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Fundamentals of Bankruptcy Law

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					                              Bankruptcy, Commercial,
                              and Banking Law

Annual ALI-ABA             American Law Institute – American Bar Association
Course of Study /          Continuing Leadership in Professional Education
Video Webcast




Fundamentals of
Bankruptcy Law
Thursday-Friday            The recent economic downturn and the home mortgage
September 22-23, 2011      crisis have resulted in a marked increase in both business
                           and consumer bankruptcy filings. Whether you’re just
Chicago                    starting a bankruptcy practice or need to learn about the
(Gleacher Center)          field because it affects your practice area, this course is for
Live Video Webcast         you.

                           • The most comprehensive and highly acclaimed
                             bankruptcy fundamentals course on the market!
                           • Taught by the leading experts in the field, including six
                             sitting and former U.S. Bankruptcy Judges!
                           • NEW THIS YEAR: Full-day concurrent sessions on
                             consumer and individual bankruptcy issues and on
                             chapter 11 business reorganization
                           • Based on ALI-ABA’s best-selling publication,
                             Fundamentals of Bankruptcy Law; registrants receive a
                             complimentary copy of the latest edition (a $159 value)!




   www.ali-aba.org/CT019     Get this vital information 8 different ways! See inside.
Fundamentals of Bankruptcy Law
Current Developments in Employment Law: The Obama Years at Mid-Term
www.ali-aba.org/CT019
www.ali-aba.org/CT001




Comprising more than 13 hours of
This state-of-the-art annual the basic
instruction, the course covers all
advanced course of study, comprising
areas of bankruptcy liquidation and
rehabilitation, both of substantive
more than 18 hours theinstruction, and
procedural law, and pays special key
reviews and analyzes all theattention
to the kinds of problems you’re likely
developments in employment
to encounter.
legislation, regulation, and case law.
 This annual course of study is designed to:
 • Introduce bankruptcy and business reorganization law judges, who candidly share with
The faculty includes federal circuit, district, and magistrate to general practitioners
 • Offer a their perspectives on employment law developments
registrantsrefresher to practitioners currently working in the field and litigation issues.
 • Update attorneys who want to keep up with recent legislative changes and the constant
    barrage of judicial decisions
Within the topical areas on the program, cutting-edge issues receive concentrated
attention from an insightful faculty. The course emphasizes current developments and is
 Starting an advanced level. The substantial study materials include analyses, checklists,
taught atwith a brief overview, the course proceeds to consider:
 • The court system and bankruptcy oral presentations, but also
and forms that not only flesh out the administrative apparatus provide a desk reference
 • Eligibility for relief under value.
of exceptional independentthe Bankruptcy Code and how cases get started
 • The concepts of the bankruptcy estate and the trustee’s avoiding powers
 • The reserved throughout the program for the the automatic stay and the submitted
Time is so-called administrative powers, including faculty to address questionspower to use
    the registrants particularly registrants in any other ways that might render the course
by or sell property,and to assist the power to use a secured creditor’s collateral, as well as the
    power to reject, assume, or assign executory contracts but also informally and during
more productive for their practices, not just during sessions,
the networking reception following the first day of the course.
 The course takes into account significant changes in the law effected by the Bankruptcy
 Abuse Prevention and Consumer Protection Act of 2005, as well as new challenges
 presented by the current economic conditions.
ALI-ABA Curriculum
 NEW THIS YEAR: Labor Law
Employment andThe second day of the course features two concurrent sessions,
 both of employment/labor law online for on-demand access after excellence
ALI-ABA’swhich will be availablecurriculum is renowned for decades ofthe course in
 (FREE for course registrants). One track that practitioners face daily. More to the
probing the essential and emerging issues (which will be webcast) is devotedthan 30
 fundamentals of and short business ensure a firm grounding in the law, techniques, and
intensive courseschapter 11 webcastsreorganization, including both the provisions of the
 law that enable the distinguished operating and those bench, and the negotiation,
hot issues taught bydebtor to keepfaculties from the bar,that relate togovernment. Discern-
 formulation, confirmation, and consummation of the reorganization plan itself. Both
ing management and employee counsel rely on ALI-ABA programs as businesses grapple
 small and large health care law, 11 cases are discussed. an other track multi-generational,
with changes inbusiness chapterfinancial insecurity, and Theincreasingly concentrates on
 consumer and individual programs issues, including the law litigation, exemptions, the
global workforce. ALI-ABAbankruptcyin the employee benefits,relating to and other fields
 right to discharge, opportunities to broaden particular claims, as well ALI-ABA document
provide additional and the dischargeability ofpractitioners’ knowledge. as the chapter 11
 and 13 alternatives to a law practice management, Special consideration is offer to the
drafting, lawyering skills,bankruptcy liquidation case. and ethics webcasts alsogiven conve-
 treatment to develop professionally. Registration for an ALI-ABA program is an investment
nient ways of home mortgages in bankruptcy.
that includes free online access to the recorded program and accompanying electronic
study materials.
 Time is reserved throughout the program to address
 written questions submitted by program to address
Time is reserved throughout the the registrants.
written questions submitted by the registrants.
Planning Chairs (also on faculty)
K. John Shaffer
JUDICIAL PLANNING CHAIRS                   Chicago                                   Epstein Becker & Green, P.C.,
Stutman, Treister & Glatt,             Bruce A. Markell PLANNING
                                           PRACTITIONER                              Washington, D.C.
Paul W. Grimm
P.C.,                                      CHAIRS
                                       U.S. Bankruptcy Judge,
Los Angeles
Chief Magistrate Judge, U.S. Las Vegas

