Judgment of the Court (First Chamber) of 27 January 2021.#Dexia Nederland BV v XXX and Z.#References for a preliminary ruling from the Gerechtshof te Amsterdam and Gerechtshof Den Haag.#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.#Joined Cases C-229/19 and C-289/19.