<?xml version="1.0" encoding="US-ASCII"?>  
<!-- Generated by CompSci Transform (tm) - http://www.compsciresources.com -->    
<!-- Created: Fri Mar 27 12:14:54 UTC 2026 -->  
<xs:schema elementFormDefault="qualified" targetNamespace="http://www.bancreeketfs.com/20251130" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:us-types="http://xbrl.us/us-types/2009-01-31" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:dtr="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:ck0001547950="http://www.bancreeketfs.com/20251130">     
  <xs:annotation>   
    <xs:appinfo>  
      <link:linkbaseRef xlink:type="simple" xlink:href="ck0001547950-20251130_lab.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef"/>    
      <link:linkbaseRef xlink:type="simple" xlink:href="ck0001547950-20251130_pre.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef"/> 
      <link:linkbaseRef xlink:type="simple" xlink:href="ck0001547950-20251130_def.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef"/>    
    </xs:appinfo>   
  </xs:annotation>    
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>  
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>  
  <xs:import namespace="http://xbrl.sec.gov/oef/2025" schemaLocation="https://xbrl.sec.gov/oef/2025/oef-2025.xsd"/> 
  <xs:import namespace="http://xbrl.sec.gov/oef-rr/2025" schemaLocation="https://xbrl.sec.gov/oef/2025/oef-rr-2025.xsd"/>  
  <xs:import namespace="http://xbrl.sec.gov/fnd-oef/2025" schemaLocation="https://xbrl.sec.gov/fnd/2025/fnd-oef-2025.xsd"/>    
  <xs:import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd"/> 
  <xs:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd"/>    
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>     
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>   
  <xs:element name="S000083459Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_S000083459Member"/>  
  <xs:element name="S000084270Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_S000084270Member"/>  
  <xs:element name="S000056657Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_S000056657Member"/>  
  <xs:element name="S000089482Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_S000089482Member"/>  
  <xs:element name="C000247101Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_C000247101Member"/>  
  <xs:element name="C000248559Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_C000248559Member"/>  
  <xs:element name="C000179256Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_C000179256Member"/>  
  <xs:element name="C000256047Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_C000256047Member"/>  
  <xs:element name="AuthorizedParticipantConcentrationRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_AuthorizedParticipantConcentrationRiskMember"/>   
  <xs:element name="AntiTakeoverProvisionRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_AntiTakeoverProvisionRiskMember"/>  
  <xs:element name="CashTransactionsRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_CashTransactionsRiskMember"/>  
  <xs:element name="CurrencyExchangeRateRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_CurrencyExchangeRateRiskMember"/>     
  <xs:element name="CurrentMarketConditionsRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_CurrentMarketConditionsRiskMember"/> 
  <xs:element name="CustodyRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_CustodyRiskMember"/>    
  <xs:element name="ClimateChangeRelatedRisksMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_ClimateChangeRelatedRisksMember"/>  
  <xs:element name="PassiveInvestmentRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_PassiveInvestmentRiskMember"/>    
  <xs:element name="CounterpartyRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_CounterpartyRiskMember"/>    
  <xs:element name="CommonStockRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_CommonStockRiskMember"/>  
  <xs:element name="CurrencyRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_CurrencyRiskMember"/> 
  <xs:element name="ConvertibleSecuritiesRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_ConvertibleSecuritiesRiskMember"/>  
  <xs:element name="CybersecurityRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_CybersecurityRiskMember"/> 
  <xs:element name="DeflationRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_DeflationRiskMember"/>   
  <xs:element name="DerivativesRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_DerivativesRiskMember"/>  
  <xs:element name="DividendRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_DividendRiskMember"/> 
  <xs:element name="DepositaryReceiptsRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_DepositaryReceiptsRiskMember"/> 
  <xs:element name="EarlyCloseTradingHaltRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_EarlyCloseTradingHaltRiskMember"/>  
  <xs:element name="EquitySecuritiesRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_EquitySecuritiesRiskMember"/>  
  <xs:element name="DefenseCompaniesRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_DefenseCompaniesRiskMember"/>  
  <xs:element name="ForeignSecuritiesRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_ForeignSecuritiesRiskMember"/>    
  <xs:element name="ForeignAndEmergingMarketsSecuritiesRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_ForeignAndEmergingMarketsSecuritiesRiskMember"/>     
  <xs:element name="FundDistributionsRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_FundDistributionsRiskMember"/>    
  <xs:element name="FundOfFundsRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_FundOfFundsRiskMember"/>  
  <xs:element name="GeographicInvestmentRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_GeographicInvestmentRiskMember"/>     
  <xs:element name="IndexConcentrationRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_IndexConcentrationRiskMember"/> 
  <xs:element name="IndexProviderRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_IndexProviderRiskMember"/> 
  <xs:element name="IndustryConcentrationRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_IndustryConcentrationRiskMember"/>  
  <xs:element name="InternationalClosedMarketTradingRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_InternationalClosedMarketTradingRiskMember"/>    
  <xs:element name="InvestableUniverseOfCompaniesRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_InvestableUniverseOfCompaniesRiskMember"/>   
