<?xml version='1.0' encoding='US-ASCII'?><schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:federated="http://federated/20260531" 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://federated/20260531" 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://fasb.org/us-gaap/role/eedm/ExtensibleEnumerationLists" xlink:type="simple" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-roles-2025.xsd#eedm"/><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="#federated_C000024768Member" xlink:label="C000024768Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000024768Member" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000024770Member" xlink:label="C000024770Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000024770Member" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000024771Member" xlink:label="C000024771Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000024771Member" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000062220Member" xlink:label="C000062220Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000062220Member" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000173769Member" xlink:label="C000173769Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000173769Member" order="5.0" 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="#federated_C000024768Member" xlink:label="C000024768Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000024768Member" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000024770Member" xlink:label="C000024770Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000024770Member" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000024771Member" xlink:label="C000024771Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000024771Member" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000062220Member" xlink:label="C000062220Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000062220Member" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000173769Member" xlink:label="C000173769Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000173769Member" order="5.0" 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_InvestmentTypeCategorizationMember" xlink:label="InvestmentTypeCategorizationMember"/><link:loc xlink:type="locator" xlink:href="#federated_PreferredStocksCTIMember" xlink:label="PreferredStocksCTIMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="InvestmentTypeCategorizationMember" xlink:to="PreferredStocksCTIMember" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_MortgageMinusBackedSecuritiesCTIMember" xlink:label="MortgageMinusBackedSecuritiesCTIMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="InvestmentTypeCategorizationMember" xlink:to="MortgageMinusBackedSecuritiesCTIMember" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_CommonStocksCTIMember" xlink:label="CommonStocksCTIMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="InvestmentTypeCategorizationMember" xlink:to="CommonStocksCTIMember" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_MunicipalBondsCTIMember" xlink:label="MunicipalBondsCTIMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="InvestmentTypeCategorizationMember" xlink:to="MunicipalBondsCTIMember" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_CashEquivalentsCTIMember" xlink:label="CashEquivalentsCTIMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="InvestmentTypeCategorizationMember" xlink:to="CashEquivalentsCTIMember" order="5.0" 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_CorporateDebtSecuritiesMember" xlink:label="CorporateDebtSecuritiesMember"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="InvestmentTypeCategorizationMember" xlink:to="CorporateDebtSecuritiesMember" order="6.0" 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="#federated_C000024768Member" xlink:label="C000024768Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000024768Member" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000024770Member" xlink:label="C000024770Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000024770Member" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000024771Member" xlink:label="C000024771Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000024771Member" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000062220Member" xlink:label="C000062220Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000062220Member" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000173769Member" xlink:label="C000173769Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000173769Member" order="5.0" 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="#federated_C000024768Member" xlink:label="C000024768Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000024768Member" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000024770Member" xlink:label="C000024770Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000024770Member" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000024771Member" xlink:label="C000024771Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000024771Member" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000062220Member" xlink:label="C000062220Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000062220Member" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/label" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000173769Member" xlink:label="C000173769Member"/><link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="ShareClassDomain" xlink:to="C000173769Member" order="5.0" 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="#federated_C000024768Member" xlink:label="C000024768Member"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="ShareClassDomain" xlink:to="C000024768Member" order="1.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000024770Member" xlink:label="C000024770Member"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="ShareClassDomain" xlink:to="C000024770Member" order="2.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000024771Member" xlink:label="C000024771Member"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="ShareClassDomain" xlink:to="C000024771Member" order="3.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000062220Member" xlink:label="C000062220Member"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="ShareClassDomain" xlink:to="C000062220Member" order="4.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000173769Member" xlink:label="C000173769Member"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="ShareClassDomain" xlink:to="C000173769Member" order="5.0" priority="1"/></link:definitionLink><link:definitionLink xlink:type="extended" xlink:role="http://fasb.org/us-gaap/role/eedm/ExtensibleEnumerationLists"><link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="InvestmentTypeCategorizationMember"/><link:loc xlink:type="locator" xlink:href="#federated_PreferredStocksCTIMember" xlink:label="PreferredStocksCTIMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="InvestmentTypeCategorizationMember" xlink:to="PreferredStocksCTIMember" order="1.