member of staff

any individual:

1. (a) working for a firm who is directly engaged in any of the MCD credit agreement activities 23A to 23D specified in TC Appendix 1.1;
1. (b) working for a firm or its appointed representative who has contact with a consumer in the course of those activities; or
1. (c) directly managing or supervising an individual referred to in (a) or (b) above.

[Note: article 4(11) of the MCD]