1PRECEDENTIALUNITED STATES COURT OF APPEALSFOR THE THIRD CIRCUIT Nos. 06-3392/3405SOVEREIGN BANK,Appellant No: 06-3392v.BJ'S WHOLESALE CLUB, INC.;FIFTH THIRD BANCORP PENNSYLVANIA STATE EMPLOYEES CREDIT UNIONAppellant No: 06-3405v.FIFTH THIRD BANK;BJ'S WHOLESALE CLUB, INC.BJ'S WHOLESALE CLUB, INC.Defendant/Third-Party Plaintiff

2v.INTERNATIONAL BUSINESS MACHINESCORPORATION, INC.Third-Party Defendant Appeals from the United States District Courtfor the Middle District of Pennsylvania(Civ. Nos. 05-cv-01150/04-cv-01554)District Judge: Hon. William W. CaldwellArgued: June 19, 2007Before: McKEE, FISHER and CHAGARES,Circuit Judges(Opinion filed: July 16, 2008)JOSEPH WOLFSON, ESQ. (Argued)STACEY A. SCRIVANI, ESQ.Stevens & Lee620 Freedom Business Center P.O. Box 62330King of Prussia, PA 19406Attorneys for appellant, Sovereign Bank DONALD B. KAUFMAN, ESQ. (Argued)DEVIN CHWASTYK, ESQ.McNees Wallace & Nurick LLC100 Pine Street

3P.O. Box 1166Harrisburg, PA 17108Attorneys for appellant, PennsylvaniaState Employees Credit UnionJAMES W. PRENDERGAST, ESQ. (Argued)JENNIFER L. CARPENTER, ESQ.Wilmer Cutler Pickering Hale and Dorr LLP60 State StreetBoston, MA 02109GORDON PEARSON, ESQ.MARIO J. WEBER, ESQ.Wilmer Cutler Pickering Hall and Dorr LLP1875 Pennsylvania Ave., NWWashington, D.C. 2006RICHARD L. KREMNICK, ESQ.CHRISTOPHER A. LEWIS, ESQ.LEWIS W. SCHLOSSBERG, ESQ.Blank Rome LLPOne Logan Square18th & Cherry StreetsPhiladelphia, PA 19103Attorneys for appellee, BJ’s Wholesale Club, Inc.W. BRECK WEIGEL, ESQ. (Argued)Vorys, Sater, Seymour & Pease LLP221 East Fourth StreetCincinnati, OH 45202