1. Prof. Lois R. Lupica, Moderator University of Maine School of Law Portland, Maine C.R. “Chip” Bowles Bingham Greenebaum Doll LLP; Louisville James H. Cossitt James H Cossitt, PC; Kalispell, Mont. Peter C. Fessenden Standing Chapter 13 Trustee- District of Maine; Brunswick THE COMPLEX REQUIREMENTS AND ETHICAL DUTIES OF REPRESENTING CONSUMER DEBTORS Webinar Tuesday, September 24, 2013

2. CONSUMER DEBTORS WEBINAR AUDIO FOR THE WEBINAR IS PROVIDED THROUGH YOUR COMPUTER SPEAKERS WE WILL BEGIN THE WEBINAR SHORTLY Prof. Lois R. Lupica, Moderator University of Maine School of Law Portland, Maine C.R. “Chip” Bowles Bingham Greenebaum Doll LLP; Louisville James H. Cossitt James H Cossitt, PC; Kalispell, Mont. Peter C. Fessenden Standing Chapter 13 Trustee- District of Maine; Brunswick

3. Q & A Prof. Lois R. Lupica, Moderator University of Maine School of Law Portland, Maine C.R. “Chip” Bowles Bingham Greenebaum Doll LLP; Louisville James H. Cossitt James H Cossitt, PC; Kalispell, Mont. Peter C. Fessenden Standing Chapter 13 Trustee- District of Maine; Brunswick

4. Prof. Lois R. Lupica is the Maine Law Foundation Professor of Law at the University of Maine School of Law in Portland, where she teaches bankruptcy, secured transactions, commercial and consumer arbitration, and professional responsibility. Prior to becoming a professor in 1995, she practiced law at both Arnold & Porter LLP and White & Case LLP in New York. She is actively involved in numerous professional and academic organizations. A Fellow of the American College of Bankruptcy, Prof. Lupica is on the advisory board for the ABI Law Review as well as for The Journal of Bankruptcy Law & Practice, and she was ABI's spring 2007 resident scholar. She was appointed as the first Class of 1973/Glassman Faculty Research Scholar at Maine Law, was awarded the Faculty Senate Award for Excellence in Scholarship in 2004 and the National Conference of Bankruptcy Judges Fellowship in 2001, and received an honorable mention for the National Award for Innovation and Excellence in Teaching Professionalism, sponsored by the ABA Standing Committee on Professionalism and the Conference of Chief Justices in 2005. She has served as dean of faculty and as a member of the Executive Board of the American Board of Certification, and she has been a co-coach and faculty advisor for the Duberstein Moot Court Competition in New York since 2005. Prof. Lupica served as the reporter for the Maine Task Force on Ethics 2000 from 2005-08. She is currently the principal investigator of a National Study of the Consumer Bankruptcy System, funded by ABI and the National Conference of Bankruptcy Judges. She received her B.S. in consumer economics and housing from Cornell University and her J.D. magna cum laude from Boston University School of Law. Prof. Lois R. Lupica, Moderator University of Maine School of Law Portland, Maine

5. C.R. “Chip” Bowles is a partner in the law firm of Bingham Greenebaum Doll LLP in Louisville, Ky., where he concentrates his practice in the areas of distressed-asset sales, professional compensation, representation of non-attorney professionals, and debtor and creditor rights. Prior to serving as law clerk to Hon. Henry H. Dickinson, he was an associate with the law firm of Porter, Wright, Morris and Author in Cincinnati. Mr. Bowles is an ABI director and vice chair of the National Ethics Task Force, chaired ABI's Chapter 11 Professional Fee Study, and has been a contributing editor of the ABI Journal. He formerly served as co- chair of ABI's Professional Compensation Committee and is a board member for the American Board of Certification. Mr. Bowles lectures and writes extensively on bankruptcy law and authored ABI's book Getting Paid: Retention and Compensation in Bankruptcy Cases—A Guide for Non- Attorney Professionals and the Attorneys Who Represent Them, now in its Second Edition. He is also the past editor of The Broken Bench and Bar, the newsletter of the Kentucky Bar Association's Bankruptcy Section, and is a board member of the American Board of Certification. C.R. “Chip” Bowles Bingham Greenebaum Doll LLP; Louisville

6. James H. Cossitt is an attorney in Kalispell, Mont., and has practiced since 1999 in the areas of bankruptcy and workouts, business and commercial litigation and construction law. He began his career in insolvency law as a bankruptcy attorney with the FDIC, serving as a chapter 7 panel trustee from 1988-95 and as a chapter 11 trustee from 1997 to 2000. Mr. Cossitt is Board Certified by the American Board of Certification in both Business and Consumer Bankruptcy Law. As chair of the Best Practices Working Group of the Ad Hoc Committee on Bankruptcy Court Structure and Insolvency Process, Mr. Cossitt supervised the publication of "Working Paper: Best Practices for Debtors' Attorneys," 64 Bus. Law 79 (2008), which was a follow-up to an earlier report by the Task Force entitled "Attorney Liability under Section 707(b)(4) of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005," 61 Bus. Law. 697 (2006). A frequent speaker to professional and trade groups on bankruptcy and related topics, Mr. Cossitt was a member of a task force of U.S. bankruptcy judges, law professors and others who consulted with the Slovak Parliament in Bratislava, Slovakia, in 1993 on a new bankruptcy law and the transition to a market economy. Mr. Cossitt received his B.A. with distinction from Iowa State University and his J.D. from the University of Iowa College of Law. James H. Cossitt James H Cossitt, PC; Kalispell, Mont.

7. Peter C. Fessenden is a standing chapter 13 trustee for the District of Maine in Brunswick. He also acts as trustee for all chapter 12 cases filed in Maine, and occasionally as a chapter 11 trustee. Mr. Fessenden founded and directed Maine Legal Services for the Elderly, Inc. and was a partner with Ranger, Fessenden & Copeland P.A. before limiting his practice to trustee work in 1994. He sometimes teaches bankruptcy as an adjunct at the University of Maine School of Law and is currently a law school team coach for the Conrad B. Duberstein Bankruptcy Moot Court Competition. In addition, Mr. Fessenden is a mediator/arbitrator for the state court ADR program and frequently serves as a referee or special master in civil cases. He currently serves on the Grievance Commission for the Maine Board of Bar Overseers and has also spoken at numerous CLE programs. Mr. Fessenden was a delegate to Slovakia in 1996 and to Archangel, Russia, and he has been faculty at numerous CLE programs for the Maine State Bar Association, ABI, National Association of Chapter Thirteen Trustees, National Conference of Bankruptcy Judges, National Association of Consumer Bankruptcy Attorneys, New Mexico Bar Association, New York Bar Association, Florida Bar Association and the Maine Federal Judicial Conference, among others. Mr. Fessenden is a graduate of Antioch College and received his J.D. from the University of Maine School of Law. Peter C. Fessenden Standing Chapter 13 Trustee- District of Maine; Brunswick