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<!-- Generated by http://luca.auditchain.finance -->
<!--2026-01-31 19.01.34-->
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    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_ExchangeGainsLosses_lbl">Exchange Gains (Losses)</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_CashFlowStatementHypercube" xlink:to="fac_CashFlowStatementHypercube_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_CashFlowStatementHypercube_lbl">Cash Flow Statement [Hypercube]</label>
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  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetCashFlowFromFinancingActivitiesRollUp" xlink:label="fac_NetCashFlowFromFinancingActivitiesRollUp" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetCashFlowFromFinancingActivitiesRollUp" xlink:to="fac_NetCashFlowFromFinancingActivitiesRollUp_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetCashFlowFromFinancingActivitiesRollUp_lbl">Net Cash Flow From Financing Activities [Roll Up]</label>
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  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetCashFlowDiscontinuedRollUp" xlink:label="fac_NetCashFlowDiscontinuedRollUp" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetCashFlowDiscontinuedRollUp" xlink:to="fac_NetCashFlowDiscontinuedRollUp_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetCashFlowDiscontinuedRollUp_lbl">Net Cash Flow Discontinued [Roll Up]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_Equity" xlink:label="fac_Equity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_Equity" xlink:to="fac_Equity_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_Equity_lbl">Equity</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_OtherThanFixedNoncurrentAssets" xlink:label="fac_OtherThanFixedNoncurrentAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_OtherThanFixedNoncurrentAssets" xlink:to="fac_OtherThanFixedNoncurrentAssets_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_OtherThanFixedNoncurrentAssets_lbl">Other than Fixed Noncurrent Assets</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_BalanceSheetUnclassifiedHypercube" xlink:label="fac_BalanceSheetUnclassifiedHypercube" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_BalanceSheetUnclassifiedHypercube" xlink:to="fac_BalanceSheetUnclassifiedHypercube_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_BalanceSheetUnclassifiedHypercube_lbl">Balance Sheet Unclassified [Hypercube]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_PublicUtilitiesPropertyPlantAndEquipmentNet" xlink:label="fac_PublicUtilitiesPropertyPlantAndEquipmentNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_PublicUtilitiesPropertyPlantAndEquipmentNet" xlink:to="fac_PublicUtilitiesPropertyPlantAndEquipmentNet_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_PublicUtilitiesPropertyPlantAndEquipmentNet_lbl">Public Utilities Property, Plant, and Equipment, Net</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetCashFlowFromInvestingActivities" xlink:label="fac_NetCashFlowFromInvestingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetCashFlowFromInvestingActivities" xlink:to="fac_NetCashFlowFromInvestingActivities_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetCashFlowFromInvestingActivities_lbl">Net Cash Flow From Investing Activities</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetCashFlowContinuingRollUp" xlink:label="fac_NetCashFlowContinuingRollUp" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetCashFlowContinuingRollUp" xlink:to="fac_NetCashFlowContinuingRollUp_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetCashFlowContinuingRollUp_lbl">Net Cash Flow Continuing [Roll Up]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_Assets" xlink:label="fac_Assets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_Assets" xlink:to="fac_Assets_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_Assets_lbl">Assets</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_TemporaryEquity" xlink:label="fac_TemporaryEquity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_TemporaryEquity" xlink:to="fac_TemporaryEquity_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_TemporaryEquity_lbl">Temporary Equity</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_EquityRollUp" xlink:label="fac_EquityRollUp" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_EquityRollUp" xlink:to="fac_EquityRollUp_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_EquityRollUp_lbl">Equity [Roll Up]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_OtherOperatingIncomeExpenses" xlink:label="fac_OtherOperatingIncomeExpenses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_OtherOperatingIncomeExpenses" xlink:to="fac_OtherOperatingIncomeExpenses_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_OtherOperatingIncomeExpenses_lbl">Other Operating Income (Expenses)</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_InterestIncomeExpenseOperatingNet" xlink:label="fac_InterestIncomeExpenseOperatingNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_InterestIncomeExpenseOperatingNet" xlink:to="fac_InterestIncomeExpenseOperatingNet_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_InterestIncomeExpenseOperatingNet_lbl">Interest Income (Expense) Operating, Net</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NoninterestIncome" xlink:label="fac_NoninterestIncome" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NoninterestIncome" xlink:to="fac_NoninterestIncome_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NoninterestIncome_lbl">Noninterest