Judgment of the Court (Seventh Chamber) of 29 April 2021.#I.W. and R.W. v Bank BPH S.A.#Request for a preliminary ruling from the Sąd Okręgowy w Gdańsku.#Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Effects of a finding that a term is unfair – Mortgage loan agreement denominated in a foreign currency – Determination of the exchange rate between currencies – Novation agreement – Deterrent effect – Obligations of the national court – Article 6(1), and Article 7(1).#Case C-19/20.