Judgment of the Court (Eighth Chamber) of 30 May 2024.#UG v SC Raiffeisen Bank SA.#Reference for a preliminary ruling – Directive 93/13/EEC – Unfair terms in consumer contracts – Article 1(2) – Scope – Exclusion of contractual terms reflecting mandatory statutory or regulatory provisions – Supplementary agreement to a credit agreement notified by the seller or supplier to the consumer for the purpose of complying with national legislation – Article 3(2) – Contractual term which has not been individually negotiated – Failure of the consumer to sign the supplementary agreement – Presumption of tacit acceptance of that supplementary agreement – National case-law precluding the courts from reviewing whether a contractual term contained in such a supplementary agreement is unfair.#Case C-176/23.