the Mandate Letter from the Ontario Minister of Finance, namely, Peter Bethlenfalvy (Mr.) to the Chair of Financial Services Regulatory Authority (FSRA) of Ontario, namely, Joanne De Laurentiis (Ms.), published at the FSRA website on Apr 26, 2022, in respect to FSRA's:

  • "...vital function regulating Ontario's non-securities financial services and pension sectors."; to,

  • "...foster strong, sustainable, competitive, and innovative financial services sectors and promote good administration of pension plans."; in order to,

  • "Protect the public interest...", for the benefit of,

  • "taxpayer and the people we serve.", specifically:

  • "...families, workers, and employers...."

and in further accordance to the FSRA Legislative Mandate noted at the FSRA About Us webpage:

• Regulate and generally supervise the regulated sectors

• Contribute to public confidence

• Monitor and evaluate developments and trends

• Promote public education and knowledge

• Promote transparency and disclosure of information

• Deter deceptive or fraudulent conduct, practices and activities

the below suggestion is in respect to "12+ years of innovation within the FSRA domain", will help you, in your role as Chair, to lead FSRA in advancing --- at the minimum --- the following FSRA Legislative Mandate functions:

• • Contribute to public confidence

    • via de jure, Canadian and International National (Federal) Standards-based processes like ISO 9001:2001 or later standards (see more below)

    • via de facto MQCC® Canadian Industry and Global Industry Standards™ that integrate with one or more de jure Canadian and International National (Federal) Standards-based processes like ISO 9001:2001 or later standards (see more below)

  • Monitor and evaluate developments and trends

    • there is no greater development or trend that affects Ontario taxpayers (families, workers, corporations) like the subject matter of this suggestion (see more below)

  • Promote public education and knowledge

    • via MQCC® primary source (ACCREDITED CLASS®) Originating Body of Knowledge OBOK™; integrated with standards that are trusted by Canadian government and public and private policy makers, world-wide

  • Promote transparency and disclosure of information

    • via responses to FSRA Public Comment, for example this comment today.

  • Deter deceptive or fraudulent conduct, practices and activities

    • via MQCC® public notice to regulators, regulatees and members of the general public; that there are distinctive qualities that distinguish standards-based, original, consumer-safe (OFFICIAL AUTHENTIC ORIGINAL™ OAO™) innovative financial goods and services operating within the domain of FSRA regulatory oversight, seperate and apart from non-standard's-based (counterfeit, fake, pirated) or non-conforming financial goods and services that are actually or ostensibly or functionally, passing off as "innovative" but fail to meet decades long (10+ years) of establish standards of quality, safety and commercial success -- and become available to the public under the guise of "experimental".

(2.1) MQCC® Suggests the following in respect to advancing the need for reducing risk (risk-based management) through "good administration" of pension plans by pension plan Administrators (Leadership including Top Management), including the need for "protection and safeguarding" beneficiaries and stakeholders [this suggestion is also applicable to other FSRA regulatory scopes or sectors, directly and indirectly including: Mortgage Brokers; Financial planners and advisors; Loan and trust companies; Credit unions and caisses populaires; Property and casualty insurance]:

(2.1.1) In an effort to maintain continual improvement for the benefit of the Ontario public; FSRA might seek to consider expanding its "guidance consultation" for the Top Management of regulated Pension organizations beyond the mundane regulatory processes of risk management (risk reduction or risk prevention or risk mitigation or risk-based corrective action) that are technical or administrative in nature, like the current "proposed Plan Amendments" procedures, to include a higher-level (meta) "principles-based approach" on how Ontario Pension plan Leadership (Top Management) are able to access primary source, authoritative, Canadian National (Federal) high-quality-standards-based (ACCREDITED CLASS®) learning, education, training (LET); testing, accreditation, registration (LETTAR™) and information BEFORE exposing their Pension Fund to clear and present "undue risk", when directly or indirectly investing their pension funds in financial goods and services (projects) that are "known as" or "borne from" the following generic terms or generic terminological phrases:

• "crypto" (fully, correctly and terminologically synonymous -- based on originated use-in-commerce --- as: Peer-to-Peer (P2P)/Private/Secret/Shadow) Finance)

• peer-to-peer electronic finance system (a superordinate financial system)

• peer-to-peer electronic cash system (a subordinate financial system)

(2.1.1.1) Why?

