<?xml version="1.0" encoding="ISO-8859-1"?>
<!-- edited with XMLSPY v2004 rel. 2 U (http://www.xmlspy.com) by Dean Farwell (Allstream IT Services) -->
<!-- edited with XML Spy v4.4 U (http://www.xmlspy.com) by Dean Farwell (Montage) -->
<xs:schema targetNamespace="http://www.osb.gc.ca/eFiling" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:osb="http://www.osb.gc.ca/eFiling" elementFormDefault="qualified" attributeFormDefault="unqualified">
	<xs:include schemaLocation="Globals.xsd"/>
	<xs:element name="Form65">
		<xs:annotation>
			<xs:documentation>Monthly Income and Expense Statement of the Bankrupt and the Family Unit and Information (or Amended Information) Concerning the Financial Situation of the Individual Bankrupt
(Section 68 and Subsection 102(3) of the Act and Rule 105(4))</xs:documentation>
		</xs:annotation>
		<xs:complexType>
			<xs:sequence>
				<xs:element name="MonthlyIncome">
					<xs:complexType>
						<xs:sequence>
							<xs:element name="NetEmploymentIncome" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Net Employment Income</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="NetPensionAnnuities" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Net Pension/Annuities</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="NetChildSupport" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Net Child support income</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="NetSpousalSupport" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Net Spousal support income</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="NetInsuranceBenefits" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Net Employment Insurance Benefits</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="NetSocialAssistance" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Net Social Assistance Income</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="GrossSelfEmployment" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Self employment gross income -  not to be included in Totals</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="NetSelfEmployment" type="osb:NegativeMoney">
								<xs:annotation>
									<xs:documentation>Self Employment net income</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="NetOther" type="osb:NegativeMoney">
								<xs:annotation>
									<xs:documentation>Other net income</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="NetOtherDetails" type="xs:string" minOccurs="0">
								<xs:annotation>
									<xs:documentation>Details of other net income</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="TotalBankrupt" type="osb:Money">
								<xs:annotation>
									<xs:documentation>(1) Total Monthly Income of bankrupt</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="TotalOtherMembers" type="osb:Money">
								<xs:annotation>
									<xs:documentation>(2) Total monthly income of other members of the family unit.</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="UndivulgedDetails" type="xs:string" minOccurs="0">
								<xs:annotation>
									<xs:documentation>Details if family members refuse to divulge information on Monthly Income</xs:documentation>
								</xs:annotation>
							</xs:element>
						</xs:sequence>
					</xs:complexType>
				</xs:element>
				<xs:element name="TotalMonthlyIncome" type="osb:Money">
					<xs:annotation>
						<xs:documentation>(3) Total monthly income of the entire family unit (1) + (2)</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="NonDiscretionary">
					<xs:annotation>
						<xs:documentation>Monthly non-discretionary expenses</xs:documentation>
					</xs:annotation>
					<xs:complexType>
						<xs:sequence>
							<xs:element name="ChildSupport" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Child support payments</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="SpousalSupport" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Spousal support payments</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="ChildCare" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Child Care expenses</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="MedicalExpenses" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Medical condition expenses</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="FinesPenalties" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Fines/Penalties imposed by the court</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="EmploymentExpenses" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Expenses as a condition of employment</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="Debts" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Debts where stay has been lifted</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="OtherExpenses" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Other Expenses</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="OtherExpensesDetails" type="xs:string" minOccurs="0">
								<xs:annotation>
									<xs:documentation>OtherExpensesDetails</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="TotalNDBankrupt" type="osb:Money">
								<xs:annotation>
									<xs:documentation>(4) Total monthly non-discretionary
expenses of bankrupt</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="TotalNDOtherMembers" type="osb:Money">
								<xs:annotation>
									<xs:documentation>(5) Total monthly non-discretionary
expenses of other members of the family unit</xs:documentation>
								</xs:annotation>
							</xs:element>
						</xs:sequence>
					</xs:complexType>
				</xs:element>
				<xs:element name="TotalNonDiscretionary" type="osb:Money">
					<xs:annotation>
						<xs:documentation>(6) Total monthly non-discretionary
expenses ((4) + (5))</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="AvailableBankruptIncome" type="osb:Money">
					<xs:annotation>
						<xs:documentation>(7) Available monthly income
of the bankrupt ((1) - (4))</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="AvailableFamilyIncome" type="osb:Money">
					<xs:annotation>
						<xs:documentation>(8) Available monthly income
