In this Schedule—

• “consumers” means persons who are consumers for the purposes of section 138;

• “Treaty firm” means a person—

  1. a

     whose head office is situated in an EEA State (its “home state”) other than the United Kingdom; and

  2. b

     which is recognised under the law of that State as its national; and

• “home state regulator”, in relation to a Treaty firm, means the competent authority of the firm’s home state for the purpose of its home state authorisation (as to which see paragraph 3(1)(a)).