Income</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_GainLossOnDispositionStockInSubsidiaryOrEquityMethodInvestee" xlink:label="fac_GainLossOnDispositionStockInSubsidiaryOrEquityMethodInvestee" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_GainLossOnDispositionStockInSubsidiaryOrEquityMethodInvestee" xlink:to="fac_GainLossOnDispositionStockInSubsidiaryOrEquityMethodInvestee_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_GainLossOnDispositionStockInSubsidiaryOrEquityMethodInvestee_lbl">Gain (Loss) on Disposition of Stock in Subsidiary or Equity Method Investee</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_ComprehensiveIncomeLoss" xlink:label="fac_ComprehensiveIncomeLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_ComprehensiveIncomeLoss" xlink:to="fac_ComprehensiveIncomeLoss_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_ComprehensiveIncomeLoss_lbl">Comprehensive Income (Loss)</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_CostsAndExpenses" xlink:label="fac_CostsAndExpenses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_CostsAndExpenses" xlink:to="fac_CostsAndExpenses_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_CostsAndExpenses_lbl">Costs and Expenses</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_OperatingAndNonoperatingRevenues" xlink:label="fac_OperatingAndNonoperatingRevenues" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_OperatingAndNonoperatingRevenues" xlink:to="fac_OperatingAndNonoperatingRevenues_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_OperatingAndNonoperatingRevenues_lbl">Operating and Nonoperating Revenues</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_InterestIncomeExpenseNetRollUp" xlink:label="fac_InterestIncomeExpenseNetRollUp" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_InterestIncomeExpenseNetRollUp" xlink:to="fac_InterestIncomeExpenseNetRollUp_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_InterestIncomeExpenseNetRollUp_lbl">Interest Income Expense Net [Roll Up]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_IncomeStatementSecuritiesBasedIncomeHypercube" xlink:label="fac_IncomeStatementSecuritiesBasedIncomeHypercube" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_IncomeStatementSecuritiesBasedIncomeHypercube" xlink:to="fac_IncomeStatementSecuritiesBasedIncomeHypercube_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_IncomeStatementSecuritiesBasedIncomeHypercube_lbl">Income Statement Securities Based Income [Hypercube]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetCashFlowFromOperatingActivitiesContinuing" xlink:label="fac_NetCashFlowFromOperatingActivitiesContinuing" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetCashFlowFromOperatingActivitiesContinuing" xlink:to="fac_NetCashFlowFromOperatingActivitiesContinuing_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetCashFlowFromOperatingActivitiesContinuing_lbl">Net Cash Flow From Operating Activities, Continuing</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetCashFlowFromFinancingActivities" xlink:label="fac_NetCashFlowFromFinancingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetCashFlowFromFinancingActivities" xlink:to="fac_NetCashFlowFromFinancingActivities_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetCashFlowFromFinancingActivities_lbl">Net Cash Flow From Financing Activities</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_OperatingIncomeLossRollUp" xlink:label="fac_OperatingIncomeLossRollUp" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_OperatingIncomeLossRollUp" xlink:to="fac_OperatingIncomeLossRollUp_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_OperatingIncomeLossRollUp_lbl">Operating Income (Loss) [Roll Up]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_IncomeLossFromContinuingOperationsAfterTax" xlink:label="fac_IncomeLossFromContinuingOperationsAfterTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_IncomeLossFromContinuingOperationsAfterTax" xlink:to="fac_IncomeLossFromContinuingOperationsAfterTax_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_IncomeLossFromContinuingOperationsAfterTax_lbl">Income (Loss) From Continuing Operations After Tax</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_InterestIncomeExpenseAfterProvisionForLossesRollUp" xlink:label="fac_InterestIncomeExpenseAfterProvisionForLossesRollUp" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_InterestIncomeExpenseAfterProvisionForLossesRollUp" xlink:to="fac_InterestIncomeExpenseAfterProvisionForLossesRollUp_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_InterestIncomeExpenseAfterProvisionForLossesRollUp_lbl">Interest Income Expense After Provision For Losses [Roll Up]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_InterestExpense" xlink:label="fac_InterestExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_InterestExpense" xlink:to="fac_InterestExpense_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_InterestExpense_lbl">Interest Expense</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetCashFlowFromInvestingActivitiesDiscontinued" xlink:label="fac_NetCashFlowFromInvestingActivitiesDiscontinued" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetCashFlowFromInvestingActivitiesDiscontinued" xlink:to="fac_NetCashFlowFromInvestingActivitiesDiscontinued_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetCashFlowFromInvestingActivitiesDiscontinued_lbl">Net Cash Flow From Investing