Opinion of Advocate General Hogan delivered on 21 March 2019.#Ottília Lovasné Tóth v ERSTE Bank Hungary Zrt.#Request for a preliminary ruling from the Fővárosi Ítélőtábla.#Reference for a preliminary ruling — Consumer protection — Directive 93/13/CEE — Unfair terms in consumer contracts — Article 3(1) and (3) — Annex to Directive 93/13/EEC — Point 1(m) and (q) — Loan agreement secured by a mortgage — Notarial instrument — Affixation of the enforcement clause by a notary — Reversal of the burden of proof — Article 5(1) — Plain and intelligible drafting.#Case C-34/18.