<?xml version='1.0' encoding='US-ASCII'?><schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:atif="http://atif/20260331" xmlns:dei="http://xbrl.sec.gov/dei/2025" xmlns:srt-types="http://fasb.org/srt-types/2025" xmlns:deprecated="http://www.xbrl.org/2009/role/deprecated" xmlns:dtr="http://www.xbrl.org/2009/dtr" xmlns:oef="http://xbrl.sec.gov/oef/2025" xmlns:ref="http://www.xbrl.org/2006/ref" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:us-gaap="http://fasb.org/us-gaap/2025" xmlns:oef-pre="http://xbrl.sec.gov/oef-pre/2025" xmlns:oef-lab="http://xbrl.sec.gov/oef-lab/2025" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:country="http://xbrl.sec.gov/country/2025" xmlns:us-roles="http://fasb.org/us-roles/2025" xmlns:enum2="http://xbrl.org/2020/extensible-enumerations-2.0" xmlns:us-types="http://fasb.org/us-types/2025" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31" xmlns:oef-def="http://xbrl.sec.gov/oef-def/2025" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:srt="http://fasb.org/srt/2025" xmlns:oef-sr="http://xbrl.sec.gov/oef-sr/2025" xmlns:srt-roles="http://fasb.org/srt-roles/2025" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrli="http://www.xbrl.org/2003/instance" targetNamespace="http://atif/20260331" elementFormDefault="qualified"><import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/><import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/><import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd"/><import namespace="http://fasb.org/us-types/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-types-2025.xsd"/><import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd"/><import namespace="http://xbrl.sec.gov/country/2025" schemaLocation="https://xbrl.sec.gov/country/2025/country-2025.xsd"/><import namespace="http://fasb.org/srt/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd"/><import namespace="http://fasb.org/srt-types/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-types-2025.xsd"/><import namespace="http://xbrl.sec.gov/oef-sr/2025" schemaLocation="https://xbrl.sec.gov/oef/2025/oef-sr-2025.xsd"/><import namespace="http://fasb.org/us-gaap/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd"/><import namespace="http://fasb.org/us-roles/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-roles-2025.xsd"/><import namespace="http://fasb.org/srt-roles/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-roles-2025.xsd"/><annotation><appinfo><link:linkbase id="lnk"><link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member"/><link:roleRef roleURI="http://xbrl.sec.gov/oef/role/ShareholderReport" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#ShareholderReport"/><link:roleRef roleURI="http://xbrl.sec.gov/oef/role/ShareholderReportHoldingsDetails" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#ShareholderReportHoldingsDetails"/><link:roleRef roleURI="http://xbrl.sec.gov/oef/role/ShareholderReportLineGraphDetails" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#ShareholderReportLineGraphDetails"/><link:roleRef roleURI="http://xbrl.sec.gov/oef/role/ShareholderReportAverageAnnualReturnDetails" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#ShareholderReportAverageAnnualReturnDetails"/><link:roleRef roleURI="http://xbrl.sec.gov/oef/role/ClassOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#ClassOnly"/><link:roleRef roleURI="http://xbrl.sec.gov/oef/role/IndustrySectorOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#IndustrySectorOnly"/><link:roleRef roleURI="http://xbrl.sec.gov/oef/role/LargestHoldingOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#LargestHoldingOnly"/><link:presentationLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/oef/role/ShareholderReport"><link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#oef_ShareClassDomain" xlink:label="ShareClassDomain"/><link:loc xlink:type="locator" xlink:href="#atif_C000229637Member" xlink:label="C000229637Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000229637Member" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_C000229638Member" xlink:label="C000229638Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000229638Member" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/></link:presentationLink><link:presentationLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/oef/role/ShareholderReportHoldingsDetails"><link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#oef_ShareClassDomain" xlink:label="ShareClassDomain"/><link:loc xlink:type="locator" xlink:href="#atif_C000229637Member" xlink:label="C000229637Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000229637Member" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_C000229638Member" xlink:label="C000229638Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000229638Member" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#oef_IndustrySectorDomain" xlink:label="IndustrySectorDomain"/><link:loc