<?xml version='1.0' encoding='utf-8'?>
<!-- Created by Charles Hoffman, CPA 2025-11-19 -->
<!-- Theory Schema -->
<?xbrlsite name='CreatedBy' value='Charles Hoffman, CPA'?>
<?xbrlsite name='CreationDateTime' value='12/15/2025 10:07:17 AM'?>
<?xbrlsite name='ReportingSchemeTitle' value='Office of Comptroller of Currency (OCC) Reporting Scheme'?>
<schema
  xmlns='http://www.w3.org/2001/XMLSchema'
  xmlns:xbrli='http://www.xbrl.org/2003/instance'
  xmlns:link='http://www.xbrl.org/2003/linkbase'
  xmlns:xlink='http://www.w3.org/1999/xlink'

  xmlns:disclosures='http://www.xbrlsite.com/disclosures'
  xmlns:dm='http://xbrlsite.com/dm'
  xmlns:fac='http://xbrlsite.com/fac'

  xmlns:occ-entry='https://xbrlsite.com/occ-entry'
  xmlns:occ-theory='http://www.xbrlsite.com/seattlemethod/occ-theory'
  targetNamespace='http://www.xbrlsite.com/seattlemethod/occ-theory'
  elementFormDefault='qualified'
  attributeFormDefault='unqualified'>
  <annotation>
    <appinfo>
      <link:linkbaseRef xlink:type='simple' xlink:role='http://www.xbrl.org/2003/role/definitionLinkbaseRef' xlink:arcrole='http://www.w3.org/1999/xlink/properties/linkbase' xlink:href='../types/types-rules-def.xml' xlink:title='Types' />
      <link:linkbaseRef xlink:type='simple' xlink:role='http://www.xbrl.org/2003/role/definitionLinkbaseRef' xlink:arcrole='http://www.w3.org/1999/xlink/properties/linkbase' xlink:href='../reportability/dr-rules-def.xml' xlink:title='Reporting Checklist' />



    </appinfo>
  </annotation>
<import namespace='http://www.xbrl.org/2003/instance' schemaLocation='http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd' />

<import namespace='https://xbrlsite.com/occ-entry' schemaLocation='occ-entryPoint.xsd' />

<import namespace='http://xbrlsite.com/fac' schemaLocation='../fac/fac.xsd' />
<import namespace='http://www.xbrlsite.com/disclosures' schemaLocation='../disclosures/disclosures.xsd' />
<import namespace='http://xbrlsite.com/dm' schemaLocation='../disclosure-mechanics/dm.xsd' />


</schema>
