<?xml version="1.0" encoding="UTF-8"?><!-- edited with XMLSPY v2004 rel. 3 U (http://www.xmlspy.com) by Kristen Altobello (Kearney & Company) --><xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" elementFormDefault="qualified" attributeFormDefault="unqualified">	<xs:element name="Transmission">		<xs:complexType>			<xs:sequence>				<xs:element name="Project" maxOccurs="unbounded">					<xs:complexType>						<xs:sequence>							<xs:element name="FinancialNote" maxOccurs="unbounded">								<xs:complexType>									<xs:sequence>										<xs:element name="Disbursement" minOccurs="0" maxOccurs="unbounded">											<xs:complexType>												<xs:sequence>													<xs:element name="DisbursementSource" minOccurs="0" maxOccurs="unbounded">														<xs:complexType>															<xs:attribute name="DisbursementSource" use="optional">																<xs:simpleType>																	<xs:restriction base="xs:string">																		<xs:minLength value="1"/>																		<xs:maxLength value="100"/>																	</xs:restriction>																</xs:simpleType>															</xs:attribute>															<xs:attribute name="SourceAmount" use="optional">																<xs:simpleType>																	<xs:restriction base="xs:decimal">																		<xs:totalDigits value="15"/>																		<xs:fractionDigits value="2"/>																	</xs:restriction>																</xs:simpleType>															</xs:attribute>														</xs:complexType>													</xs:element>												</xs:sequence>												<xs:attribute name="DisbursementId" type="xs:integer" use="optional"/>												<xs:attribute name="DisbursementDate" type="xs:date" use="optional"/>												<xs:attribute name="TotalDisbursementAmount" use="optional">													<xs:simpleType>														<xs:restriction base="xs:decimal">															<xs:totalDigits value="15"/>															<xs:fractionDigits value="2"/>														</xs:restriction>													</xs:simpleType>												</xs:attribute>												<xs:attribute name="StreetAddressLine1" type="xs:string" use="optional"/>												<xs:attribute name="StreetAddressLine2" type="xs:string" use="optional"/>												<xs:attribute name="City" type="xs:string" use="optional"/>												<xs:attribute name="State" type="xs:string" use="optional"/>												<xs:attribute name="ZipCode5" type="xs:integer" use="optional"/>												<xs:attribute name="ZipCodePlus4" type="xs:integer" use="optional"/>											</xs:complexType>										</xs:element>									</xs:sequence>									<xs:attribute name="OriginatorTransactionId" use="required">										<xs:simpleType>											<xs:restriction base="xs:string">												<xs:minLength value="1"/>												<xs:maxLength value="20"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="DateClosed" type="xs:date" use="required"/>									<xs:attribute name="OriginalLoanInvestmentAmount" type="xs:decimal" use="required"/>									<xs:attribute name="Refinancing" use="required">										<xs:simpleType>											<xs:restriction base="xs:string">												<xs:minLength value="1"/>												<xs:maxLength value="20"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="Purpose" use="required">										<xs:simpleType>											<xs:restriction base="xs:string">												<xs:minLength value="1"/>												<xs:maxLength value="20"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="ConstructionOrPermanant" use="optional">										<xs:simpleType>											<xs:restriction base="xs:string">												<xs:minLength value="1"/>												<xs:maxLength value="20"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="TakeOutFinancing" use="optional">										<xs:simpleType>											<xs:restriction base="xs:string">												<xs:minLength value="1"/>												<xs:maxLength value="20"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="AquisitionOrRehab" use="optional">										