<?xml version="1.0" encoding="utf-8"?>
<!-- Created by Charles Hoffman, CPA 2016-03-30 -->
<schema
  xmlns="http://www.w3.org/2001/XMLSchema"
  xmlns:xbrli="http://www.xbrl.org/2003/instance"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:fac-combined="http://www.xbrlsite.com/2014/Protototype/fac/combined"
  xmlns:fac="http://www.xbrlsite.com/2014/Protototype/fac"
  xmlns:fro-xbrl="http://www.xbrlsite.com/2014/Protototype/fro-xbrl"
  xmlns:generic="http://xbrl.org/2008/generic"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
  targetNamespace="http://www.xbrlsite.com/2014/Protototype/fac/combined"
  elementFormDefault="qualified"
  attributeFormDefault="unqualified">
  <annotation>
    <appinfo>
      <link:linkbaseRef xlink:type="simple"
        xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef"
        xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"
        xlink:href="fac-presentation.xml"
        xlink:title="Label Links, all" />
      <link:linkbaseRef xlink:type="simple"
        xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef"
        xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"
        xlink:href="fac-calculation.xml"
        xlink:title="Label Links, all" />
      <link:linkbaseRef xlink:type="simple"
        xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef"
        xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"
        xlink:href="fac-definition.xml"
        xlink:title="Label Links, all" />
      <link:linkbaseRef xlink:type="simple"
        xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef"
        xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"
        xlink:href="fac-label.xml"
        xlink:title="Label Links, all" />
      <link:linkbaseRef xlink:type="simple"
        xlink:role="http://www.xbrl.org/2003/role/referenceLinkbaseRef"
        xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"
        xlink:href="fac-reference.xml"
        xlink:title="Reference Links, all" />
    </appinfo>
  </annotation>
  <import
    namespace="http://www.xbrl.org/2003/instance"
    schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <import
    namespace="http://www.xbrlsite.com/2014/Protototype/fac"
    schemaLocation="fac.xsd" />
</schema>