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  <element name="ConsultantMember" id="kcrd_ConsultantMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="DebCommissionRevenueMember" id="kcrd_DebCommissionRevenueMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="CashPickupCommissionRevenueMember" id="kcrd_CashPickupCommissionRevenueMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="PromissoryNoteMember" id="kcrd_PromissoryNoteMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="BottomsMember" id="kcrd_BottomsMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="TopsMember" id="kcrd_TopsMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
</schema>