of the family unit ((3) - (6))</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="BankruptsPortion" type="osb:Percentage">
					<xs:annotation>
						<xs:documentation>(9) Bankrupt's portion of the available monthly family unit income ((7) / (8) x 100))</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="Discretionary">
					<xs:annotation>
						<xs:documentation>Monthly discretionary expenses: (Family unit)</xs:documentation>
					</xs:annotation>
					<xs:complexType>
						<xs:sequence>
							<xs:element name="RentMortgage" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Rent or Mortgage</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="PropertyCondo" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Property Taxes or Condo fees</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="HeatingGasOil" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Heating, Gas or Oil costs</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="Telephone" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Telephone</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="Cable" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Cable</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="Hydro" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Hydro</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="Water" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Water</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="Furniture" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Furniture</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="OtherHousingExpenses" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Other Housing Expenses</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="OtherHousingExpensesDetails" type="xs:string" minOccurs="0" maxOccurs="unbounded">
								<xs:annotation>
									<xs:documentation>Detailed information related to Other Housing Expenses</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="Smoking" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Smoking</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="Alcohol" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Alcohol</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="DiningLunchesRestaurants" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Dining, Lunches and Restaurants</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="EntertainmentSports" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Entertainment or Sports</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="GiftsDonations" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Gifts, charitable donations</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="Allowances" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Allowances</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="OtherPersonalExpenses" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Other Personal Expenses</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="OtherPersonalExpensesDetails" type="xs:string" minOccurs="0" maxOccurs="unbounded">
								<xs:annotation>
									<xs:documentation>Detailed information related to Other Personal Expenses</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="Prescriptions" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Prescriptions</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="Dental" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Dental</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="OtherMedicalExpenses" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Other non-recoverable medical expenses</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="OtherMedicalExpensesDetails" type="xs:string" minOccurs="0" maxOccurs="unbounded">
								<xs:annotation>
									<xs:documentation>Detailed information related to Other non-recoverable medical expenses</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="FoodGrocery" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Food and Groceries</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="LaundryDryCleaning" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Laundry or Dry Cleaning</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="GroomingToiletries" type="osb:Money">
								<xs:annotation>
									<xs:documentation>GroomingToiletries</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="Clothing" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Clothing</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="OtherLivingExpenses" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Other Living Expenses</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="OtherLivingExpensesDetails" type="xs:string" minOccurs="0" maxOccurs="unbounded">
								<xs:annotation>
									<xs:documentation>Detailed information related to Other Living Expenses</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="CarLeasePayments" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Lease or Car Payments</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="RepairMaintenanceGas" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Vehicle Repairs, Maintenance and Gas</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="PublicTransportation" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Public Transportation</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="OtherTransportation" type="osb:Money">
								<xs:annotation>
									<xs:documentation>OtherTransportation costs</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="OtherTransportationDetails" type="xs:string" minOccurs="0" maxOccurs="unbounded">
								<xs:annotation>
									<xs:documentation>Detailed information related to Other Transportation costs</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="VehicleInsurance" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Vehicle Insurance</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="HouseInsurance" type="osb:Money">
								<xs:annotation>