Faculty
District Court,
Baltimore
                                           Robert B. Fitzpatrick
                                           Robert B. Fitzpatrick, PLLC,
                                           Washington, D.C.
Rebecca R. Pallmeyer
Mary Grace Diehl                       Bankruptcy Judge                       Director Emeritus,
Judge, U.S. District Court,
U.S. Bankruptcy Judge,                     Frank C. Morris, Jr.               Office of Courses of Study
Atlanta                                Elizabeth L. Perris
                                       Chief U.S. Bankruptcy
Faculty
Ralph R. Mabey
Stutman, Treister & Glatt,
                                       Judge Portland, Oregon

P.C., Salt Lake City; former           Eugene R. Wedoff
U.S. Bankruptcy Judge
JUDGES                                 U.S. Bankruptcy Judge,
                                           Charlotte Fishman                         The Law Office of
                                       Chicago
                                           Executive Director,                       Richard T. Seymour PLLC,
Randall Black
Bruce D.J. Newsome                         Pick Up the Pace,                         Washington, D.C.
Mediator, JAMS,
Judge, U.S. District Court,            ALI-ABA Staff Attorney:
                                           San Francisco
San Francisco; former U.S.
Santa Fe                               Alexander Hart
                                           Laura L. Ho                               Bernard R. Siskin, Ph.D.
                                           Goldstein, Demchak, Baller,               BLDS, LLC,
Ann D. Montgomery                          Borgen & Dardarian,                       Philadelphia
Judge, U.S. District Court,                Oakland
Minneapolis                                                                          ALI-ABA Staff Attorney:
                                           Ellen C. Kearns                           Thomas M. Hennessey
Jerry E. Smith                             Constangy, Brooks & Smith,                Assistant Director,
Judge, U. S. Court of Appeals              LLP, Boston                               Office of Courses of Study
for the Fifth Circuit,
Houston                                    Peggy R. Mastroianni
                                           U.S. Equal Employment
PRACTITIONERS                              Opportunity Commission,
                                           Washington, D.C.
Craig D. Ball
Forensic Technologist and                  Sandra R. McCandless
Certified Computer Forensic                SNR Denton,
Examiner, Craig D. Ball, P.C.,             San Francisco
Austin, Texas
Here’s what registrants said about last year’s McLoughlin
                                           Maureen
presentation of this course:
Daniel L. Bonnett                          Davis & Gilbert LLP,
Martin & Bonnett PLLC,                     New York
Phoenix
           “This course was perfect for me. It was a well-organized, well-
                                           Peter M. Panken
           presented ‘A to Z of Bankruptcy Law.’ It won’t make me a bankruptcy
Steven G. Eckhaus                          Epstein Becker & Green, P.C.,
           expert but it helps me see issues and problems in my commercial
                                           New York
Katten Muchin–Rosenman Caruso, Bracewell & Giuliani LLP, New York
           cases.” Kenneth A.
LLP, New York
                                           Gary E. Phelan
                                          “I am an attorney working for the EPA. My cases frequently
Edward T. Ellis                            Cohen and Wolf, P.C.,
                                          involve bankruptcy matters on specific issues. My experience
Littler Mendelson, P.C.,                   Bridgeport, I lacked the big
                                          suggested that Connecticut picture of bankruptcy law. I
Philadelphia                              took this course hoping that it would give me the big picture.
                                           Richard T. Seymour
                                          It did. Impressive faculty. Each presenter articulated subject
                                       matter in a clear and understandable way.”
Program
All Times Central Daylight Time
Program subject to minor change




