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  <xsd:element name="DfaWorldExU.s.CoreEquityIndexInstFundMember" id="dds_DfaWorldExU.s.CoreEquityIndexInstFundMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="HarborCapitalAppreciationCitClass4Member" id="dds_HarborCapitalAppreciationCitClass4Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="StateStreetRussellSmallMidCapIndexSlClassIiMember" id="dds_StateStreetRussellSmallMidCapIndexSlClassIiMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="StateStreetGlobalAllCapEquityExUsIndexSlClassIiMember" id="dds_StateStreetGlobalAllCapEquityExUsIndexSlClassIiMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="StateStreetU.s.BondIndexSlClassXivMember" id="dds_StateStreetU.s.BondIndexSlClassXivMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="StateStreetSP500IndexSlClassIiMember" id="dds_StateStreetSP500IndexSlClassIiMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="StateStreetU.s.InflationProtectedBondIndexSlClassIiMember" id="dds_StateStreetU.s.InflationProtectedBondIndexSlClassIiMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="GalliardStableReturnFundXMember" id="dds_GalliardStableReturnFundXMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DillardsIncMember" id="dds_DillardsIncMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanCommonStockParOrStatedValuePerShare" id="dds_EmployeeBenefitPlanCommonStockParOrStatedValuePerShare" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="Employeebenefitplanchangeinnetassetavailableforbenefitdecreaseforadministrativecompensationexpense" id="dds_Employeebenefitplanchangeinnetassetavailableforbenefitdecreaseforadministrativecompensationexpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
</xsd:schema>
