87If, following that analysis, the term were found to be unfair, it would be for that court to exclude its application so that it would not produce binding effects with regard to the consumer, unless the consumer objects (judgment of 16 July 2020, Caixabank et Banco Bilbao Vizcaya Argentaria, C‑224/19 and C‑259/19, EU:C:2020:578, paragraph 50).
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