<xs:simpleType>											<xs:restriction base="xs:string">												<xs:minLength value="1"/>												<xs:maxLength value="20"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="RehabValue" type="xs:decimal" use="optional"/>									<xs:attribute name="OriginationFees" type="xs:decimal" use="optional"/>									<xs:attribute name="TransactionType" use="required">										<xs:simpleType>											<xs:restriction base="xs:string">												<xs:minLength value="1"/>												<xs:maxLength value="20"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="InterestRate" use="optional">										<xs:simpleType>											<xs:restriction base="xs:decimal">												<xs:totalDigits value="6"/>												<xs:fractionDigits value="3"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="InterestType" use="optional">										<xs:simpleType>											<xs:restriction base="xs:string">												<xs:minLength value="1"/>												<xs:maxLength value="20"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="Points" use="optional">										<xs:simpleType>											<xs:restriction base="xs:decimal">												<xs:totalDigits value="6"/>												<xs:fractionDigits value="3"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="AmortizationType" use="optional">										<xs:simpleType>											<xs:restriction base="xs:string">												<xs:minLength value="1"/>												<xs:maxLength value="20"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="PeriodOfInterestOnlyPayments" type="xs:integer" use="optional"/>									<xs:attribute name="Term" type="xs:integer" use="optional"/>									<xs:attribute name="DateFirstPaymentDue" type="xs:date" use="optional"/>									<xs:attribute name="Guarantee" type="xs:string" use="optional"/>									<xs:attribute name="LienPosition" type="xs:string" use="optional"/>									<xs:attribute name="CollateralType" type="xs:string" use="optional"/>									<xs:attribute name="CollateralValueAtOrigination" type="xs:decimal" use="optional"/>									<xs:attribute name="EquityLikeFeatures" type="xs:string" use="optional"/>									<xs:attribute name="EquityInjectionAmount" type="xs:decimal" use="optional"/>									<xs:attribute name="AdvancePurchaseCommitment" type="xs:string" use="optional"/>									<xs:attribute name="SellerOrganization" type="xs:string" use="optional"/>									<xs:attribute name="EquityProduct" type="xs:string" use="required"/>									<xs:attribute name="EquityEquivalentTerms" type="xs:string" use="required"/>									<xs:attribute name="DebtWithEquity" type="xs:string" use="required"/>									<xs:attribute name="SubordinatedDebt" type="xs:string" use="required"/>									<xs:attribute name="BelowMarketInterestRates" type="xs:string" use="required"/>									<xs:attribute name="ComparableInterestRate" type="xs:decimal" use="optional"/>									<xs:attribute name="LowerThanStandardOriginationFees" type="xs:string" use="required"/>									<xs:attribute name="FinancialNoteStandardOriginationFees" type="xs:decimal" use="optional"/>									<xs:attribute name="LongerThanStandardInterestOnly" type="xs:string" use="required"/>									<xs:attribute name="StandardPeriodOfInterestOnlyPayments" type="xs:integer" use="optional"/>									<xs:attribute name="LongerThanStandardAmort" type="xs:string" use="required"/>									<xs:attribute name="StandardAmortizationPeriod" type="xs:integer" use="optional"/>									<xs:attribute name="NonTraditionalCollateral" type="xs:string" use="required"/>									<xs:attribute name="TraditionalFormOfCollateral" type="xs:string" use="optional"/>									<xs:attribute name="LoanStatus" type="xs:string" use="required"/>									<xs:attribute name="NYDProjectedQEI" type="xs:string" use="optional"/>									<xs:attribute name="QliciLevel" type="xs:string" use="required"/>									<xs:attribute name="PrincipleBalanceOutstanding" type="xs:decimal" use="optional"/>									