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xsi:schemaLocation="urn:tempuri:Personal personal.xsd
   urn:tempuri:Contact email.xsd
   urn:tempuri:Contact address.xsd"

    <import schemaLocation="address.xsd" namespace="urn:tempuri:Contac
+t"/>
    <import schemaLocation="email.xsd" namespace="urn:tempuri:Contact"
+/>

<?xml version="1.0" encoding="utf-8"?>
<xs:schema
...
    <xs:include schemaLocation="address.xsd"/>
    <xs:include schemaLocation="email.xsd"/>
</xs:schema>

<?xml version="1.0" encoding="UTF-8"?>
<schema
...
        </sequence>
    </complexType>
</schema>

<?xml version="1.0" encoding="UTF-8"?>
<pinfo:PersonalInfo
...
      </cinfo:Address>
    </Contact>
</pinfo:PersonalInfo>