(2.1.1.1.1) Reasoning

• As a public regulatory body (versus a private regulatory body), FSRA seeks -- among other things --- to reduce risk to the Ontario public in matters of non-securities financial services and pension sectors. Over the recent years, it has become public knowledge that some Canadian pension funds have invested in "crypto" related "goods and services/projects" and this has resulted in exposure to non-trivial negative risk, including undue or unmitigated, public market driven volatility (beta) or negative loss of Pension Funds $. Indeed, any member of the general public may do a "google" search and see many results, for example:

  • On July 5, 2022, an internet blogger, David Gerard published: "Canadian Pension Funds are Losing Big at the Crypto Casino"

  • On July 21, 2022, Toronto (Ontario) CityNews published the following article: Crypto plunge is cautionary tale for public pension funds at toronto.citynews.ca

  • On June 13, 2022, The Globe and Mail published: How the crypto crash exposed the sector’s lies – and left retail investors in the lurch ; stating:

    • "But it all grew so feverish that major institutional investors started taking the bait, too. In October, the Ontario Teachers’ Pension Plan invested in ...."

• To prevent exposure to undue risk to consumers and beneficiaries, every regulator, elected official, appointed official, policy maker or Pension Fund Manager must be aware of an irony and coincidence of historic proportions:

  • Since at least as April 9, 2005 -- the concept system of "crypto" (and its superordinate, peer or subordinate concept systems: "free trading securities (a Canadian National Instrument term) or non-securities financial services (a FSRA term)", "specie", "token", "fungibility", "distributed ledger", "conformity", "quality management systems", "national standards", "digital transformation", "international standards", "public standards", "private standards", "de jure standards", "de facto standards", "originating standards", "decentralized commerce", "decentralized finance", "modernized finance and banking", "financial technology and other terms (not a complete list)) in its regulatory-integrated, commercial form, was first made available to a global audience of upto 6.512 Billion persons (2005 Earth Population) at PRIVATELENDER.org: Canada's Private Lending Network® at the Uniform Resource Locator: www.privatelender.org. This system is designed to keep trading in non-securities financial services between 2 parties (on a peer to peer basis) "private" or "secret". In the event that a non-securities financial services financial transaction between two (2) parties (peer to peer) occurs on an electronic, global computer network, transmissions and transactions may be protected from third-party disclosure through use of cryptography --- hence the generic term: "crypto" [within the finance sector, the complete term is actually: Non-Bank, Non-Institutional, Non-Syndicated, Non-Regulated or Regulatory Exempt, Free Trading Finance; terminologically known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance; Source: International Peer-to-Peer (P2P) & Private Finance Association IP2PFA™ (www.ip2pfa.org)]

  • PRIVATELENDER.org: Canada's Private Lending Network®, located at www.privateLender.org is managed by a FSRA regulatee, namely, MortgageQuote Canada Corp. (MQCC®); and MQCC® is regulated by a member of the Mortgage Brokers Regulator Council of Canada (MBRCC) since at least as early as April 9, 2005; including FSRA (and its predecessor) since at least as early as July 5, 2012.

