SAN FRANCISCO - The existence of five contracts handling fee disclosures differently, contested store signage and oral representations creates individualized issues and required denying class certification of California unfair competition law (UCL) claims, a Ninth Circuit U.S. Court of Appeals panel affirmed Feb. 3 (Benjamin Berger, et al. v. Home Depot USA Inc., DBA The Home Depot, No. 11-55592, 9th Cir.; 2014 U.S. App. LEXIS 2059).