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Mr. H. F. Un was born in Penang, Straits Settlements in 1881. He received a primary education by private tuition and his elementary education in the Penang Free School. He began his banking career with British banks in the year 1897 and for several years was given the opportunity of handling and studying every kind of banking business. At one time he was also engaged in mercantile business for several years. Due to his wide experience in banking and commerce be was invited to join the Bank of Canton Ltd. in Hongkong in 1918 as an officer of the foreign department, in which capacity he served until his appointment as agent of the bank in New York in 1922; when its New York agency was established. Mr. Un takes a keen interest in sports, chiefly in tennis, cricket and