<xs:attribute name="DaysDelinquent" type="xs:integer" use="optional"/>									<xs:attribute name="NumberOfTimes60DaysOrMoreDelinquent" type="xs:integer" use="optional"/>									<xs:attribute name="NumberOfTimesLoanRestructured" type="xs:integer" use="optional"/>									<xs:attribute name="AmountChargedOff" type="xs:decimal" use="optional"/>									<xs:attribute name="AmountRecovered" type="xs:decimal" use="optional"/>									<xs:attribute name="FairValueAtEndOfReportingPeriod" type="xs:decimal" use="optional"/>									<xs:attribute name="FairValueEndOpt" type="xs:string" use="optional"/>									<xs:attribute name="InterestRateComparableOther" type="xs:string" use="optional"/>									<xs:attribute name="InterestRateComparable" type="xs:string" use="optional"/>									<xs:attribute name="NoteStandardOriginationFeesComparable" type="xs:string" use="optional"/>									<xs:attribute name="NoteStandardOriginationFeesComparableOther" type="xs:string" use="optional"/>									<xs:attribute name="StandardPeroidInterestComparable" type="xs:string" use="optional"/>									<xs:attribute name="StandardPeroidInterestComparableOther" type="xs:string" use="optional"/>									<xs:attribute name="StandardAmortizationPeriodComparable" type="xs:string" use="optional"/>									<xs:attribute name="StandardAmortizationPeriodComparableOther" type="xs:string" use="optional"/>									<xs:attribute name="TraditionalFormCollateralComparable" type="xs:string" use="optional"/>									<xs:attribute name="TraditionalFormCollateralComparableOther" type="xs:string" use="optional"/>									<xs:attribute name="ProjectedInternalRateReturn" type="xs:decimal" use="optional"/>									<xs:attribute name="ProjectedGrantQALICB" type="xs:integer" use="optional"/>									<xs:attribute name="UseOfOriginationFees" type="xs:string" use="optional"/>									<xs:attribute name="BelowMarketInterestOrigination" type="xs:string" use="required"/>									<xs:attribute name="NotesBelowMarketInterestUnderAllocation" type="xs:string" use="required"/>									<xs:attribute name="ComparableInterestRateOrigination" type="xs:decimal" use="optional"/>									<xs:attribute name="InterestRateOrigination" type="xs:decimal" use="optional"/>								</xs:complexType>							</xs:element>							<xs:element name="InvesteeAddress">								<xs:complexType>									<xs:attribute name="StreetAddressLine1" use="required">										<xs:simpleType>											<xs:restriction base="xs:string">												<xs:minLength value="1"/>												<xs:maxLength value="100"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="StreetAddressLine2" use="optional">										<xs:simpleType>											<xs:restriction base="xs:string">												<xs:minLength value="1"/>												<xs:maxLength value="100"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="City" use="required">										<xs:simpleType>											<xs:restriction base="xs:string">												<xs:minLength value="1"/>												<xs:maxLength value="100"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="State" use="required">										<xs:simpleType>											<xs:restriction base="xs:string">												<xs:minLength value="1"/>												<xs:maxLength value="2"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="ZipCode5" use="required">										<xs:simpleType>											<xs:restriction base="xs:integer">												<xs:totalDigits value="5"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="ZipCodePlus4" use="optional">										<xs:simpleType>											<xs:restriction base="xs:integer">												<xs:totalDigits value="4"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>								</xs:complexType>							</xs:element>							<xs:element name="ProjectAddress" maxOccurs="unbounded">								<xs:complexType>									<xs:attribute name="StreetAddressLine1" use="required">										<xs:simpleType>											