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Amended Objection to Proposed Class Action Settlement - Page 1 Case No. CGC-03-004335 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Joseph Darrell Palmer (State Bar No. 125147) LAW OFFICES OF DARRELL PALMER, PC 603 North Highway 101, Suite A Solana Beach, CA 92075 Telephone: (858) 792-5600 Facsimile: (866) 583-8115 John W. Davis (State Bar No. 200113) LAW OFFICE OF JOHN W. DAVIS 501 W. Broadway, Suite 800 San Diego, CA 92101 Telephone: (619) 400-4870 Facsimile: (619) 342-7170 [email protected] Steven F. Helfand (State Bar No. 206667) HELFAND LAW OFFICES 582 Market Street, Suite 1400 San Francisco, CA 94104 Telephone: (415) 397-0007 Facsimile: (415) 397-0009 Email: [email protected] Attorneys for Objectors Marlene A. Selvaggio, John Metzger and Tony Buhowski SUPERIOR COURT OF THE STATE OF CALIFORNIA FOR THE COUNTY OF SAN FRANCISCO RICHARD JOHNS, et al. Plaintiffs, v. VISA U.S.A, et al., Defendants. Case No. CGC-03-004335 JCCP: 4335 CLASS ACTION AMENDED OBJECTION TO PROPOSED CLASS ACTION SETTLEMENT AND NOTICE TO APPEAR AT FAIRNESS HEARING Date: April 2, 2013 Time: 9:30 a.m. Dept.: 305 Judge: Hon. John Munter

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Page 1: Case No. CGC -03 -004335 JCCP: 4335 CLASS ACTIONclassaction.kccllc.net/Documents/CDC0001/Amend Obj. To Proposed Cl… · Case No. CGC -03 -004335 JCCP: 4335 CLASS ACTION AMENDED OBJECTION

Amended Objection to Proposed Class Action Settlement - Page 1 Case No. CGC-03-004335

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Joseph Darrell Palmer (State Bar No. 125147)

LAW OFFICES OF DARRELL PALMER, PC

603 North Highway 101, Suite A

Solana Beach, CA 92075

Telephone: (858) 792-5600

Facsimile: (866) 583-8115

John W. Davis (State Bar No. 200113)

LAW OFFICE OF JOHN W. DAVIS 501 W. Broadway, Suite 800 San Diego, CA 92101 Telephone: (619) 400-4870 Facsimile: (619) 342-7170 [email protected] Steven F. Helfand (State Bar No. 206667)

HELFAND LAW OFFICES

582 Market Street, Suite 1400

San Francisco, CA 94104

Telephone: (415) 397-0007

Facsimile: (415) 397-0009

Email: [email protected]

Attorneys for Objectors Marlene A. Selvaggio, John Metzger and Tony Buhowski

SUPERIOR COURT OF THE STATE OF CALIFORNIA

FOR THE COUNTY OF SAN FRANCISCO

RICHARD JOHNS, et al. Plaintiffs, v. VISA U.S.A, et al., Defendants.

Case No. CGC-03-004335

JCCP: 4335

CLASS ACTION

AMENDED OBJECTION TO PROPOSED CLASS ACTION SETTLEMENT AND NOTICE TO APPEAR AT FAIRNESS HEARING

Date: April 2, 2013 Time: 9:30 a.m. Dept.: 305 Judge: Hon. John Munter

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Class members Marlene A. Selvaggio, John Metzger and Tony Buhowski object to the

proposed settlement as follows:

Selvaggio and Metzger hereby incorporate their prior filings made on May 20, 2010 in

opposition to the former settlement considered by The Honorable Richard A. Kramer. Objectors

intend to appear through counsel at the April 2, 2013 hearing.

A. THERE IS INSUFFICIENT EVIDENCE TO SUPPORT THE RELEASE

In analyzing the fairness of class settlements, courts have long been directed to consider a

variety of factors, “which is not exhaustive and should be tailored to each case,” and includes, “the

strength of plaintiffs’ case, the risk, expense, complexity and likely duration of further litigation,

the risk of maintaining class action status through trial, the amount offered in settlement, the

extent of discovery completed and the stage of proceedings, the experience and views of counsel,

the presence of a governmental participant, and the reaction of the class members to the proposed

settlement [citation omitted]. The list of factors is not exhaustive and should be tailored to each

case.” Clark v. American Residential Serv., LLC, 175 Cal. App. 4th 785, 799 (2009).

