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  <element id="wfmi_PreferredStockDividendsDeclaredOrSettled" name="PreferredStockDividendsDeclaredOrSettled" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <element id="wfmi_PreferredStockDividendsSharesDeclaredOrSettled" name="PreferredStockDividendsSharesDeclaredOrSettled" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <element id="wfmi_BasisOfPresentationDisclosureTextBlock" name="BasisOfPresentationDisclosureTextBlock" nillable="true" substitutionGroup="xbrli:item" type="us-types:textBlockItemType" xbrli:periodType="duration" />
  <element id="wfmi_DirectStoreExpenses" name="DirectStoreExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <element id="wfmi_EquityDisclosureTextBlock" name="EquityDisclosureTextBlock" nillable="true" substitutionGroup="xbrli:item" type="us-types:textBlockItemType" xbrli:periodType="duration" />
</schema>