Dear HKANC Directors, Members and Friends, First of all, I want to thank you for this opportunity to serve as chair of the HKANC Board. It reminded me of the first HKANC event that I joined when I was only a student member back in 2003. I think we can be proud of how Hong Kong Association and its members, in particular, have come together to support each other and our communities during these years. It has been a challenging year for many of us. In 2020, HKANC has made some positive impacts. We had an extraordinary Annual Gala on February 29, 2020, which promoted Hong Kong cultures and spirits to our guests. After the shelter-in-place took effect in late March, we switched all in-person networking events to virtual events. We have organized over ten webinars and two virtual mixers. We utilized different social media platforms so that the general public can easily access our online resources anywhere. One of our events was to promote Hong Kong businesses to Northern America. I would not say these events are perfect, however, we are all learning something new every day. More importantly, adding more value to our community members. In 2021, HKANC will continue to serve as a platform to help our members come together, I strongly believe we can make a stronger connection with each other. We will create more webinars to help businesses recover from the pandemic. Also, providing more networking events within our association and other chapters in the US and Hong Kong. If the situation allows, we will have the annual fundraising gala, golf tournament, and in-person events back as well. As for the HKANC Scholarship Foundation, even though we couldn't organize the golf fundraising event, we will not stop giving out the scholarship. We will continue to do more. In 2021, we will reform the scholarship to meet more students' financial needs with our knowledgeable foundation Committee's help. It is never too late to donate to our foundation at any time. Looking ahead, I would like to offer my sincere thanks to all of our members for your support throughout this particularly challenging year. Your support to the Hong Kong Association community is crucial. By working together, we can share knowledge and resources. For the time being, please follow our social media, newsletters regarding our upcoming events. In these very unusual times, I have not had the opportunity to meet with many fellow members in person. But I hope this will change very soon, and I look forward to seeing many of you in person as we embark on the road to recovery in 2021. I wish you and your family a wonderful new year ahead. Best Regards, Kory Lam Chairwoman Hong Kong Association of Northern California

Dear HKANC Directors, Members and Friends, As my term comes to an end, I hope this year end message finds you and your loved ones all in good health. 2020 has been a very tumultuous year as every aspect of our lives has been impacted by the COVID-19 pandemic. HKANC was no exception as the pandemic has also brought many challenges and changes to how we operate. This past March, HKANC moved to an entirely virtual set up so that we could continue our networking events without interruption. Since the start of COVID-19 restrictions, we have hosted 10+ webinars - serving many hundreds of participants throughout California. Virtual events have been working successfully for the past nine months and will likely continue well into 2021. Although we miss the opportunity to see our friends and members in person, we will continue our virtual networking events as long as it is necessary. Despite the turmoil, we’re very thankful to be able to host our annual gala at Ritz Carlton San Francisco on Feb 29. 2021 will likely be another year full of challenges but also opportunities to grow and learn. Our sincerest hopes are that as the vaccines become more readily available and more people get vaccinated, life will start returning to normal. It is more important than ever to continue our work delivering service to our community. Last but not least, I am once again thankful for the strength, intelligence, and willingness of our Board to do whatever is necessary to keep our association running. It’s been my great pleasure to work with this group for the last three years, and I look forward to the day when we can once again gather in person. I wish you all a joyous holiday season and a prosperous New Year. Best Regards, Wilson Lau Chairman Hong Kong Association of Northern California

