28Admittedly, Article 1(2) of Directive 93/13 excludes from the scope of that directive contractual terms which reflect ‘mandatory statutory or regulatory provisions’, an expression which, in the light of the thirteenth recital of that directive, encompasses both provisions of national law which apply between contracting parties irrespective of their choice and those which are supplementary in nature, that is to say, which apply by default, in the absence of other arrangements established by the parties (see, to that effect, judgment of 3 March 2020, Gómez del Moral Guasch, C‑125/18, EU:C:2020:138, paragraphs 29 to 32, and order of 14 April 2021, Credit Europe Ipotecar IFN and Credit Europe Bank, C‑364/19, EU:C:2021:306, paragraph 27 and the case-law cited).
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