 A list of examples of unfair terms are set out in Schedule 2.In "DGFT v First National Bank plc" the House of Lords held that given the purpose of consumer protection, regulation 6(2) should be construed tightly and Lord Bingham stated good faith implies fair, open and honest dealing.This all meant that the bank's practice of charging its (higher) default interest rate to customers who had (lower) interest rate set by a court under a debt restructuring plan could, under regulation 6(2), be assessed for fairness, but that under regulation 5 the term did not create such an imbalance given the bank wished only to have its normal interest.