To:                Mr. Roy Hughes, Esq.

Fax:              (808) 521-7489

Phone:         (808) 526-9744

Pages:         52, including this cover sheet.

Date:            May 2, 2003

RE: Demand for Arbitration

Dear Mr. Hughes:

This is to notify you of Trustee Mary Lou Woo’s Demand for Arbitration in our case, which will require the reopening of the Island Insurance Company claim.

The arbitration is being administered by the American Arbitration Association. I am transmitting a letter dated May 2, 2003, for the Case Manager, Justin W. Schuck, which states that a brief administrative conference call has been scheduled on May 5, 2003 at 12:00 PM, Pacific Time (which I believe would be 9:00 AM, Hawaii time.)

I am also transmitting a copy of the Demand for Arbitration filed on March 31, 2003 by Steven Guttman, including Attachment Number 1 and all exhibits. Your prompt response will be appreciated.

Very truly yours,

Bobby N. Harmon

cc: Justin W. Schuck (w/o encls.) - VIA Fax @ 559-490-1919

      Steven Guttman - (w/o encls.) - VIA Fax @ 808-529-7177

This is a leaf from

Claims By Harmon

To go to the top of the tree

The Catbird Seat