<?xml version="1.0" encoding="UTF-8"?>
<!-- Disclaimer: http://www.sbr.gov.au/content/taxonomy_introduction_3_0.htm#Disclaimer -->
<xsd:schema targetNamespace="http://sbr.gov.au/comnmdle/comnmdle.directcredit1.02.01.module" elementFormDefault="qualified" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:directcredit1.02.01="http://sbr.gov.au/comnmdle/comnmdle.directcredit1.02.01.module" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:pyid.02.00="http://sbr.gov.au/icls/py/pyid/pyid.02.00.data" xmlns:ref="http://www.xbrl.org/2006/ref" xmlns:tech.01.02="http://sbr.gov.au/fdtn/sbr.01.02.tech" xmlns:dtyp.02.00="http://sbr.gov.au/fdtn/sbr.02.00.dtyp" xmlns:fininstacc1.02.00="http://sbr.gov.au/comnmdle/comnmdle.financialinstitutionaccount1.02.00.module" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink">
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="comnmdle.directcredit1.02.01.defLink.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:roleType roleURI="http://sbr.gov.au/comnmdle/comnmdle.directcredit1.02.01/defRole" id="comnmdle.directcredit1defLink">
        <link:definition>comnmdle_directcredit1</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xsd:import namespace="http://sbr.gov.au/fdtn/sbr.01.02.tech" schemaLocation="../fdtn/tech.sbr.01.02.xsd"/>
  <xsd:import namespace="http://sbr.gov.au/comnmdle/comnmdle.financialinstitutionaccount1.02.00.module" schemaLocation="comnmdle.financialinstitutionaccount1.02.00.module.xsd"/>
  <xsd:element name="DirectCredit" id="RT729" substitutionGroup="xbrli:tuple" nillable="true">
    <xsd:complexType>
      <xsd:sequence>
        <xsd:element ref="fininstacc1.02.00:FinancialInstitutionAccount"/>
      </xsd:sequence>
      <xsd:attribute name="id" use="optional" type="xsd:ID"/>
    </xsd:complexType>
  </xsd:element>
</xsd:schema>