Thursday, September 22, 2011                                2:30 p.m.   Executory Contracts, Leases, Sales,
                                                                        and Abandonment
7:30 a.m.   Course Registration and Continental
            Breakfast                                       3:15 p.m.   Networking and Refreshment Break

8:25 a.m.   Administrative Remarks                          3:30 p.m.   Claims Allowance and Distribution

8:30 a.m.   Overview                                                    Secured vs. unsecured claims; priorities;
                                                                        subordination; claims objections
            Overview of the Bankruptcy Code;
            bankruptcy jurisdiction (original and           4:30 p.m.   Discharge
            removal); allocation of bankruptcy
            jurisdiction between District and                           Scope, timing
            Bankruptcy Judges; venue; appeals
                                                            5:00 p.m.   Adjournment for the Day
9:30 a.m.   Commencement of the Case

            Voluntary and involuntary petitions; initial
                                                            Friday, September 23, 2011
            filings, including bankruptcy schedules
                                                            8:00 a.m.   Networking Session and Continental
10:00 a.m. The Bankruptcy Estate
                                                                        Breakfast
10:45 a.m. Networking and Refreshment Break                 CONCURRENT SESSIONS
                                                            (Registrants may shuttle between meeting rooms. Live
11:00 a.m. Automatic Stay                                   and webcast registrants will have free online on-demand
                                                            access to both sessions after the course.)
            Protection of property of the estate
            (automatic stay against lien enforcement,
            turnover of property, prohibition against       SESSION ONE:
            forfeitures)                                    CHAPTER 11 BUSINESS REORGA-
12:15 p.m. Lunch Break                                      NIZATIONS
                                                            (available via live video webcast)
1:30 p.m.   The Trustee’s Avoiding Powers
                                                            8:30 a.m.   Reorganization vs. Liquidation;
            The trustee as a hypothetical lien creditor;                Chapter 11 Overview
            the trustee as a bona fide purchaser; the
            trustee as a successor to the rights of         9:00 a.m.   Early Challenges in Chapter 11 Cases
            creditors; fraudulent transfers; invalidation
            and subordination of statutory liens;                       The beginning of the chapter 11 case;
            limitations on avoiding powers; liability of                cash collateral; DIP financing; single asset
            transferees; preservation of transfer; set-                 real estate cases
            off; preferential transfers
                                                         Total 60-minute hours of instruction: 13.5
                                                         Note: The discussions include at least one full
                                                         hour on ethics and professional responsibility
                                                         issues, accepted as such by most, but not all, MCLE
                                                         jurisdictions.

                                                         16 CPE credit hours in Business Law
                                                         (live program and group internet based program)




10:45 a.m. Asset Sales                                   10:45 a.m. The Fresh Start and Other Matters
                                                                    of Particular Importance to the
            Procedures; sales free and clear of liens;              Individual or Consumer Debtor
            sub rosa plans
                                                                     The debtor’s duties; examination and
12:15 p.m. Lunch Break                                               immunity; the automatic stay against
                                                                     lawsuits; exemptions and Spendthrift
1:30 p.m.   The Plan Process                                         Trusts; redemption; protection of
                                                                     the discharge; reaffirmation; home
            Formulation of the plan; disclosure                      mortgages
            statement; acceptances of the plan;
            confirmation and “cram down”; effect of      11:45 a.m. Nondischargeability; Denial of
            confirmation; consummation                              Discharge

3:30 p.m.   Networking and Refreshment Break                         Grounds of objection to discharge; non-
                                                                     dischargeable debts; other effects of
3:45 p.m.   Variations                                               discharge

            Chapter 15; small business debtors;          12:15 p.m. Lunch Break
            individual chapter 11 debtors
                                                         1:30 p.m.   Nondischargeability; Denial of Discharge
5:00 p.m.   Adjournment                                              (continued)


