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<!-- Autogenerated -->
<!-- Created by Charles Hoffman, CPA 7/26/2021 11:14:27 AM -->
<!-- Public Domain Dedication: https://creativecommons.org/publicdomain/zero/1.0/ -->
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  <annotation>
    <documentation>Fundamental Accounting Concepts</documentation>
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  <element id='fac_CommitmentsAndContingencies' name='CommitmentsAndContingencies' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='instant' xbrli:balance='credit'  nillable='true' />
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  <element id='fac_ExchangeGainsLosses' name='ExchangeGainsLosses' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'   nillable='true' />
  <element id='fac_ExciseAndSalesTaxes' name='ExciseAndSalesTaxes' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='debit'  nillable='true' />
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  <element id='fac_FixedAssets' name='FixedAssets' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='instant' xbrli:balance='debit'  nillable='true' />
  <element id='fac_GainLossOnDispositionStockInSubsidiaryOrEquityMethodInvestee' name='GainLossOnDispositionStockInSubsidiaryOrEquityMethodInvestee' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_GainLossOnSalePreviouslyUnissuedStockBySubsidiaryOrEquityInvesteeNonoperatingIncome' name='GainLossOnSalePreviouslyUnissuedStockBySubsidiaryOrEquityInvesteeNonoperatingIncome' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
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  <element id='fac_IncomeLossFromContinuingOperationsAfterTaxRollUp' name='IncomeLossFromContinuingOperationsAfterTaxRollUp' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
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  <element id='fac_IncomeLossFromDiscontinuedOperationsNetOfTaxAdjustmentToPriorYearGainLossOnDisposal' name='IncomeLossFromDiscontinuedOperationsNetOfTaxAdjustmentToPriorYearGainLossOnDisposal' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_IncomeLossFromDiscontinuedOperationsNetOfTaxDuringPhaseOut' name='IncomeLossFromDiscontinuedOperationsNetOfTaxDuringPhaseOut' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
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  <element id='fac_IncomeLossFromDiscontinuedOperationsNetOfTaxProvisionForGainLossOnDisposal' name='IncomeLossFromDiscontinuedOperationsNetOfTaxProvisionForGainLossOnDisposal' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_IncomeLossFromEquityMethodInvestments' name='IncomeLossFromEquityMethodInvestments' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_IncomeStatementAbstract' name='IncomeStatementAbstract' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
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  <element id='fac_IncomeStatementStartPeriodYearToDate' name='IncomeStatementStartPeriodYearToDate' type='xbrli:dateItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'   nillable='true' />
  <element id='fac_IncomeTaxExpenseBenefit' name='IncomeTaxExpenseBenefit' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='debit'  nillable='true' />
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  <element id='fac_IncomeTaxExpenseBenefitDeferred' name='IncomeTaxExpenseBenefitDeferred' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='debit'  nillable='true' />
  <element id='fac_IndirectOperatingNonoperatingCostsExpenses' name='IndirectOperatingNonoperatingCostsExpenses' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='debit'  nillable='true' />
  <element id='fac_InterestAndDebtExpense' name='InterestAndDebtExpense' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='debit'  nillable='true' />
  <element id='fac_InterestAndDividendIncomeOperating' name='InterestAndDividendIncomeOperating' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_InterestExpense' name='InterestExpense' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='debit'  nillable='true' />
  <element id='fac_InterestExpenseOperating' name='InterestExpenseOperating' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='debit'  nillable='true' />
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  <element id='fac_InterestIncomeExpenseNetRollUp' name='InterestIncomeExpenseNetRollUp' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_InterestIncomeExpenseOperatingNet' name='InterestIncomeExpenseOperatingNet' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_KeyRatiosHierarchy' name='KeyRatiosHierarchy' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
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  <element id='fac_Liabilities' name='Liabilities' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='instant' xbrli:balance='credit'  nillable='true' />
