Hello Bee
Thanks for your reply, how on earth did you find that!!!!
I do think that this is the Townsend family as they had a son born 1891 in Maidstone, Kent, possibly after the census.
Says that Ernest Henry occ. Back Clerk, must mean Bank Clerk, can't find Ernest in 1901 census, but do have Flora and two sons living Hertfordshire. In 1911 census Ernest occ is Commercial Traveller.
Thanks again