Yet California courts have also made it absolutely clear that, of these factors, the most

important “is the strength of the case for plaintiffs on the merits, balanced against the amount

offered in settlement.” Kullar v. Foot Locker Retail, 168 Cal. App. 4th 116, 130 (2008), quoting

City of Detroit v. Grinnell Corp. (2d Cir. 1974) 495 F.2d 448, 455. Moreover, the settling parties

must provide the trial court with sufficient evidence and legal analysis to permit an independent

analysis of the relevant factors. Pursuant to both Kullar and Clark, evidence and cogent legal

analysis are the key components to settlement approval. Indeed, the Kullar case refers to a

substantial evidence standard in the review of settlement approvals. See Kullar, 168 Cal. App. 4th

at 133 [referencing settlement evaluations under Cal. Code Civ. Proc. Section 877.6, regarding

good faith settlement among joint tortfeasors].) Here the parties have failed to support the

settlement with sufficient evidence.

Without sufficient and substantial evidence to support a trial court’s assumptions and

factual findings, an approval is an abuse of discretion. See, e.g., Toyota Motor Sales U.S.A., Inc.

v. Superior Court (1990) 220 Cal. App. 3d 864, 870-71 [discussing abuse of discretion and

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substantial evidence in the context of courts’ evaluation of settling defendants’ potential liability

under Cal. Code Civ. Proc. Section 877.6, concluding that “if…there is not substantial evidence to

support a critical assumption as to the nature and extent of a settling defendant’s liability, then a

determination of good faith based upon such assumption is an abuse of discretion.”]; Tire

Distributors, Inc. v. Cobrae (2005) 132 Cal. App. 4th 538, 544 [“We defer to the trial court’s

factual finding so long as they are supported by substantial evidence, and determine whether,

under those facts, the court abused its discretion. If there is no evidence to support the court’s

findings, then an abuse of discretion has occurred.”]; Stack v. Stack (1961) 189 Cal. App. 2d 357,

368 [“[w]e find no authority distinguishing between insufficient evidence and abuse of discretion.

It would seem obvious that, if there were no evidence to support the decision, there would be an

abuse of discretion.”].) Here, the settling parties have failed to submit requisite evidence and

analysis, and instead rely on rote incantations about the desirability of settlement and the risks of

further litigation all the while failing to monetize the scope of the release.

B. THERE IS INSUFFICIENT EVIDENCE OR ANALYSIS OF THE INFORMATION

REVEALED IN PLAINTIFFS’ INVESTIGATION TO SUPPORT AN INITIAL

PRESUMPTION OF FAIRNESS IN LIGHT OF THE SCOPE OF THE RELEASE

Dunk v. Ford Motor Co. (1996) 48 Cal. App. 4th 1794, 1801-1802, opines there is an

initial presumption of fairness when: “(1) the settlement is reached through arm’s-length

bargaining; (2) investigation and discovery are sufficient to allow counsel and the court to act

intelligently; (3) counsel is experienced in similar litigation; and (4) the percentage of objectors is

small.” Id.

However, the Kullar court expressed considerable doubt about the continued viability of

the Dunk presumption, noting that the Dunk court relied on “an earlier version of Newberg on

Class Actions” when it articulated it. Kullar, 168 Cal. App. 4th at 128. Indeed, the presumption

articulated in Dunk seems to be based upon the Dunk court’s doubt that the burden of proving the

fairness of the settlement should be upon the settling parties in the first place. Dunk, 48 Cal. App.

4th at 1801-1802. Regardless, the Kullar court explained that any such presumption did not

withstand the need for the court to require evidence and analysis of the value of the settlement

versus the strength of plaintiffs’ claims and, lacking that, there was no presumption. Kullar, 168

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Cal. App. 4th at 129 [“Assuming that there is a ‘presumption’ such as Dunk asserts, its invocation

is not justified by the present record.”].) The Clark court, too, made it clear that the Dunk

presumption did not affect the ultimate burden of proof or the evidence required to support it,

because the trial court has a duty to conduct an independent evaluation of the settlement even in

the absence of objection. Clark, 175 Cal. App. 4th at 801.

