<?xml version="1.0"?>
<!-- Edited with FutureStage XBRL Solution Library .NET 01-11 -->
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  <element id="jpcrp020400-srs_E37304-000_ProceedsFromSurrenderValueOfInsuranceOpeCF" xbrli:periodType="duration" abstract="false" name="ProceedsFromSurrenderValueOfInsuranceOpeCF" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
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</schema>