This Member Spotlight offers an opportunity for members to share their institutions' insights and best practices with other members, highlighting how they are making a difference in the community and how they have benefited from the HKANC membership. This week, we are delighted to have Kory Lam, newly elected chairwoman of HKANC to share her profession with us. Learn more about Kory and how she became involved with the association below. Introduce yourself to our members. Tell us who you are. My name is Kory Lam, Cluster Branch Manager in San Francisco. My responsibilities include managing resources and staff, developing and attaining sale goals, delivering exceptional customer service, provide coaching to my team and helping them develop their skills. I began my career with HSBC in 2005 and held various positions throughout my career with HSBC Bank. Upon finishing the secondary school in Hong Kong, I continued my educational training in the United States. I graduated with a B.S. Degree from San Francisco State University, followed by a M.S. Degree from Golden Gate University and hold Series 6, 63 and health/ life Insurance licenses. Currently, I’m pursuing the Master Certificate of Behavioral Industrial Psychology from Golden Gate University. I serve as the chair on the Hong Kong Association of Northern California, Board of Director of APA Family Support Service and Co-Chair of N.CA APIC within HSBC. What does HSBC do? HSBC is one of the largest banking and financial services organizations in the world, with operations in 64 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfill their hopes and realize their ambitions. Why are you interested in joining HKANC? I joined HKANC back in 2003 as student member. Hong Kong and San Francisco are my homes. I always want to do something good in both cities. I was inspired by all the board of directors who have the passion to fostering closer economic, cultural and academic ties between Hong Kong and Northern California. I really want to be part of it. In addition, I have a great opportunity in HKANC to expend my network, create more new business opportunities and have positive impact in my career. What do you want to say to our members? 2020 is a very challenging year for all of us. However, we must get ready towards recovery to ensure that 2021 is a year of growth and prosperity. Please come and join HKANC and start taking advantage of even more great membership benefits and opportunities to grow your businesses and expand your network. I want to invite you to join this awesome journey with us. Interested to connect with Kory? Contact her below. Kory Lam VP & Cluster Branch Manager HSBC BANK (USA), N.A.

On December 17, HKANC hosted its second virtual mixer jointly organized with Hong Kong Economic and Trade Office, Hong Kong Trade Development Council, Greater China Business Hong Kong Association of Washington, Hong Kong Association of Southern California, and Hong Kong Business Association of Nevada, Watch our event highlights at: http://bit.ly/wcmixerhighlights. We were honored to have the presence of many notable guest speakers, including, Ms. Jacko Tsang – Director of Hong Kong Economic and Trade Office, San Francisco Mr. Ralph Chow – Regional Director (Americas) of the Hong Kong Trade Development Council and association heads from different Hong Kong Association chapters, Ms. Fion Chong – President, Hong Kong Business Association of Nevada Mr. Timothy Lee – President, Greater China Hong Kong Business Association of Washington Mr. Wilson Lau – Chairman, Hong Kong Association of Northern California Mr. Wilson Tang – President, Hong Kong Association of Southern California Mr. Henry Yu – President of the National US-Hong Kong Business Associations During the business spotlight session, the below guest speakers have shared how they navigate business and discover opportunities in the pandemic. Mr. Preston Antonini – VP General Manager of Bloomingdale's South Coast Plaza Mr. Benjamin Lee – Chairman of the Greater China Hong Kong Business Association of Washington Mr. Michael Quackenbush – CPA, Partner of Miller Kaplan & Arase Mr. Patrick Chun – Co-founder, IITTI World Civility Index Mr. Tom Shu – Shu Business Consulting Services We were also thankful to our gift sponsor Hong Kong Association of Northern California, for sponsoring eight crystal mouses and Nile Wines for sponsoring two bottles of red wines (Sinegal Estate Pinot Noir, Sonoma Coast, USA, 2017) for the lucky draw session. 2020 is a year full of unexpected changes. Without geographical barriers, we are glad to have connected members and friends from all across the states through many virtual events. We look forward to meeting you again at our events in the future. Happy Holidays! Have a healthy & prosperous new year!

Annual General Meeting and Directors Election (2021 - 2023) were concluded successfully on Dec 16, 2020. This year, we had over 35 members & Directors to join the virtual meeting. In the 2021—2023 board election, we had FOUR (4) nominees to fill the Board vacancies, and the members could vote for up to FOUR (4) nominees. Corporate Members were entitled to ONE (1) vote each regardless of the number of representatives attending. Each attendee had the opportunity to view our board candidates' bios and meet the board members. FOUR (4) Directors were elected to run for their 2nd three years term: Oliver Ko, Managing Partner, Fong, Ko & Associates, LLP, CPAs Brian Rowbotham, Tax Partner, Crowe LLP The following New Director were elected: Yvonne Go, Director, Orient Bancorporation Ken Ung, Partner and Founder, Xteam Design and Construction The following New Board Officers were announced: Chairwoman, Kory Lam, VP & Cluster Branch Manager, HSBC BANK (USA), N.A. Vice-Chairwoman, Angela Cheung, Founder & President, Pillar Capital Group Treasurer, Oliver Ko, Managing Partner, Fong, Ko & Associates, LLP, CPAs Secretary, Cynthia Chow, Regional Vice President, KSSF Enterprises Ltd Followed by HKANC Chairman, Mr. Wilson Lau announced his retirement of the Board Chair. The newly elected Chairwoman for 2021 - 2023, Ms. Kory Lam shared her goal and vision with our members in the coming years. She mentioned the following areas, Connect virtually, connect to the world In 2021, we will create more webinars to help businesses return to economic growth, also networking events within HKANC and collaborate with other associations within the U.S. and in Hong Kong. It has been a tough year for everyone. In 2021, she wants to use HKANC as a platform to help our members come together quickly to recover in this current economy and make a stronger connection with each other. Also, expanding our network to the West Coast and even to the other HKA in the world to create more business opportunities. Return businesses to normal Kory also offered her sincere thanks to all of our members for their support throughout this challenging year. This support and cooperation among members of the Hong Kong Association community will be essential as we can help one another adjust to the post-pandemic environment. By working together, we can share knowledge and resources. We sincerely thank you for our member's participation, for taking the time to reconnect with the association. Special thanks to United Airlines, our long-term supportive corporate member that sponsored flight tickets for the lucky draw. We look forward to more successful events and seeing members and friends in 2021.

