
    Gary Cruz et al., Individually and on Behalf of All Others Similarly Situated, Appellants, v TD Bank, N.A., Respondent. Geraldo F. Martinez et al., Individually and on Behalf of All Others Similarly Situated, Appellants, v Capital One Bank, N.A., Respondent.
    Decided April 30, 2013
   Certification of questions by the United States Court of Appeals for the Second Circuit, pursuant to section 500.27 of the Rules of Practice of the Court of Appeals (22 NYCRR 500.27), accepted and the issues presented are to be considered after briefing and argument.

Concur: Chief Judge Lippman and Judges Graffeo, Read, Smith, Pigott and Rivera.  