<xs:restriction base="xs:string">												<xs:minLength value="1"/>												<xs:maxLength value="100"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="StreetAddressLine2" use="optional">										<xs:simpleType>											<xs:restriction base="xs:string">												<xs:minLength value="1"/>												<xs:maxLength value="100"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="City" use="required">										<xs:simpleType>											<xs:restriction base="xs:string">												<xs:minLength value="1"/>												<xs:maxLength value="100"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="State" use="required">										<xs:simpleType>											<xs:restriction base="xs:string">												<xs:minLength value="1"/>												<xs:maxLength value="2"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="ZipCode5" use="required">										<xs:simpleType>											<xs:restriction base="xs:integer">												<xs:totalDigits value="5"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>									<xs:attribute name="ZipCodePlus4" use="optional">										<xs:simpleType>											<xs:restriction base="xs:integer">												<xs:totalDigits value="4"/>											</xs:restriction>										</xs:simpleType>									</xs:attribute>								</xs:complexType>							</xs:element>						</xs:sequence>						<xs:attribute name="ProjectNumber" type="xs:integer" use="required"/>						<xs:attribute name="TotalProjectCost" type="xs:decimal" use="required"/>						<xs:attribute name="TotalProjectCostPublicSources" type="xs:decimal" use="optional"/>						<xs:attribute name="TotalProjectCostAffiliatesRelatedPrograms" type="xs:decimal" use="optional"/>						<xs:attribute name="LoanToValueRatio" type="xs:decimal" use="optional"/>						<xs:attribute name="DebtServiceCoverageRatio" type="xs:decimal" use="optional"/>						<xs:attribute name="LoanLossReserveRequirement" type="xs:integer" use="optional"/>						<xs:attribute name="ClientID" type="xs:string" use="optional"/>						<xs:attribute name="QliciType" type="xs:string" use="required"/>						<xs:attribute name="InvesteeType" type="xs:string" use="required"/>						<xs:attribute name="TierInvesteeTIN" type="xs:integer" use="optional"/>						<xs:attribute name="DateBusinessEstablished" type="xs:date" use="optional"/>						<xs:attribute name="EntityStructure" type="xs:string" use="optional"/>						<xs:attribute name="MinorityOwnedOrControlled" type="xs:string" use="optional"/>						<xs:attribute name="WomenOwnedOrControlled" type="xs:string" use="optional"/>						<xs:attribute name="LowIncomeOwnedOrControlled" type="xs:string" use="optional"/>						<xs:attribute name="Gender" type="xs:string" use="optional"/>						<xs:attribute name="Race" type="xs:string" use="optional"/>						<xs:attribute name="HispanicOrigin" type="xs:string" use="optional"/>						<xs:attribute name="CreditScore" type="xs:integer" use="optional"/>						<xs:attribute name="DSFCOSHoursofAssistanceAtTimeOfLoan" type="xs:decimal" use="optional"/>						<xs:attribute name="BusinessDescription" type="xs:string" use="optional"/>						<xs:attribute name="NAICSCode" type="xs:integer" use="optional"/>						<xs:attribute name="GrossRevenueAtTimeOfInvestment" type="xs:decimal" use="optional"/>						<xs:attribute name="AnnualGrossRevenueAtReportingPeriod" type="xs:decimal" use="optional"/>						<xs:attribute name="JobsAtTimeOfLoanInvestment" type="xs:decimal" use="optional"/>						<xs:attribute name="JobsAtTimeOfLoanOrInvestmentOpt" type="xs:string" use="optional"/>						<xs:attribute name="JobsAtReportingPeriodEnd" type="xs:decimal" use="optional"/>						<xs:attribute name="JobsAtReportingPeriodEndOpt" type="xs:string" use="optional"/>						<xs:attribute name="ProjectedJobsToBeCreatedAtBusinessesFinanced" type="xs:decimal" use="optional"/>						<xs:attribute name="ProjectedJobsToBeCreatedAtBusinessesFinancedOpt" type="xs:string" use="optional"/>						<xs:attribute