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Response Example (Changeable/Refundable but Conditions Apply) v1.9.5 

<PenaltiesInfo>
	<Penalty Type="Exchange" Applicability="Before" Changeable="true" ConditionsApply=“true” Amount="0.00" CurrencyCode="USD" DecimalPlaces="2" Cat16Info="false">
	</Penalty>
</PenaltiesInfo>