This week, HKANC has hosted its 10th webinar titled: From Hong Kong With Love. With the support and connections from our event partners: Hong Kong Economic and Trade Office, Hong Kong Trade Development Council, China SF & Global SF, Greater China Business Hong Kong Association of Washington, Hong Kong Association of Atlanta, Hong Kong Association of Northern Texas, Hong Kong Association of Southern California, Hong Kong Business Association of Hawaii and Hong Kong Business Association of Nevada, we are able to introduce the top talent and promote the local brands from Hong Kong to many friends and members in United States. The webinar began with several Hong Kong updates from our guest speakers. Ms. Jacko Tsang, Director of the Hong Kong Economic and Trade Office, welcomed our audiences and shared updates on the latest Covid-19 situation and reopening measures in Hong Kong. It was followed by Mr. Ralph Chow, Regional Director (Americas) of the Hong Kong Trade Development Council's updates on Hong Kong Economy and upcoming HKTDC programs. During the panelist session, Panelists including Daniel Chan, Quinn Lai and Alviss Ngan talks through key changes of navigating the business in new normal. Watch this webinar to learn more about: - The value and positioning of Hong Kong brands. - Insights and best practices on navigating businesses in the New Normal. - Brand rejuvenation strategies: How to strengthen and add value to your brand. - Global branding and digital marketing strategies: How to utilize internet and online based digital technologies to promote products and services. Panel Discussion - Daniel Chan & Koon Chun Sauce Factory Panel Discussion - Quinn Lai & EONIQ Panel Discussion - Alviss & Hong Kong Movie Industry For full webinar recordings, please click here. We hope our members and friends find this webinar useful. You are more than welcome to connect with our speakers, see their contact information below,

This Member Spotlight offers an opportunity for members to share their institutions' insights and best practices with other members, highlighting how they are making a difference in the community and how they have benefited from the HKANC membership. This week, we are delighted to have Cynthia Chow, Board Director to share her profession with us. Learn more about Cynthia and how she became involved with the association below. Introduce yourself to our members. Tell us who you are. I was born in Hong Kong and pursued her education in US with a B.A. in Travel Industry Management from the University of Hawaii. I am the Regional Vice President for Keck Seng Group North America, based in San Francisco Corporate Office. My primary focus is on the asset management and business development for the West Region portfolio. Prior to joining Keck Seng Group in 2014, I was working for Starwood Hotels & Resorts for over two decades. I have extensive experience in hotel management, having held leadership roles in different disciplines at eminent hotels within California and Hawaii. What does KSSF do? KSSF is one of the subsidiaries of Keck Seng Group which owns the W San Francisco located right across the Moscone Convention Center in the heart of San Francisco Downtown. My parent company is also a publicly traded corporation in Hong Kong and Malaysia with businesses across the hospitality, residential, commercial and manufacturing sectors in Asia and North America. Interested to connect with Cynthia? Contact her below. Cynthia Chow Regional Vice President KSSF Enterprises, Ltd. Keck Seng Group | North America

We wish you a happy and prosperous Mid-Autumn Festival. May the full moon bring blessing and happiness to you and your loved ones. This year, we received over 100 boxes of Kee Wah Moon Cake from Hard Rock Sacramento. All the moon cakes have been distributed to our members over the bay area. We are delighted to meet and talk to some of you. We hope you enjoyed this special gift, and thank you again for letting us be part of your festival celebration. Special thanks to the sponsor of this Moon Cake giveaway - Hard Rock Sacramento. Stay tuned for more upcoming events!

