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  <element id="jpcrp030000-asr_E00143-000_SystemChangeExpenseNOE" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="SystemChangeExpenseNOE" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E00143-000_NotesRegardingTrademarkFeeIncomeTextBlock" xbrli:periodType="duration" abstract="false" name="NotesRegardingTrademarkFeeIncomeTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E00143-000_NotesRegardingSystemChangeExpenseTextBlock" xbrli:periodType="duration" abstract="false" name="NotesRegardingSystemChangeExpenseTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
</schema>