Activities, Discontinued</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetCashFlowFromFinancingActivitiesDiscontinued" xlink:label="fac_NetCashFlowFromFinancingActivitiesDiscontinued" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetCashFlowFromFinancingActivitiesDiscontinued" xlink:to="fac_NetCashFlowFromFinancingActivitiesDiscontinued_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetCashFlowFromFinancingActivitiesDiscontinued_lbl">Net Cash Flow From Financing Activities, Discontinued</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetCashFlowContinuing" xlink:label="fac_NetCashFlowContinuing" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetCashFlowContinuing" xlink:to="fac_NetCashFlowContinuing_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetCashFlowContinuing_lbl">Net Cash Flow, Continuing</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_ComprehensiveIncomeLossAttributableToParent" xlink:label="fac_ComprehensiveIncomeLossAttributableToParent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_ComprehensiveIncomeLossAttributableToParent" xlink:to="fac_ComprehensiveIncomeLossAttributableToParent_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_ComprehensiveIncomeLossAttributableToParent_lbl">Comprehensive Income (Loss) Attributable to Parent</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetIncomeLossBreakdownHypercube" xlink:label="fac_NetIncomeLossBreakdownHypercube" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetIncomeLossBreakdownHypercube" xlink:to="fac_NetIncomeLossBreakdownHypercube_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetIncomeLossBreakdownHypercube_lbl">Net Income Loss Breakdown [Hypercube]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetCashFlowBreakdownHypercube" xlink:label="fac_NetCashFlowBreakdownHypercube" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetCashFlowBreakdownHypercube" xlink:to="fac_NetCashFlowBreakdownHypercube_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetCashFlowBreakdownHypercube_lbl">Net Cash Flow Breakdown [Hypercube]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_IncomeLossFromContinuingOperationsAfterTaxRollUp" xlink:label="fac_IncomeLossFromContinuingOperationsAfterTaxRollUp" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_IncomeLossFromContinuingOperationsAfterTaxRollUp" xlink:to="fac_IncomeLossFromContinuingOperationsAfterTaxRollUp_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_IncomeLossFromContinuingOperationsAfterTaxRollUp_lbl">Income Loss From Continuing Operations After Tax [Roll Up]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_IncomeLossFromContinuingOperationsBeforeTax" xlink:label="fac_IncomeLossFromContinuingOperationsBeforeTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_IncomeLossFromContinuingOperationsBeforeTax" xlink:to="fac_IncomeLossFromContinuingOperationsBeforeTax_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_IncomeLossFromContinuingOperationsBeforeTax_lbl">Income (Loss) From Continuing Operations Before Tax</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_InterestIncomeExpenseAfterProvisionForLosses" xlink:label="fac_InterestIncomeExpenseAfterProvisionForLosses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_InterestIncomeExpenseAfterProvisionForLosses" xlink:to="fac_InterestIncomeExpenseAfterProvisionForLosses_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_InterestIncomeExpenseAfterProvisionForLosses_lbl">Interest Income (Expense) After Provision For Losses</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_CashFlowStatementLineItems" xlink:label="fac_CashFlowStatementLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_CashFlowStatementLineItems" xlink:to="fac_CashFlowStatementLineItems_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_CashFlowStatementLineItems_lbl">Cash Flow Statement [Line Items]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetCashFlowRollUp" xlink:label="fac_NetCashFlowRollUp" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetCashFlowRollUp" xlink:to="fac_NetCashFlowRollUp_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetCashFlowRollUp_lbl">Net Cash Flow [Roll Up]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetCashFlowFromOperatingActivitiesDiscontinued" xlink:label="fac_NetCashFlowFromOperatingActivitiesDiscontinued" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetCashFlowFromOperatingActivitiesDiscontinued" xlink:to="fac_NetCashFlowFromOperatingActivitiesDiscontinued_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetCashFlowFromOperatingActivitiesDiscontinued_lbl">Net Cash Flow From Operating Activities, Discontinued</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetCashFlowFromInvestingActivitiesContinuing" xlink:label="fac_NetCashFlowFromInvestingActivitiesContinuing" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetCashFlowFromInvestingActivitiesContinuing" xlink:to="fac_NetCashFlowFromInvestingActivitiesContinuing_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetCashFlowFromInvestingActivitiesContinuing_lbl">Net Cash Flow From Investing Activities, Continuing</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_ComprehensiveIncomeLossRollUp" xlink:label="fac_ComprehensiveIncomeLossRollUp" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_ComprehensiveIncomeLossRollUp" xlink:to="fac_ComprehensiveIncomeLossRollUp_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_ComprehensiveIncomeLossRollUp_lbl">Comprehensive Income Loss [Roll