xlink:type="locator" xlink:href="#atif_Technology00724F101SectorMember" xlink:label="Technology00724F101SectorMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="IndustrySectorDomain" xlink:to="Technology00724F101SectorMember" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_Financials025816CX5SectorMember" xlink:label="Financials025816CX5SectorMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="IndustrySectorDomain" xlink:to="Financials025816CX5SectorMember" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_MBSPassthrough31418E5Q9SectorMember" xlink:label="MBSPassthrough31418E5Q9SectorMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="IndustrySectorDomain" xlink:to="MBSPassthrough31418E5Q9SectorMember" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HealthcareSectorMember" xlink:label="HealthcareSectorMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="IndustrySectorDomain" xlink:to="HealthcareSectorMember" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#oef_CommunicationsSectorMember" xlink:label="CommunicationsSectorMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="IndustrySectorDomain" xlink:to="CommunicationsSectorMember" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="1"/><link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#oef_ConsumerDiscretionarySectorMember" xlink:label="ConsumerDiscretionarySectorMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="IndustrySectorDomain" xlink:to="ConsumerDiscretionarySectorMember" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="1"/><link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TechnologySectorMember" xlink:label="TechnologySectorMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="IndustrySectorDomain" xlink:to="TechnologySectorMember" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_FinancialsSectorMember" xlink:label="FinancialsSectorMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="IndustrySectorDomain" xlink:to="FinancialsSectorMember" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_MBSPassthroughSectorMember" xlink:label="MBSPassthroughSectorMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="IndustrySectorDomain" xlink:to="MBSPassthroughSectorMember" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#oef_LargestHoldingsDomain" xlink:label="LargestHoldingsDomain"/><link:loc xlink:type="locator" xlink:href="#atif_GinnieMaeIIPool62053Minus06Minus20CTIMember" xlink:label="GinnieMaeIIPool62053Minus06Minus20CTIMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="LargestHoldingsDomain" xlink:to="GinnieMaeIIPool62053Minus06Minus20CTIMember" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_GinnieMaeIIPool552052Minus10Minus20CTIMember" xlink:label="GinnieMaeIIPool552052Minus10Minus20CTIMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="LargestHoldingsDomain" xlink:to="GinnieMaeIIPool552052Minus10Minus20CTIMember" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_MorganStanleySeriesF52972037Minus04Minus20CTIMember" xlink:label="MorganStanleySeriesF52972037Minus04Minus20CTIMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="LargestHoldingsDomain" xlink:to="MorganStanleySeriesF52972037Minus04Minus20CTIMember" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_CapitalOneFinancialCorporation52682033Minus05Minus10CTIMember" xlink:label="CapitalOneFinancialCorporation52682033Minus05Minus10CTIMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="LargestHoldingsDomain" xlink:to="CapitalOneFinancialCorporation52682033Minus05Minus10CTIMember" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_JPMorganChaseCompany57172033Minus09Minus14CTIMember" xlink:label="JPMorganChaseCompany57172033Minus09Minus14CTIMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="LargestHoldingsDomain" xlink:to="JPMorganChaseCompany57172033Minus09Minus14CTIMember" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_GinnieMaeIIPool652053Minus03Minus20CTIMember" xlink:label="GinnieMaeIIPool652053Minus03Minus20CTIMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="LargestHoldingsDomain" xlink:to="GinnieMaeIIPool652053Minus03Minus20CTIMember" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_AnnalyCapitalManagementIncCTIMember" xlink:label="AnnalyCapitalManagementIncCTIMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="LargestHoldingsDomain" xlink:to="AnnalyCapitalManagementIncCTIMember" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_AGNCInvestmentCorporationCTIMember" xlink:label="AGNCInvestmentCorporationCTIMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="LargestHoldingsDomain" xlink:to="AGNCInvestmentCorporationCTIMember" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_BankofAmericaCorporation38462037Minus03Minus08CTIMember" xlink:label="BankofAmericaCorporation38462037Minus03Minus08CTIMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="LargestHoldingsDomain" xlink:to="BankofAmericaCorporation38462037Minus03Minus08CTIMember" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_GinnieMaeIIPool552053Minus11Minus20CTIMember" xlink:label="GinnieMaeIIPool552053Minus11Minus20CTIMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="LargestHoldingsDomain" xlink:to="GinnieMaeIIPool552053Minus11Minus20CTIMember" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/></link:presentationLink><link:presentationLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/oef/role/ShareholderReportLineGraphDetails"><link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#oef_ShareClassDomain" xlink:label="ShareClassDomain"/><link:loc