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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0014/1051052/sa-participation-rules-waiver-pr4-2016.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0017/1051280/vic-operating-requirements-waiver-or4-2016.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0014/1051304/vic-participation-rules-waiver-pr4-2016.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0017/1051307/wa-participation-rules-waiver-pr4-2016.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/1239390/arnecc-review-regulatory-framework-notice-stakeholders.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0018/1241631/nmfs_v1_5_clean_wa.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0013/1242400/Qld_Operating_Requirements_Version_4.pdf</loc>
<lastmod>2019-01-11</lastmod>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0015/1242402/Qld_Participation_Rules_Version_4.pdf</loc>
<lastmod>2017-04-27</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0005/1242473/model-operating-requirements-4-draft-clean.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/1242476/Model_Participation_Rules_Version_4_Clean.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0019/1242550/Model_Operating_Requirements_Version_4_Consultation_Draft_Feedback_Table.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0020/1242551/Model_Participation_Rules_Version_4_Consultation_Draft_Feedback_Table.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0005/1242860/vic-operating-req-version-4.pdf</loc>
<lastmod>2017-05-02</lastmod>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/1242862/victorian-participation-rules-version-4.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/1242867/nsw-operating-req-version-4.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/1242868/nsw-participation-rules-version-4.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/1242871/sa-operating-requirements-version-4.pdf</loc>
<lastmod>2017-05-10</lastmod>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/1242876/sa-participation-rules-version-4.pdf</loc>
<lastmod>2017-05-10</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/1252297/nmf_webform_user_guide_v1.pdf</loc>
<lastmod>2018-01-23</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/1259775/wa-participation-rules-waiver-pr1-2017.pdf</loc>
<lastmod>2017-07-14</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/1260744/arnecc-approval-elno.pdf</loc>
<lastmod>2019-10-24</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/1264125/entitlement-to-sign-registry-instruments.pdf</loc>
<lastmod>2020-10-13</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/resources/guidance-practitioner-regulators</loc>
<lastmod>2021-02-24</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/1275967/wa-operating-req-v-4.pdf</loc>
<lastmod>2017-09-08</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/1275968/wa-participation-rules-v-4.pdf</loc>
<lastmod>2017-09-08</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/1281554/vic-participation-rules-waiver-pr1-2017.pdf</loc>
<lastmod>2018-10-08</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/1281581/PR1_2017_Participation_Rules_Waiver-Encumbrancee_Encumbrancer_Certifications.pdf</loc>
<lastmod>2020-05-13</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/1358703/nmf_webform_user_guide_v1.1.pdf</loc>
<lastmod>2018-01-23</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/1382533/model-participation-rules-consultation-draft-5-clean.pdf</loc>
<lastmod>2018-09-05</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/1382539/model-participation-rules-consultation-draft-5-marked-up.pdf</loc>
<lastmod>2018-09-05</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/1382550/model-operating-requirements-consultation-draft-5-clean.pdf</loc>
<lastmod>2018-09-05</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/1382551/model-operating-requirements-consultation-draft-5-marked-up.pdf</loc>
<lastmod>2018-09-05</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/1382553/notice-stakeholders-release-mor-mpr-consultation.pdf</loc>
<lastmod>2018-03-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/1394628/addendum-nsw-requirements-in-the-nmf-specification.pdf</loc>
<lastmod>2018-08-31</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/1394629/addendum-sa-requirements-in-the-nmf-specification.pdf</loc>
<lastmod>2018-05-28</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/1395838/arnecc-notice-stakeholders-re-purcell-partners.pdf</loc>
<lastmod>2018-05-29</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/1399052/arnecc-notice-stakeholders-re-sympli-australia.pdf</loc>
<lastmod>2018-07-04</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0015/1405041/addendum-sa-requirements-in-the-nmf-specification-v1-5.pdf</loc>
<lastmod>2019-01-21</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0019/1405261/arnecc-notice-stakeholders-release-mor-mpr-consultation-drafts-ver-5-1.pdf</loc>
<lastmod>2018-09-05</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0017/1405430/mpr-consultation-draft-5-1-feedback-table.pdf</loc>
<lastmod>2018-09-05</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0018/1405431/mor-consultation-draft-5-1-feedback-table.pdf</loc>
