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<!-- Disclaimer: http://www.sbr.gov.au/content/taxonomy_introduction_3_0.htm#Disclaimer -->
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    <xsd:element name="OffBalanceSheet.BillEndorsementsPrincipal.Amount" id="DE4942" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.ChargeOutstanding.Amount" id="DE5145" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.ChargePrincipal.Amount" id="DE5487" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.ChargePurpose.Code" id="DE4970" type="dtyp.02.08:sbrLifeInsuranceChargePurposeItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.ChargeType.Text" id="DE5284" type="xbrli:stringItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.CommitmentsThatCanBeUnconditionallyRevokedAtAnyTimeWithoutNotice.Amount" id="DE4891" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.CreditDerivativesSoldProtectionPrincipal.Amount" id="DE5624" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.DirectCreditSubstitutesOtherPrincipal.Amount" id="DE5387" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.DirectCreditSubstitutesPrincipal.Amount" id="DE5404" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.ExtentOfIndebtednessSecuredByAssets.Amount" id="DE4627" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.ForwardAssetPurchases.Amount" id="DE5465" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.GuaranteesPrincipal.Amount" id="DE5112" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.IrrevocableCommitmentsOther.Amount" id="DE4929" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.LiquiditySupportFacilitiesApprovedBalance.Amount" id="DE5589" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.LiquiditySupportFacilitiesOtherApprovedBalance.Amount" id="DE5010" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.LiquiditySupportFacilitiesOtherUndrawnBalance.Amount" id="DE5505" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.LiquiditySupportFacilitiesUndrawnBalance.Amount" id="DE5001" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.LoansApprovedButNotYetAdvanced.Amount" id="DE5015" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.NonMarketRelatedOther.Amount" id="DE5619" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.NonMarketRelatedTotal.Amount" id="DE5160" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.NoteIssuanceAndRevolvingUnderwritingFacilities.Amount" id="DE5095" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.PartlyPaidSharesAndSecurities.Amount" id="DE5036" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.PerformanceRelatedContingencies.Amount" id="DE5027" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.PlacementsOfForwardDeposits.Amount" id="DE5534" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.SaleAndRepurchaseAgreements.Amount" id="DE5671" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.StandbyFacilities2To5DayDrawDownApprovedBalance.Amount" id="DE5237" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.StandbyFacilities2To5DayDrawDownUndrawnBalance.Amount" id="DE4901" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.StandbyFacilitiesGreaterThan5DayDrawDownApprovedBalance.Amount" id="DE5149" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.StandbyFacilitiesGreaterThan5DayDrawDownUndrawnBalance.Amount" id="DE5311" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.StandbyFacilitiesSameDayDrawDownApprovedBalance.Amount" id="DE5574" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.StandbyFacilitiesSameDayDrawDownUndrawnBalance.Amount" id="DE4943" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.StandbyLettersOfCreditPrincipal.Amount" id="DE4905" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.TradeRelatedContingencies.Amount" id="DE5054" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="OffBalanceSheet.UndrawnFormalStandbyFacilitiesAndCreditLines.Amount" id="DE5051" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
</xsd:schema>