xlink:type="locator" xlink:href="#atif_C000229637Member" xlink:label="C000229637Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000229637Member" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_C000229638Member" xlink:label="C000229638Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000229638Member" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/></link:presentationLink><link:presentationLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/oef/role/ShareholderReportAverageAnnualReturnDetails"><link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#oef_ShareClassDomain" xlink:label="ShareClassDomain"/><link:loc xlink:type="locator" xlink:href="#atif_C000229637Member" xlink:label="C000229637Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000229637Member" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_C000229638Member" xlink:label="C000229638Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000229638Member" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/></link:presentationLink><link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/oef/role/ClassOnly"><link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#oef_ShareClassDomain" xlink:label="ShareClassDomain"/><link:loc xlink:type="locator" xlink:href="#atif_C000229637Member" xlink:label="C000229637Member"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="ShareClassDomain" xlink:to="C000229637Member" order="1.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_C000229638Member" xlink:label="C000229638Member"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="ShareClassDomain" xlink:to="C000229638Member" order="2.0" priority="1"/></link:definitionLink><link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/oef/role/IndustrySectorOnly"><link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#oef_IndustrySectorDomain" xlink:label="IndustrySectorDomain"/><link:loc xlink:type="locator" xlink:href="#atif_Technology00724F101SectorMember" xlink:label="Technology00724F101SectorMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="IndustrySectorDomain" xlink:to="Technology00724F101SectorMember" order="1.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_Financials025816CX5SectorMember" xlink:label="Financials025816CX5SectorMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="IndustrySectorDomain" xlink:to="Financials025816CX5SectorMember" order="2.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_MBSPassthrough31418E5Q9SectorMember" xlink:label="MBSPassthrough31418E5Q9SectorMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="IndustrySectorDomain" xlink:to="MBSPassthrough31418E5Q9SectorMember" order="3.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_FinancialsSectorMember" xlink:label="FinancialsSectorMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="IndustrySectorDomain" xlink:to="FinancialsSectorMember" order="8.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_MBSPassthroughSectorMember" xlink:label="MBSPassthroughSectorMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="IndustrySectorDomain" xlink:to="MBSPassthroughSectorMember" order="9.0" priority="1"/></link:definitionLink><link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/oef/role/LargestHoldingOnly"><link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#oef_LargestHoldingsDomain" xlink:label="LargestHoldingsDomain"/><link:loc xlink:type="locator" xlink:href="#atif_GinnieMaeIIPool62053Minus06Minus20CTIMember" xlink:label="GinnieMaeIIPool62053Minus06Minus20CTIMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="LargestHoldingsDomain" xlink:to="GinnieMaeIIPool62053Minus06Minus20CTIMember" order="1.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_GinnieMaeIIPool552052Minus10Minus20CTIMember" xlink:label="GinnieMaeIIPool552052Minus10Minus20CTIMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="LargestHoldingsDomain" xlink:to="GinnieMaeIIPool552052Minus10Minus20CTIMember" order="2.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_MorganStanleySeriesF52972037Minus04Minus20CTIMember" xlink:label="MorganStanleySeriesF52972037Minus04Minus20CTIMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="LargestHoldingsDomain" xlink:to="MorganStanleySeriesF52972037Minus04Minus20CTIMember" order="3.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_CapitalOneFinancialCorporation52682033Minus05Minus10CTIMember" xlink:label="CapitalOneFinancialCorporation52682033Minus05Minus10CTIMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="LargestHoldingsDomain" xlink:to="CapitalOneFinancialCorporation52682033Minus05Minus10CTIMember" order="4.