You are downloading the first direct XAP file v220.127.116.11 for Windows Phone. first direct is a free and useful Personal Finance app: To use this first direct Banking on the go app you need to be a first direct customer and registered for first direct Internet Banking. ... You can now download the offline XAP file to install & try it.
Download Locations for first direct 18.104.22.168 XAP file
Note: To install it manually from an SD card, you should choose one of the server location above to get the offline first direct XAP file, move the file to your phone's SD card and then tap 'Install local apps' in the phone's App list.