<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema"><xs:element name="ADHOC_ACH_UPDATE"> <xs:complexType> <xs:sequence> <xs:element ref="ADHOC_ACH_RECORD" minOccurs="1" maxOccurs="unbounded"/> </xs:sequence> </xs:complexType> </xs:element> <xs:element name="ADHOC_ACH_RECORD"> <xs:complexType> <xs:all> <xs:element ref="lease" minOccurs="1" maxOccurs="1"/> <xs:element ref="adHocEffectiveDate" minOccurs="0" maxOccurs="1"/> <xs:element ref="adHocPAPamount" minOccurs="1" maxOccurs="1"/> </xs:all> </xs:complexType> </xs:element> <xs:element name="lease"/> <xs:element name="adHocEffectiveDate"/> <xs:element name="adHocPAPamount"/> </xs:schema>