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_JPMorganChaseCompany57172033Minus09Minus14CTIMember" xlink:label="JPMorganChaseCompany57172033Minus09Minus14CTIMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="LargestHoldingsDomain" xlink:to="JPMorganChaseCompany57172033Minus09Minus14CTIMember" order="5.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_GinnieMaeIIPool652053Minus03Minus20CTIMember" xlink:label="GinnieMaeIIPool652053Minus03Minus20CTIMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="LargestHoldingsDomain" xlink:to="GinnieMaeIIPool652053Minus03Minus20CTIMember" order="6.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_AnnalyCapitalManagementIncCTIMember" xlink:label="AnnalyCapitalManagementIncCTIMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="LargestHoldingsDomain" xlink:to="AnnalyCapitalManagementIncCTIMember" order="7.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_AGNCInvestmentCorporationCTIMember" xlink:label="AGNCInvestmentCorporationCTIMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="LargestHoldingsDomain" xlink:to="AGNCInvestmentCorporationCTIMember" order="8.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_BankofAmericaCorporation38462037Minus03Minus08CTIMember" xlink:label="BankofAmericaCorporation38462037Minus03Minus08CTIMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="LargestHoldingsDomain" xlink:to="BankofAmericaCorporation38462037Minus03Minus08CTIMember" order="9.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_GinnieMaeIIPool552053Minus11Minus20CTIMember" xlink:label="GinnieMaeIIPool552053Minus11Minus20CTIMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="LargestHoldingsDomain" xlink:to="GinnieMaeIIPool552053Minus11Minus20CTIMember" order="10.0" priority="1"/></link:definitionLink><link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link"><link:loc xlink:type="locator" xlink:href="#atif_C000229637Member" xlink:label="C000229637Member"/><link:label xlink:type="resource" xlink:label="label_C000229637Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000229637</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000229637Member" xlink:to="label_C000229637Member" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_C000229638Member" xlink:label="C000229638Member"/><link:label xlink:type="resource" xlink:label="label_C000229638Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000229638</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000229638Member" xlink:to="label_C000229638Member" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_Technology00724F101SectorMember" xlink:label="Technology00724F101SectorMember"/><link:label xlink:type="resource" xlink:label="label_Technology00724F101SectorMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Technology00724F101</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Technology00724F101SectorMember" xlink:to="label_Technology00724F101SectorMember" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_Financials025816CX5SectorMember" xlink:label="Financials025816CX5SectorMember"/><link:label xlink:type="resource" xlink:label="label_Financials025816CX5SectorMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Financials025816CX5</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Financials025816CX5SectorMember" xlink:to="label_Financials025816CX5SectorMember" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_MBSPassthrough31418E5Q9SectorMember" xlink:label="MBSPassthrough31418E5Q9SectorMember"/><link:label xlink:type="resource" xlink:label="label_MBSPassthrough31418E5Q9SectorMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">MBS Passthrough31418E5Q9</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MBSPassthrough31418E5Q9SectorMember" xlink:to="label_MBSPassthrough31418E5Q9SectorMember" priority="1"/><link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HealthcareSectorMember" xlink:label="HealthcareSectorMember"/><link:label xlink:type="resource" xlink:label="label_HealthcareSectorMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Health Care</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="HealthcareSectorMember" xlink:to="label_HealthcareSectorMember" priority="1"/><link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#oef_CommunicationsSectorMember" xlink:label="CommunicationsSectorMember"/><link:label xlink:type="resource" xlink:label="label_CommunicationsSectorMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US">Communications</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommunicationsSectorMember" xlink:to="label_CommunicationsSectorMember" priority="1"/><link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/oef/2025/oef-2025.xsd#oef_ConsumerDiscretionarySectorMember" xlink:label="ConsumerDiscretionarySectorMember"/><link:label xlink:type="resource" xlink:label="label_ConsumerDiscretionarySectorMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US">Consumer