This Member Spotlight offers an opportunity for members to share their institutions' insights and best practices with other members, highlighting how they are making a difference in the community and how they have benefited from the HKANC membership. This week, we are delighted to have HKANC Chairman, Mr. Wilson Lau to kick-start this Member Spotlight Program. Learn more about Wilson and how he became involved with the association below. Introduce yourself to our members. Tell us who you are. Hello, HKANC members and friends. I am the current HKANC Chairman, also the founder of Cavalry Insurance Services. Prior to founding Cavalry in 2006, I was Vice President for small business division and Marketing Director for Asian American Division, which I was responsible for marketing and underwriting the small business package within California. I have also developed one of the largest Insurance Program for Asian American Small Business Owners. What does your business do? Cavalry Insurance Services offer retail brokers creative solutions, exceptional service, insurance carriers (admitted & non-admitted), and a full range of products and services designed for hard-to-place risks. Our products include property, casualty, environmental, professional & management liability, credit insurance, and Surety/Bonds. What made you decide to join HKANC? I joined HKANC back in 2005 when I first started my own insurance agency. HKANC provides an excellent networking platform for me as a young entrepreneur. I met several important people in HKANC in the first year which became my mentors and had a great impact on my career. I was also inspired by the HKANC scholarship foundation on how we can give back to our Hong Kong community and helping our next generation by supporting their . What would you like to say to our members? If you are not yet a member, I would strongly urge you to get involved. This is an excellent opportunity to make new friends, growing your business, and your networks. Interested to connect with Wilson? Contact him below. Mr. Wilson Lau Founder, President & CEO Cavalry Insurance Services

This Member Spotlight offers an opportunity for members to share their institutions' insights and best practices with other members, highlighting how they are making a difference in the community and how they have benefited from the HKANC membership. This week, we are delighted to have HKANC Treasurer, Mr. Oliver Ko to share his profession with us. Learn more about Oliver and how he became involved with the association below. Introduce yourself to our members. Tell us who you are. Hi, HKANC members and friends. I’ve joined the HKANC as a board member since 2018. As a Certified Public Accountant with 30 years of public accounting experience, I believe the Chinese way of doing business is always based on building relationships and trust. Working successfully with clients is not just a matter of helping them with their accounting and financial needs. It is about treating them as friends and partners for the long time, and putting in the time and energy to earn the trust that requires. I encourage building friendship and giving back and thus have a long history of participation in nonprofits including sitting on the Advisory Board of KQED, the board of the Hong Kong School Alumni Federation Scholarship Foundation in Southern California and serving as chief financial officer of Asia American MultiTechnology Association (AAMA) plus the Co-Chairman of Self Help for the Elderly Golf Tournament. My volunteering work also includes obtaining 501(c)(3) charitable tax-exempt status for nonprofits. What does your business do? After working for PriceWaterhouseCoopers as a senior tax consultant I formed my own public accounting practice in 1997. My service specializes in international tax planning, consulting and tax compliance. My clients represent a board range of professions and industries including technology, real estate development, construction, hospitality, as well as high net-worth individuals and tax-exempt organizations. Learn More Here What made you decide to join HKANC? Born and raised in Hong Kong I always attuned to my homeland and the people with an interest in Hong Kong. I attended many HKANC events before I was invited to volunteer and join the board by the late Chairwoman Ruth Ma who gave me invaluable guidance and support. HKANC provides an effective channel of communications for information on economic development and trade opportunities in HK as well as chances to interact with HK officials, other business leaders and peers in the Bay Area. What would you like to say to our members? We have much to be proud of and much to be challenged by the political turmoil in HK and the unprecedented pandemic. However I trust our connections and friendship will continue. Interested to connect with Oliver? Contact him below. Oliver Ko, CPA Managing Partner Fong, Ko & Associates, LLP CPAs http://www.fkacpa.com/

