<?xml version="1.0"?>
<!-- Disclaimer: http://www.sbr.gov.au/content/taxonomy_introduction_3_0.htm#Disclaimer -->
<xsd:schema xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:bafot.02.07="http://sbr.gov.au/icls/baf/bafot/bafot.02.07.data" xmlns:tech.01.02="http://sbr.gov.au/fdtn/sbr.01.02.tech" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:dtyp.02.10="http://sbr.gov.au/fdtn/sbr.02.10.dtyp" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" targetNamespace="http://sbr.gov.au/icls/baf/bafot/bafot.02.07.data" elementFormDefault="qualified">
    <xsd:import namespace="http://sbr.gov.au/fdtn/sbr.02.10.dtyp" schemaLocation="../../../fdtn/dtyp.sbr.02.10.xsd"/>
    <xsd:import namespace="http://sbr.gov.au/fdtn/sbr.01.02.tech" schemaLocation="../../../fdtn/tech.sbr.01.02.xsd"/>
    <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
    <xsd:element name="bafotAbstract" id="bafot.02.07_bafotAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.AcceptedGross.Amount" id="DE9055" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.AcceptedOutwardsInsurance.Amount" id="DE9070" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CostOfSubsequentToFirstPerEventReinstatement.Amount" id="DE9048" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.InsuranceMaximumCallOnMember.Amount" id="DE8990" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.MaximumEventRetentionPercentageOfCapital.Percent" id="DE8999" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Retention.Amount" id="DE9062" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.ValueEventExposureNet.Amount" id="DE9084" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.ValueOfEventExposure.Amount" id="DE9001" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialServices.Insurance.PeriodOfCurrentCover.Count" id="DE9037" type="xbrli:nonNegativeIntegerItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="RegulatoryDisclosures.AuditedFinancialStatementsDistributedAllMembers.Indicator" id="DE9018" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.AuditedFinancialStatementsLodgedWithASIC.Indicator" id="DE9069" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.Beneficiary.Count" id="DE9025" type="xbrli:positiveIntegerItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.ComplaintsToExternalDisputeResolutionBody.Count" id="DE9052" type="xbrli:nonNegativeIntegerItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.Compliance.Indicator" id="DE9074" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.ComplianceAccountingStandardsAASB1023GeneralInsuranceContracts.Indicator" id="DE8994" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.ComplianceAccrualGoingConcernPrinciple.Indicator" id="DE9005" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.ComplianceCashBasisOfAccounting.Indicator" id="DE9026" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.ComplianceHistoricalCostBasis.Indicator" id="DE9034" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.ContingentLiabilitiesDetails.Text" id="DE9028" type="xbrli:stringItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.ContributingMembers.Count" id="DE9043" type="xbrli:positiveIntegerItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.FinancialStatementsBasedOnAuditedNumbers.Indicator" id="DE9081" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceAutomaticallyReinstated.Indicator" id="DE9056" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceBasisMaximumCallAmountOther.Description" id="DE9019" type="xbrli:stringItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceCallsMadeOnMembersContractualObligationToPay.Indicator" id="DE9051" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceClaims.Number" id="DE8989" type="xbrli:nonNegativeIntegerItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceConfidenceLevel.Code" id="DE9071" type="dtyp.02.10:sbrConfidenceLevelCodeItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceConfidenceLevelReason.Description" id="DE9083" type="xbrli:stringItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceContractPayOutClaimIrrespectiveOfProtectionWording.Indicator" id="DE9007" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceCoverProductsNotAvailableToMembers.Text" id="DE9011" type="xbrli:stringItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceDiscontinuedMemberRefund.Indicator" id="DE8997" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceDisputeResolutionBodyList.Text" id="DE9079" type="xbrli:stringItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceExcessRecipient.Code" id="DE9031" type="dtyp.02.10:sbrExcessRecipientCodeItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceFeatureReducesDeductible.Indicator" id="DE8982" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceMaximumCallAmountBasis.Code" id="DE9032" type="dtyp.02.10:sbrBasisMaximumCallAmountCodeItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceProductDisclosureStatementIssued.Indicator" id="DE9004" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceProductSoldUnderAustralianFinancialServicesLicense.Indicator" id="DE9023" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceRecipientExcessMoniesOther.Description" id="DE9075" type="xbrli:stringItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceStructure.Description" id="DE9002" type="xbrli:stringItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceSurplusRecipientAndUse.Description" id="DE9033" type="xbrli:stringItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceTypesNotAutomaticallyReinstated.Text" id="DE8977" type="xbrli:stringItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceTypesOfCover.Text" id="DE9060" type="xbrli:stringItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.MaximumEventRetentionBasis.Code" id="DE8986" type="dtyp.02.10:sbrMERBasisCodeItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.MaximumEventRetentionbasisOther.Text" id="DE9003" type="xbrli:stringItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.MaximumEventRetentionMethodOther.Text" id="DE9077" type="xbrli:stringItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.MaximumEventRetentionMethodUsed.Code" id="DE9086" type="dtyp.02.10:sbrMERmethodCodeItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.MemberOfExternalDisputeResolutionBody.Indicator" id="DE9041" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="RegulatoryDisclosures.PlaceInsuranceViaBroker.Indicator" id="DE9085" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.ReportingEntityUnderCorporationAct.Indicator" id="DE8981" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
</xsd:schema>