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_MortgageMinusBackedSecuritiesCTIMember" xlink:label="MortgageMinusBackedSecuritiesCTIMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="InvestmentTypeCategorizationMember" xlink:to="MortgageMinusBackedSecuritiesCTIMember" order="2.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_CommonStocksCTIMember" xlink:label="CommonStocksCTIMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="InvestmentTypeCategorizationMember" xlink:to="CommonStocksCTIMember" order="3.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_MunicipalBondsCTIMember" xlink:label="MunicipalBondsCTIMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="InvestmentTypeCategorizationMember" xlink:to="MunicipalBondsCTIMember" order="4.0" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_CashEquivalentsCTIMember" xlink:label="CashEquivalentsCTIMember"/><link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="InvestmentTypeCategorizationMember" xlink:to="CashEquivalentsCTIMember" order="5.0" 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="#federated_C000024768Member" xlink:label="C000024768Member"/><link:label xlink:type="resource" xlink:label="label_C000024768Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000024768</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000024768Member" xlink:to="label_C000024768Member" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000024770Member" xlink:label="C000024770Member"/><link:label xlink:type="resource" xlink:label="label_C000024770Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000024770</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000024770Member" xlink:to="label_C000024770Member" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000024771Member" xlink:label="C000024771Member"/><link:label xlink:type="resource" xlink:label="label_C000024771Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000024771</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000024771Member" xlink:to="label_C000024771Member" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000062220Member" xlink:label="C000062220Member"/><link:label xlink:type="resource" xlink:label="label_C000062220Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000062220</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000062220Member" xlink:to="label_C000062220Member" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_C000173769Member" xlink:label="C000173769Member"/><link:label xlink:type="resource" xlink:label="label_C000173769Member" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">C000173769</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="C000173769Member" xlink:to="label_C000173769Member" priority="1"/><link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentTypeAxis" xlink:label="InvestmentTypeAxis"/><link:label xlink:type="resource" xlink:label="label_InvestmentTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Investment Type [Axis]</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentTypeAxis" xlink:to="label_InvestmentTypeAxis" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_PreferredStocksCTIMember" xlink:label="PreferredStocksCTIMember"/><link:label xlink:type="resource" xlink:label="label_PreferredStocksCTIMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Preferred Stocks</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreferredStocksCTIMember" xlink:to="label_PreferredStocksCTIMember" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_MortgageMinusBackedSecuritiesCTIMember" xlink:label="MortgageMinusBackedSecuritiesCTIMember"/><link:label xlink:type="resource" xlink:label="label_MortgageMinusBackedSecuritiesCTIMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Mortgage-Backed Securities</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MortgageMinusBackedSecuritiesCTIMember" xlink:to="label_MortgageMinusBackedSecuritiesCTIMember" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_CommonStocksCTIMember" xlink:label="CommonStocksCTIMember"/><link:label xlink:type="resource" xlink:label="label_CommonStocksCTIMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Common Stocks</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommonStocksCTIMember" xlink:to="label_CommonStocksCTIMember" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_MunicipalBondsCTIMember" xlink:label="MunicipalBondsCTIMember"/><link:label xlink:type="resource" xlink:label="label_MunicipalBondsCTIMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Municipal Bonds</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MunicipalBondsCTIMember" xlink:to="label_MunicipalBondsCTIMember" priority="1"/><link:loc xlink:type="locator" xlink:href="#federated_CashEquivalentsCTIMember" xlink:label="CashEquivalentsCTIMember"/><link:label xlink:type="resource" xlink:label="label_CashEquivalentsCTIMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Cash Equivalents</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CashEquivalentsCTIMember" xlink:to="label_CashEquivalentsCTIMember" priority="1"/><link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CorporateDebtSecuritiesMember" xlink:label="CorporateDebtSecuritiesMember"/><link:label xlink:type="resource" xlink:label="label_CorporateDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US">Corporate Debt Securities</link:label><link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CorporateDebtSecuritiesMember" xlink:to="label_CorporateDebtSecuritiesMember" 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="C000024768Member" id="federated_C000024768Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="C000024770Member" id="federated_C000024770Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="C000024771Member" id="federated_C000024771Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="C000062220Member" id="federated_C000062220Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="C000173769Member" id="federated_C000173769Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="PreferredStocksCTIMember" id="federated_PreferredStocksCTIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="MortgageMinusBackedSecuritiesCTIMember" id="federated_MortgageMinusBackedSecuritiesCTIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="CommonStocksCTIMember" id="federated_CommonStocksCTIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="MunicipalBondsCTIMember" id="federated_MunicipalBondsCTIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/><element name="CashEquivalentsCTIMember" id="federated_CashEquivalentsCTIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/></schema>
