Subject: File No. SR-NYSEArca-2021-90
From: Omid Jafari
Affiliation: Physician

February 18, 2022

Hi,

I have a retirement account that I save judicially every year for. I buy sp500 index fund and GBTC. That is my only access to bitcoin directly in my retirement account. The fees however are high for GBTC and I would like an ETF with lower fee structure.

I know you say you are protecting the individual investor and I am that person But every other major economy has a bitcoin ETF except for China which banned it. I do not think we are like China.

I want a better product for bitcoin access and GBTC is the most likely to convert to an ETF given their experience.

Thank you