To Mrs. Richard Lee,

It’s taken me this long to gather the energy to write you to convey my sympathy for the loss of your husband. Your husband was a kind and generous giant of a man, I first met him almost 6 years ago at Smith Barney. I was there for a job interview and we hit it off immediately, what most impressed me was his

physical presence in the room with an intellect to match. This man only two years my senior was so much more accomplished in all aspects of his life and he was willing to share the wealth of knowledge with others just for the asking.

Who would have though this man from Hawaii who studied Russian at Yale could teach me about deltas, beta, digitals, basically the world of options trading. There was not sole he did not leave a lasting impression with, sleeping a few hours a night, getting to work at four and a full workout before he started his days supporting the currency derivative business.

Richard was so kind during my short stint at Smith Barney that he even offered parts of his bonus to me since he felt I was short-changed by the firm, an offer I had to refuse. I think his vision of where the business could go easily overwhelmed what the firm was capable of supporting. I wasn't at all surprised he left the firm shortly after I did

Often he would speak about his wife Karen, once describing how awful it would have been if he had a baby girl with build and flat face like himself, he was kidding.

He left quite an impression on me in that it affected how I conduct myself at work today.

He was well respected and loved by many, I regret we had lost touch over the years, last time we communicated he was working for Nat West. Please accept my sympathy for your lost and much love for you and your son. ,

David Ngai