
    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.
    Submitted September 16, 2013;
    decided October 10, 2013
    
      See 711 F3d 261.
   Motion by AARP et al. for leave to file a brief amici curiae on consideration of the certified questions herein granted and the proposed brief is accepted as filed. Two copies of the brief must be served and nine copies filed within seven days.  