As in Kullar and Clark, the invocation of the initial presumption of fairness in this case is

unwarranted, there is insufficient evidence supporting this settlement; the investigation and

discovery were insufficient to enable the court to act intelligently especially when measured

against the scope of the release. As Kullar and Clark make clear, it is not enough that class

counsel have taken discovery and satisfied themselves that the settlement is fair: the parties must

provide evidence and argument directed at supplying the trial court with the information necessary

to compare the value of the settlement against the strength of plaintiffs’ case. “A class action

settlement, where a class representative purports to settle third party claims, is subject to particular

scrutiny, because the trial court, as guardian of the class, must independently satisfy itself that the

consideration received for a release of class claims is reasonable in light of the magnitude of the

release.” Villacres v. ABM Industries Inc. et al. (2010) 189 Cal. App. 4th 562, 597 (dissent by

Chaney)(citing Clark, 175 Cal. App. 4th at 799-800; Kullar, 168 Cal. App. 4th at 129).

Here, as in Kullar, “There was nothing before the court to establish the sufficiency of class

counsel’s investigation other than their assurance that they had seen what they needed to see.”

Kullar, 168 Cal. App. 4th at 129. As discussed supra and infra, the settling parties’ failure to

provide adequate evidence and analysis precludes the trial court from weighing the benefits

offered in the settlement especially when squared against the broadness of the release. Indeed,

after assessing the value of the settlement relief offered to the class, the next step is to analyze it in

light of the strength of plaintiffs’ claims, i.e., the possibility of a greater recovery after further

litigation. Although the trial court is not required to decide the ultimate merits of the class

members’ claims before approving the settlement, “an informed evaluation cannot be made

without an understanding of the amount in controversy and the realistic range of outcomes of the

litigation.” Kullar, 168 Cal. App. 4th at 120.

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In Kullar, the panel faulted the settling parties because they failed to provide any

declarations detailing their investigation of the claims and the factual circumstances surrounding

the claims, failed to provide any “analysis of the factual and legal issues that required resolution”

to determine damages, failed to provide any “estimated quantification” of the potential recovery,

nor any explanation of the factors “considered in discounting the potential recovery for the

purposes of settlement.” Kullar, 168 Cal. App. 4th at 128-29.

The panel in Clark, too, faulted the trial court for failing to provide sufficient legal analysis

of the strength of the plaintiff’s case in approving the settlement, reiterating that “[I]t is not

possible for a court to evaluate the ‘strength of the case for plaintiffs on the merits’” as required by

Kullar, “with no regard at all for whether or not a legal issue exists that may have a significant

impact on the value of the claim.” Clark, 175 Cal. App. 4th at 803.

Here, the problem is similar. Though Class counsel claims to have taken significant fact

discovery, none of the relevant discovery is now before the trial court, either to estimate the

amount of restitution or damages (to the extent this was obtainable) at stake or to clarify the issue

of Defendants’ potential liability especially when balanced against the magnitude of the release.

C. THE SHORT AND INCOMPLETE VALUATION OF PLAINTIFFS’ CLAIMS

Put simply, evidence in support of the proposed settlement seems to focus exclusively on

Defendants’ interchange and discount fees and does not take into account, for example, “finance

charges” let alone the myriad undefined and all encompassing “charges of any kind” Defendants

are notorious for foisting upon class members. There is also no apparent effort to meaningfully

deal with Plaintiffs’ alleged unfair practices or antitrust violations tethered to similar interest rates

and fees charged by the Visa and MasterCard associations’ members to bankcard holders or set by

individual member financial institutions through duality. Plaintiffs alleged that “duality has led to

similar interest rates and fees charged by the Visa and MasterCard associations’ members to

bankcard holders, and similar discount rates charged to merchants accepting Visa and

MasterCard. (Consolidated Amended Complaint p. 11, ¶ 40) (emphasis added). Plaintiffs do not

appear to have monetized the release of “finance charges” that would inure to, for example,

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“member financial institutions” either.

