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    <h3 class="title"><a name="#top"></a>&quot;DISCLOSURE&quot;<br>
    </h3>
    <h4 class="titlesmall">UPDATE: July 13, 2006<br>
    </h4>
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    <p>I had intended to present Part 2. in the two part series on the proceedings 
      leading up to and through the process of affecting the conversion from trust 
      funding to insurance funding of pre-need funeral arrangement with Columbian 
      Life Insurance with families that I had served and had indicated to me that 
      they did not wish to receive 1099 tax forms each year and will very soon. 
      The process and facts associated with the process cannot change and will 
      not change, and I have related this information to Daniel Fischer, Vice 
      President and legal counsel, Columbian Life Insurance Company.</p>
    
  <p>The attorneys for the prosecution in the complaints filed against me by Mrs. 
    Katherine Mangsen, wife of Kurt Mangsen, president and CEO of Nordgren Memorial 
    Chapel in Worcester, MA, called an expert witness, Mr. Tracy Mitchell, Owner 
    of Roberts-Mitchell Funeral Service to testify in these proceedings. I knew 
    very little then about Mr. Mitchell and know little more about Mr. Mitchell 
    today, but certainly did not object to him being identified by the State Board 
    as the expert witness in these matters. Since I was informed that Mr. Mitchell 
    had been given a copy of the complaints filed by Mrs. Mangsen and supposedly 
    my written responses thereto, I was open to Mr. Mitchell&#8217;s observations 
    and comments, and I had the opportunity to cross-examine Mr. Mitchell after 
    his testimony was concluded on behalf of the prosecution.</p>
    <p>Not being a lawyer, legal scholar, or even a paralegal, I find myself at 
      a distinct disadvantage in getting the facts into the record; especially 
      in light of the severe restrictions of time provided to me and my former 
      lawyers in the preparation of a pre-hearing memorandum over the Christmas 
      and New Years holidays &#8211; with the State Board and Division of Professional 
      Licensure having 17 months to prepare and we had less than 21 days to respond. 
      That said, I have annotated each and every piece of correspondence and action 
      taken in this matter and have chronologically documented the information. 
    </p>
    <p>As I continue to do this, I wondered if Mr. Mitchell was provided an audio 
      copy of the December 9, 2003 meeting of the State Board, wherein Mr. Kazlauskas, 
      former Chairperson and co-conspirator along with Mr. Bresnahan, and at least 
      three (3) central Massachusetts Funeral Directors, have attempted to attack 
      and defame me during this process. The audio tape speaks volumes to the 
      corruption and prejudice without benefit of the facts that has biased the 
      State Board and all involved in this process up to this point. I believed 
      it essential that Mr. Mitchell be in possession of a copy of the audio tape 
      (whether he chooses to listen to it is up to him, but when asked if he has 
      seen, heard, or received a copy of the tape and when this first was presented 
      to him, I DO NOT want Mr. Mitchell to be able to say, &#8220;I&#8217;ve 
      never seen , listened, or had access to the conversations that took place 
      at the State Board Meeting on December 9, 2003. (In addition, similar correspondence 
      and a copy of the audio tape of the December 9, 2003 meeting was forwarded 
      to Ms. Cartmell-Sirrico and Mr. Barile &#8211; both members of the State 
      Board in December 2003 and no longer members of the State Board today for 
      various reasons).</p>
    <p>What an education this process has been to date! Each day that passes, 
      the title of the Web Site<strong> &#8220;Justice at What Price&#8221;</strong> 
      takes on new meaning and relevance in a process that deserves &#8220;disclosure&#8221; 
      at the absolute minimum. The emails, comments, concerns, and statements 
      of disbelief I have received since the publication of Part 1., subject as 
      above, alluding to Columbian Life Insurance Company have been an eye opener 
      to say the least. In the near future, I shall publish several of them deleting 
      the names of the funeral home directors and others who were kind enough 
      to acknowledge who they were as they shared information with me.</p>
    <p>It is NOW time for Columbian Life Insurance Company to come forward and 
      testify in this matter. Mr. Fischer, (referenced above) has indicated a 
      willingness on behalf of Columbian Life Insurance Company to arrange for 
      a representative (s) to testify, not in Massachusetts &#8211; but in Binghamton, 
      NY. (correspondence presented).</p>
    <div class="insert">
	  <p>It is required that you have the <a href="http://www.adobe.com/products/acrobat/readstep2.html" target="_blank">Adobe 
        Reader</a> installed on your computer to view the following email message.</p>
      <p> <strong>*</strong> June 13, 2006 letter from Columbian Life Insurance 
        to Philip G. Haddad <a href="documents/Jun-13-ColumbianLife.pdf">[Jun-13-ColumbianLife.pdf]</a></p>
	</div>
    <p>On June 27, 2006 the scheduled Administrative Hearing was abruptly cancelled 
      30 minutes after it was to have begun for reasons that are yet not totally 
      clear. During this brief period of time, Ms. Colleton, Mr. Read, Ms. Alexander, 
      and I spoke to the issue of obtaining testimony from Columbian Life Insurance 
      Company &#8211; the entity designated as the defense expert witness testimony 
      in these proceedings relevant to Columbian Life Insurance Company. Again, 
      not being the &#8220;legal beagle&#8221; those referenced above are qualified 
      to be, I presented the following correspondence dated July 3, 2006 to Attys. 