  • Since at least as April 9, 2005, the backbones of PrivateLender.org is comprised of the following MQCC® SYSTEM-NETWORK SERVICE™ components:

    • A system-network of conformity: The world's first utility token: namely, BUNGAY INTERNATIONAL TECHNOLOGY CONFORMITY OF ORGANIZATION AND INDIVIDUAL NETWORK: BITCOIN™

    • A system-network of manufacturing free trading securities: The world's first securities token: namely, BUNGAY INTERNATIONAL TECHNOLOGY MORTGAGE™: BITMORTGAGE®

    • A system-network of Canadian National (Federal) de jure Standards-integrated (and international equivalent in 118+ countries) quality management system, namely: BUNGAY LOGIC AND ORDER CONFORMITY KERNEL; CYBER/NON-CYBER HARMONIZED ARTIFICIAL/NON-ARTIFICIAL INTELLIGENT NETWORK: BLOCKCHAIN™

• The science that underpins "crypto" and related concept systems is known as non-novel (exact) conformity science; visit www.conformity.org to learn more.

  • Conformity science is designed to reduce risk and for over 20 years, MQCC® and Bungay International Inc. have proven to Ontarians, Canadians and the global community , time and again, at a commercialized and regulatory-integrated standard, that the FSRA-regulated business of MQCC® "works", is "consumer and industry safe" and "regulatory safe".

  • one or more component and end-to-end processes of conformity science are known collectively by the source identifier trademark, PRINCIPLES OF BLOCKCHAIN™, including:

    • traceability

    • verifiability

    • immutability

    • nonrepudiation

    • accountability

    • competency

    • proficiency

    • consensus

    • standards

    • quality management

    • not a complete list

• At least as early as May 9, 2008, the MQCC® end-to-end organization processes were registered to the Canadian National Standard ISO 9001:2000 and subsequent standards.

• For the past 14 years, MQCC® creates digital and non-digital free trading or non-securities financial services within the same environment of quality that the Bank of Canada uses to manufacture currency. [this may be why the world ---albeit erroneously --- uses the unitary term: 'cryptocurrency' in some circles. This is wrong and is causing consumers (Ontarians and non-Ontarians (Canada and International)) a high degree of confusion. You can learn more on this subject at edu.mqcc.org or www.mqcc.org] Visit www.CQMFA.org Certified Quality Management In Finance Association, to learn more.

• For over 21 years, MQCC® and Bungay International Inc. have proven to the world that "crypto" is a risk management system; it is safe, reliable, good and better, safer and more efficient than anything the world of finance had ever known, prior.

• MQCC® is continuously insured by one or more Office of the Superintendent of Financial Institutions OSFI-regulated or FSCO/FRSRA regulated Insurance Company or RIBO Registered Insurance Brokers of Ontario organizations, for Errors and Omissions liability for over 12 years; here is a list (some companies might not appear since they might have merged or changed names);

  • FSRA Approved Errors and Omissions Insurance Providers (2020/10/22)

    • https://www.fsrao.ca/licensing/mortgage-brokerage/about-mortgage-brokerage-and-mortgage-administrator-licences/fsra-approved-errors-and-omissions-insurance-providers

(OSFI - (Office of the Superintendent of Financial Institutions) Regulated) or (FSRA - (Financial Services Regulatory Authority of Ontario) Regulated) or (RIBO - (Registered Insurance Brokers of Ontario) Regulated)

Insurer

Insurance Broker

AIG Insurance Company of Canada

Various Brokers

Victor Insurance Managers Inc. (formerly Encon Group Inc.)

PROLINK Insurance Inc.

Intact Insurance Company, Western Division

IDRIS Insurance Brokers Ltd.

International Insurance Company of Hannover SE through A.M. Fredericks Underwriting Management Ltd.

Various Brokers

Lloyd’s Underwriters

RDA Inc.

Lloyd’s Underwriters

Holman Insurance Brokers Ltd.

Lloyd’s Underwriters per Caitlin Canada Inc.

Various Brokers

Lloyd’s Underwriters through Special Risk Insurance Managers Ltd.

InsureLine

Lloyd’s Underwriters through Evolution Insurance Inc.

Various

Lloyd’s Underwriters as arranged by Trinity Underwriting Managers

Various Brokers

Royal & Sun Alliance Insurance Company of Canada (for existing clients only)

Jones Brown Inc.

Sovereign General Insurance Company through Premier Canada Assurance Managers Ltd.

