<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Fri Sep 25 19:51:40 UTC 2026 -->
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  <xs:import namespace="http://xbrl.sec.gov/oef/2026" schemaLocation="https://xbrl.sec.gov/oef/2026/oef-2026.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/oef-rr/2026" schemaLocation="https://xbrl.sec.gov/oef/2026/oef-rr-2026.xsd"/>
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  <xs:import namespace="http://xbrl.sec.gov/dei/2026" schemaLocation="https://xbrl.sec.gov/dei/2026/dei-2026.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"/>
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<!-- [WMV7][wCHL7qM9qRj4lMd1UAElyMsWisxP/aG5MKtfCvH5Qa+A7aMfCwKvUz4ZEsNPrdfYWjtbrtbIPK37h9Jbbx9Qi4y/GTjam64+vZ7zlVa3pp++HBntW8Hy33PiU+OZDXoBeEMGeElQKfiy9MkKV5CcZ6YgsZv0Sxmw8ibDkZ+lOMnAE4/sDpcup2+Sp+ZGWi9U/w6dgo/2knXuzIYWTGXAEtTT/HqNiELQ9fYfPGu/2PxEtIJ4b9Wn+KoffXshopM+dYrXG4SSb6NoVocHoC04578VmqSIoTgs0HZC7qAGotLaBfLGyEAbK8JWB1H0/KoF2KfuhpLp5UUpJ7QBk7B1gDQSYeN7R3GRyMVol2JLGXbY666HpQ==] CSR-->
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