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Mr. T. H. Mai was born in Canton in 1895. From 1902 to 1908, he studied at home, and then entered the Kwangtung school, Peking, for two years. The following year, he studied at the preparatory school of the College of Finance, Peking, and then studied at Tsing Hua College from 1911 to 1917. Going to the United States, he received an A. B. degree from Beloit College, Wisconsin, in 1919, and was a graduate student at Columbia University during 1919-20. After several months experience in the Harriman National Bank in New York, he returned to China in 1921, and shortly secured a position as assistant manager of the Hankow branch of the Industrial and Commercial Bank. He was soon transferred to Hong-kong in a similar capacity and rose to manager of the Hongkong branch in 1922, at the same time occupying the assistant managership of the Fu Tien Bank. In 1923, he was promoted to the assistant general managership of the Industrial and Commercial Bank.