Bobby N. Harmon, CPCU, ARM

July 20, 2004

                                                                                  VIA facsimile only @ (808) 529-7177

Mary Lou Woo, Trustee

c/o Steven Guttman, Esq.

Kessner Duca Umebayashi Bain & Matsunaga

220 South King Street, 19^th Floor

Honolulu, HI 96813

RE:     Notice of Claim - Mary Lou Woo, Trustee

           Ref. Mary Lou Woo, Trustee v. Bobby N. Harmon

Dear Ms. Woo:

This is a Notice of Claim against you, Steven Guttman, Esq., and the law firm of Kessner Duca Umebayashi Bain & Matsunaga, for racketeering, tax fraud, mail fraud, wire fraud, conspiracy to commit fraud, breach of attorney-client privilege, conflicts of interests, obstruction of justice, and other wrongful acts.

I have already provided Mr. Guttman a copy of Bradley Tamm’s facsimile dated April 6, 2002, addressed to Steven Guttman, Matt Tsukazaki and Susan Tius. In this communication, Mr. Tamm attached a copy of my letter to Gregory Dunn dated March 30, 2002, and stated:

“TRANSMITTED HEREWITH IS A COPY OF A LETTER RECENTLY RECEIVED FROM MR. HARMON. APPARENTLY, HE IS SENDING NEARLY IDENTICAL LETTERS TO ALL OF US.

“I WOULD REQUEST THAT MR. TSUKAZAKI RELEASE TO ME A COPY OF ANY SIMILAR LETTERS SENT TO HIM, MS. TIUS, OR BISHOP ESTATES. I BELIEVE WE SHOULD ALL COOPERATE IN EXCHANGING SUCH INFORMATION FOR OUR MUTUAL BENEFIT AND THE PRESERVATION OF OUR CARRIER’S INTERESTS.”

I request that you promptly report this claim to your insurance carrier, and ask that their authorized Claims Adjuster contact me as soon as possible for further information.

Very truly yours,

Bobby N. Harmon

cc:       James B. Farris, Case Manager, American Arbitration Association

           VIA fax only @ 559-490-1919

Internet Reference: www.the-catbird-seat.net/Claims-Branch-Mary-Lou-Woo.htm