67Finally, account must be taken of Article 4(1) of Directive 93/13 in so far as it states that the unfairness of a contractual term is to be assessed, inter alia, by referring to all the other terms of the contract. In that regard, since, in the words of the preamble to Notice 5/1994, the IRPHs include the effect of fees, it may be relevant to examine the nature of any fees stipulated in other terms of the agreement at issue in the main proceedings, in order to ascertain whether there is a risk of paying twice for certain services provided by the lender.
Source: EUR-Lex, © European Union, 1998-2026. Reuse authorised under Decision 2011/833/EU.