Discretionary</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConsumerDiscretionarySectorMember" xlink:to="label_ConsumerDiscretionarySectorMember" priority="1"/><link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TechnologySectorMember" xlink:label="TechnologySectorMember"/><link:label xlink:type="resource" xlink:label="label_TechnologySectorMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Technology</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TechnologySectorMember" xlink:to="label_TechnologySectorMember" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_FinancialsSectorMember" xlink:label="FinancialsSectorMember"/><link:label xlink:type="resource" xlink:label="label_FinancialsSectorMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Financials</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancialsSectorMember" xlink:to="label_FinancialsSectorMember" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_MBSPassthroughSectorMember" xlink:label="MBSPassthroughSectorMember"/><link:label xlink:type="resource" xlink:label="label_MBSPassthroughSectorMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">MBS Passthrough</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MBSPassthroughSectorMember" xlink:to="label_MBSPassthroughSectorMember" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_GinnieMaeIIPool62053Minus06Minus20CTIMember" xlink:label="GinnieMaeIIPool62053Minus06Minus20CTIMember"/><link:label xlink:type="resource" xlink:label="label_GinnieMaeIIPool62053Minus06Minus20CTIMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Ginnie Mae II Pool, 6, 2053-06-20</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GinnieMaeIIPool62053Minus06Minus20CTIMember" xlink:to="label_GinnieMaeIIPool62053Minus06Minus20CTIMember" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_GinnieMaeIIPool552052Minus10Minus20CTIMember" xlink:label="GinnieMaeIIPool552052Minus10Minus20CTIMember"/><link:label xlink:type="resource" xlink:label="label_GinnieMaeIIPool552052Minus10Minus20CTIMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Ginnie Mae II Pool, 5.5, 2052-10-20</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GinnieMaeIIPool552052Minus10Minus20CTIMember" xlink:to="label_GinnieMaeIIPool552052Minus10Minus20CTIMember" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_MorganStanleySeriesF52972037Minus04Minus20CTIMember" xlink:label="MorganStanleySeriesF52972037Minus04Minus20CTIMember"/><link:label xlink:type="resource" xlink:label="label_MorganStanleySeriesF52972037Minus04Minus20CTIMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Morgan Stanley, Series F, 5.297, 2037-04-20</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MorganStanleySeriesF52972037Minus04Minus20CTIMember" xlink:to="label_MorganStanleySeriesF52972037Minus04Minus20CTIMember" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_CapitalOneFinancialCorporation52682033Minus05Minus10CTIMember" xlink:label="CapitalOneFinancialCorporation52682033Minus05Minus10CTIMember"/><link:label xlink:type="resource" xlink:label="label_CapitalOneFinancialCorporation52682033Minus05Minus10CTIMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Capital One Financial Corporation, 5.268, 2033-05-10</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CapitalOneFinancialCorporation52682033Minus05Minus10CTIMember" xlink:to="label_CapitalOneFinancialCorporation52682033Minus05Minus10CTIMember" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_JPMorganChaseCompany57172033Minus09Minus14CTIMember" xlink:label="JPMorganChaseCompany57172033Minus09Minus14CTIMember"/><link:label xlink:type="resource" xlink:label="label_JPMorganChaseCompany57172033Minus09Minus14CTIMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">JPMorgan Chase &amp; Company, 5.717, 2033-09-14</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="JPMorganChaseCompany57172033Minus09Minus14CTIMember" xlink:to="label_JPMorganChaseCompany57172033Minus09Minus14CTIMember" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_GinnieMaeIIPool652053Minus03Minus20CTIMember" xlink:label="GinnieMaeIIPool652053Minus03Minus20CTIMember"/><link:label xlink:type="resource" xlink:label="label_GinnieMaeIIPool652053Minus03Minus20CTIMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Ginnie Mae II Pool, 6.5, 2053-03-20</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GinnieMaeIIPool652053Minus03Minus20CTIMember" xlink:to="label_GinnieMaeIIPool652053Minus03Minus20CTIMember" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_AnnalyCapitalManagementIncCTIMember" xlink:label="AnnalyCapitalManagementIncCTIMember"/><link:label xlink:type="resource" xlink:label="label_AnnalyCapitalManagementIncCTIMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Annaly Capital Management, Inc.