Various Brokers

XL Specialty Insurance Company - Canadian Branch

Various Brokers

• Regulated Financial Advisors in Ontario and Non-regulated Financial Advisors in Ontario and other jurisdictions must be made aware that yor over 15 years, since at least as early as April 9, 2005 and earlier, "correct and proper" 'crypto' financial instruments conform to Canada Revenue Agency CRA investment programs eligibility including some or all of the following:

  • RRSP - Registered Retirement Savings Plan

  • TFSA - Tax Free Savings Account

  • RRIF / SPOUSAL RRIF / PRESCRIBED RRIF Registered Retirement Income Fund

  • FAMILY / INDIVIDUAL RESP - Registered Educational Savings Plan

  • LIRA / LRSP / RLSP & LIF / NEW LIF / RLIF - Locked-In Retirement Account and Locked-In Income Fund

• Correct, proper, originating "crypto" [Non-Bank, Non-Institutional, Non-Syndicated, Non-Regulated or Regulatory Exempt, Free Trading Finance; also known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance] and related goods and services inherently and organization's REDUCE CARBON FOOTPRINT

• Correct, proper, originating [Non-Bank, Non-Institutional, Non-Syndicated, Non-Regulated or Regulatory Exempt, Free Trading Finance; also known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance] "crypto" is not regulated by or subject to:

  • a member of the Canadian Securities Administrators

  • FINTRAC: Financial Transactions and Reports Analysis Centre of Canada

  • OECD: Organization for Economic Co-operation and Development; CRS Common Reporting Standards

  • not a complete list

• Ask any other "crypto" company CEO if they have the same results. The answer is "no" because what the "world" thinks is "crypto" (including CRA, Canada Revenue Agency) is, regrettably, false or misleading. Crypto is, among other things, part of a larger risk management utility function that is designed to keep financial transactions on a peer to peer basis (person-to-person; organization-to-organization), safe, and high quality in nature, character, feature, form, function, purpose, extent or utility; and FSRA and those who place their trust in FSRA, namely, the Ontario taxpayer and general public, should know this reality.

(2.1.1.1.2) Implications:

• To prevent the future possibility of negative risk to Pension Fund Managers (and other FSRA regulated entities) including exposure to financial risk or intellectual property claims; it would be prudent for a Pension Fund Manager to take the time to discover MQCC® before directly or indirectly

  • [indirect investing means:

    • • investing in Federally Regulated Financial Institutions, ie: Banks

    • investing in non-Federally Regulated Financial Institutions, ie: Credit Unions

    • investing in publicly trading companies

    • investing in non-publicly trading companies]

  • related to "crypto" or related to the trademark source identifiers of various genus and specie of goods and services owned by MQCC® including:

    • BLOCKCHAIN FOR LAWYERS™

    • CRYPTO FOR LAWYERS™

    • METAVERSE FOR LAWYERS™

    • BLOCKCHAIN FOR POLICY MAKERS™

    • CRYPTO FOR POLICY MAKERS™

    • CRYPTO, BITCOIN, BLOCKCHAIN AND METAVERSE FOR ELECTED OFFICIALS AND REGULATORY BODIES; REGULATORY PROFESSIONALS™

    • BUNGAY INTERNATIONAL TECHNOLOGY CONFORMITY OF ORGANIZATION AND INDIVIDUAL NETWORK: BITCOIN™; The World's First Utility Token™

    • BITMORTGAGE®; The World's First Securities Token™

    • PROFESSIONAL BITCOINEER (P. BTCR.)®

    • PROFESSIONAL BLOCKCHAINEER (P. BCR.)®

    • FATHER OF BLOCKCHAIN®

    • FATHER OF CRYPTO®

    • FATHER OF METAVERSE™

    • THE GLOBAL STANDARD FOR CRYPTO®

    • THE GLOBAL STANDARD FOR BLOCKCHAIN®

    • PRINCIPLES OF BLOCKCHAIN™

    • BITCOINPEDIA™

    • BLOCKCHAINPEDIA®

    • BUNGAY LOGIC AND ORDER CONFORMITY KERNEL; CYBER/NON-CYBER HARMONIZED ARTIFICIAL/NON-ARTIFICIAL INTELLIGENT NETWORK: BLOCKCHAIN™ trademark brand quality management system