<lastmod>2018-09-05</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0020/1405433/mpr-consultation-draft-5-1-clean.pdf</loc>
<lastmod>2018-10-05</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/1405434/mpr-consultation-draft-5-1-marked-up.pdf</loc>
<lastmod>2018-10-05</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/1405437/mor-consultation-draft-5-1-clean.pdf</loc>
<lastmod>2020-10-07</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/1405439/mor-consultation-draft-5-1-marked-up.pdf</loc>
<lastmod>2020-10-07</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/1406911/addendum-nsw-requirements-in-the-nmf-specification-v1-5.pdf</loc>
<lastmod>2019-01-22</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/1406952/arnecc-industry-forum-slides-19-09-18.pdf</loc>
<lastmod>2018-09-21</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/1407531/arnecc-stakeholder-briefing-september-2018-qa.pdf</loc>
<lastmod>2020-02-04</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/1408719/vic-participation-rules-waiver-pr1-2018.pdf</loc>
<lastmod>2019-03-22</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0015/1411026/IGA-Governance-Arrangements.pdf</loc>
<lastmod>2018-10-29</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0016/1411027/IGA-Review-Scope.pdf</loc>
<lastmod>2018-10-29</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0016/1411036/arnecc-notice-to-stakeholders-iga-review.pdf</loc>
<lastmod>2018-11-05</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/1417584/arnecc-notice-stakeholders-sympli-australia.pdf</loc>
<lastmod>2018-11-27</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/1426156/model-operating-requirements-5-clean.pdf</loc>
<lastmod>2021-02-23</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/1426161/model-participation-rules-version-5-clean.pdf</loc>
<lastmod>2021-02-23</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/1426170/mpr-version-5-consultation-draft-5-1-feedback-table.pdf</loc>
<lastmod>2018-12-21</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/1426171/mor-version-5-consultation-draft-5-1-feedback-table.pdf</loc>
<lastmod>2020-02-13</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/1426779/nsw-operating-req-version-5.pdf</loc>
<lastmod>2019-01-03</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0005/1426784/nsw-participation-rules-version-5.pdf</loc>
<lastmod>2019-02-07</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/1426785/sa-operating-requirements-version-5.pdf</loc>
<lastmod>2019-01-03</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/1426786/sa-participation-rules-version-5.pdf</loc>
<lastmod>2019-02-07</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/1427511/Qld_Operating_Requirements_Version_5.pdf</loc>
<lastmod>2019-01-11</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/1427514/qld-participation-rules-5.pdf</loc>
<lastmod>2019-02-07</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/1428489/arnecc-strategic-plan-2018-19.pdf</loc>
<lastmod>2019-01-18</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/1428743/addendum-nsw-requirements-in-the-nmf-specification-v1-5-clean.pdf</loc>
<lastmod>2019-03-01</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/1431255/victorian-participation-rules-version-5.pdf</loc>
<lastmod>2019-02-07</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0005/1431257/vic-operating-req-version-5.pdf</loc>
<lastmod>2019-02-07</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/1431339/wa-participation-rules-v-5.pdf</loc>
<lastmod>2019-02-08</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0017/1431341/wa-operating-req-v-5.pdf</loc>
<lastmod>2019-02-08</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/1433509/iga-review-issues-paper.pdf</loc>
<lastmod>2019-02-19</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/word_doc/0009/1433763/client-authorisation-representative-version-5.docx</loc>
<lastmod>2019-02-25</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/1433764/client-authorisation-representative-terms-version-5.pdf</loc>
<lastmod>2019-02-25</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/1433765/client-authorisation-representative-version-5.pdf</loc>
<lastmod>2019-02-25</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/1435643/mor-guidance-notes-version-5-clean.pdf</loc>
<lastmod>2019-02-25</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/1435644/mor-guidance-notes-version-5-marked-up.pdf</loc>
<lastmod>2019-02-25</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/1437059/addendum-nsw-requirements-in-the-nmf-specification-v1.5-v5-11april.pdf</loc>
<lastmod>2019-09-18</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/1439563/vic-participation-rules-waiver-pr1-2019.pdf</loc>
<lastmod>2019-03-22</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/1439566/wa-participation-rules-waiver-pr1-2019.pdf</loc>
<lastmod>2020-01-20</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/1439567/sa-participation-rules-waiver-pr1-2019.pdf</loc>
<lastmod>2019-03-22</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/1442082/position-statement-effecting-legislative-and-regulatory-change.pdf</loc>