Even if member financial institutions did not engage in a conspiracy (contrary to Plaintiffs’

claims) in setting finance charges and/or interest rates or the host of other applicable charges, the

settling parties make no effort to square the value of the release that shall inure to individual

membership banks. Put simply, no monetization was offered with respect to finance charges or

the myriad other valuable charge claims which encompass such things as annual fees, balance

transfer fees, finance charges, membership fees, reward fees, reward redemption fees, cash

advance fees, late fees, pay by phone fees, duplicate statement copy fees, paper transaction fees,

replacement card fees, reward recovery fees, activity fees, non-activity fees, payment protection

fees, and over-the-limit fees all of which are impacted per Plaintiffs by anticompetitive practices

based on “duality.” If there could be a basis for imposition of a fee or charge, Defendants surely

would have found a way to craft one. Unfortunately, Plaintiffs release these claims altogether for

inconsequential indirect relief meant to only address two limited network specific charges.

D. PRESERVATION OF INDIVIDUAL CLAIMS IS AN ILLUSORY BENEFIT

It is likewise no answer to say that class members who do not like the settlement can

simply opt-out or that individualized claims are preserved: a possibly unfair settlement is not

rendered fair merely because a class member can opt-out of it, and individuals who opt-out, even

if their claims are large enough to warrant individual pursuit, lose the economies of scale and

bargaining power attending a class action. Trotsky v. Los Angeles Federal Savings and Loan

Association (1975) 48 Cal. App.3d 134, 139-140 quoting Ace Heating & Plumbing Company v.

Crane Company (3d Cir. 1971) 453 F.2d 30,33, [“[Fed.] Rule [Civ. Proc.] 23 recognizes the fact

that many small claimants frequently have no litigable claims unless aggregated. So, without court

approval and a subsequent right to ask for review, such claimants would be faced with equally

unpalatable alternatives -accept either nothing at all or a possibly unfair settlement.”].)

E. THE PROPOSED CY PRES DISTRIBUTION DOES NOT BENEFIT CLASS MEMBERS

The Proposed Settlement is not fair and does not benefit class members because: (i) more

than 99.5% of the entire settlement funds are being distributed to charitable and other

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organizations, without any direct distribution to class members; and (ii) even if one were to

assume that a cy pres distribution is the only possible alternative here, (it is not clear that this is

the only available method of distribution) the proposed distributions do not directly or indirectly

benefit the class.

Primarily, the court is entrusted with determining whether a proposed settlement is fair to

the class members. Here, the proposed settlement does not provide for any distribution to class

members. Instead 99.5% of the over $21 million settlement is to be distributed to among more

than 150 national and California charitable organizations. The remaining .5% of the settlement

funds is intended to cover administrative expenses associated with making these distributions.

Evidently, the proposed settlement is not even attempting to locate class members and make

appropriate distributions to them. Instead, almost all of the funds are being diverted without

providing any benefit to class members. Unfortunately, the only real beneficiaries of this

settlement are plaintiff’s attorneys. Where the proposed settlement does not make any distribution

to class members, it is not fair and reasonable. Under the circumstances, the proposed settlement

must not be approved.

Additionally, even the proposed distributions to charitable organizations do not benefit

class members or “fulfill the purpose of the underlying cause of action.” Here, almost the entire

settlement funds of over $21 million are being treated as unpaid residuals because these funds are

being distributed to national and California charitable organizations. The distribution of the

settlement funds to these charitable organizations does not promote the interest of the class

members, or promote the purpose of the class action and is not in keeping with accepted legal

standards for cy pres distributions. California Code of Civil Procedure section 384 provides a

framework for the distribution of unpaid residuals in class actions. Code of Civil Procedure

section 384(a) provides that “It is the intent of the Legislature in enacting this section to ensure

that the unpaid residuals in class action litigation are distributed, to the extent possible, in a

manner designed either to further the purposes of the underlying causes of action, or to promote

justice for all Californians.” (emphasis added). In State of California v. Levi Strauss & Co.,

(1986) 41 Cal.3d 460, the Supreme Court considered the problems presented where the “proof of

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individual damages by competent evidence is not feasible. Each individual's recovery may be too

small to make traditional methods of proof worthwhile. In addition, consumers are not likely to

retain records of small purchases for long periods of time.” Id. 472 The court considered the cy

pres doctrine, which it denominated “fluid recovery.” Id. 472 The court held that “The propriety of

fluid recovery in a particular case depends upon its usefulness in fulfilling the purposes of the

underlying cause of action.” (emphasis added) Id. 472 Later California class action cases have

also held that, “when it is not possible or practicable in a class action judgment to compensate

class members according to their respective damages, the best alternative for the court is to award

damages in a way that benefits as many of the class members as possible….” (In re Vitamin

Cases, (2003) 107 Cal.App.4th 820,826) Where, the settlement proposes a cy pres distribution,

must “the trial court must scrutinize the agreement and approve it only after determining that it is

fair, adequate, and reasonable. In making this determination it must further consider whether the

proposed cy pres distribution is useful in fulfilling the purposes of the underlying cause of action.”

