Fay Ann (Burton) Jostes was born on July 27, 1943 in Las Vegas, Nevada. Shortly after her father’s military service ended, the family moved to Berkeley, Michigan, where she grew up. Fay's mother was a descendant of a long time Rochester, Illinois family (the Baileys), and she spent many summers in Rochester, Illinois as a child. Fay graduated from Berkeley High School in 1961. She married David Jostes of Rocherster in 1963. Fay worked for J. C. Penney’s for eight years, then worked for the Rochester State Bank for twenty-eight years.