Ruth Stephan was born to retail merchant Kurt Stephan and his wife Kriemhilde. In 1876 Fannie married retail merchant C.P. (Charles Pleasant) Bishop. Johnson was educated at Ryerson Polytechnical School in Toronto, and worked as a retail merchant. In 2001, Paymentech completed the largest retail merchant conversion and launched its Orbital Gateway. The "Highlands" was built for Alfred James Hordern, a retail merchant, and his wife, Caroline. He was born in Frasers Mills, Nova Scotia and became a retail merchant by career. After a commercial apprenticeship, he started his own business as a retail merchant in Szczecin.