      Read and Alexander and copy furnished those referenced herein.</p>
    <div class="insert">
	  <p>It is required that you have the <a href="http://www.adobe.com/products/acrobat/readstep2.html" target="_blank">Adobe 
        Reader</a> installed on your computer to view the following email message.</p>
      <p> <strong>*</strong>July 3, 2006 letter to Attorneys James Read and Leslie 
        Alexander from Philip G. Haddad <a href="documents/Jul-3-Haddad.pdf">[Jul-3-Haddad.pdf]</a></p>
	</div>
    <p>I received the following response from Atty. Read on Wednesday, July 12, 
      2006 dated July 7, 2006</p>
    <div class="insert"> 
      <p>It is required that you have the <a href="http://www.adobe.com/products/acrobat/readstep2.html" target="_blank">Adobe 
        Reader</a> installed on your computer to view the following email message.</p>
      <p> <strong>*</strong>July 3, 2006 letter from Attorney James Read to Philip 
        G. Haddad <a href="documents/Jul-7-James_Read.pdf"><br>
        [Jul-7-James_Read.pdf]</a></p>
	</div>
    <p>You will note that the prosecution has and continues to throw up every 
      opposition and every obstacle in having Columbian Life Insurance Company 
      testify &#8211; short of Columbian Life Insurance Company representatives 
      coming to Boston &#8211; even though they agreed to their participation 
      as expert witnesses for the defense.</p>
    <p>With or without the cooperation and support of the prosecution and Administrative 
      Hearings Counsel and whether or not the information obtained is officially 
      admitted into the record, it is my intent to secure a date, time, and court 
      reporter in the Binghamton, NY area; at which time questions will be asked 
      which will clarify proceedings that took place in July 1999 and that will 
      be testified to by me as I wrap up my testimony at a date yet to be scheduled.</p>
    <p><br>
      On Wednesday, July 12, 2006 after the issuance of four (4) subpoenas to 
      12 witnesses for a variety of reasons (to be the subject of another update), 
      10 witnesses for the defense testified at the Administrative Hearing &#8211; 
      testimony (questions asked and responses thereto) which will very soon be 
      presented in an update. Suffice it to say, <strong><em>&#8220;Lies, Liars, 
      Gross Misjudgments, and Distortions&#8221;</em></strong> by individuals 
      soon to be named were the order of the day. More soon.</p>
    <p>Disappointingly, Mr. Peter M. Klamkin did not respond to the subpoena and 
      did not appear at the Administrative Hearing on July 12, 2006 at the Division 
      of Professional Licensure. It is my understanding he cannot be compelled 
      to appear (much like Columbian Life Insurance Company), but I would have 
      anticipated he would have contacted me and/or Attys. Read, Alexander, or 
      Ms. Colleton. Mr. Klamkin&#8217;s professionalism, consideration, and genuine 
      concern for matters in support of the consumer and his dedication to Columbian 
      Life Insurance has, in my dealings with him and Columbian, been nothing 
      short of extraordinary. Assuming he received the subpoena (and I am unable 
      to confirm this at this point), Yes, I am disappointed!</p>
    <p><br>
      <strong>Next Update &#8211; July 21, 2006<br>
      <br>
      Subject &#8211; &#8220;What does John J. Kazlauskas, former Chairman of 
      the State Board and Kenneth Lay, former CEO, Enron Corp. (and others to 
      soon be named) have in common?&#8221; It isn&#8217;t what you think!</strong></p>
    <p><strong>Don&#8217;t miss this update !</strong><br>
    </p>
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