48In that regard, it should be noted, secondly, that, concerning contractual terms relating to exchange rate risk, it follows from the Court’s case-law that such terms, in so far as they define the main subject matter of the loan contract, come within Article 4(2) of Directive 93/13, and escape the assessment as to whether they are unfair only in so far as the national court having jurisdiction considers, following a case-by-case examination, that they were drafted by the seller or supplier in plain intelligible language (see, to that effect, judgment of 20 September 2018, OTP Bank and OTP Faktoring, C‑51/17, EU:C:2018:750, paragraph 68 and the case-law cited).
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