Первый раз работаю с XML дали задание и два файла, не могу понять какой из них надо считывать

<?xml version="1.0" encoding="UTF-8"?>
<!-- edited with XMLSPY v2004 rel. 4 U ( http://www.xmlspy.com) by ahu (ORiON) -->
<xs:schema elementFormDefault="qualified" attributeFormDefault="unqualified" xmlns:xs=" http://www.w3.org/2001/XMLSchema">
<xs:element name="PaymentRequest">
<xs:annotation>
<xs:documentation>Comment describing your root element</xs:documentation>
</xs:annotation>
<xs:complexType>
<xs:sequence>
<xs:element name="Header">
<xs:complexType>
<xs:sequence>
<xs:element name="UName"/>
<xs:element name="Psswd"/>
</xs:sequence>
</xs:complexType>
</xs:element>
<xs:element name="Request">
<xs:complexType>
<xs:sequence>
<xs:element name="TrnsNo"/>
<xs:element name="TrnsTime"/>
<xs:element name="TrnsType"/>
<xs:element name="AgnNo"/>
<xs:element name="InvoiceNo"/>
<xs:element name="Amount"/>
<xs:element name="Cur"/>
<xs:element name="AcountCode"/>
</xs:sequence>
</xs:complexType>
</xs:element>
</xs:sequence>
</xs:complexType>
</xs:element>
</xs:schema>

против

<?xml version="1.0" encoding="UTF-8"?><PaymentRequest><Header><UName>xxx</UName><Psswd>xxx</Psswd></Header><Request><TrnsNo>2606</TrnsNo><TrnsTime>2011-04-26 09:16:00</TrnsTime><TrnsType>D</TrnsType><AgnNo>103057</AgnNo><InvoiceNo>5</InvoiceNo><Amount>2000.00</Amount><Cur>3</Cur><AccountCode>1</AccountCode></Request></PaymentRequest>