﻿<?xml version="1.0" encoding="utf-8"?>
<!--(C) EIOPA - XBRL Solvency 2 Taxonomy-->
<?officialURI http://eiopa.europa.eu/eu/xbrl/s2md/fws/solvency/solvency2/2015-10-21/mod/qfg.xsd?>
<?taxonomy-version 2.0.1?>
<?taxonomy-date 2015-10-21?>
<xs:schema xmlns:s2md_mod_qfg="http://eiopa.europa.eu/xbrl/s2md/fws/solvency/solvency2/2015-10-21/mod/qfg" targetNamespace="http://eiopa.europa.eu/xbrl/s2md/fws/solvency/solvency2/2015-10-21/mod/qfg" elementFormDefault="qualified" attributeFormDefault="unqualified" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:model="http://www.eurofiling.info/xbrl/ext/model" xmlns:find="http://eiopa.europa.eu/xbrl/ext/filing-indicators" xsi:schemaLocation="http://www.xbrl.org/2003/instance http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd http://www.eurofiling.info/xbrl/ext/model http://www.eurofiling.info/eu/fr/xbrl/ext/model.xsd http://eiopa.europa.eu/xbrl/ext/filing-indicators ../../../../../../ext/filing-indicators.xsd">
  <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://www.eurofiling.info/xbrl/ext/model" schemaLocation="http://www.eurofiling.info/eu/fr/xbrl/ext/model.xsd" />
  <xs:import namespace="http://eiopa.europa.eu/xbrl/ext/filing-indicators" schemaLocation="../../../../../../ext/filing-indicators.xsd" />
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:href="qfg-find-prec.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="qfg-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" />
      <link:linkbaseRef xlink:href="qfg-pre.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="http://www.eurofiling.info/eu/fr/xbrl/val/filt.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="http://www.eurofiling.info/eu/fr/xbrl/val/params.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/find-params.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/aset-s.01.02.04.01.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/aset-s.02.01.02.01.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/aset-s.02.01.02.01_s.23.01.13.01.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/aset-s.05.01.13.01.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/aset-s.05.01.13.02.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/aset-s.06.02.04.01_s.06.02.04.02.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/aset-s.06.02.04.02.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/aset-s.23.01.13.01.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-10-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-10-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-1-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-1-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-11-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-11-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-12-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-12-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-13-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-13-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-14-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-14-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-15-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-15-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-16-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-16-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-17-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-17-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-18-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-18-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-19-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-19-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-2-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-2-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-3-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-3-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-4-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-4-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-5-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-5-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-6-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-6-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-7-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-7-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-8-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-8-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-9-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv206-9-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv237-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv237-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv313_1-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv313_1-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv314_1-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv314_1-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv315_1-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv315_1-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv316_1-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv316_1-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv317_1-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv317_1-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv318_1-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv318_1-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv319_1-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv319_1-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv320_1-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv320_1-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv321_1-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv321_1-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv322_1-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv322_1-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv323_1-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv323_1-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv324_1-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv324_1-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv325_1-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv325_1-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv326_1-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv326_1-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv327_1-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv327_1-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv328_1-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv328_1-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv329_1-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv329_1-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv330_1-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv330_1-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv4-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv4-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv5-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv5-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv6-3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv6-3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv655-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv655-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv656-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv656-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv657-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv657-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv658-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv658-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv659-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv659-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv660-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv660-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv661-1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-bv661-1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="qfg-find-check.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="qfg-find-check-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="qfg-find-check-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv2.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv2-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv2-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv12.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv12-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv12-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv13.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv13-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv13-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv16.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv16-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv16-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv9.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv9-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv9-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv22.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv22-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv22-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-92.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-92-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-92-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-178.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-178-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-178-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-179.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-179-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-179-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-180.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-180-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-180-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-181.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-181-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-181-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-182.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-182-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-182-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-176.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-176-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-176-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-177.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-177-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-tv0-177-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
    </xs:appinfo>
  </xs:annotation>
  <xs:import namespace="http://www.eurofiling.info/xbrl/func" schemaLocation="http://www.eurofiling.info/eu/fr/xbrl/func/func.xsd" />
  <xs:import namespace="http://eiopa.europa.eu/xbrl/s2md/fws/solvency/solvency2/2015-10-21/tab/S.01.01.13.01" schemaLocation="../tab/s.01.01.13.01/s.01.01.13.01.xsd" />
  <xs:import namespace="http://eiopa.europa.eu/xbrl/s2md/fws/solvency/solvency2/2015-10-21/tab/S.01.02.04.01" schemaLocation="../tab/s.01.02.04.01/s.01.02.04.01.xsd" />
  <xs:import namespace="http://eiopa.europa.eu/xbrl/s2md/fws/solvency/solvency2/2015-10-21/tab/S.02.01.02.01" schemaLocation="../tab/s.02.01.02.01/s.02.01.02.01.xsd" />
  <xs:import namespace="http://eiopa.europa.eu/xbrl/s2md/fws/solvency/solvency2/2015-10-21/tab/S.05.01.13.01" schemaLocation="../tab/s.05.01.13.01/s.05.01.13.01.xsd" />
  <xs:import namespace="http://eiopa.europa.eu/xbrl/s2md/fws/solvency/solvency2/2015-10-21/tab/S.05.01.13.02" schemaLocation="../tab/s.05.01.13.02/s.05.01.13.02.xsd" />
  <xs:import namespace="http://eiopa.europa.eu/xbrl/s2md/fws/solvency/solvency2/2015-10-21/tab/S.06.02.04.01" schemaLocation="../tab/s.06.02.04.01/s.06.02.04.01.xsd" />
  <xs:import namespace="http://eiopa.europa.eu/xbrl/s2md/fws/solvency/solvency2/2015-10-21/tab/S.06.02.04.02" schemaLocation="../tab/s.06.02.04.02/s.06.02.04.02.xsd" />
  <xs:import namespace="http://eiopa.europa.eu/xbrl/s2md/fws/solvency/solvency2/2015-10-21/tab/S.23.01.13.01" schemaLocation="../tab/s.23.01.13.01/s.23.01.13.01.xsd" />
  <xs:import namespace="http://eiopa.europa.eu/xbrl/s2md/fws/solvency/solvency2/2015-10-21/tab/S.25.04.13.01" schemaLocation="../tab/s.25.04.13.01/s.25.04.13.01.xsd" />
  <xs:import namespace="http://eiopa.europa.eu/xbrl/s2md/fws/solvency/solvency2/2015-10-21/tab/S.39.01.11.01" schemaLocation="../tab/s.39.01.11.01/s.39.01.11.01.xsd" />
  <xs:import namespace="http://eiopa.europa.eu/xbrl/s2md/fws/solvency/solvency2/2015-10-21/tab/S.41.01.11.01" schemaLocation="../tab/s.41.01.11.01/s.41.01.11.01.xsd" />
  <xs:element name="qfg" type="model:moduleType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="instant" model:creationDate="2015-10-21" id="s2md_qfg" />
</xs:schema>