    • OFFICIAL AUTHENTIC ORIGINAL OAO™

    • WORLD BLOCKCHAIN DAY®

    • WORLD CRYPTO DAY®

    • FATHER OF FINTECH™

    • FATHER OF CONFORMTYTECH™

    • FATHER OF DEFI™

    • BLOCKCHAIN HALL OF FAME®

    • ACCREDITED CLASS®

    • FATHER OF FREE TRADING SECURITIES™

    • fnot a complete list.

• MQCC® is recognized world-wide for its leadership in establishing regulatory-integrated, consumer-safe, innovative goods and services which conform to exacting standards, developed by over 20 years of observation, discovery, development, commercialization, National and International Standards-integration and continual improvement. MQCC® is also recognized for "primarily making financial innovation safe, reliable, good; better, safer and more efficient rather than primarily making money" and building upon the hype of uninformed CEO's, ill-informed mainstreet investors and untrained promoters.

• This risk prevention message would go beyond the scope of Pension Fund Managers and would also benefit other FSRA regulated sectors or industry groups including:

  • regulated or non-regulated Ontario or other jurisdiction financial planners

  • regulated or non-regulated Ontario or other jurisdiction financial advisors

  • regulated or non-regulated Ontario or other jurisdiction retirement planners

  • loan and mortgage companies

  • not a complete list

(2.1.2) Despite the fact that it takes 4 years for a Bachelor-level degree in conformity science; another 2+ years for a Masters-level degree; another 2+ years for a PhD. level of degree. As courtesy, you are welcome to study on your own; here are some academic, scientific and technical textbook references:

• The 21st CENTURY SCIENTIFIC METHOD™: Triangle to Triangle Pyramid to Solid Square Pyramid: A Stronger Scientific Method by Correct and Proper Application of the Trademark "Principles of 'BlockChain'"™ ; [available only on both Amazon and GOOGLE PLAY]

• Origin of a Specie™: A Transparent, Incontestable, Encyclopedic History of the "Principles of 'BlockChain'"; Birth of Binary Digit Utility Tokens, Securities Tokens; International Standards Integration and the Discovery of Conformity Science. 2001:2019 and Onward' ; [available only on GOOGLE PLAY; the most important textbook]

• Learn "The Global Standard for BlockChain®" Level 01: for School Children, Chief Executive Officers (CEO) & Chief Fiduciary Officers (C-FIDO™); (BlockChain Means Pinky Promise!™) - Level 01 ; [the only textbook my mother has read; available only on both Amazon and GOOGLE PLAY]

• Legislator, Regulator & CEO Conformity Handbook: British Columbia (BC), Canada; [available only on both Amazon and GOOGLE PLAY]

• How the April 9, 2005 - World's First - Commercial Application of "Principles of 'BlockChain'" Was Influenced by Secretaries- & Directors-General of UNGA, OECD, WIPO & WTO Organizations from 2001-2005 [available only on both Amazon and GOOGLE PLAY]

• MQCC SAFER™ Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance: Be The Bank® Series "Private Lending” Program CANADA - INTERNATIONAL EDITION [available only on both Amazon and GOOGLE PLAY]

• Teaching Harvard & All Higher-Level, Accredited/Accredited Class®, Regulated, Vocational, Academic, Research, Development (HARVARD) Class Organizations World-Wide: True "Principles of 'BlockChain'"™ [available only on both Amazon and GOOGLE PLAY]

• Anoop Bungay, BlockChain, bitcoin, The UK, Royal Family, The Commonwealth, Current & Future World Leaders: Government, Commerce (Industry-Finance) & Academia; British Subjects, Citizens, Residents [available only on both Amazon and GOOGLE PLAY]

