35As regards the purpose of Directive 93/13, the Court has repeatedly held that the exclusion from the scope of that directive in Article 1(2) of that directive is justified by the fact that it is legitimate, in principle, to presume that the national legislature has struck a balance between all of the rights and obligations of the parties to certain contracts, a balance which the EU legislature has expressly intended to preserve (judgment of 10 June 2021, Prima banka Slovensko, C‑192/20, EU:C:2021:480, paragraph 32 and the case-law cited). Moreover, the Court has stated that the fact that the national legislature has struck such a balance does not constitute a condition for the application of the exclusion in Article 1(2) of Directive 93/13, but the justification for such an exclusion (see, to that effect, judgment of 9 July 2020, Banca Transilvania, C‑81/19, EU:C:2020:532, paragraph 27, and Order of 14 October 2021, NSV and NM, C‑87/21, not published, EU:C:2021:860, paragraph 31).
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