You need to export as a CMYK TIFF. They can handle that. If they say they absolutely need CMYK JPG files, then use an image editor to open the CMYK TIFFs and resave as a CMYK JPG. I use Photoline as my main image editor, Photoshop will do the same if you have it. I wrote the distinction of CMYK TIFF and CMYK JPG, but as long as you export from your Xara application as a CMYK TIFF, one only needs to open the file in a decent image editor and resave/export as the JPG. There's nothing else you need to do.
I wouldn't recommend exporting as RGB and converting to CMYK as there will be unintended color shifting.
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