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Mr. Howard S. Moy is a native of Kwangtung Province. He went to America in 1898 and received most of his education there. He traveled in Europe in 1906 with Kang Yu-wei and then returned to China where he acted as English secretary for the Jun Wah Mining Company of Kwangsi Province. After his return to America he and his father became interested in a chain of restaurants and cafes in Chicago and are now proprietors of several enterprises of this kind, the chief one being the King Joy Lo of Chicago, which was established fifteen years ago largely through the efforts of Mr. Kang Yu-wei. It is in banking, however, that Mr. Moy has become identified with the larger business interests of the Chicago district. He is assistant manager of the foreign department of the Great Lakes Trust Company of Chicago, an institution which was organized in 1919. This was the first bank to be organized in America that catered to Chinese