<?xml version='1.0' encoding='utf-8'?>
<!-- Created by Charles Hoffman, CPA 2020-03-25 -->
<schema
  xmlns='http://www.w3.org/2001/XMLSchema'
  xmlns:xbrli='http://www.xbrl.org/2003/instance'
  xmlns:link='http://www.xbrl.org/2003/linkbase'
  xmlns:xlink='http://www.w3.org/1999/xlink'
  xmlns:elr='http://xbrlsite.com/typeSubtype/elr'
  xmlns:generic='http://xbrl.org/2008/generic'
  targetNamespace='http://xbrlsite.com/typeSubtype/elr'
  elementFormDefault='qualified'
  attributeFormDefault='unqualified'>
  <annotation>
    <appinfo>

         <link:roleType roleURI='http://xbrlsite.com/typeSubtype/elr/role/TypeSubtypeAssociations' id='TypeSubtypeAssociations'>
           <link:definition>Type Subtype Associations</link:definition>
           <link:usedOn>link:presentationLink</link:usedOn>
           <link:usedOn>link:calculationLink</link:usedOn>
           <link:usedOn>link:definitionLink</link:usedOn>
           <link:usedOn>generic:link</link:usedOn>
         </link:roleType>

    </appinfo>
  </annotation>
  <import namespace='http://www.xbrl.org/2003/instance' schemaLocation='http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd' />
</schema>
