Order of the Court (Sixth Chamber) of 10 November 2025.#JK and Others v Bank BPH S.A.#Reference for a preliminary ruling – Article 99 of the Rules of Procedure of the Court of Justice – Questions the answer to which may be clearly deduced from the Court’s existing case-law – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Effects of a finding that a term is unfair – Mortgage loan agreement indexed to a foreign currency – Determination of the exchange rate between currencies – Unfair element of a conversion clause – Deterrent effect – Obligations of the national court – Separate nature of the unfair element of the clause.#Case C-160/25.