<?xml version="1.0" encoding="utf-8"?>
<!--Initial CAFR taxonomy-->
<xs:schema
  attributeFormDefault="unqualified"
  elementFormDefault="qualified"
  targetNamespace="http://xbrl.us/cafr/v0.3/2020-05-01/cafr-all"
  xmlns:cafr="http://xbrl.us/cafr/v0.3/2020-05-01/cafr"
  xmlns:cafr-all="http://xbrl.us/cafr/v0.3/2020-05-01/cafr-all"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric"
  xmlns:sap="http://xbrl.us/sap/v0.3/2020-05-01/sap"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
  xmlns:xbrli="http://www.xbrl.org/2003/instance"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xs="http://www.w3.org/2001/XMLSchema">
    <xs:annotation>
        <xs:documentation>This schema contains core elements for the CAFR taxonomy and is a comprehensive list of all roles.</xs:documentation>
        <xs:appinfo/>
    </xs:annotation>
    <xs:import
      namespace="http://www.xbrl.org/2003/instance"
      schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
    <xs:import
      namespace="http://xbrl.org/2005/xbrldt"
      schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
    <xs:import
      namespace="http://xbrl.us/cafr/v0.3/2020-05-01/cafr"
      schemaLocation="cafr_2020-05-01.xsd"/>
    <xs:import
      namespace="http://xbrl.us/sap/v0.3/2020-05-01/sap"
      schemaLocation="sap_2020-05-01.xsd"/>
</xs:schema>