  <element id='fac_LiabilitiesAndEquity' name='LiabilitiesAndEquity' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='instant' xbrli:balance='credit'  nillable='true' />
  <element id='fac_LiabilitiesEquityRollUp' name='LiabilitiesEquityRollUp' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_LiabilitiesHeldForSale' name='LiabilitiesHeldForSale' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='instant' xbrli:balance='credit'  nillable='true' />
  <element id='fac_LiabilitiesRollUp' name='LiabilitiesRollUp' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_LongTermDebt' name='LongTermDebt' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='instant' xbrli:balance='credit'  nillable='true' />
  <element id='fac_NetAssetsLiabilities' name='NetAssetsLiabilities' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='instant' xbrli:balance='debit'  nillable='true' />
  <element id='fac_NetCashFlow' name='NetCashFlow' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'   nillable='true' />
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  <element id='fac_NetCashFlowBreakdownTable' name='NetCashFlowBreakdownTable' type='xbrli:stringItemType' substitutionGroup='xbrldt:hypercubeItem' xbrli:periodType='duration'  abstract='true' nillable='true' />
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  <element id='fac_NetCashFlowContinuingRollUp' name='NetCashFlowContinuingRollUp' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_NetCashFlowDiscontinued' name='NetCashFlowDiscontinued' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'   nillable='true' />
  <element id='fac_NetCashFlowDiscontinuedRollUp' name='NetCashFlowDiscontinuedRollUp' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_NetCashFlowFromFinancingActivities' name='NetCashFlowFromFinancingActivities' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'   nillable='true' />
  <element id='fac_NetCashFlowFromFinancingActivitiesContinuing' name='NetCashFlowFromFinancingActivitiesContinuing' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'   nillable='true' />
  <element id='fac_NetCashFlowFromFinancingActivitiesDiscontinued' name='NetCashFlowFromFinancingActivitiesDiscontinued' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'   nillable='true' />
  <element id='fac_NetCashFlowFromFinancingActivitiesRollUp' name='NetCashFlowFromFinancingActivitiesRollUp' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_NetCashFlowFromInvestingActivities' name='NetCashFlowFromInvestingActivities' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'   nillable='true' />
  <element id='fac_NetCashFlowFromInvestingActivitiesContinuing' name='NetCashFlowFromInvestingActivitiesContinuing' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'   nillable='true' />
  <element id='fac_NetCashFlowFromInvestingActivitiesDiscontinued' name='NetCashFlowFromInvestingActivitiesDiscontinued' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'   nillable='true' />
  <element id='fac_NetCashFlowFromInvestingActivitiesRollUp' name='NetCashFlowFromInvestingActivitiesRollUp' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_NetCashFlowFromOperatingActivities' name='NetCashFlowFromOperatingActivities' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'   nillable='true' />
  <element id='fac_NetCashFlowFromOperatingActivitiesContinuing' name='NetCashFlowFromOperatingActivitiesContinuing' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'   nillable='true' />
  <element id='fac_NetCashFlowFromOperatingActivitiesDiscontinued' name='NetCashFlowFromOperatingActivitiesDiscontinued' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'   nillable='true' />
  <element id='fac_NetCashFlowFromOperatingActivitiesRollUp' name='NetCashFlowFromOperatingActivitiesRollUp' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_NetCashFlowRollUp' name='NetCashFlowRollUp' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_NetIncomeLoss' name='NetIncomeLoss' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_NetIncomeLossAttributableToNoncontrollingInterest' name='NetIncomeLossAttributableToNoncontrollingInterest' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_NetIncomeLossAttributableToNoncontrollingInterestPlusPreferredStockDividendsAndOtherAdjustments' name='NetIncomeLossAttributableToNoncontrollingInterestPlusPreferredStockDividendsAndOtherAdjustments' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_NetIncomeLossAttributableToNonredeemableNoncontrollingInterest' name='NetIncomeLossAttributableToNonredeemableNoncontrollingInterest' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_NetIncomeLossAttributableToParent' name='NetIncomeLossAttributableToParent' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_NetIncomeLossAttributableToRedeemableNoncontrollingInterest' name='NetIncomeLossAttributableToRedeemableNoncontrollingInterest' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_NetIncomeLossAvailableToCommonBreakdownLineItems' name='NetIncomeLossAvailableToCommonBreakdownLineItems' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_NetIncomeLossAvailableToCommonBreakdownTable' name='NetIncomeLossAvailableToCommonBreakdownTable' type='xbrli:stringItemType' substitutionGroup='xbrldt:hypercubeItem' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_NetIncomeLossAvailableToCommonStockholdersBasic' name='NetIncomeLossAvailableToCommonStockholdersBasic' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_NetIncomeLossAvailableToCommonStockholdersBasicRollUp' name='NetIncomeLossAvailableToCommonStockholdersBasicRollUp' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_NetIncomeLossBreakdownLineItems' name='NetIncomeLossBreakdownLineItems' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_NetIncomeLossBreakdownTable' name='NetIncomeLossBreakdownTable' type='xbrli:stringItemType' substitutionGroup='xbrldt:hypercubeItem' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_NetIncomeLossRollUp' name='NetIncomeLossRollUp' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_NoncurrentAssets' name='NoncurrentAssets' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='instant' xbrli:balance='debit'  nillable='true' />
  <element id='fac_NoncurrentLiabilities' name='NoncurrentLiabilities' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='instant' xbrli:balance='credit'  nillable='true' />
  <element id='fac_NoninterestExpense' name='NoninterestExpense' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='debit'  nillable='true' />
  <element id='fac_NoninterestIncome' name='NoninterestIncome' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_NonoperatingGainsLosses' name='NonoperatingGainsLosses' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_NonoperatingIncomeLoss' name='NonoperatingIncomeLoss' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_NonoperatingIncomeLossPlusInterestAndDebtExpense' name='NonoperatingIncomeLossPlusInterestAndDebtExpense' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_NonoperatingIncomeLossPlusInterestDebtExpensePluseIncomeLossFromEquityMethodInvestmentsRollUp' name='NonoperatingIncomeLossPlusInterestDebtExpensePluseIncomeLossFromEquityMethodInvestmentsRollUp' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_NonoperatingIncomePlusInterestAndDebtExpensePlusIncomeFromEquityMethodInvestments' name='NonoperatingIncomePlusInterestAndDebtExpensePlusIncomeFromEquityMethodInvestments' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_OperatingAndNonoperatingCostsAndExpenses' name='OperatingAndNonoperatingCostsAndExpenses' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='debit'  nillable='true' />
  <element id='fac_OperatingAndNonoperatingRevenues' name='OperatingAndNonoperatingRevenues' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_OperatingExpenses' name='OperatingExpenses' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='debit'  nillable='true' />
  <element id='fac_OperatingIncomeLoss' name='OperatingIncomeLoss' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_OperatingIncomeLossRollUp' name='OperatingIncomeLossRollUp' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_OtherComprehensiveIncomeLoss' name='OtherComprehensiveIncomeLoss' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_OtherComprehensiveIncomeLossAttributableToNoncontrollingInterest' name='OtherComprehensiveIncomeLossAttributableToNoncontrollingInterest' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_OtherComprehensiveIncomeLossAttributableToParent' name='OtherComprehensiveIncomeLossAttributableToParent' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_OtherInformationHierarchy' name='OtherInformationHierarchy' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_OtherInformationLineItems' name='OtherInformationLineItems' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_OtherInformationTable' name='OtherInformationTable' type='xbrli:stringItemType' substitutionGroup='xbrldt:hypercubeItem' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_OtherNoncurrentAssetsOfRegulatedEntity' name='OtherNoncurrentAssetsOfRegulatedEntity' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='instant' xbrli:balance='debit'  nillable='true' />
  <element id='fac_OtherNoncurrentLiabilitiesOfRegulatedEntity' name='OtherNoncurrentLiabilitiesOfRegulatedEntity' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='instant' xbrli:balance='credit'  nillable='true' />