</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AnnalyCapitalManagementIncCTIMember" xlink:to="label_AnnalyCapitalManagementIncCTIMember" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_AGNCInvestmentCorporationCTIMember" xlink:label="AGNCInvestmentCorporationCTIMember"/><link:label xlink:type="resource" xlink:label="label_AGNCInvestmentCorporationCTIMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">AGNC Investment Corporation</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AGNCInvestmentCorporationCTIMember" xlink:to="label_AGNCInvestmentCorporationCTIMember" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_BankofAmericaCorporation38462037Minus03Minus08CTIMember" xlink:label="BankofAmericaCorporation38462037Minus03Minus08CTIMember"/><link:label xlink:type="resource" xlink:label="label_BankofAmericaCorporation38462037Minus03Minus08CTIMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Bank of America Corporation, 3.846, 2037-03-08</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BankofAmericaCorporation38462037Minus03Minus08CTIMember" xlink:to="label_BankofAmericaCorporation38462037Minus03Minus08CTIMember" priority="1"/><link:loc xlink:type="locator" xlink:href="#atif_GinnieMaeIIPool552053Minus11Minus20CTIMember" xlink:label="GinnieMaeIIPool552053Minus11Minus20CTIMember"/><link:label xlink:type="resource" xlink:label="label_GinnieMaeIIPool552053Minus11Minus20CTIMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Ginnie Mae II Pool, 5.5, 2053-11-20</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GinnieMaeIIPool552053Minus11Minus20CTIMember" xlink:to="label_GinnieMaeIIPool552053Minus11Minus20CTIMember" priority="1"/><link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag"/><link:label xlink:type="resource" xlink:label="label_NoTradingSymbolFlag" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">No Trading Symbol [Flag]</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoTradingSymbolFlag" xlink:to="label_NoTradingSymbolFlag" priority="1"/><link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsNet" xlink:label="AssetsNet"/><link:label xlink:type="resource" xlink:label="label_AssetsNet" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">AssetsNet</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssetsNet" xlink:to="label_AssetsNet" priority="1"/><link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentCompanyPortfolioTurnover" xlink:label="InvestmentCompanyPortfolioTurnover"/><link:label xlink:type="resource" xlink:label="label_InvestmentCompanyPortfolioTurnover" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">InvestmentCompanyPortfolioTurnover</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentCompanyPortfolioTurnover" xlink:to="label_InvestmentCompanyPortfolioTurnover" priority="1"/></link:labelLink></link:linkbase></appinfo></annotation><element name="C000229637Member" id="atif_C000229637Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="C000229638Member" id="atif_C000229638Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="Technology00724F101SectorMember" id="atif_Technology00724F101SectorMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="Financials025816CX5SectorMember" id="atif_Financials025816CX5SectorMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="MBSPassthrough31418E5Q9SectorMember" id="atif_MBSPassthrough31418E5Q9SectorMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="FinancialsSectorMember" id="atif_FinancialsSectorMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="MBSPassthroughSectorMember" id="atif_MBSPassthroughSectorMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="GinnieMaeIIPool62053Minus06Minus20CTIMember" id="atif_GinnieMaeIIPool62053Minus06Minus20CTIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="GinnieMaeIIPool552052Minus10Minus20CTIMember" id="atif_GinnieMaeIIPool552052Minus10Minus20CTIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="MorganStanleySeriesF52972037Minus04Minus20CTIMember" id="atif_MorganStanleySeriesF52972037Minus04Minus20CTIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="CapitalOneFinancialCorporation52682033Minus05Minus10CTIMember" id="atif_CapitalOneFinancialCorporation52682033Minus05Minus10CTIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="JPMorganChaseCompany57172033Minus09Minus14CTIMember" id="atif_JPMorganChaseCompany57172033Minus09Minus14CTIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="GinnieMaeIIPool652053Minus03Minus20CTIMember" id="atif_GinnieMaeIIPool652053Minus03Minus20CTIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="AnnalyCapitalManagementIncCTIMember" id="atif_AnnalyCapitalManagementIncCTIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="AGNCInvestmentCorporationCTIMember" id="atif_AGNCInvestmentCorporationCTIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="BankofAmericaCorporation38462037Minus03Minus08CTIMember" id="atif_BankofAmericaCorporation38462037Minus03Minus08CTIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="GinnieMaeIIPool552053Minus11Minus20CTIMember" id="atif_GinnieMaeIIPool552053Minus11Minus20CTIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/></schema>
