﻿<?xml version="1.0" encoding="utf-8"?>
<!-- Taxonomy based on XBRL standard v.2.  Created by UBmatrix Taxonomy Builder 5.0.80.  Contact www.ubmatrix.com -->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xbrli="http://www.xbrl.org/2001/instance" xmlns:link="http://www.xbrl.org/2001/XLink/xbrllinkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xhtml="http://www.w3.org/1999/xhtml" xmlns:us-gaap-ci="http://www.xbrl.org/taxonomy/us/fr/gaap/ci/2002-10-15" targetNamespace="http://www.xbrl.org/taxonomy/us/fr/gaap/ci/2002-10-15" elementFormDefault="qualified">
  <annotation>
    <appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="us-gaap-ci-2002-10-15-labels.xml" xlink:actuate="onRequest" xlink:role="http://www.xbrl.org/linkprops/linkRef/label" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="us-gaap-ci-2002-10-15-references.xml" xlink:actuate="onRequest" xlink:role="http://www.xbrl.org/linkprops/linkRef/reference" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="us-gaap-ci-2002-10-15-presentation.xml" xlink:actuate="onRequest" xlink:role="http://www.xbrl.org/linkprops/linkRef/presentation" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="us-gaap-ci-2002-10-15-calculation.xml" xlink:actuate="onRequest" xlink:role="http://www.xbrl.org/linkprops/linkRef/calculation" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="us-gaap-ci-2002-10-15-definition.xml" xlink:actuate="onRequest" xlink:role="http://www.xbrl.org/linkprops/linkRef/definition" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
    </appinfo>
  </annotation>
  <import namespace="http://www.xbrl.org/2001/instance" schemaLocation="http://www.xbrl.org/2001/xbrl-instance.xsd" />
  <import namespace="http://www.xbrl.org/taxonomy/us/fr/rpt/seccert/2002-10-15" schemaLocation="http://www.xbrl.org/taxonomy/us/fr/rpt/seccert/2002-10-15/usfr-sec-cert-2002-10-15.xsd" />
  <import namespace="http://www.xbrl.org/taxonomy/us/fr/common/pt/2002-10-15" schemaLocation="http://www.xbrl.org/taxonomy/us/fr/common/pt/2002-10-15/usfr-pt-2002-10-15.xsd" />
  <import namespace="http://www.xbrl.org/taxonomy/us/fr/common/namda/2002-10-15" schemaLocation="http://www.xbrl.org/taxonomy/us/fr/common/namda/2002-10-15/usfr-namda-2002-10-15.xsd" />
  <import namespace="http://www.xbrl.org/taxonomy/us/fr/common/mr/2002-10-15" schemaLocation="http://www.xbrl.org/taxonomy/us/fr/common/mr/2002-10-15/usfr-mr-2002-10-15.xsd" />
  <import namespace="http://www.xbrl.org/taxonomy/us/br/common/gc/2002-10-15" schemaLocation="http://www.xbrl.org/taxonomy/us/br/common/gc/2002-10-15/usfr-gc-2002-10-15.xsd" />
  <import namespace="http://www.xbrl.org/taxonomy/int/br/common/gcd/2002-10-15" schemaLocation="http://www.xbrl.org/taxonomy/int/br/common/gcd/2002-10-15/int-gcd-2002-10-15.xsd" />
  <import namespace="http://www.xbrl.org/taxonomy/int/br/rpt/ar/2002-10-15" schemaLocation="http://www.xbrl.org/taxonomy/int/br/rpt/ar/2002-10-15/int-ar-2002-10-15.xsd" />
  <element id="us-gaap-ci_ChangesTreasuryStockParValue" name="ChangesTreasuryStockParValue" abstract="true" />
  <element id="us-gaap-ci_ChangesTreasuryStockNumberShares" name="ChangesTreasuryStockNumberShares" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="us-gaap-ci_ChangesTreasuryStock" name="ChangesTreasuryStock" abstract="true" />
  <element id="us-gaap-ci_ChangesTotalStockholdersEquity" name="ChangesTotalStockholdersEquity" abstract="true" />
  <element id="us-gaap-ci_ChangesRetainedEarnings" name="ChangesRetainedEarnings" abstract="true" />
  <element id="us-gaap-ci_ChangesPreferredStockParValue" name="ChangesPreferredStockParValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="us-gaap-ci_ChangesPreferredStockNumberShares" name="ChangesPreferredStockNumberShares" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="us-gaap-ci_ChangesPreferredStock" name="ChangesPreferredStock" abstract="true" />
  <element id="us-gaap-ci_ChangesCommonStockParValue" name="ChangesCommonStockParValue" abstract="true" />
  <element id="us-gaap-ci_ChangesCommonStockNumberShares" name="ChangesCommonStockNumberShares" abstract="true" />
  <element id="us-gaap-ci_ChangesCommonStock" name="ChangesCommonStock" abstract="true" />
  <element id="us-gaap-ci_ChangesAdditionalPaidInCapital" name="ChangesAdditionalPaidInCapital" abstract="true" />
  <element id="us-gaap-ci_ChangesAccumulatedComprehensiveIncome" name="ChangesAccumulatedComprehensiveIncome" abstract="true" />
  <element id="us-gaap-ci_Name" name="Name" type="string" substitutionGroup="link:part" />
  <element id="us-gaap-ci_Number" name="Number" type="string" substitutionGroup="link:part" />
  <element id="us-gaap-ci_Chapter" name="Chapter" type="string" substitutionGroup="link:part" />
  <element id="us-gaap-ci_Paragraph" name="Paragraph" type="string" substitutionGroup="link:part" />
  <element id="us-gaap-ci_Subparagraph" name="Subparagraph" type="string" substitutionGroup="link:part" />
</schema>