• Teaching Billionaire, Founder & CEO: Anoop Bungay { Warren Buffet, Jack Dorsey, Larry Ellison, Jimmy Pattison, Robert F. Smith, MQCC™ { Berkshire Hathaway, Twitter, Oracle, Jim Pattison Group, Vista Equity, [available only on both Amazon and GOOGLE PLAY]

• OSI 11™: Bungay Unification of Quantum Phases trademark BLOCKCHAIN™ Layer for Open Systems Interconnection of BlockChain™ System-Networks: 11 Layer DIP™: Distributed (Federated) Integrated Protocol [available only on both Amazon and GOOGLE PLAY]

• Teaching SEC™: SCIENTISTS, SECURITIES: Regulator-Policy Maker-Investigator-Lawyer; EXCHANGE, LAW ENFORCEMENT, EDUCATORS: Officers; CHIEF EXECUTIVES: Top Management-CEO of Regulatory & Regulated Bodies [available only on both Amazon and GOOGLE PLAY]

• An Invitation to the Secretary General (Chief Executive Officer (CEO)) of the United Nations in Matters of Non-Novel (Exact) Conformity Science & Trademark Originating “Principles of ‘BlockChain”™ [available only on both Amazon and GOOGLE PLAY]

• Teaching Dictionary™: A Risk Prevention Notice for Linguists, Lexicographers and Laypersons (You) in matters of Applied Non-Novel (exact) Conformity Science [available only on both Amazon and GOOGLE PLAY]

• This is not a complete list.

(2.1.3) Similar messages with varying degrees of content, over the course of up to 15 or more years, to Top Management, have been sent, either on a peer-to-peer basis (direct) or non-peer-to-peer basis (indirect), to:

• International Conference of Legal Regulators (ICLR);

• American Bar Association (ABA);

• Federation of Law Societies of Canada (FLSC); (see www.BlockChainforLawyers.org to read the letters)

• current or former Canadian elected or appointed officials, or heads of organizations or senior members of organizations including provincial regulatory bodies in various industries; Canadian federal government ministries or agencies including Federal law enforcement, including:

  • Minister of Finance (Federal)

  • Ministry of Finance (Federal)

  • Treasury Board Secretariat of Canada

  • Competition Bureau of Canada

  • Top Management in the Alberta Government

  • Real Estate Council of Alberta RECA

  • BC (British Columbia) Ministry of Finance; Deputy Premier of BC

  • Financial Services Regulatory Authority of Ontario FSRA (formerly FSCO)

  • BC Financial Services Agency BCFSA (formerly FICOM)

  • Ontario Securities Commission OSC

  • including practicing or non-practicing lawyers (licensed legal professionals) in various and sundry roles from policy making to investigation to enforcement

  • International Science Council

  • Chief Science Officer of Canada

  • Bank of Canada (1 or Senior Managers and 1 or more Past Governors)

  • Various and sundry journalists including Bloomberg; National Post of Canada; FOX Business; visit: ijcs.mqcc.org)

  • Heads (past and current) for various G20 and G7 Central Banks

  • TMX Group

  • this is an incomplete list; visit www.DisclosureOfBlockChain.com or www.mqcc.org to learn more

• International bodies and other international organizations

  • United Nations

  • United States current and former Presidents

  • United States Congressional Committee Chairs

  • United States Securities and Exchange Commission SEC®

  • Financial Regulatory Authority FINRA USA

  • Bank of England, both Current and Past Governors

  • this is an incomplete list visit www.DisclosureOfBlockChain.com or www.mqcc.org to learn more

Thank you Joanne, for allowing me to share my comments and suggestions with you and FSRA on the matter of #2022-009: Proposed guidance on pension plan amendments.

PS: In your 2019 Globe and Mail Opinion entitled: Modernizing the regulation of financial advice; you are correct:

Your comments:

• "the time is ripe for a merger."

• "The duplicative SRO regime only adds confusion to an already complex regulatory system."

