<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31326153</termId><termName>orders to pay</termName><termType>PT</termType><termNote><![CDATA[ Written, negotiable instruments that contain orders for payment. ]]></termNote><termCreatedDate>2026-03-30 20:27:54</termCreatedDate><relation><relationType>UF</relationType><termId>31326154</termId><termName>order to pay</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31326155</termId><termName>pay, orders to</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31307839</termId><termName>negotiable instruments</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>31360088</termId><termName>letters of credit</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>31360110</termId><termName>checks</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>31326159</termId><termName>credit instruments</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>31360119</termId><termName>bills of exchange</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>31360122</termId><termName>money orders</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>31360126</termId><termName>drafts</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>31360131</termId><termName>dividend warrants</termName><termType>PT</termType></relation></term>  </Zthes>