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  <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" />
  <element id="fac_KeyRatiosLineItems" name="KeyRatiosLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" nillable="true" />
  <element id="fac_KeyRatiosTable" name="KeyRatiosTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" abstract="true" nillable="true" />
  <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_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_NetCashFlow" name="NetCashFlow" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" />
  <element id="fac_NetCashFlowBreakdownLineItems" name="NetCashFlowBreakdownLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="true" nillable="true" />
  <element id="fac_NetCashFlowBreakdownTable" name="NetCashFlowBreakdownTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" abstract="true" nillable="true" />
  <element id="fac_NetCashFlowContinuing" name="NetCashFlowContinuing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" />
  <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" xbrli:balance="debit" 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" xbrli:balance="debit" nillable="true" />
  <element id="fac_NetCashFlowFromFinancingActivitiesContinuing" name="NetCashFlowFromFinancingActivitiesContinuing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" />
  <element id="fac_NetCashFlowFromFinancingActivitiesDiscontinued" name="NetCashFlowFromFinancingActivitiesDiscontinued" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" 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" xbrli:balance="debit" nillable="true" />
  <element id="fac_NetCashFlowFromInvestingActivitiesContinuing" name="NetCashFlowFromInvestingActivitiesContinuing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" />
  <element id="fac_NetCashFlowFromInvestingActivitiesDiscontinued" name="NetCashFlowFromInvestingActivitiesDiscontinued" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" 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" xbrli:balance="debit" nillable="true" />
  <element id="fac_NetCashFlowFromOperatingActivitiesContinuing" name="NetCashFlowFromOperatingActivitiesContinuing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" />
  <element id="fac_NetCashFlowFromOperatingActivitiesDiscontinued" name="NetCashFlowFromOperatingActivitiesDiscontinued" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" 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="instant" 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_ReportingStyle" name="ReportingStyle" type="xbrli:normalizedStringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" />
  <element id="fac_ReturnOnAssets" name="ReturnOnAssets" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="fac_ReturnOnEquity" name="ReturnOnEquity" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="fac_ReturnOnSales" name="ReturnOnSales" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" 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="instant" 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:normalizedStringItemType" 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="debit" 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>
