The Photographer is Hartsook in California with many locations.
On the back there is a name. Albert Bonnheim
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"Albert Bonnheim is known throughout California not more for his success as a merchant than for the great humanitarian work in which he has constantly been engaged since he came to the State in 1876. He has always found time aside from his duties as vice-president of the great retail mercantile firm of Weinstock, Lubin Co. to devote to movements for the betterment of his fellow man...."
His only son Joseph died at age 16. Albert himself died December 23,1916. His wife, Fanny Weinstock died in the early 1950s. David Lubin was related to Fanny.