name="ProjectedJobsToBeCreatedConstruction" type="xs:decimal" use="optional"/>						<xs:attribute name="ProjectedJobsToBeCreatedConstructionOpt" type="xs:string" use="optional"/>						<xs:attribute name="ProjectedJobsToBeCreatedAtTenantBusinesses" type="xs:decimal" use="optional"/>						<xs:attribute name="ProjectedJobsToBeCreatedAtTenantBusinessesOpt" type="xs:string" use="optional"/>						<xs:attribute name="AreaRealEstateTotal" type="xs:integer" use="optional"/>						<xs:attribute name="AreaRealEstateTotalOpt" type="xs:string" use="optional"/>						<xs:attribute name="SquareOfRealEstateManufacturing" type="xs:integer" use="optional"/>						<xs:attribute name="SquareOfRealEstateManufacturingOpt" type="xs:string" use="optional"/>						<xs:attribute name="SquareOfRealEstateOffice" type="xs:integer" use="optional"/>						<xs:attribute name="SquareOfRealEstateOfficeOpt" type="xs:string" use="optional"/>						<xs:attribute name="SquareOfRealEstateRetail" type="xs:integer" use="optional"/>						<xs:attribute name="SquareOfRealEstateRetailOpt" type="xs:string" use="optional"/>						<xs:attribute name="AskingRentPerSquareFoot" type="xs:decimal" use="optional"/>						<xs:attribute name="AskingRentPerSquareFootOpt" type="xs:string" use="optional"/>						<xs:attribute name="HousingUnitsSale" type="xs:integer" use="optional"/>						<xs:attribute name="HousingUnitsSaleOpt" type="xs:string" use="optional"/>						<xs:attribute name="HousingUnitsRental" type="xs:integer" use="optional"/>						<xs:attribute name="HousingUnitsRentalOpt" type="xs:string" use="optional"/>						<xs:attribute name="AffordableHousingUnitsSale" type="xs:integer" use="optional"/>						<xs:attribute name="AffordableHousingUnitsSaleOpt" type="xs:string" use="optional"/>						<xs:attribute name="AffordableHousingUnitsRental" type="xs:integer" use="optional"/>						<xs:attribute name="AffordableHousingUnitsRentalOpt" type="xs:string" use="optional"/>						<xs:attribute name="CommunityFacility" type="xs:string" use="optional"/>						<xs:attribute name="CapacityOfEducationalCommunityFacility" type="xs:decimal" use="optional"/>						<xs:attribute name="CapacityOfEducationalCommunityFacilityOpt" type="xs:string" use="optional"/>						<xs:attribute name="CapacityOfChildcareCommunityFacility" type="xs:decimal" use="optional"/>						<xs:attribute name="CapacityOfChildcareCommunityFacilityOpt" type="xs:string" use="optional"/>						<xs:attribute name="CapacityOfHealthcareCommunityFacility" type="xs:decimal" use="optional"/>						<xs:attribute name="CapacityOfHealthcareCommunityFacilityOpt" type="xs:string" use="optional"/>						<xs:attribute name="CapacityOfArtsCenterCommunityFacility" type="xs:decimal" use="optional"/>						<xs:attribute name="CapacityOfArtsCenterCommunityFacilityOpt" type="xs:string" use="optional"/>						<xs:attribute name="CapacityOfOtherCommunityFacility" type="xs:decimal" use="optional"/>						<xs:attribute name="CapacityOfOtherCommunityFacilityOpt" type="xs:string" use="optional"/>						<xs:attribute name="DSFCOSHoursOfAssistanceProvidedDuringReportingPeriod" type="xs:decimal" use="optional"/>						<xs:attribute name="OtherImpact1Explain" type="xs:string" use="optional"/>						<xs:attribute name="OtherImpact1NumberOfUnits" type="xs:decimal" use="optional"/>						<xs:attribute name="OtherImpact2Explain" type="xs:string" use="optional"/>						<xs:attribute name="OtherImpact2numberOfUnits" type="xs:decimal" use="optional"/>						<xs:attribute name="TierInvestorTin" type="xs:integer" use="required"/>						<xs:attribute name="QalicbType" type="xs:string" use="optional"/>						<xs:attribute name="NmtcEligibilityCriteria" type="xs:string" use="required"/>						<xs:attribute name="FipsCode1990" type="xs:int" use="optional"/>						<xs:attribute name="RelatedEntity" type="xs:string" use="required"/>						<xs:attribute name="BelowMarketInterestRates" type="xs:string" use="required"/>						