  <element id='fac_OtherOperatingIncomeExpenses' name='OtherOperatingIncomeExpenses' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_OtherThanFixedNoncurrentAssets' name='OtherThanFixedNoncurrentAssets' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='instant' xbrli:balance='debit'  nillable='true' />
  <element id='fac_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic' name='ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='debit'  nillable='true' />
  <element id='fac_PreferredStockDividendsAndOtherAdjustments' name='PreferredStockDividendsAndOtherAdjustments' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='debit'  nillable='true' />
  <element id='fac_ProvisionForLoanLeaseAndOtherLosses' name='ProvisionForLoanLeaseAndOtherLosses' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='debit'  nillable='true' />
  <element id='fac_PublicUtilitiesPropertyPlantAndEquipmentNet' name='PublicUtilitiesPropertyPlantAndEquipmentNet' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='debit'  nillable='true' />
  <element id='fac_RedeemableNoncontrollingInterest' name='RedeemableNoncontrollingInterest' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='instant' xbrli:balance='credit'  nillable='true' />
  <element id='fac_RedeemableNoncontrollingInterestCommon' name='RedeemableNoncontrollingInterestCommon' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='instant' xbrli:balance='credit'  nillable='true' />
  <element id='fac_RedeemableNoncontrollingInterestOther' name='RedeemableNoncontrollingInterestOther' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='instant' xbrli:balance='credit'  nillable='true' />
  <element id='fac_RedeemableNoncontrollingInterestPreferred' name='RedeemableNoncontrollingInterestPreferred' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='instant' xbrli:balance='credit'  nillable='true' />
  <element id='fac_ReturnOnAssets' name='ReturnOnAssets' type='xbrli:decimalItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'   nillable='true' />
  <element id='fac_ReturnOnEquity' name='ReturnOnEquity' type='xbrli:decimalItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'   nillable='true' />
  <element id='fac_ReturnOnSales' name='ReturnOnSales' type='xbrli:decimalItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'   nillable='true' />
  <element id='fac_Revenues' name='Revenues' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_RevenuesExcludingInterestDividends' name='RevenuesExcludingInterestDividends' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_RevenuesNetInterestExpense' name='RevenuesNetInterestExpense' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_RevenuesNetInterestExpenseRollUp' name='RevenuesNetInterestExpenseRollUp' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_RevenuesRollUp' name='RevenuesRollUp' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_StatementComprehensiveIncomeAbstract' name='StatementComprehensiveIncomeAbstract' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_StatementComprehensiveIncomeLossLineItems' name='StatementComprehensiveIncomeLossLineItems' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_StatementComprehensiveIncomeLossTable' name='StatementComprehensiveIncomeLossTable' type='xbrli:stringItemType' substitutionGroup='xbrldt:hypercubeItem' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_SustainableGrowthRate' name='SustainableGrowthRate' type='xbrli:decimalItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'   nillable='true' />
  <element id='fac_TemporaryEquity' name='TemporaryEquity' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='instant' xbrli:balance='credit'  nillable='true' />
  <element id='fac_TemporaryEquityAttributableToParent' name='TemporaryEquityAttributableToParent' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='instant' xbrli:balance='credit'  nillable='true' />
  <element id='fac_TradingSymbol' name='TradingSymbol' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'   nillable='true' />
  <element id='fac_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic' name='UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic' type='xbrli:monetaryItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' xbrli:balance='credit'  nillable='true' />
  <element id='fac_ValidationResultsHierarchy' name='ValidationResultsHierarchy' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_ValidationResultsLineItems' name='ValidationResultsLineItems' type='xbrli:stringItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration'  abstract='true' nillable='true' />
  <element id='fac_ValidationResultsTable' name='ValidationResultsTable' type='xbrli:stringItemType' substitutionGroup='xbrldt:hypercubeItem' xbrli:periodType='duration'  abstract='true' nillable='true' />
 
</schema>
