Fay was born on August 24th, 1899.1 Fay's father was John S Harding and his mother was Adelia F. Mckay. His paternal grandfather was Unknown Harding; his maternal grandparents were Henry O. Mckay and Mary. He had a brother and a sister, named Dane and Beatrice Mckay. He was the second oldest of the three children. He died at the age of 84 in December 1983.1