Case C-593/22, First Bank: Judgment of the Court (Eighth Chamber) of 6 July 2023 (request for a preliminary ruling from the Tribunalul Specializat Cluj — Romania) — FS and WU v First Bank SA (Reference for a preliminary ruling — Consumer protection — Directive 93/13/EEC — Unfair terms in consumer contracts — Scope — Article 1(2) — Exclusion of contractual terms reflecting mandatory statutory or regulatory provisions — Credit agreement denominated in a foreign currency — Terms relating to the exchange rate — Presumption of knowledge of the law)