How to specify schemaLocation in a different folder for Schema

Hello All,
I have a question on defining XML Schema in wmIS with include. Suppose I have this include to address.xsd but not in a different folder at the same level as the main xsd.

Main Schema:
ipo.xsd ==> location folder MAIN
address.xsd ==> location folder TEST

So in ipo.xsd I have:

That would work if address.xsd is in the same folder as ipo.xsd.
How do I specify or construct the location of address.xsd correctly in TEST folder?

Please advise.

Thank you!
Jean R.