94In the assessment of any unfairness of a contractual term, Article 4(1) of Directive 93/13 states that the answer should be reached taking into account the nature of the goods or services for which the contract was concluded and by referring, at the time of conclusion of the contract, to all the circumstances attending the conclusion of the contract (see, to that effect, order of 16 November 2010 in Pohotovosť, C‑76/10, EU:C:2010:685, paragraph 59, and judgment of 9 July 2015 in Bucura, C‑348/14, EU:C:2015:447, paragraph 48).
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