<?xml version='1.0' encoding='utf-8'?>
<!-- Autogenerated -->
<!-- Created by Charles Hoffman, CPA 7/26/2021 11:14:30 AM -->
<!-- Public Domain Dedication: https://creativecommons.org/publicdomain/zero/1.0/ -->
<link:linkbase xmlns='http://www.xbrl.org/2003/linkbase' xmlns:xbrldt='http://xbrl.org/2005/xbrldt' xmlns:xsi='http://www.w3.org/2001/XMLSchema-instance' xmlns:xlink='http://www.w3.org/1999/xlink' xmlns:link='http://www.xbrl.org/2003/linkbase' xsi:schemaLocation='http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd'>
  <roleRef xlink:type='simple' xlink:href='http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel' roleURI='http://www.xbrl.org/2009/role/negatedLabel' />
  <roleRef xlink:type='simple' xlink:href='http://accounting.auditchain.finance/cm/cm-roles.xsd#originallyStatedLabel' roleURI='http://accounting.auditchain.finance/conceptual-model/cm-roles/roles/originallyStatedLabel' />
  <roleRef xlink:type='simple' xlink:href='http://www.xbrl.org/lrr/role/restated-2006-02-21.xsd#restatedLabel' roleURI='http://www.xbrl.org/2006/role/restatedLabel' />
   <link:roleRef xlink:type='simple' xlink:href='fac-roles.xsd#IncomeStatementSecuritiesBasedIncome3_CITI' roleURI='http://www.xbrlsite.com/fac/role/IncomeStatementSecuritiesBasedIncome3_CITI'/>
   <link:presentationLink xlink:type='extended' xlink:role='http://www.xbrlsite.com/fac/role/IncomeStatementSecuritiesBasedIncome3_CITI'>
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_IncomeStatementSecuritiesBasedIncomeTable' xlink:label='fac_IncomeStatementSecuritiesBasedIncomeTable' />
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_IncomeStatementLineItems' xlink:label='fac_IncomeStatementLineItems' />
      <link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='fac_IncomeStatementSecuritiesBasedIncomeTable' xlink:to='fac_IncomeStatementLineItems'  order='443' use='optional' />
   </link:presentationLink>

   <link:presentationLink xlink:type='extended' xlink:role='http://www.xbrlsite.com/fac/role/IncomeStatementSecuritiesBasedIncome3_CITI'>
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_IncomeStatementLineItems' xlink:label='fac_IncomeStatementLineItems' />
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_NetIncomeLossRollUp' xlink:label='fac_NetIncomeLossRollUp' />
      <link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='fac_IncomeStatementLineItems' xlink:to='fac_NetIncomeLossRollUp'  order='444' use='optional' />
   </link:presentationLink>

   <link:presentationLink xlink:type='extended' xlink:role='http://www.xbrlsite.com/fac/role/IncomeStatementSecuritiesBasedIncome3_CITI'>
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_NetIncomeLossRollUp' xlink:label='fac_NetIncomeLossRollUp' />
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_IncomeLossFromContinuingOperationsAfterTaxRollUp' xlink:label='fac_IncomeLossFromContinuingOperationsAfterTaxRollUp' />
      <link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='fac_NetIncomeLossRollUp' xlink:to='fac_IncomeLossFromContinuingOperationsAfterTaxRollUp'  order='445' use='optional' />
   </link:presentationLink>

   <link:presentationLink xlink:type='extended' xlink:role='http://www.xbrlsite.com/fac/role/IncomeStatementSecuritiesBasedIncome3_CITI'>
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_IncomeLossFromContinuingOperationsAfterTaxRollUp' xlink:label='fac_IncomeLossFromContinuingOperationsAfterTaxRollUp' />
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_IncomeLossFromContinuingOperationsBeforeTaxRollUp' xlink:label='fac_IncomeLossFromContinuingOperationsBeforeTaxRollUp' />
      <link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='fac_IncomeLossFromContinuingOperationsAfterTaxRollUp' xlink:to='fac_IncomeLossFromContinuingOperationsBeforeTaxRollUp'  order='446' use='optional' />
   </link:presentationLink>

