<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31360137</termId><termName>promissory notes</termName><termType>PT</termType><termNote><![CDATA[ Unconditional written promises to pay on demand, or at a fixed or determined future time, a certain sum of money to, or to the order of, a specified person or to the bearer. ]]></termNote><termCreatedDate>2026-03-30 20:37:09</termCreatedDate><relation><relationType>UF</relationType><termId>31360138</termId><termName>IOUs</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360139</termId><termName>notes, promissory</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31360140</termId><termName>promissory note</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31326156</termId><termName>promises to pay</termName><termType>PT</termType></relation><relation><relationType>BT</relationType><termId>31326159</termId><termName>credit instruments</termName><termType>PT</termType></relation></term>  </Zthes>