<xs:attribute name="BlendedInterestRate" type="xs:decimal" use="optional"/>						<xs:attribute name="ComparableBlendedInterestRate" type="xs:decimal" use="optional"/>						<xs:attribute name="LowerThanStandardOriginationFees" type="xs:string" use="required"/>						<xs:attribute name="ProjectStandardOriginationFees" type="xs:decimal" use="optional"/>						<xs:attribute name="LtvHigherThanStandard" type="xs:string" use="required"/>						<xs:attribute name="StandardLoanToValueRatio" type="xs:decimal" use="optional"/>						<xs:attribute name="MoreFlexibleCreditStandards" type="xs:string" use="required"/>						<xs:attribute name="DscLessThanStandard" type="xs:string" use="required"/>						<xs:attribute name="StandardDebtServiceCoverageRatio" type="xs:decimal" use="optional"/>						<xs:attribute name="LlrReqsLessThanStandard" type="xs:string" use="required"/>						<xs:attribute name="StandardLoanLossReserveRequirement" type="xs:integer" use="optional"/>						<xs:attribute name="PovertyRatesGtr30" type="xs:string" use="required"/>						<xs:attribute name="MedianIncomeLt60" type="xs:string" use="required"/>						<xs:attribute name="UnemploymentGtrAverage" type="xs:string" use="required"/>						<xs:attribute name="DesignatedRedevelopment" type="xs:string" use="required"/>						<xs:attribute name="DesignatedEmpowermentZone" type="xs:string" use="required"/>						<xs:attribute name="DesignatedHubZone" type="xs:string" use="required"/>						<xs:attribute name="DesignatedNativeAmerican" type="xs:string" use="required"/>						<xs:attribute name="BrownFieldsRedevelopment" type="xs:string" use="required"/>						<xs:attribute name="EncompassedHopeRedevelopmentPlan" type="xs:string" use="required"/>						<xs:attribute name="HotZone" type="xs:string" use="required"/>						<xs:attribute name="AppalachianRegionalorDeltaRegional" type="xs:string" use="required"/>						<xs:attribute name="Colonias" type="xs:string" use="required"/>						<xs:attribute name="MedicallyUnderservedArea" type="xs:string" use="required"/>						<xs:attribute name="TIFDistrictOrEnterpriseZone" type="xs:string" use="required"/>						<xs:attribute name="TragetingAreasOfHigherDistressOther" type="xs:string" use="required"/>						<xs:attribute name="BlendedInterestRateComparable" type="xs:string" use="optional"/>						<xs:attribute name="BlendedInterestRateComparableOther" type="xs:string" use="optional"/>						<xs:attribute name="ProjectStandardOriginationFeesComparable" type="xs:string" use="optional"/>						<xs:attribute name="ProjectStandardOriginationFeesComparableOther" type="xs:string" use="optional"/>						<xs:attribute name="StandardLoanToValueRatioComparable" type="xs:string" use="optional"/>						<xs:attribute name="StandardLoanToValueRatioComparableOther" type="xs:string" use="optional"/>						<xs:attribute name="StandardDebtServiceCoverageRatioComparable" type="xs:string" use="optional"/>						<xs:attribute name="StandardDebtServiceCoverageRatioComparableOther" type="xs:string" use="optional"/>						<xs:attribute name="StandardLoanLossReserveRequirementComparable" type="xs:string" use="optional"/>						<xs:attribute name="StandardLoanLossReserveRequirementComparableOther" type="xs:string" use="optional"/>						<xs:attribute name="ProjectBelowMarketInterestUnderAllocation" type="xs:string" use="required"/>						<xs:attribute name="PovertyRatesGtr25" type="xs:string" use="required"/>						<xs:attribute name="MedianIncomeLess70" type="xs:string" use="required"/>						<xs:attribute name="UnemploymentGtrEq125Percent" type="xs:string" use="required"/>						<xs:attribute name="HighMigrationRuralCounty" type="xs:string" use="required"/>						<xs:attribute name="NonMetropolitanCensusTract" type="xs:string" use="required"/>					</xs:complexType>				</xs:element>			</xs:sequence>			<xs:attribute name="SubmitterTransmissionId" type="xs:string" use="optional"/>		</xs:complexType>	</xs:element></xs:schema>