<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema">
  <xs:element name="Customers" type="customersType"/>
  <xs:complexType name="customersType">
    <xs:sequence>
      <xs:element name="Customer" type="CustomerType" minOccurs="0" maxOccurs="unbounded"/>
    </xs:sequence>
  </xs:complexType>
  <xs:complexType name="CustomerType">
    <xs:sequence>
    <xs:element name="CustomerNo" type="xs:string" minOccurs="1"/>
    <xs:element name="CustomerName" type="xs:string" minOccurs="1"/>
    <xs:element name="Phone" type="xs:string" minOccurs="0"/>
    <xs:element name="AccountBalance" type="Decimal4dp" minOccurs="0"/>
    </xs:sequence>
  </xs:complexType>
  <xs:simpleType name="Decimal2dp">
    <xs:restriction base="xs:decimal">
      <xs:fractionDigits value="2" />
    </xs:restriction>
  </xs:simpleType>
  <xs:simpleType name="Decimal4dp">
    <xs:restriction base="xs:decimal">
      <xs:fractionDigits value="4" />
    </xs:restriction>
  </xs:simpleType>
</xs:schema>