<?xml version="1.0" encoding="UTF-8"?>
<?taxonomy-version 1.3.0?>
<!-- Copyright (C) 2007 CEBS Secretariat Ltd., Tower 42, 25 Old Broad Street, London, EC2N 1HQ, United Kingdom. -->
<schema elementFormDefault="qualified" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns="http://www.w3.org/2001/XMLSchema" targetNamespace="http://www.c-ebs.org/eu/fr/esrs/finrep/t-FINREP/GoodwillAndOtherIntangibleAssets/2008-01-01" attributeFormDefault="unqualified" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:t-FR-IntangA="http://www.c-ebs.org/eu/fr/esrs/finrep/t-FINREP/GoodwillAndOtherIntangibleAssets/2008-01-01" xmlns:xbrldt="http://xbrl.org/2005/xbrldt">
  <annotation>
    <appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="t-FINREP-2008-01-01-T11-GoodwillAndOtherIntangibleAssets-definition.xml" xlink:title="Definition Links, all" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
    </appinfo>
  </annotation>
  <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <import namespace="http://www.c-ebs.org/eu/fr/esrs/finrep/p-FINREP/GoodwillAndOtherIntangibleAssets/2008-01-01" schemaLocation="p-FINREP-2008-01-01-T11-GoodwillAndOtherIntangibleAssets.xsd"/>
  <import namespace="http://www.c-ebs.org/eu/fr/esrs/finrep/d-ValModel/2008-01-01" schemaLocation="d-ValModel-2008-01-01.xsd"/>
  <import namespace="http://www.c-ebs.org/eu/fr/esrs/finrep/d-hh/2008-01-01" schemaLocation="d-hh-2008-01-01.xsd"/>
</schema>
