Kendall

FOR PUBLICATION

UNITED STATES COURT OF APPEALS

FOR THE NINTH CIRCUIT

SHERI L. KENDALL, doing business  as Bala Hair Salon, James Maser, and Maiz Holding Co., Plaintiffs-Appellants, No. 05-16549 v.  D.C. No.

CV-04-04276-JSW

VISA U.S.A., INC., Mastercard International, Inc., Bank of OPINION America, N.A., Wells Fargo Bank, N.A., and U.S. Bank, N.A., Defendants-Appellees.  Appeal from the United States District Court for the Northern District of California Jeffrey S. White, District Judge, Presiding

Argued and Submitted June 11, 2007—San Francisco, California

Filed March 7, 2008

Before: Michael Daly Hawkins, A. Wallace Tashima, and Carlos T. Bea, Circuit Judges.

Opinion by Judge Bea

2183 2186 KENDALL v. VISA U.S.A., INC.

COUNSEL

Richard J. Archer, Archer & Hanson, Occidental, California and James A. Kopcke, Golden Kopcke, San Francisco, Cali- fornia, for the appellants.

Marie L. Fiala, Heller Ehrman, San Francisco, California; Robert Vizas, Arnold & Porter, LLP, San Francisco, Califor- nia; Jay N. Fastow, Debra J. Pearlstein, Gianluca Morello, Weil, Gotshal & Manges, LLP, New York, New York; Keila D. Ravelo, Wesley R.…