Up]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_ComprehensiveIncomeLossBreakdownHypercube" xlink:label="fac_ComprehensiveIncomeLossBreakdownHypercube" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_ComprehensiveIncomeLossBreakdownHypercube" xlink:to="fac_ComprehensiveIncomeLossBreakdownHypercube_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_ComprehensiveIncomeLossBreakdownHypercube_lbl">Comprehensive Income Loss Breakdown [Hypercube]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_Liabilities" xlink:label="fac_Liabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_Liabilities" xlink:to="fac_Liabilities_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_Liabilities_lbl">Liabilities</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_LiabilitiesAndEquity" xlink:label="fac_LiabilitiesAndEquity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_LiabilitiesAndEquity" xlink:to="fac_LiabilitiesAndEquity_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_LiabilitiesAndEquity_lbl">Liabilities and Equity</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_OperatingExpenses" xlink:label="fac_OperatingExpenses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_OperatingExpenses" xlink:to="fac_OperatingExpenses_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_OperatingExpenses_lbl">Operating Expenses</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetIncomeLoss" xlink:label="fac_NetIncomeLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetIncomeLoss" xlink:to="fac_NetIncomeLoss_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetIncomeLoss_lbl">Net Income (Loss)</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_IncomeStatementInterestBasedRevenuesHypercube" xlink:label="fac_IncomeStatementInterestBasedRevenuesHypercube" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_IncomeStatementInterestBasedRevenuesHypercube" xlink:to="fac_IncomeStatementInterestBasedRevenuesHypercube_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_IncomeStatementInterestBasedRevenuesHypercube_lbl">Income Statement Interest Based Revenues [Hypercube]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_CostsExpensesRollUp" xlink:label="fac_CostsExpensesRollUp" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_CostsExpensesRollUp" xlink:to="fac_CostsExpensesRollUp_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_CostsExpensesRollUp_lbl">Costs Expenses [Roll Up]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:label="fac_NetIncomeLossAvailableToCommonStockholdersBasic" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:to="fac_NetIncomeLossAvailableToCommonStockholdersBasic_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetIncomeLossAvailableToCommonStockholdersBasic_lbl">Net Income (Loss) Available To Common Stockholders, Basic</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetCashFlowFromOperatingActivities" xlink:label="fac_NetCashFlowFromOperatingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetCashFlowFromOperatingActivities" xlink:to="fac_NetCashFlowFromOperatingActivities_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetCashFlowFromOperatingActivities_lbl">Net Cash Flow From Operating Activities</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetCashFlowFromInvestingActivitiesRollUp" xlink:label="fac_NetCashFlowFromInvestingActivitiesRollUp" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetCashFlowFromInvestingActivitiesRollUp" xlink:to="fac_NetCashFlowFromInvestingActivitiesRollUp_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetCashFlowFromInvestingActivitiesRollUp_lbl">Net Cash Flow From Investing Activities [Roll Up]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_CurrentAssets" xlink:label="fac_CurrentAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_CurrentAssets" xlink:to="fac_CurrentAssets_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_CurrentAssets_lbl">Current Assets</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_IncomeStatementSingleStepHypercube" xlink:label="fac_IncomeStatementSingleStepHypercube" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_IncomeStatementSingleStepHypercube" xlink:to="fac_IncomeStatementSingleStepHypercube_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_IncomeStatementSingleStepHypercube_lbl">Income Statement [Hypercube]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_IncomeStatementLineItems" xlink:label="fac_IncomeStatementLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_IncomeStatementLineItems" xlink:to="fac_IncomeStatementLineItems_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_IncomeStatementLineItems_lbl">Income Statement [Line Items]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_GrossProfitRollUp" xlink:label="fac_GrossProfitRollUp" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_GrossProfitRollUp" xlink:to="fac_GrossProfitRollUp_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_GrossProfitRollUp_lbl">Gross Profit [Roll Up]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_IncomeStatementInsuranceBasedRevenuesHypercube" xlink:label="fac_IncomeStatementInsuranceBasedRevenuesHypercube" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_IncomeStatementInsuranceBasedRevenuesHypercube" xlink:to="fac_IncomeStatementInsuranceBasedRevenuesHypercube_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_IncomeStatementInsuranceBasedRevenuesHypercube_lbl">Income Statement Insurance Based Revenues [Hypercube]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetIncomeLossAttributableToParent" xlink:label="fac_NetIncomeLossAttributableToParent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetIncomeLossAttributableToParent" xlink:to="fac_NetIncomeLossAttributableToParent_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetIncomeLossAttributableToParent_lbl">Net Income (Loss) Attributable To Parent</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_EquityAttributableToParent" xlink:label="fac_EquityAttributableToParent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_EquityAttributableToParent" xlink:to="fac_EquityAttributableToParent_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_EquityAttributableToParent_lbl">Equity Attributable To Parent</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_OtherNoncurrentLiabilitiesOfRegulatedEntity" xlink:label="fac_OtherNoncurrentLiabilitiesOfRegulatedEntity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_OtherNoncurrentLiabilitiesOfRegulatedEntity" xlink:to="fac_OtherNoncurrentLiabilitiesOfRegulatedEntity_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_OtherNoncurrentLiabilitiesOfRegulatedEntity_lbl">Other Noncurrent Liabilities of Regulated Entity</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetAssetsLiabilities" xlink:label="fac_NetAssetsLiabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetAssetsLiabilities" xlink:to="fac_NetAssetsLiabilities_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetAssetsLiabilities_lbl">Net Assets (Liabilities)</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_Revenues" xlink:label="fac_Revenues" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_Revenues" xlink:to="fac_Revenues_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_Revenues_lbl">Revenues</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_OperatingIncomeLoss" xlink:label="fac_OperatingIncomeLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_OperatingIncomeLoss" xlink:to="fac_OperatingIncomeLoss_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_OperatingIncomeLoss_lbl">Operating Income (Loss)</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_OperatingAndNonoperatingCostsAndExpenses" xlink:label="fac_OperatingAndNonoperatingCostsAndExpenses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_OperatingAndNonoperatingCostsAndExpenses" xlink:to="fac_OperatingAndNonoperatingCostsAndExpenses_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_OperatingAndNonoperatingCostsAndExpenses_lbl">Operating and Nonoperating Costs and Expenses</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_InterestExpenseOperating" xlink:label="fac_InterestExpenseOperating" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_InterestExpenseOperating" xlink:to="fac_InterestExpenseOperating_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_InterestExpenseOperating_lbl">Interest Expense, Operating</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_ProvisionForLoanLeaseAndOtherLosses" xlink:label="fac_ProvisionForLoanLeaseAndOtherLosses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_ProvisionForLoanLeaseAndOtherLosses" xlink:to="fac_ProvisionForLoanLeaseAndOtherLosses_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_ProvisionForLoanLeaseAndOtherLosses_lbl">Provision For Loan, Lease, and Other Losses</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_GainLossOnSalePreviouslyUnissuedStockBySubsidiaryOrEquityInvesteeNonoperatingIncome" xlink:label="fac_GainLossOnSalePreviouslyUnissuedStockBySubsidiaryOrEquityInvesteeNonoperatingIncome" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_GainLossOnSalePreviouslyUnissuedStockBySubsidiaryOrEquityInvesteeNonoperatingIncome" xlink:to="fac_GainLossOnSalePreviouslyUnissuedStockBySubsidiaryOrEquityInvesteeNonoperatingIncome_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_GainLossOnSalePreviouslyUnissuedStockBySubsidiaryOrEquityInvesteeNonoperatingIncome_lbl">Gain (Loss) on Sale of Previously Unissued Stock by Subsidiary or Equity Investee, Nonoperating Income</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_GainLossOnSalePropertiesNetTax" xlink:label="fac_GainLossOnSalePropertiesNetTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_GainLossOnSalePropertiesNetTax" xlink:to="fac_GainLossOnSalePropertiesNetTax_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_GainLossOnSalePropertiesNetTax_lbl">Gain (Loss) On Sale of Properties, Net of Tax</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetIncomeLossBreakdownLineItems" xlink:label="fac_NetIncomeLossBreakdownLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetIncomeLossBreakdownLineItems" xlink:to="fac_NetIncomeLossBreakdownLineItems_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetIncomeLossBreakdownLineItems_lbl">Net Income Loss Breakdown [Line Items]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetCashFlowFromOperatingActivitiesRollUp" xlink:label="fac_NetCashFlowFromOperatingActivitiesRollUp" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetCashFlowFromOperatingActivitiesRollUp" xlink:to="fac_NetCashFlowFromOperatingActivitiesRollUp_lbl" />
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    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_ComprehensiveIncomeLossBreakdownLineItems_lbl">Comprehensive Income Loss Breakdown [Line Items]</label>
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  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
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    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_Capitalization_lbl">Capitalization</label>