In In re Microsoft I-V Cases (2006) 135 Cal.App.4th 706, 724. A similar standard of determining

the fairness of cy pres distributions have been adopted by Federal courts. In Dennis v. Kellogg

Co. 697 F.3d 858 (9th

Cir., 2012), the 9th

Circuit court held that, “[t]o avoid the ‘many nascent

dangers to the fairness of the distribution process,’ we require that there be ‘a driving nexus

between the plaintiff class and the cy pres beneficiaries.’” Id at 5 (quoting Nachshin v. AOL, LLC,

663 F.3d 1034, 1038 (9th

Cir. 2011)). In the third circuit, generally, “the court should consider (1)

the objectives of the underlying statute(s), (2) the nature of the underlying suit, (3) the interests of

the class members, and (4) the geographic scope of the case.” Schwartz v. Dallas Cowboys

Football Club, Ltd., 362 F. Supp 2d 574, 576 (2005, E.D Pennsylvania) citing to In re Airline

Ticket Comm'n Antitrust Litig., 307 F.3d 679, 682 (8th Cir.2002). Therefore, the court must

carefully scrutinize the cy pres distribution to ascertain whether the intended distributions provide

any benefit to class members. Here, the cy pres distributions fail under such a scrutiny. For

instance, distributions to Boys and Girls clubs of various different cities are intended cy pres

recipients and Guide dogs of America (No. 132 of list, page 4 of 6 of cy pres distributions). These

organizations are worthy charitable causes. However, distributions to these organizations do not

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PROOF OF SERVICE

I, Maria V. Carapia, declare under penalty of perjury that I: am a citizen of the United

States; am over the age of 18 years; am employed by Law Offices of Darrell Palmer PC, 603 N.

Highway 101, Suite A, Solana Beach CA 92075; am not a party to or interested in the cause

entitled upon the document to which this Proof of service is affixed; and that I served a true and

correct copy of the following document(s) in the manner indicated below:

AMENDED OBJECTION TO PROPOSED CLASS ACTION SETTLEMENT AND

NOTICE TO APPEAR AT FAIRNESS HEARING

(x) By today depositing, at Solana Beach, California, the said

document(s) in the United States mail in a sealed envelope, with a

first-class postage thereon fully prepaid; (and/or)

( ) By facsimile transmission to the parties listed below;

(x) By electronic mail to the parties listed below;

( ) By overnight mail to the parties listed below;

( ) By today personally delivering the said document(s) to the person(s)

indicated below in a manner provided by law, by handing them the

documents or by leaving the said document(s) at the office(s) or usual

place(s) of business, during usual business hours, of the said person(s)

with a clerk or other person who was apparently in charge thereof and

at least 18 years of age, whom I informed of the contents.

See Attached Service List.

Dated: February 19, 2013 __________________________

Maria V. Carapia

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PLAINTIFFS’ COUNSEL: BY ELECTRONIC MAIL

Robert Schubert

Schubert Jonckheer & Kolbe LLP

Three Embarcadero Center, Suite 1650

San Francisco, CA 94111

Telephone: (415) 788-4220

Facsimile: (415) 788-0161

[email protected]

Attorneys for Richard S.E. Johns

Guido Saveri / R. Alexander Saveri

Geoffrey C. Rushing / Cadio Zirpoli

Saveri & Saveri, Inc.

706 Sansome Street

San Francisco, CA 94111

Telephone: (415) 217-6810

Facsimile: (415) 217-6813

[email protected]

[email protected]

Attorneys for Richard S. E. Johns

Maxwell M. Blecher

Donald R. Pepperman

Blecher & Collins, P.C.

