Hi Lindsay,
I'd agree with all that's been said including Fund Holder, and Thos (with a superscript 's').
But it really is a very poor copy so if I were you I'd be submitting a Contact Form to SP. In the normal course of events, GROS will then post out a clear paper copy. And, if you then decide that Thos. is correct, you can ask them to correct the index - with a surname like SMITH the last thing other customers want are indexing errors!
Regards,
JAP