									<xs:documentation>House Insurance</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="FurnitureContentsInsurance" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Furniture and Contents Insurance</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="LifeInsurance" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Life Insurance</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="OtherInsurance" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Other Insurance</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="OtherInsuranceDetails" type="xs:string" minOccurs="0" maxOccurs="unbounded">
								<xs:annotation>
									<xs:documentation>Detailed information related to Other Insurance </xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="EstatePayments" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Payments to the estate</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="SecuredCreditorPayments" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Payments to secured creditors</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="SecuredCreditorPaymentsDetails" type="xs:string" minOccurs="0" maxOccurs="unbounded">
								<xs:annotation>
									<xs:documentation>Detailed information related to Secured Creditor Payments</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="OtherPayments" type="osb:Money">
								<xs:annotation>
									<xs:documentation>Other Payments excluding mortgage and vehicle</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="OtherPaymentsDetails" type="xs:string" minOccurs="0" maxOccurs="unbounded">
								<xs:annotation>
									<xs:documentation>Detailed information related to Other Payments</xs:documentation>
								</xs:annotation>
							</xs:element>
						</xs:sequence>
					</xs:complexType>
				</xs:element>
				<xs:element name="TotalDiscretionary" type="osb:Money">
					<xs:annotation>
						<xs:documentation>(10) Total monthly discretionary expenses (family unit)</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="MonthlySurplus">
					<xs:annotation>
						<xs:documentation>(11) Monthly surplus or (deficit) family unit  (8) - (10)</xs:documentation>
					</xs:annotation>
					<xs:simpleType>
						<xs:restriction base="xs:decimal">
							<xs:fractionDigits value="2"/>
						</xs:restriction>
					</xs:simpleType>
				</xs:element>
				<xs:element name="PaymentsToEstate" minOccurs="0">
					<xs:annotation>
						<xs:documentation>Payments to the estate as per the agreement.  Mandatory for Summary Administrations</xs:documentation>
					</xs:annotation>
					<xs:complexType>
						<xs:sequence>
							<xs:element name="HouseHoldMembers" type="xs:positiveInteger">
								<xs:annotation>
									<xs:documentation>Number of persons in household family unit, including bankrupt</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="AgreedToPay" type="osb:Money">
								<xs:annotation>
									<xs:documentation>(12) Total amount bankrupt has agreed to pay monthly</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="RepurchaseAssetsAmount" type="osb:Money">
								<xs:annotation>
									<xs:documentation>(13) Amount bankrupt has agreed to pay monthly to repurchase assets</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="RepurchaseAssetsDetails" type="xs:string" minOccurs="0">
								<xs:annotation>
									<xs:documentation>Details of the plan to Repurchase Assets.  Mandatory if it is an individual debtor and the  RepurchaseAssetsAmount is > 0.00 </xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="ResidualAmount" type="osb:Money">
								<xs:annotation>
									<xs:documentation>(14) Residual amount paid into the estate ( (12) - (13))</xs:documentation>
								</xs:annotation>
							</xs:element>
						</xs:sequence>
					</xs:complexType>
				</xs:element>
				<xs:element name="PaymentsRequired" minOccurs="0">
					<xs:annotation>
						<xs:documentation>Payments required by the Directive on Surplus Income. Mandatory for Summary Administrations</xs:documentation>
					</xs:annotation>
					<xs:complexType>
						<xs:sequence>
							<xs:element name="MonthlyAmount" type="osb:Money">
								<xs:annotation>
									<xs:documentation>(15) Monthly amount required by the Directive on Surplus Income based on percentage established on line (9)</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="AmountDifference">
								<xs:annotation>
									<xs:documentation>(16) Difference between amounts at lines (14) and (15)</xs:documentation>
								</xs:annotation>
								<xs:simpleType>
									<xs:restriction base="xs:decimal">
										<xs:fractionDigits value="2"/>
									</xs:restriction>
								</xs:simpleType>
							</xs:element>
							<xs:element name="ApplicableComments" type="xs:string" minOccurs="0">
								<xs:annotation>
									<xs:documentation>If amount at line (14) is less than amount at line (15),
explain why the required payments are not being made</xs:documentation>
								</xs:annotation>
							</xs:element>
							<xs:element name="AmendmentChange" type="xs:string" minOccurs="0">
								<xs:annotation>
									<xs:documentation>If the information relates to a material change or an amendment, provide details</xs:documentation>
								</xs:annotation>
							</xs:element>
						</xs:sequence>
					</xs:complexType>
				</xs:element>
				<xs:element name="SignedAt" type="osb:Signing">
					<xs:annotation>
						<xs:documentation>SignedAt</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="Trustee">
					<xs:annotation>
						<xs:documentation>Trustee</xs:documentation>
					</xs:annotation>
					<xs:simpleType>
						<xs:restriction base="xs:string">
							<xs:minLength value="1"/>
						</xs:restriction>
					</xs:simpleType>
				</xs:element>
				<xs:element name="Bankrupt" type="osb:Individual" maxOccurs="unbounded">
					<xs:annotation>
						<xs:documentation>BankruptName</xs:documentation>
					</xs:annotation>
				</xs:element>
				<xs:element name="AdditionalInformation" type="xs:string" minOccurs="0">
					<xs:annotation>
						<xs:documentation>Provide any additional information related to the form.</xs:documentation>
					</xs:annotation>
				</xs:element>
			</xs:sequence>
		</xs:complexType>
	</xs:element>
</xs:schema>
