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    <h3 class="title"><a name="#top"></a>Columbian Life Insurance Company &#8220;Panics&#8221; 
      - <br>
      withdraws offer to testify for Hearing<br>
    </h3>
    <h4 class="titlesmall">UPDATE: August 10, 2006<br>
    </h4>
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    <p>As I have referenced in past updates, T.P. Sampson Funeral Homes in Springfield 
      and Mercadante Funeral Home in Worcester highly recommended Columbian Life 
      Insurance Company to me in the spring of 1999. As a result of their endorsement 
      of Columbian Life Insurance Company and their referral to me of Columbian&#8217;s 
      Regional Director of Sales, Peter Klamkin; with the support of John Carrigan, 
      Treasurer, and the knowledge of Kurt Mangsen, President, Nordgren Carrigan 
      Mangsen Memorial Chapel, I engaged the services of Columbian Life Insurance 
      Company to initiate the process of converting from trust to insurance the 
      funding mechanism for the families that wished to no longer receive 1099 
      tax forms each year for the interest earned on their pre-need funeral arrangements.</p>
    <p>Four (4) plus years later (November 2003) I am accused of signing a misleading 
      and deceptive letter to the families that had indicated their displeasure 
      receiving 1099 tax forms each year for the interest earned on their pre-need 
      funeral arrangements. Please note: not one (1) family that authorized the 
      conversion then and till now has ever complained to me, Nordgren Memorial 
      Chapel, or the State Board concerning this transaction or their decision 
      to affect the transfer. Not one (1) penny was misappropriated or alleged 
      to have been misappropriated or found to be anywhere other than in the appropriate 
      funding instrument dictated by each family. And several (at least 8 of 35) 
      families that received the correspondence signed by me decided not to convert 
      from trust to insurance, because the 1099 tax form was no longer a concern 
      to them.</p>
    <p>A draft of the aforementioned letter was provided to me by Columbian Life 
      Insurance Company. It was modified with wording only (not content) by John 
      Carrigan, Treasurer, Nordgren Carrigan Mangsen Memorial Chapel. After completed 
      in its final form, the letter was reviewed Family Bank and its attorney 
      (per Peter Armbruster, V.P. Family Bank) and Columbian Life Insurance Company&#8217;s 
      legal staff (per Peter Klamkin, Regional Director of Sales and soon to become 
      National Vice President of Pre-Need for Columbian Life Insurance Company). 
      Only after the letter was reviewed by all parties listed above, was the 
      letter sent to the appropriate families for their consideration. Each family 
      had the right and option to elect to convert or elect not to convert &#8211; 
      their choice! Only those families that responded in the affirmative and 
      authorized the transfer by their signatures had their pre-need funding arrangements 
      converted from a trust funding mechanism to an insurance policy. </p>
    <p>Family Bank cross referenced each and every signature on the original funding 
      document as well as the conversion request document (as they were required 
      to do) prior to releasing funds to Nordgren Carrigan Mangsen Memorial Chapel 
      in July 1999.</p>
    <p> Now four (4) plus years later as part of a vicious <strong>&#8220;witch 
      hunt&#8221;</strong> and attempt to assassinate my character, the facts 
      that speak for themselves; the State Board and Division of Professional 
      Licensure are proposing to suspend, revoke or otherwise discipline me for 
      a letter that was given to me by Columbian Life Insurance Company and which 
      I signed in June 1999 as being deceptive and misleading.</p>
    <p>Believing Columbian Life Insurance Company to be honorable (that had been 
      my experience up till November 2003) I asked that Columbian Life Insurance 
      Company and their former Regional Director of Sales and former National 
      Vice President for Pre-Need and the individual that set up the program in 
      1999, come forward and testify to the truth and the facts to resolve the 
      issues before the State Board. <em><strong>(Simple Enough, I thought!) Boy, 
      was I wrong!!!</strong></em> </p>
    <p>First, Columbian Life Insurance Company stated that because the issues 
      were being addressed at an Administrative Hearing, Columbian, being from 
      out of state, was not required to honor a subpoena issued in another state. 