   <link:presentationLink xlink:type='extended' xlink:role='http://www.xbrlsite.com/fac/role/IncomeStatementSecuritiesBasedIncome3_CITI'>
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_IncomeLossFromContinuingOperationsBeforeTaxRollUp' xlink:label='fac_IncomeLossFromContinuingOperationsBeforeTaxRollUp' />
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_RevenuesNetInterestExpenseRollUp' xlink:label='fac_RevenuesNetInterestExpenseRollUp' />
      <link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='fac_IncomeLossFromContinuingOperationsBeforeTaxRollUp' xlink:to='fac_RevenuesNetInterestExpenseRollUp'  order='447' use='optional' />
   </link:presentationLink>

   <link:presentationLink xlink:type='extended' xlink:role='http://www.xbrlsite.com/fac/role/IncomeStatementSecuritiesBasedIncome3_CITI'>
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_RevenuesNetInterestExpenseRollUp' xlink:label='fac_RevenuesNetInterestExpenseRollUp' />
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_NoninterestIncome' xlink:label='fac_NoninterestIncome' />
      <link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='fac_RevenuesNetInterestExpenseRollUp' xlink:to='fac_NoninterestIncome'  order='448' use='optional' />
   </link:presentationLink>

   <link:presentationLink xlink:type='extended' xlink:role='http://www.xbrlsite.com/fac/role/IncomeStatementSecuritiesBasedIncome3_CITI'>
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_RevenuesNetInterestExpenseRollUp' xlink:label='fac_RevenuesNetInterestExpenseRollUp' />
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_InterestAndDividendIncomeOperating' xlink:label='fac_InterestAndDividendIncomeOperating' />
      <link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='fac_RevenuesNetInterestExpenseRollUp' xlink:to='fac_InterestAndDividendIncomeOperating'  order='449' use='optional' />
   </link:presentationLink>

   <link:presentationLink xlink:type='extended' xlink:role='http://www.xbrlsite.com/fac/role/IncomeStatementSecuritiesBasedIncome3_CITI'>
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_RevenuesNetInterestExpenseRollUp' xlink:label='fac_RevenuesNetInterestExpenseRollUp' />
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_InterestExpense' xlink:label='fac_InterestExpense' />
      <link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='fac_RevenuesNetInterestExpenseRollUp' xlink:to='fac_InterestExpense'  order='450' use='optional' />
   </link:presentationLink>

   <link:presentationLink xlink:type='extended' xlink:role='http://www.xbrlsite.com/fac/role/IncomeStatementSecuritiesBasedIncome3_CITI'>
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_RevenuesNetInterestExpenseRollUp' xlink:label='fac_RevenuesNetInterestExpenseRollUp' />
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_RevenuesNetInterestExpense' xlink:label='fac_RevenuesNetInterestExpense' />
      <link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='fac_RevenuesNetInterestExpenseRollUp' xlink:to='fac_RevenuesNetInterestExpense'  order='451' use='optional' />
   </link:presentationLink>

   <link:presentationLink xlink:type='extended' xlink:role='http://www.xbrlsite.com/fac/role/IncomeStatementSecuritiesBasedIncome3_CITI'>
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_IncomeLossFromContinuingOperationsBeforeTaxRollUp' xlink:label='fac_IncomeLossFromContinuingOperationsBeforeTaxRollUp' />
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_ProvisionForLoanLeaseAndOtherLosses' xlink:label='fac_ProvisionForLoanLeaseAndOtherLosses' />
      <link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='fac_IncomeLossFromContinuingOperationsBeforeTaxRollUp' xlink:to='fac_ProvisionForLoanLeaseAndOtherLosses'  order='452' use='optional' />
   </link:presentationLink>

