Joined Cases C-229/19 and C-289/19: Judgment of the Court (First Chamber) of 27 January 2021 (requests for a preliminary ruling from the Gerechtshof te Amsterdam, Gerechtshof Den Haag — Netherlands) — Dexia Nederland BV v XXX (C-229/19), Z (C-289/19) (Reference for a preliminary ruling — Consumer protection — Directive 93/13/EEC — Unfair terms in consumer contracts — Articles 3(1), 4(1) and 6(1) — Assessment of the unfairness of contractual terms — Term fixing in advance the creditor’s potential advantage in the event of termination of the contract — Significant imbalance in the parties’ rights and obligations under the contract — Date on which the imbalance must be assessed — Finding that a term is unfair — Consequences — Replacement of an unfair term with a supplementary provision of national law)