  <xs:element name="MarketMakerRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_MarketMakerRiskMember"/>  
  <xs:element name="HighYieldOrNonInvestmentGradeSecuritiesRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_HighYieldOrNonInvestmentGradeSecuritiesRiskMember"/>   
  <xs:element name="IlliquidSecuritiesRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_IlliquidSecuritiesRiskMember"/> 
  <xs:element name="InflationRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_InflationRiskMember"/>   
  <xs:element name="InflationProtectedSecuritiesRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_InflationProtectedSecuritiesRiskMember"/> 
  <xs:element name="ForeignInvestmentRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_ForeignInvestmentRiskMember"/>    
  <xs:element name="ForeignSecuritiesValuationRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_ForeignSecuritiesValuationRiskMember"/>  
  <xs:element name="ForwardForeignCurrencyContractsRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_ForwardForeignCurrencyContractsRiskMember"/>  
  <xs:element name="GeographicRegionRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_GeographicRegionRiskMember"/>  
  <xs:element name="IssuerSpecificRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_IssuerSpecificRiskMember"/>   
  <xs:element name="LeverageRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_LeverageRiskMember"/> 
  <xs:element name="LargeCapitalizationRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_LargeCapitalizationRiskMember"/>   
  <xs:element name="LimitedAuthorizedParticipantsMarketMakersAndLiquidityProvidersRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_LimitedAuthorizedParticipantsMarketMakersAndLiquidityProvidersRiskMember"/>    
  <xs:element name="LoansRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_LoansRiskMember"/>     
  <xs:element name="ManagementRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_ManagementRiskMember"/>     
  <xs:element name="MarketRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_MarketRiskMember"/>  
  <xs:element name="MidCapitalizationCompaniesRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_MidCapitalizationCompaniesRiskMember"/>  
  <xs:element name="NonCorrelationRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_NonCorrelationRiskMember"/>   
  <xs:element name="NonDiversificationRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_NonDiversificationRiskMember"/> 
  <xs:element name="MortgageBackedAndAssetBackedSecuritiesRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_MortgageBackedAndAssetBackedSecuritiesRiskMember"/> 
  <xs:element name="MunicipalSecuritiesRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_MunicipalSecuritiesRiskMember"/>   
  <xs:element name="ModelAndDataRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_ModelAndDataRiskMember"/>    
  <xs:element name="SmallerFundRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_SmallerFundRiskMember"/>  
  <xs:element name="OperationalRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_OperationalRiskMember"/>  
  <xs:element name="PreferredSecuritiesRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_PreferredSecuritiesRiskMember"/>   
  <xs:element name="RealEstateInvestmentTrustMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_RealEstateInvestmentTrustMember"/>  
  <xs:element name="RiskOfObtainingNonPublicInformationMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_RiskOfObtainingNonPublicInformationMember"/>  
  <xs:element name="RiskOfUnderlyingFundMarketPriceDiscountFromPremiumToNetAssetValueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_RiskOfUnderlyingFundMarketPriceDiscountFromPremiumToNetAssetValueMember"/>  
  <xs:element name="SelectionOfBrokersMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_SelectionOfBrokersMember"/>   
  <xs:element name="ShortSellingRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_ShortSellingRiskMember"/>    
  <xs:element name="StructuredInstrumentsRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_StructuredInstrumentsRiskMember"/>  
  <xs:element name="PortfolioTurnoverRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_PortfolioTurnoverRiskMember"/>    
  <xs:element name="PremiumDiscountRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_PremiumDiscountRiskMember"/>     
  <xs:element name="SettlementRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_SettlementRiskMember"/>     
  <xs:element name="SmallCapitalizationCompaniesRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_SmallCapitalizationCompaniesRiskMember"/> 
  <xs:element name="SouthKoreaRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_SouthKoreaRiskMember"/>     
  <xs:element name="TaxRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_TaxRiskMember"/> 
  <xs:element name="TradingIssuesRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_TradingIssuesRiskMember"/> 
  <xs:element name="PreferredStockRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_PreferredStockRiskMember"/>   
  <xs:element name="SectorFocusRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_SectorFocusRiskMember"/>  
  <xs:element name="TradingRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_TradingRiskMember"/>    
  <xs:element name="index_SP_500_Index_reflects_no_deduction_for_fees_expenses_or_taxesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_index_SP_500_Index_reflects_no_deduction_for_fees_expenses_or_taxesMember"/> 
  <xs:element name="index_MSCI_WORLD_ex_USA_Index_reflects_no_deduction_for_fees_expenses_or_taxesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_index_MSCI_WORLD_ex_USA_Index_reflects_no_deduction_for_fees_expenses_or_taxesMember"/>   
<!-- [WMV6][wmr51X9cpuqhFSEbMzTTiIr0ZMsoy1iRiCQrkmT3xvwWINW8a6ZQHrs+LNys0ygP/QsLUJY39YtiEKYnqnfPMODq3OfPllkGAZI9gVebGCXZG1YPOITYw9D9NihXFU9PyhmcjcxipemvMuXb9O0DJ0qeSXiT+sAgkLnortfZXGwJwr5YLJAD3mBRr3CX8vIIIy7hjHen0I8UkfU/VYTSWmCggtUOs61UtIpqOrYbq9D5eDwu3DvBboSYqdqpb9GwNLGvCTnPE/YjutVFnTeLjSkVS3ku4EwisBvckYNLKp1OzRWXcMZJU4ITT7TjK//yez1ukckd7qPDKqdjSpZ7Ge8K1bi+XGvBMzoS3/Gwfn2qI/CX6aASbu2nDGxL5A==] CSR-->     
  <xs:element name="index_iBoxx_Liquid_High_Yield_Index_reflects_no_deduction_for_fees_expenses_or_taxesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001547950_index_iBoxx_Liquid_High_Yield_Index_reflects_no_deduction_for_fees_expenses_or_taxesMember"/>     
</xs:schema>
