Court of Justice 11 September 2014, Case C-382/12 P: Judgment of the Court (Third Chamber) of 11 September 2014  — MasterCard Inc., MasterCard International Inc., MasterCard Europe SPRL v European Commission, Banco Santander SA, Royal Bank of Scotland plc, HSBC Bank plc, Bank of Scotland plc, Lloyds TSB Bank plc, MBNA Europe Bank Ltd, British Retail Consortium, EuroCommerce AISBL, United Kingdom of Great Britain and Northern Ireland (Appeal — Cross-appeals — Admissibility — Article 81 EC — Open system of payment by debit, charge and credit cards — Multilateral fallback interchange fees — Association of undertakings — Restrictions of competition by effect — Standard of judicial review — Concept of ‘ancillary restriction’  — Objectively necessary and proportionate nature — Appropriate ‘counterfactual hypotheses’  — Two-sided systems — Treatment of annexes to the application at first instance)

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