      Columbian&#8217;s legal Counsel, Daniel J. Fischer, did agree to provide 
      testimony at a deposition to be held in Binghamton, NY. I was not happy 
      about this decision, but I agreed to travel to Binghamton, NY, provide for 
      a court reporter to be present, and to arrange transportation for the Administrative 
      Hearings Counsel (Ms. Colleton) and the prosecuting counsels to be present. 
      The Prosecution Counsels objected and refused to participate or allow a 
      deposition from Columbian Life Insurance Company to be entered into the 
      record.</p>
    <p>With or without the consent and approval of the Administrative Hearings 
      Counsel and the prosecution attorneys, I deemed the testimony of Columbian 
      Life Insurance Company and their representative and employee at the time, 
      Mr. Klamkin, necessary and essential for the appellate process, which appears 
      to be a foregone conclusion &#8211; based solely on the process to date.</p>
    <p>On July 21, 2006 I forwarded the following letter to Daniel J. Fischer, 
      Esq., Vice President and General Counsel, Columbian Life Insurance Company. 
    </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> Letter dated July 21, 2006 to Daniel Fischer from 
        Philip G. Haddad <br>
        <a href="/documents/July-21-2006.pdf">[July-21-2006.pdf]</a></p>
	</div>
    <p>On July 24, 2006, I received the following correspondence from Atty. Fischer</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> Letter dated July 24, 2006 from Atty. Fischer to 
        Philip G. Haddad <br>
        <a href="/documents/July-24-2006.pdf">[July-24-2006.pdf]</a></p>
	</div>
    <p>On July 31, 2006 I had a brief telephone conversation with Mr. Peter Andel, 
      Columbian Life Insurance Company, requesting that he, Atty. Fischer, and 
      I speak on a conference call in the very near future. (The conversation 
      was most cordial).</p>
    <p>On August 1, 2006 I received the following letter from Atty. Fischer, Columbian 
      Life Insurance Company.</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> Letter dated August 1, 2006 from Atty. Fischer to 
        Philip G. Haddad<br>
        <a href="/documents/Aug-1-2006.pdf">[Aug-1-2006.pdf]</a></p>
	</div>
    <p>I immediately responded with the following letter to Atty. Fischer.</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> Letter dated August 2, 2006 from Philip G. Haddad 
        to Atty. Fischer<br>
        <a href="/documents/Aug-2-2006.pdf">[Aug-2-2006.pdf]</a></p>
	</div>
    <p>It is clearly apparent Columbian Life Insurance Company is <strong>&#8220;scared 
      to death&#8221;</strong> of having to fess-up to their blatant and obvious 
      role in the creation of the conversion process in mid 1999 &#8211; so much 
      so that they are looking for every avenue not to testify to that which they 
      know occurred and are attempting to hide by saying the turnover has been 
      such that we do not have anyone knowledgeable of the circumstances at that 
      time. Columbian Life Insurance Company is also unwilling to assist in bringing 
      their former employee, Mr. Klamkin, to the table to testify.</p>
    <p>And I <strong>thought</strong> Columbian Life Insurance Company and the 
      Columbian Financial Group had &#8220;honor and integrity&#8221;. Obviously, 
      I WAS WRONG! <strong>(All funeral directors &amp; families - Please take 
      note!)</strong> </p>
    <p>Most certainly this is not the end to this issue. As always, I shall keep 
      you apprised of all the facts and circumstances as this and other issues 
      are resolved.</p>
    <p><strong>NEXT UPDATE &#8211; AUGUST 18, 2006</strong></p>
    <p><strong>Subject: &#8220;Kevin Mercadante (Mercadante Funeral Home &amp; 
      Chapel) Plays Pivotal <br>
      Role in Conspiracy? Surprised He Wasn&#8217;t Called as a Prosecution<br>
      Witness? Is He and His Funeral Home the Beneficiary of My Business<br>
      During This Charade? YOU BE THE JUDGE!&#8221; </strong></p>
    <p><strong><em>Also, &#8220;Actual testimony from defense witnesses&#8221;</em></strong><br>
    </p>
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