SESSION TWO:
                                                         2:30 p.m.   Chapter 13

CONSUMER AND INDIVIDUAL                                              Chapter 13 adjustment of debts of
BANKRUPTCIES (not webcast)                                           individuals with regular income;
                                                                     application of other chapters;
8:30 a.m.   Overview of the Consumer                                 commencement of the case and
            Bankruptcy Schemes                                       conversion to or from chapter 13; rights
                                                                     and powers of trustee and debtor; plan
            Chapters 7, 11, and 13 for individual                    confirmation and its effect; modification
            debtors                                                  of plan; small business chapter 13 cases

9:00 a.m.   Commencement and Eligibility                 3:30 p.m.   Networking and Refreshment Break

            Means testing; conversion; dismissal         3:45 p.m.   Chapter 13 (continued)

10:00 a.m. Exemptions                                    4:30 p.m.   Individual Chapter 11 Cases

10:30 a.m. Networking and Refreshment Break              5:00 p.m.   Adjournment
                                                                        Relevant • Authoritative • Timely

                                                                                                 Fundamentals of
                FUNDAMENTALS




                                                                                 of
                                                             FUNDAMENTALS                        Bankruptcy Law
                of




    9:00 a.m.                                              The Battle of the Experts – Moderator:    the expert underscoring weaknesses in the lawyers’
                BANKRUPTCY LAW




                                                                                                 Seventh Edition
                                                           Judge Smith; Ms. McLoughlin, Mr. Seymour, approaches.
                                                           and Dr. Siskin
                  BANKRUPTCY                               11:15 a.m. Cutting-Edge Employment Law
                TREISTER • TROST • FORMAN • KLEE • LEVIN




                  LAW                                                 Issues – Moderator: Judge Montgomery;
     Social framework expert; Stereotyping/implicit bias Richard B. Levin
                                                       By
                                                                      Ms. Fishman and Messrs. Fitzpatrick and
     expert; Forensic economist; Statistical evidence;
HAT TOP
TITIONERS
     Mental practitioners, including treaters
A UNIQUE
NDAMENTALS.
                                                                      Seymour
                                                                                    George M. TREISTER
                                                                                       J. Ronald TROST


    10:00 a.m. Networking and Refreshment Break
                                                                                      Leon S. FORMAN

                                                      12:30 p.m. Adjournment           Kenneth N. KLEE



                 rants
                                                                                       Richard B. LEVIN
                SEVENTH EDITION BY LEVIN




         Regist a
                                                                                   SEVENTH EDITION BY


                                                   2010 • Softcover • 452 pages •
                                                                                       Richard B. LEVIN


    10:15 a.m. eive
           rec Damages in Employment Cases: How ISBN: 9780831899776 • future supplements
                      tary
               limen
                 To Maximize/Minimize – Moderator:
       comp Judge Grimm; Ms. McLoughlin, Messrs.
                                                                                                   MP 21:33:1 01/51/9




                                                   invoiced separately and may be returned
               copy!
                                                                                                   9/15/10 1:33:12 PM
                NIVEL YB NOITIDE HTNEVES




                                                   without obligation • Order Code BK74 • $159
                                                           Total 60-minute hours of instruction: 18.75,
                                                           Eckhaus and Seymour, and Dr. Siskin
                                                           including one hour of ethics and
                                                                                   NIVEL .B drahciR
                                                                                   YB NOITIDE HTNEVES




                                                           professionalism
                                                                                   NIVEL .B drahciR

    An expert and two lawyers, one who represents
                                                                                   EELK .N htenneK


                                                      For more information, go to
                                                                                   NAMROF .S noeL
                NIVEL • EELK • NAMROF • TSORT • RETSIERT




                                                                                   TSORT dlanoR .J


    high level/high net worth executives and the other
                                                                                   RETSIERT .M egroeG
.SLATNEMADN
                                                      www.ali-aba.org/BK74 in Business Law
                                                           22 CPE credit hours
    who represents lower compensated employees,
    EUQINU A
    SRENOITIT

    discuss how to calculate damages in order to
      POT TAH
                                                           (live program and group internet based program)
                                                                   WAL
    maximize demands in negotiations and trial with




   8
                                                            YCTPURKNAB
                                                                                 fo
                WAL YCTPURKNAB




                                                            SLATNEMADNUF            On-site: Maximize your CLE experience. Learn from the best and
                fo




