NOTICE TO CREDITORS OF THE ESTATE OF BETSY A. LUDWIG AND THE BETSY A LUDWIG TRUST DATED MARCH 27, 1992 All creditors of Betsy A. Ludwig, Decedent, who died on February 24, 2023, and/or the trust established for her known as the Betsy A. Ludwig Trust, dated March 27, 1992, as amended, are hereby notified that Herman F. W. Ludwig, Jr. is the Successor Trustee of the Trust and that any and all claims that such creditors have against Betsy A. Ludwig and/or the Trust, even if the claim is secured by a mortgage upon real estate, must be presented with proper vouchers or duly authenticated copies hereof, to the Successor Trustee, at the address shown below within four (4) months from the date of the first publication of this notice or they will be forever barred pursuant to Hawaii Revised Statutes, §560:3-801. Herman F. W. Ludwig, Jr., Successor Trustee c/o Stephen J. Menezes 441 Kipuni Street Hilo, Hawaii 96720 Attorney for Successor Trustee (HTH1414411 5/5, 5/12, 5/19/23)