   <link:presentationLink xlink:type='extended' xlink:role='http://www.xbrlsite.com/fac/role/IncomeStatementSecuritiesBasedIncome3_CITI'>
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_IncomeLossFromContinuingOperationsBeforeTaxRollUp' xlink:label='fac_IncomeLossFromContinuingOperationsBeforeTaxRollUp' />
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_NoninterestExpense' xlink:label='fac_NoninterestExpense' />
      <link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='fac_IncomeLossFromContinuingOperationsBeforeTaxRollUp' xlink:to='fac_NoninterestExpense'  order='453' use='optional' />
   </link:presentationLink>

   <link:presentationLink xlink:type='extended' xlink:role='http://www.xbrlsite.com/fac/role/IncomeStatementSecuritiesBasedIncome3_CITI'>
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_IncomeLossFromContinuingOperationsBeforeTaxRollUp' xlink:label='fac_IncomeLossFromContinuingOperationsBeforeTaxRollUp' />
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_IncomeLossFromContinuingOperationsBeforeTax' xlink:label='fac_IncomeLossFromContinuingOperationsBeforeTax' />
      <link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='fac_IncomeLossFromContinuingOperationsBeforeTaxRollUp' xlink:to='fac_IncomeLossFromContinuingOperationsBeforeTax'  order='454' use='optional' />
   </link:presentationLink>

   <link:presentationLink xlink:type='extended' xlink:role='http://www.xbrlsite.com/fac/role/IncomeStatementSecuritiesBasedIncome3_CITI'>
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_IncomeLossFromContinuingOperationsAfterTaxRollUp' xlink:label='fac_IncomeLossFromContinuingOperationsAfterTaxRollUp' />
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_IncomeTaxExpenseBenefit' xlink:label='fac_IncomeTaxExpenseBenefit' />
      <link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='fac_IncomeLossFromContinuingOperationsAfterTaxRollUp' xlink:to='fac_IncomeTaxExpenseBenefit'  order='455' use='optional' />
   </link:presentationLink>

   <link:presentationLink xlink:type='extended' xlink:role='http://www.xbrlsite.com/fac/role/IncomeStatementSecuritiesBasedIncome3_CITI'>
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_IncomeLossFromContinuingOperationsAfterTaxRollUp' xlink:label='fac_IncomeLossFromContinuingOperationsAfterTaxRollUp' />
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_IncomeLossFromContinuingOperationsAfterTax' xlink:label='fac_IncomeLossFromContinuingOperationsAfterTax' />
      <link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='fac_IncomeLossFromContinuingOperationsAfterTaxRollUp' xlink:to='fac_IncomeLossFromContinuingOperationsAfterTax'  order='456' use='optional' />
   </link:presentationLink>

   <link:presentationLink xlink:type='extended' xlink:role='http://www.xbrlsite.com/fac/role/IncomeStatementSecuritiesBasedIncome3_CITI'>
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_NetIncomeLossRollUp' xlink:label='fac_NetIncomeLossRollUp' />
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_IncomeLossFromDiscontinuedOperationsNetOfTax' xlink:label='fac_IncomeLossFromDiscontinuedOperationsNetOfTax' />
      <link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='fac_NetIncomeLossRollUp' xlink:to='fac_IncomeLossFromDiscontinuedOperationsNetOfTax'  order='457' use='optional' />
   </link:presentationLink>

   <link:presentationLink xlink:type='extended' xlink:role='http://www.xbrlsite.com/fac/role/IncomeStatementSecuritiesBasedIncome3_CITI'>
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_NetIncomeLossRollUp' xlink:label='fac_NetIncomeLossRollUp' />
      <link:loc xlink:type='locator' xlink:href='fac.xsd#fac_NetIncomeLoss' xlink:label='fac_NetIncomeLoss' />
      <link:presentationArc xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/parent-child' xlink:from='fac_NetIncomeLossRollUp' xlink:to='fac_NetIncomeLoss'  order='458' use='optional' />
   </link:presentationLink>

</link:linkbase>