<lastmod>2020-02-14</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/1445491/vic-operating-requirement-or1-2019.pdf</loc>
<lastmod>2019-11-01</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/1445492/vic-operating-requirement-or2-2019.pdf</loc>
<lastmod>2019-05-27</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/1445494/sa-operating-requirements-waiver-or1-2019.pdf</loc>
<lastmod>2020-05-13</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0005/1445495/sa-operating-requirements-waiver-or2-2019.pdf</loc>
<lastmod>2020-05-13</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/1445496/vic-participation-rules-waiver-pr2-2019.pdf</loc>
<lastmod>2019-07-02</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/publications/subscriber_compliance_guidance</loc>
<lastmod>2021-02-24</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0017/1448000/subscriber-compliance-common-errors.pdf</loc>
<lastmod>2020-10-13</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/1448686/vic-participation-rules-waiver-pr3-2019.pdf</loc>
<lastmod>2019-07-02</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0012/1448688/vic-operating-requirement-or3-2019.pdf</loc>
<lastmod>2019-07-02</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0019/1450180/sa-participation-rules-waiver-pr2-2019.pdf</loc>
<lastmod>2020-05-13</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/1450191/vic-or-waiver-integration-or4-2019.pdf</loc>
<lastmod>2019-11-01</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/1450196/vic-or-waiver-sympli-pricing-table-or5-2019.pdf</loc>
<lastmod>2019-07-18</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0012/1450200/sa-operating-requirement-waiver-or3-2019.pdf</loc>
<lastmod>2020-05-13</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0014/1450202/sa-operating-requirement-waiver-or4-2019.PDF</loc>
<lastmod>2020-05-13</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/1451573/iga-review-draft-final-report.pdf</loc>
<lastmod>2020-01-20</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/1454802/arnecc-applying-elno.pdf</loc>
<lastmod>2019-08-28</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/1454805/arnecc-strategic-plan-2019-20.pdf</loc>
<lastmod>2019-08-28</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/1455977/sa-addendum-nmf.pdf</loc>
<lastmod>2019-09-18</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0012/1455978/nsw-addendum-nmf.pdf</loc>
<lastmod>2020-06-02</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0016/1460500/vic-or-integration-waiver.pdf</loc>
<lastmod>2019-11-01</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/1461996/notice-subscribers-2019-ns1.pdf</loc>
<lastmod>2019-11-20</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/1464327/mpr-consultation-draft-6-clean.pdf</loc>
<lastmod>2020-03-20</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/1464328/mpr-consultation-draft-6-marked-up.pdf</loc>
<lastmod>2020-03-20</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/1464352/mor-consultation-draft-6-clean.pdf</loc>
<lastmod>2020-10-09</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/1464353/mor-consultation-draft-6-marked-up.pdf</loc>
<lastmod>2020-10-09</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/news_items/guidance-for-e-settlement-subscribers-and-their-instructing-practitioners</loc>
<lastmod>2020-08-18</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/1464389/mpr-guidance-query-e-settlement-subs.pdf</loc>
<lastmod>2020-08-18</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0012/1468848/wa-participation-rules-waiver-pr2-2019.pdf</loc>
<lastmod>2020-01-20</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/1468849/iga-review-final-report.pdf</loc>
<lastmod>2020-01-20</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0019/1471303/arnecc-stakeholder-briefing-february-2020.pdf</loc>
<lastmod>2020-02-13</lastmod>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0017/1473110/position-statement-electronic-conveyancing.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/1473334/arnecc-letter-nsw-interoperability.pdf</loc>
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<loc>https://www.arnecc.gov.au/resources/statements</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/1477075/position-statement-covid19.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/1481476/sa-participation-rules-waiver-pr1-2020.pdf</loc>
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<loc>https://www.arnecc.gov.au/regulation/participation_rules_by_jurisdiction/australian-capital-territory</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/1483557/act-participation-rules-v-5.pdf</loc>
