<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31360088</termId><termName>letters of credit</termName><termType>PT</termType><termNote><![CDATA[ Use both for letters addressed by a bank to a correspondent certifying that a person named therein is entitled to draw upon his credit up to a certain sum and for letters addressed by a banker to a person to whom credit is given, authorizing that person to draw on the issuing bank. ]]></termNote><termCreatedDate>2026-03-30 20:37:09</termCreatedDate><relation><relationType>UF</relationType><termId>31360103</termId><termName>letters of credit, commercial</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360104</termId><termName>letters of credit, confirmed</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360105</termId><termName>letters of credit, traveler&apos;s</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360106</termId><termName>letters of credit, travelers&apos;</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360107</termId><termName>notes, circular</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360108</termId><termName>traveler&apos;s letters of credit</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360109</termId><termName>travelers&apos; letters of credit</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360089</termId><termName>circular letters of credit</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360090</termId><termName>circular notes</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360091</termId><termName>commercial letters of credit</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360092</termId><termName>confirmed credit</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360093</termId><termName>confirmed letters of credit</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360094</termId><termName>credit, circular letters of</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360095</termId><termName>credit, commercial letters of</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360096</termId><termName>credit, confirmed</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360097</termId><termName>credit, confirmed letters of</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360098</termId><termName>credit, letters of</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360099</termId><termName>credit, traveler&apos;s letters of</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360100</termId><termName>credit, travelers&apos; letters of</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360101</termId><termName>letter of credit</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360102</termId><termName>letters of credit, circular</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31326153</termId><termName>orders to pay</termName><termType>PT</termType></relation></term>  </Zthes>