Case C-609/19: Judgment of the Court (First Chamber) of 10 June 2021 (request for a preliminary ruling from the Tribunal d’instance de Lagny-sur-Marne — France) — BNP Paribas Personal Finance SA v VE (Reference for a preliminary ruling — Consumer protection — Directive 93/13/EEC — Unfair terms in consumer contracts — Mortgage loan agreement denominated in a foreign currency (Swiss francs) — Article 4(2) — Main subject matter of the contract — Terms exposing the borrower to a foreign exchange risk — Requirements of intelligibility and transparency — Article 3(1) — Significant imbalance — Article 5 — Contractual term that is in plain, intelligible language)