<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31342639</termId><termName>banking</termName><termType>PT</termType><termNote><![CDATA[ Business of receiving and safeguarding money on deposit, loaning money, extending credit, and facilitating the transfer of funds by check, draft, or exchange. ]]></termNote><termCreatedDate>2026-03-30 20:32:24</termCreatedDate><relation><relationType>BT</relationType><termId>31319062</termId><termName>business</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>31313920</termId><termName>bankers</termName><termType>PT</termType></relation></term>  </Zthes>