37It is for the national court, before which the case has been brought, to determine whether the clause in question falls within Article 1(2) of Directive 93/13 in the light of the criteria which have been identified by the Court, or in other words having regard to the nature, general scheme and stipulations of the of loan agreements in question, as well as their legal and factual background, while bearing in mind that, given the objective of consumer protection pursued by that directive, the exception provided for in Article 1(2) is to be interpreted strictly (see, to that effect, judgment of 20 September 2017, Andriciuc and Others, C‑186/16, EU:C:2017:703, paragraphs 30 and 31).
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