Thomas (33) and Elizabeth Pay (30) live with their three children Georgo/George (4) a scholar born in their mother's hometown of Paglesham, Essex; Herbert Thomas (2) and Frank (7 months) both from Portsea, Hants. Thomas Pay works as a Gardener. It is not clear if Thomas Pay is the ancestor of the Frank Pay pursued in this family line. When Frank Pay and Florence Amelia Blaber marry in 1901, Frank's deceased father is named as Charles.

Frank Pay (29) and Florence Amelia Blaber (23) are married by W. Langford in the presence of Florence's dad Richard Blaber who is a Plumber, and Clara Blaber (who may be her mother Thama or other relative). Frank Pay works as a Carman and his father Charles Pay is now deceased. Both Frank and Florence live at Wood Street.

Frank and Florence Amelia Pay (formerly Blaber) give birth to the kind and gentle Horace Leonard Pay. Frank works as a Carman and Journeyman.