My comments:

• Simply look at the MQCC® Disclosure History; look at all of the duplicate emails to Alberta, BC, Ontario, Federal Canada Departments, Ministries, Agencies, Crown Corporations.

• Imagine how many Millions of Canadians would have saved their retirement money by NOT investing in non-conforming, non-standard (fake, counterfeit, pirated) "crypto" that is borne of non-orginal, non-primary source knowledge, methods and sources of MQCC®; for example - here are some google search headlines for "Ontarian loses crypto"

  • Ontario couple lost more than $370K in crypto scam: police

  • Ontario man loses $106,000 in cryptocurrency scam - YouTube

  • [Ontario] Victim loses $7000 in crypto currency fraud scam

• Implication:

  • Ontarians need to know that the correct and proper nature, quality, character, feature, form, purpose, utility, extent, history of what they think "Crypto" (and related concept systems) is NOT what they are being told; by untrained and unqualified persons, including CEO's and other regulatees of FSRA, OSFI and other regulatory bodies.

  • Especially those persons who have been exposed to the non-conforming, non-standard or fake, counterfeit, pirated or generic, "bitcoin"; which is nothing more than a self-executing financial viral algorithm designed to prey on the inherent weakness of humans ("fear of missing out" or "fomo") and use the guise of "experimental finance" as the basis or guise (intentionally or unintentionally) to take $ from one person and place the $ into the hands of another person, without utility or function. [While I understand you - Joanne -- have a history in the Payments Industry, the idea that non-conforming, non-standard or fake, counterfeit, pirated or generic, "bitcoin" can be used as a "store of value" or an efficient "payment transfer" among other things, is patently and provably and demonstrably, false; after all, MQCC® (Bungay International) is, afterall, as the creator of OFFICIAL AUTHENTIC ORIGINAL™ OAO™ BITCOIN™ brand of utility token, so if anyone knows, to use a trademark term: "WHAT BITCOIN IS; WHAT BITCOIN DOES™", it is yours sincerely. Visit www.BITCOIN.eco (www.bitcoineco.com) to learn.]

  • The good news is that MQCC® created the "UPGRADE ALGORITHM™" brand of quality management business process to negate some or all of the negative effects of non-conforming, non-standard or fake, counterfeit, pirated or generic, "bitcoin".

DISCLAIMER: This email is not legal advice, nor conformity advice, nor "advice-of-any-kind"; this email is merely a comment and suggestion to FSRA; including fair and reasonable, necessary disclosure of certain scientific and historic facts that must be made known to the people of Ontario who entrust regulatory organizations like FSRA.

CC:

• Hon. Doug Ford; Premier, Leader, Progressive Conservative Party of Ontario Leader, Progressive Conservative Party of Ontario Minister of Intergovernmental Affairs (doug.fordco@pc.ola.org)

• Hon. Peter Bethlenfalvy; Minister of Finance (Peter.Bethlenfalvy@pc.ola.org)

• Peter Tabuns; Leader, Official Opposition, Critic, Intergovernmental Affairs Critic, Energy and the Climate Crisis, Leader, New Democratic Party of Ontario (tabunsp-qp@ndp.on.ca)

• Catherine Fife; Critic, Treasury Board, Critic, FinanceMember, Standing Committee on Finance and Economic Affairs (CFife-QP@ndp.on.ca)

--

HERE TO SERVE YOU: WORTHY-OF-YOUR-TRUST QUALITY™. If you have questions, please contact me at your convenience. In order to prevent errors and omissions, email is the preferred choice of communication.

Thank you for choosing MortgageQuote Canada Corp., 'Proud sponsor of the Canadian dream.'^®

Sincerely yours,

A. K. (Anoop) Bungay, B. Comm., C-PEM®-P

Broker

MortgageQuote Canada Corp. (mortgagequote.ca)

Financial services for whom time is worth more than money.™

Alberta (AB) * British Columbia (BC) * Ontario (ON)

ON Brokerage License #12279

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www.mortgagequote.ca

"Proud Sponsor of the Canadian Dream"^®

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