All this guy telling you are lies. He likes to get to know girls on MSN and Match.com, he usually made up stories telling people he is or was an investment banker, like to run bars business, he got his will from grandma who was a lawyer also living in Happy Valley. Some times he would say he also got his will recently from his grandpa who was the owner of a local Hong Kong base bank (Dah Sing), also a partner of one of the Macau Casino...full of crap. Believe me or not, just look at the photo of his business cards, the registered address is not belong to what it so called company which is not even exist...he could possibly work at his home, carry a Blackberry on hand all the times pretending a professional banker or very busy business man but he's such a big fat fraud!!! Otherwise, why he has to cheat on girl and borrow money from them very last minute then get disappeared? All Smartie girls, be careful or if you are approached by him, just report it to the police!!