<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema"><xs:element name="PAP_UPDATE"> <xs:complexType> <xs:sequence> <xs:element ref="PAP_RECORD" minOccurs="1" maxOccurs="unbounded"/> </xs:sequence> </xs:complexType> </xs:element> <xs:element name="PAP_RECORD"> <xs:complexType> <xs:all> <xs:element ref="lease" minOccurs="1" maxOccurs="1"/> <xs:element ref="PAP" minOccurs="0" maxOccurs="1"/> <xs:element ref="effectiveDate" minOccurs="0" maxOccurs="1"/> <xs:element ref="account" minOccurs="0" maxOccurs="1"/> <xs:element ref="institutionIdentification" minOccurs="0" maxOccurs="1"/> <xs:element ref="accountName" minOccurs="0" maxOccurs="1"/> <xs:element ref="autoPayInterval" minOccurs="0" maxOccurs="1"/> </xs:all> </xs:complexType> </xs:element> <xs:element name="lease"/> <xs:element name="PAP"/> <xs:element name="effectiveDate"/> <xs:element name="account"/> <xs:element name="institutionIdentification"/> <xs:element name="accountName"/> <xs:element name="autoPayInterval"/> </xs:schema>