<!ELEMENT PMT_SOURCE_RECROD (clientNumber, paymentSource, description?, bankAccountName?, bankRoutingNumber?, dsoChecksum)> <!ELEMENT clientNumber (#PCDATA)> <!ELEMENT paymentSource (#PCDATA)> <!ELEMENT description (#PCDATA)> <!ELEMENT bankAccountName (#PCDATA)> <!ELEMENT bankRoutingNumber (#PCDATA)> <!ELEMENT dsoChecksum (#PCDATA)>