This Member Spotlight offers an opportunity for members to share their institutions' insights and best practices with other members, highlighting how they are making a difference in the community and how they have benefited from the HKANC membership. This week, we are delighted to have Ms. Angela Cheung, Board Director to share her profession with us. Learn more about Angela and how she became involved with the association below. Introduce yourself to our members. Tell us who you are. Dear HKANC Members and Friends, it is my honor to be one of the Board of Directors since 2019. I joined HKANC as a corporate member since 2014. I was born and completed my high school diploma in Hong Kong before coming to the Bay Area to pursue further college education. I received my Bachelor of Science degree in Finance, specific emphasis on real estate investment, from California State of University, East Bay. A year before my college graduation in 1993, I obtained my real estate license and started my real estate career in San Francisco/Bay Area since then. I am a local real estate developer and the President/Founder of Pillar Capital Group. For community services, I am the Chairman of the Board of Asian Pacific American Community Center (APACC), San Francisco. APACC is a 501c(3) non-profit organization in Visitation Valley dedicated to serving the underprivileged Asian communities. What does your business do? With over 28 years of experience in real estate development, project management, marketing, commercial sales, and property management, I have led Pillar Capital Group into the global marketplace by forming significant partnerships locally and internationally through her 3 offices located in San Francisco, Boston and Hong Kong. I manage over approximately $250M in value of the real estate development projects in San Francisco. I am also one of the owners/founders of the Fonto Pillar International Real Estate Limited in Hong Kong. The company provides real estate brokerage services in Hong Kong and promotes San Francisco/Bay Area real estate investment opportunities to the Hong Kong/Asian investors. Learn More Here What made you decide to join HKANC? I was invited to join HKANC as a corporate member since 2014 by Kory Lam, who is a good friend of mine as well as my fellow Board Member at the HKANC. Before joining as a corporate member, I was invited to attend multiple networking events and annual galas. I was impressed and inspired by the HKANC members and directors of their enthusiasms and contributions towards the community and acting as a bridge between Hong Kong and the Bay Area businesses. I always meet new people through their informative events. It is my honor to be part of the organization and help promote businesses between these two remarkable regions in the world. What would you like to say to our members? I strongly encourage you to join us as a member. We offer individual membership as well as corporate membership. HKANC is a great platform to meet new friends and grow your networks locally and internationally. We are well connected with the other Hong Kong Associations in the United States and all over the world. I look forward to meeting you in our events. Interested to connect with Angela? Contact her below. Angela Cheung President Pillar Capital Group http://pillarcapitalgrp.com/

This Member Spotlight offers an opportunity for members to share their institutions' insights and best practices with other members, highlighting how they are making a difference in the community and how they have benefited from the HKANC membership. This week, we are delighted to have Melinda Yee Franklin, Board Director to share her profession with us. Learn more about Melinda and how she became involved with the association below. Introduce yourself to our members. Tell us who you are. I am a third-generation Chinese American. My grandparents were born in Guangzhou, China and my parents were born in San Francisco. I have always had a deep love and admiration for Hong Kong and the people of Hong Kong, first traveling there in 1990 and returning for a visit annually. Several years ago, as part of a San Francisco Opera delegation celebrating “Dream of the Red Chamber”, I stayed in the Peninsula Hotel for a week. It was wonderful being pampered and to truly experience luxurious service in a beautiful place! What does your company do? I am the Managing Director of Corporate and Government Affairs in the Western Region for United Airlines. This means I interface with elected officials and business leaders throughout a nine-state region. I am also the Chairwoman of the Board of the San Francisco Chamber of Commerce. On both fronts, we are working extremely hard to turn the corner of our current COVID-19 business environment. What made you decide to join HKANC? I have been attending HKANC events since I served as Mayor Willie Brown’s International Affairs Director from 1996-2000. I always admired the professionalism of the group and the strong networking opportunities. I am still friends with many of the business leaders I met during that time and look forward to seeing them at our ongoing annual events. How has HKANC membership been of value to yourself and your business or corporation? Our membership gives exposure to United Airlines and to me to showcase our service offerings and help create new business partnerships. We enjoy collaborating on creative business ideas and promotions with our fellow members as well. What is the best career advice you ever received? Always be prepared and don’t sweat the small stuff. Someone is always watching, so make good decisions both personally and professionally as you conduct your day-to-day life. And live a balanced life, that aligns your mind, body, and soul every single day. Q6: What would you like to say to our members? Please join us on our journey together to celebrate a place and people we love and admire. Let’s work together to bring renewed economic vitality to Hong Kong and spread a positive message of hope and peace throughout the Asia Pacific region. Interested to connect with Melinda? Contact her below. Melinda Yee Franklin Managing Director Corporate & Government Affairs United Airlines