515 S. Figueroa Street, Suite 1750

Los Angeles, CA 90071

Telephone: (213) 622-4222

Facsimile: (213) 622-1656

[email protected]

Attorneys for Mark Wallgren, Sury

Romero, and Robert Carlos Martinez

Jonathan W. Cuneo / Daniel M. Cohen

Jon A. Tostrud

Cuneo Waldman & Gilbert, LLP

317 Massachusetts Ave., N.E., Suite 300

Washington, D.C. 20002

Telephone: (202) 789-3960

Facsimile: (202) 789-1813

[email protected]

[email protected]

Attorneys for Mark Wallgren, Sury

Romero, and Robert Carlos Martinez

Gordon Ball

Ball & Scott

550 Main Ave., Suite 750

Knoxville, TN 37902

Telephone: (865) 525-7028

Facsimile: (865) 525-4679

[email protected]

Attorneys for Mark Wallgren,Sury

Romero, and Robert Carlos Martinez

Steve W. Berman / George W. Sampson

Hagens Berman Sobol Shapiro LLP

1301 Fifth Avenue, Suite 2900

Seattle, WA 98101

Telephone: (206) 623-7292

Facsimile: (206) 623-0594

[email protected]

[email protected]

Attorneys for Ana C. Lossada

Reginald Terrell

The Terrell Law Group

P.O. Box 13315

Oakland, CA 94661

Telephone: (510) 237-9700

Facsimile: (510) 237-4616

[email protected]

Attorneys for Crystal DeFrantz and

Marion Anderson

C. Donald Amamgbo

Amamgbo & Associates

7901 Oakport Street, #4900

Oakland, CA 94621

Telephone: (510) 434-7800

Facsimile: (510) 434-7804

[email protected]

Attorneys for Crystal DeFrantz and

Marion Anderson

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Amended Objection to Proposed Class Action Settlement - Page 12 Case No. CGC-03-004335

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Kimberly A. Kralowec

The Kralowec Law Group

188 The Embarcadero, Suite 800

San Francisco, CA 94105

Telephone: (415) 546-6800

Facsimile: (415) 546-6801

[email protected]

Attorney for Richard S.E. Johns

Josef Cooper / Tracy R. Kirkham

Cooper & Kirkham, P.C.

357 Tehama Street, 2nd Flr.

San Francisco, CA 94103

Telephone: (415) 788-3030

Facsimile: (415) 882-7040

[email protected]

[email protected]

Attorneys for Amy Miller

Emelike I. Kalu

Law Offices Of Emelike I. Kalu, APC

315 W 9th Street, Suite 603

Los Angeles, CA 90015

Telephone: (213) 624-1500

Facsimile: (213) 624-9476

[email protected]

Attorneys for Michael I. Kalu

Chief Mnamdi A. Ekenna

The Ekenna Law Firm, APC

4311 Wilshire Bouelvard, Suite 612-B

Los Angeles, CA 90010-3717

Telephone: (323) 954-1000

Facsimile: (323) 954-1001

[email protected]

Attorneys for Wambura N. Mkono, Sebron

Johnson, and the Class

Joseph M. Patane

Law Offices Of Joseph M. Patane

2280 Union Street

San Francisco, CA 94123

Telephone: (415) 563-7200

Facsimile: (415) 346-0679

[email protected]

Attorneys for Karen Brock

Mario N. Alioto / Lauren Russell

Trump, Alioto, Trump & Prescott, LLP

2280 Union Street

San Francisco, CA 94123

Telephone: (415) 563-7200

Facsimile: (415) 346-0679

[email protected]

[email protected]

Attorneys for Karen Brock

Rosemary Rivas

Finkelstein Thompson & Loughran

100 Bush Street, Suite #1450

San Francisco, CA 94104

Telephone: (415) 398-8700

Facsimile: (415) 398-8104

[email protected]

Attorneys for Foad Ahmadi and Iman Sadri

Lionel Z. Glancy / Avi N. Wanger

Glancy Binkow & Goldberg LLP

1801 Avenue of the Stars, Suite 311

Los Angeles, CA 90067

Telephone: (310) 201-9150

Facsimile: (310) 201-9160

[email protected]

Attorneys for Lindsey Rosenthal

Susan G. Kupfer

Glancy Binkow & Goldberg, LLP

One Embarcadero Center, Suite 760

San Francisco, CA 94111

Telephone: (415) 972-8160

Facsimile: (415) 972-8166

[email protected]

Attorneys for Lindsey Rosenthal

Marc M. Seltzer / Amy T. Brantly

Susman Godfrey L.L.P.

