Case C-405/21: Judgment of the Court (Tenth Chamber) of 13 October 2022 (request for a preliminary ruling from the Višje sodišče v Mariboru — Slovenia) — FV v NOVA KREDITNA BANKA MARIBOR d.d. (Reference for a preliminary ruling — Consumer protection — Directive 93/13/EEC — Unfair terms in consumer contracts — Article 3(1) and Article 8 — Criteria for assessing the unfairness of a contractual term — Significant imbalance between the parties’ rights and obligations under the contract — Requirement of good faith on the part of the seller or supplier — Possibility of ensuring a higher level of protection than that provided for in the directive)