Vessel 1 was towing a banana style tube with four passengers in Saco Bay, Maine.   The tube had the passengers sitting on the device in a manner that you would sit on a horse.  Each of the four passengers were seated one behind the other in a line.  
The route of the tow was out was straight out from the Old Orchard Beach Pier, a slow gradual turn to the south and then after a few hundred yards,  a westerly turn toward the beach followed by an easterly turn, (completing the U shape) heading toward Scarborough.  After several hundred yards, vessel 1 began a gradual turn to the north and then to the west, completing the second U shaped turn.  At this point as vessel 1 completed the turn, it headed southerly out to sea away from the beach and then began to make the returning  westerly turn to the beach.  
It is during this last turn that the passengers allege that the operator of Vessel 1 increased the speed of the tow.  The passengers were allegedly dumped into the water and continued to be towed by vessel 1 for approximately 10-15 seconds underwater, because they were all still holding on to the handles of the device.  
The passengers eventually were all in the water.  Vessel 1 circled around and picked up the passengers placing them into and onto vessel 1 and brought them back to shore.

Old Orchard                   