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  <xs:element id="fbp_VanguardTargetRetirement2060FundMember" abstract="true" nillable="true" name="VanguardTargetRetirement2060FundMember" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="fbp_VanguardTargetRetirement2065FundMember" abstract="true" nillable="true" name="VanguardTargetRetirement2065FundMember" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="fbp_VanguardTotalBondMarketIndexFundInstitutionalSharesMember" abstract="true" nillable="true" name="VanguardTotalBondMarketIndexFundInstitutionalSharesMember" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="fbp_StateStreetInstitutionalUSGovernmentMoneyMarketFundMember" abstract="true" nillable="true" name="StateStreetInstitutionalUSGovernmentMoneyMarketFundMember" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="fbp_SchwabTreasuryObligationMoneyFundMember" abstract="true" nillable="true" name="SchwabTreasuryObligationMoneyFundMember" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="fbp_VanguardTargetRetirement2025FundMember" abstract="true" nillable="true" name="VanguardTargetRetirement2025FundMember" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="fbp_VanguardTotalBondMarketIndexFundMember" abstract="true" nillable="true" name="VanguardTotalBondMarketIndexFundMember" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"></xs:element>
  <xs:element id="fbp_Secure20ActMember" abstract="true" nillable="true" name="Secure20ActMember" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"></xs:element>
</xs:schema>