                                                                                     On-site: Maximize your CLE experience. Learn from the best and
                                                                                    network with serious practitioners. Register one person from your
                SLATNEMADNUF




                                                                                     network with serious practitioners. Register one person from your
                                                                                    firm for this course and get all subsequent registrations at 50% off.
                                                                                     firm for this course
                                                                                     UP TO 50% OFF and get all subsequent registrations at 50% off.
                                                                                      UP TO 50% OFF
                                                                                    Live Webcast: Can’t attend? Register for the live webcast and
                                                                                     Live Webcast: Can’t questions online, in real time, and get any
                                                                                    participate by asking attend? Register for the live webcast orour of
                                                                                     its segments and participate by asking questions online, in real time,
                                                                                    famous course materials via searchable PDF. Interrupt your viewing
                                                                                     and get our famous up later with the free online archive. Get all the
                                                                                    at any time and catchcourse materials via searchable PDF. Interrupt
                                                                                     your viewing at any time and catch up later with without leaving
                                                                                    information you need, and satisfy your CLE needs, the free online
                                                                                     archive. Get all the
                                                                                    your office. $899 information you need, and satisfy your CLE needs,
     ways to                                                                         without leaving your office. $1,049/$299
      ways to                                                                       Group Webcasts: Schedule a convenient group viewing of this
     satisfy your                                                                    Group Webcasts: Schedule a and save on tuition. Provide this
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                                                                                    firm or department withpeople to the finest legal talent — and train
                                                                                     firm people at a lower cost — to the finest legal talent — and train
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      CLE
     requirements
                                                                                     more people at a travel.
                                                                                    time constraints oflower cost — without the additional expense or
      requirements                                                                   time constraints
                                                                                     UP TO 30% OFF of travel.
                                                                                      UP TO 30% OFF
                                                                                    Online (on demand/archive) CLE: Online audio and/or video and
                                                                                     Online (on demand/archive) CLE: Online audio and/or video and
                                                                                    searchable (PDF) course materials are available 24/7 for every course.
                                                                                     searchable (PDF) course materials are available 24/7 for every course
                                                                                    Free To Registrants
                                                                                     and course segment. Free To Registrants
                                                                                    DVD / CD-ROM Watch or listen to ALI-ABA’s renowned courses in
                                                                                     DVD / CD-ROM office — on your computer, DVD player, or MP3
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                                                                                    playercar, at youror office — on your computer, DVD player, or MP3
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                                                                                      $829/$629
                                                                                    Printed + Online Course Materials ALI-ABA’s acclaimed course
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                                                                                    materials+ Online Course Materials ALI-ABA’s acclaimed course
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                                                                                    before or afteravailable in print or electronically and can be purchased
                                                                                     before or after the course. $299
how to register                                                                 CoUrse LoCAtioN AND hoteL ACCoMMoDAtioNs
online       www.ali-aba.org/Ct019                                              The course will be held at the Gleacher Center (at the University of Chicago
phone        1-800-CLe News                                                     Booth School of Business), 450 North Cityfront Plaza Drive, Chicago, IL
fax          215- 243-1664                                                      60611; phone (312) 464-8787.
mail         return the form on the back panel of                               A limited block of rooms has been reserved at the James Chicago, near
             this brochure to:                                                  the Gleacher Center. Room rate: $259 per night, single or double occupancy.
             registrAr, ALi-ABA, 4025 Chestnut                                  These rooms will be held as a block, unless exhausted, until August 22,
street, Philadelphia, PA 19104-3099                                             at which time they will be released to the general public. Registrants must
                                                                                make their own hotel reservations and indicate that they are attending the
                                                                                ALI-ABA Course of Study to qualify for rooms in the block.
get MANDAtorY CLe AND CPe CreDit
                                                                                Room reservations may be made by contacting the James Chicago, 55
Virtually all ALI-ABA programs receive CLE credit in AK, AL, Ar, AZ, CA,
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Co, De, FL, gA, hi, iA, iL, iN, Ks, KY, LA, Me, MN, Mo, Ms, Mt, NC,
                                                                                526-3778; or by emailing reservations@jameshotels.com. Confirmations
ND, Ne, Nh, NJ, NM, NV, NY, oh, oK, PA, ri, sC, tN, tX, Ut, VA, Vt,
                                                                                will be sent by the hotel. Please read the cancellation policy carefully.
wA, wi, and wV. Upon request, ALI-ABA will apply for CLE credit in iD,
or, and wY. This course is expected to qualify for 13.5 credits, including
                                                                                go to www.ali-aba.org/Ct019 for more info about:
one ethics credit, in 60-minute MCLE jurisdictions; and for 16.2 credits,
                                                                                registration/cancellation/requirements for persons with
including 1.2 ethics credits, in 50-minute MCLE jurisdictions. In NY, this
                                                                                disabilities/scholarships
course is appropriate for both newly admitted and experienced attorneys.
For specific information on CLE, CPE, or other professional accreditation in
your state, please e-mail the MCLE Team at TeamMCLE@ali-aba.org, go to
http://www.ali-aba.org/mcle, or call 1-800-CLE-NEWS.                             AND DON’T MISS...
NAsBA
                  ALI-ABA is registered with the National Association            Accountants’ Liability: Litigation Strategies
                  of State Boards of Accountancy (NASBA) as a sponsor            and Current Issues after the Financial Crisis
                  of continuing professional education on the National           September 15-16, 2011,
                  Registry of CPE Sponsors. State boards of accountancy          Washington, D.C. and Live Video Webcast
                  have final authority on the acceptance of individual           www.ali-aba.org/CT004
courses for CPE credit. Complaints regarding registered sponsors may be
addressed to the National Registry of CPE Sponsors, 150 Fourth Avenue            The Financial Services Regulatory Revolution:
North, Suite 700, Nashville, TN 37219-2417. Web site: www.nasba.                 Navigating the New World of Broker-Dealer
org. For more information regarding ALI-ABA’s administrative policies,           and Investment Adviser Regulation,
such as complaint and refund, please call Customer Service at (800)              Supervision, and Sales Practices
CLE-NEWS. CPe credit hours for this course: 16 in Business Law                   September 23, 2011,
(group live and group internet based program). Learning objective:               New York and Live Video Webcast
Acquisition of knowledge and skills to develop proficiency as a practitioner;    www.ali-aba.org/CT014
suggested Prerequisite: Limited experience in general practice; Level
of instruction: Basic                                                            Conference on Life Insurance Company
                                                                                 Products
                                                                                 November 3-4, 2011,
                                                                                 Washington, D.C. and Live Video Webcast
                                                                                 www.ali-aba.org/CT006


