Case C-260/18: Judgment of the Court (Third Chamber) of 3 October 2019 (request for a preliminary ruling from the Sąd Okręgowy w Warszawie — Poland) — Kamil Dziubak, Justyna Dziubak v Raiffeisen Bank International AG, prowadzący działalność w Polsce w formie oddziału pod nazwą Raiffeisen Bank International AG Oddział w Polsce, formerly Raiffeisen Bank Polska SA (Reference for a preliminary ruling — Directive 93/13/EEC — Consumer contracts — Unfair terms — Mortgage loan indexed to a foreign currency — Term relating to arrangement of the exchange rate between the currencies — Effects of a declaration that a term is unfair — Whether it is possible for the court to remedy unfair terms by having recourse to general terms of civil law — Assessment of the consumer’s interests — Continued existence of the contract without unfair terms)