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    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_CostOfRevenue_lbl">Cost of Revenue</label>
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  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
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    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_GrossProfit_lbl">Gross Profit</label>
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  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_IndirectOperatingNonoperatingCostsExpenses" xlink:label="fac_IndirectOperatingNonoperatingCostsExpenses" />
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    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_IndirectOperatingNonoperatingCostsExpenses_lbl">Indirect Operating and Nonoperating Costs and Expenses</label>
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  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_RevenuesNetInterestExpense" xlink:label="fac_RevenuesNetInterestExpense" />
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    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_RevenuesNetInterestExpense_lbl">Revenues, Net of Interest Expense</label>
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  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_IncomeStatementMultiStepHypercube" xlink:label="fac_IncomeStatementMultiStepHypercube" />
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    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_IncomeStatementMultiStepHypercube_lbl">Income Statement Multi Step [Hypercube]</label>
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  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetIncomeLossAvailableToCommonBreakdownHypercube" xlink:label="fac_NetIncomeLossAvailableToCommonBreakdownHypercube" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetIncomeLossAvailableToCommonBreakdownHypercube" xlink:to="fac_NetIncomeLossAvailableToCommonBreakdownHypercube_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetIncomeLossAvailableToCommonBreakdownHypercube_lbl">Net Income Loss Available To Common Breakdown [Hypercube]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_PreferredStockDividendsAndOtherAdjustments" xlink:label="fac_PreferredStockDividendsAndOtherAdjustments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_PreferredStockDividendsAndOtherAdjustments" xlink:to="fac_PreferredStockDividendsAndOtherAdjustments_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_PreferredStockDividendsAndOtherAdjustments_lbl">Preferred Stock Dividends and Other Adjustments</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetCashFlow" xlink:label="fac_NetCashFlow" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetCashFlow" xlink:to="fac_NetCashFlow_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetCashFlow_lbl">Net Cash Flow</label>
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  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_StatementComprehensiveIncomeLossHypercube" xlink:label="fac_StatementComprehensiveIncomeLossHypercube" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_StatementComprehensiveIncomeLossHypercube" xlink:to="fac_StatementComprehensiveIncomeLossHypercube_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_StatementComprehensiveIncomeLossHypercube_lbl">Statement Comprehensive Income Loss [Hypercube]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_LongTermDebt" xlink:label="fac_LongTermDebt" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_LongTermDebt" xlink:to="fac_LongTermDebt_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_LongTermDebt_lbl">Long-term Debt</label>
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  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NetIncomeLossRollUp" xlink:label="fac_NetIncomeLossRollUp" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NetIncomeLossRollUp" xlink:to="fac_NetIncomeLossRollUp_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NetIncomeLossRollUp_lbl">Net Income Loss [Roll Up]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_NonoperatingIncomeLoss" xlink:label="fac_NonoperatingIncomeLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_NonoperatingIncomeLoss" xlink:to="fac_NonoperatingIncomeLoss_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_NonoperatingIncomeLoss_lbl">Nonoperating Income (Expense)</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_StatementComprehensiveIncomeLossLineItems" xlink:label="fac_StatementComprehensiveIncomeLossLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_StatementComprehensiveIncomeLossLineItems" xlink:to="fac_StatementComprehensiveIncomeLossLineItems_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_StatementComprehensiveIncomeLossLineItems_lbl">Statement Comprehensive Income Loss [Line Items]</label>
  </labelLink>
  <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <loc xlink:type="locator" xlink:href="report.xsd#fac_ComprehensiveIncomeLossAttributableToNoncontrollingInterest" xlink:label="fac_ComprehensiveIncomeLossAttributableToNoncontrollingInterest" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="fac_ComprehensiveIncomeLossAttributableToNoncontrollingInterest" xlink:to="fac_ComprehensiveIncomeLossAttributableToNoncontrollingInterest_lbl" />
    <label xlink:type="resource" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="fac_ComprehensiveIncomeLossAttributableToNoncontrollingInterest_lbl">Comprehensive Income (Loss) Attributable To Noncontrolling Interest</label>
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