<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31416708</termId><termName>exchanges</termName><termType>PT</termType><termNote><![CDATA[ In modern usage, buildings that house banks that specialize in the exchange of stocks and securities. The term historically refers to buildings in which the merchants of a town assemble for the transaction of business. ]]></termNote><termCreatedDate>2026-03-30 20:52:08</termCreatedDate><relation><relationType>UF</relationType><termId>31416709</termId><termName>bourses</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31416710</termId><termName>exchange</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31416711</termId><termName>exchange banks</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31416712</termId><termName>lonjas</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31381005</termId><termName>financial institutions</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>31442075</termId><termName>commodity exchanges</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>31442086</termId><termName>stock exchanges</termName><termType>PT</termType></relation></term>  </Zthes>