Which of the following is an example of actual conflict of interest?

An example of an actual conflict of interest occurs when a lawyer’s representation of one client is directly adverse to another client, or when the lawyer's own interests materially limit their ability to represent a client effectively. Selecting the option that indicates 'All of the above' correctly captures the various scenarios that constitute an actual conflict of interest.

The first scenario, where a lawyer is advising two clients with opposing interests, represents a direct conflict as the lawyer cannot adequately represent both parties without compromising their loyalty to one.

The second scenario involves the lawyer's personal interest conflicting with the client's case. In such situations, the lawyer may be unable to act in the best interest of the client due to competing personal concerns, thereby creating an actual conflict.

The third situation exemplifies a conflict as well, with the lawyer representing a client while simultaneously working for the opposing side. This situation clearly demonstrates a divided loyalty, where the representation could be compromised due to the lawyer’s obligations to the opposing party.

Each of these scenarios independently illustrates what constitutes an actual conflict of interest, validating that the correct answer encompasses all the provided options, as each represents a specific conflict that could impede the lawyer's ability to provide competent and impartial representation to their client(s).