1901 Avenue of the Stars, Suite 950

Los Angeles, CA 90067

Telephone: (310) 789-3100

Facsimile: (310) 789-3150

[email protected]

[email protected]

Attorneys for Carmela Chiurazzi

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Neal S. Manne / Mark Evetts

Susman Godfrey L.L.P.

1000 Louisiana Street

Houston, TX 77002

Telephone: (713) 651-9366

Facsimile: (713) 654-6666

[email protected]

Attorneys for Carmela Chiurazzi

Ali Oromchian

Dental Counsel, P.C.

2603 Carmino Ramon, Suite 200

San Ramon, CA 94583

Telephone: (925) 242-2511

Facsimile: (925) 884-1725

[email protected]

Attorneys for Foad Ahmadi

DEFENDANTS’ COUNSEL: BY ELECTRONIC MAIL AND U.S. MAIL

Robert J. Vizas / Sharon D. Mayo

Arnold & Porter LLP

One Embarcadero Center, 22nd Floor

San Francisco, CA 94111-3711

Telephone: (415) 356-3000

Facsimile: (415) 356-3099

[email protected]

[email protected]

Attorneys for Visa U.S.A. Inc. and

Visa International Service

Association

Robert C. Mason

Arnold & Porter LLP

399 Park Avenue

New York, NY 10022-4690

Telephone: (212) 715-1000

[email protected]

Attorneys for Visa U.S.A. and Visa

International Service Association

Kenneth A. Gallo / Patricia C. Crowley

Paul, Weiss, Rifkind, Wharton &

Garrison LLP

1615 L Street, N.W.

Washington, D.C. 20006-5694

Telephone: (202) 223-7300

Facsimile: (202) 223-7420

[email protected]

[email protected]

Attorneys for MasterCard

International Inc.

Gary R. Carney

Paul, Weiss, Rifkind,Wharton & Garrison LLP

1285 Avenue of the Americas

New York, NY 10019

Telephone: (212) 373-3000

Facsimile: (212) 757-3990

[email protected]

Attorneys for MasterCard International Inc.

Gary L. Halling / Thomas D. Nevins

Michael W. Scarborough

Shepard, Mullin, Richter & Hampton

LLP

Four Embarcadero Center, 17th Floor

San Francisco, CA 94111

Telephone: (415) 434-9100

Facsimile: (415) 434-3947

[email protected]

[email protected]

[email protected]

Attorneys for MasterCard

International Inc.

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OBJECTORS COUNSEL: BY ELECTRONIC MAIL

Thomas V. Girardi / Graham B. LippSmith

Girardi Keese

1126 Wilshire Boulevard

Los Angeles, CA 90017-1904

[email protected]

Attorneys for Objector and Plaintiff

in James Attridge v. Visa U.S.A., Inc.

et al., Case No. CGC-04-436920

Lingel H. Winters

Law Offices Of Lingel H. Winters, P.C.

275 Battery Street, Suite 2600

San Francisco, CA 94111

[email protected]

Attorneys for Objector and Plaintiff

In James Attridge v. Visa U.S.A.,

Inc., et al. Case No. CGC-04-436920

Joseph M. Alioto / Theresa D. Moore

Alioto Law Firm

225 Bush Street, Suite 1615

San Francisco, CA 94104

Telephone: 415-434-8900

Facsimile: 415-434-9200

[email protected]

[email protected]

Attorneys for Appellant Objector Salveson

Martin N. Buchanan

Law Offices Of Marin N. Buchanan

600 B Street, Suite 1900

San Diego, CA 92101

[email protected]

Attorneys for Objector and Plaintiff

in James Attridge v. Visa U.S.A., Inc.,

et al. Case No. CGC-04-436920

CLASS COUNSEL SERVED BY U.S. MAIL

Craig Corbitt / Judith A. Zahid

Jose M. Umbert / Heather T. Rankie

Zelle Hofmann Voelbel & Mason LLP

44 Montgomery Street, Suite 3400

San Francisco, CA 94104

Telephone: (415) 693-0700

Facsimile: (415) 693-0700