Judgment of the Court (First Chamber) of 25 November 2020.#Banca B. SA v A.A.A.#Request for a preliminary ruling from the Curtea de Apel Cluj.#Reference for a preliminary ruling – Consumer protection – Unfair terms in consumer contracts – Directive 93/13/EEC – Consequences of a term being found to be unfair – Replacement of the unfair term – Method for calculating the variable interest rate – Whether permissible – Referral of the parties to negotiations.#Case C-269/19.