 CHICAGO

 Whether you’re a foodie, architecture buff, or baseball fan, Chicago offers something for everyone
 outside of the classroom!

 • Take a boat tour on the Chicago River with the Chicago Architecture Foundation
 • Looking for a laugh? Check out a show at The Second City, where many of today’s successful comedians
     got their start
 •   Stroll the amazing collections at the Art Institute of Chicago and the Field Museum
 •   Go for a run or swim at one of many beaches on the shores of Lake Michigan
 •   Cheer on the White Sox or Cubs at a home game
 •   Plan a great vacation with your CLE! For more Chicago travel tips, visit www.explorechicago.org.




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Fundamentals of Bankruptcy Law
Chicago, IL, September 22-23, 2011 | $1,099
    G Please enter ______ registration(s) CT019
      G I am a full-time employee of the federal, a state, or a local government or a government agency.
        Tuition: $769 CT019GOV
Live Video Webcast | $899

      G Please enter ______ webcast registration(s) WAT019

Can’t attend? You don’t have to miss anything! Order the:
     G DVD (including both concurrent sessions and the ALI-ABA Publication,
        Fundamentals of Bankruptcy Law, Seventh Edition) | $749 AT019V
      G Audio MP3 CD-ROM (including both concurrent sessions and the ALI-ABA Publication,
        Fundamentals of Bankruptcy Law, Seventh Edition) | $549 AT019

Fundamentals of Bankruptcy Law, Second Edition
    G $159 BK74
Tuition discounts
     G I am a recent law school graduate (< 5 years) or retired senior lawyer (65 or older).
        Payment is in the amount of the stated tuition, minus 30% (graduates) or 50% (senior lawyers)
            PA residents only, add 8% sales tax to total amount (excluding course registrations).


$ ____________ Total                                                                     G Check enclosed (payable to ALI-ABA)
                                          Please charge to my credit card: G AMEX G DISCOVER G MasterCard G VISA

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