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<loc>https://www.arnecc.gov.au/regulation/operating_requirements_by_jurisdiction/australian-capital-territory</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/1484607/sa-operating-requirements-waiver-or2-2020.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/1484612/vic-operating-requirements-waiver-or1-2020.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/1491497/position-statement-digital-voi.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0005/1508765/ministerial-direction-econveyancing-market-structure.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/1512939/mor-consultation-draft-6.1-marked-up.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/1512940/mor-consultation-draft-6.1-clean.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/1513000/mpr-consultation-draft-6-feedback-table.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0019/1522315/sa-operating-requirement-waiver-or5-2019.PDF</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/1543341/model-operating-requirements-6-marked-up.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/1543348/model-participation-rules-version-6-clean.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/1543349/model-participation-rules-version-6-marked-up.pdf</loc>
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<loc>https://www.arnecc.gov.au/regulation/operating_requirement_waivers/new_south_wales</loc>
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<loc>https://www.arnecc.gov.au/regulation/electronic_conveyancing_national_law</loc>
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<loc>https://www.arnecc.gov.au/regulation/operating_requirements_by_jurisdiction/new_south_wales</loc>
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<loc>https://www.arnecc.gov.au/regulation/participation_rules_by_jurisdiction</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/698163/VIC_Operating-Requirements-Version-3.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/698167/Model_Participation_Rules_Version_1.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/698172/Model_Operating_Requirements_Version_3.pdf</loc>
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<loc>https://www.arnecc.gov.au/regulation/operating_requirement_waivers</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/698249/WA_Participation_Rules.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/698251/MPR_Version_3_Guidance_Note_2_Verification_of_Identity_Consultation_Draft.pdf</loc>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0005/698252/MPR_Version_3_Guidance_Note_3_Certifications_Consultation_Draft.pdf</loc>
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<loc>https://www.arnecc.gov.au/resources/consultation/model_participation_rules</loc>
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<lastmod>2015-11-30</lastmod>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/698298/Model_Participation_Rules_Version_3_Consultation_Draft_Clean.pdf</loc>
<lastmod>2015-11-30</lastmod>
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<lastmod>2015-11-30</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/698305/NSW_Operating_Requirement_WaiverOR1_-2015.pdf</loc>
<lastmod>2016-06-06</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0005/698306/NSW_Operating_Requirements_WaiverOR2_-2015.pdf</loc>
<lastmod>2016-06-06</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/698307/NSW_Operating_Requirements_WaiverOR3-2015.pdf</loc>
<lastmod>2016-06-06</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/698308/VIC_operating_requirements_waiverOR1-2015.pdf</loc>
<lastmod>2015-10-26</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/regulation/participation_rule_waivers</loc>
<lastmod>2016-02-18</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/regulation/participation_rule_waivers/new_south_wales</loc>
<lastmod>2021-02-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/regulation/participation_rule_waivers/victoria</loc>
<lastmod>2021-02-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/regulation/participation_rule_waivers/queensland</loc>
<lastmod>2021-02-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/regulation/participation_rule_waivers/western_australia</loc>
<lastmod>2021-02-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/698399/QLD_participation_rules_waiver_pr_1-2015.pdf</loc>
<lastmod>2015-10-26</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/698400/QLD_participation_rules_waiver_pr2-2015.pdf</loc>
<lastmod>2015-10-26</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/698401/NSW_PR_Waiver_PR1-2014.pdf</loc>
<lastmod>2016-06-06</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/698402/QLD_operating-requirements-waiver-or1-2015.pdf</loc>
<lastmod>2015-10-22</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/698403/QLD_operating-requirements-waiver-or2-2015.pdf</loc>
<lastmod>2015-10-26</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/698404/QLD_operating-requirements-waiver-or3-2015.pdf</loc>
<lastmod>2015-10-22</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0005/698405/QLD_operating_req_waiver_or4_2015.pdf</loc>
<lastmod>2015-10-22</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/698406/VIC_Operating-Requirements-Version-2.pdf</loc>
<lastmod>2015-10-22</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/698407/VIC-Operating-Requirements-Version-1.pdf</loc>
<lastmod>2015-11-26</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/698408/VIC-Participation-Rules-Version-1.pdf</loc>
<lastmod>2015-10-22</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/698409/VIC_Participation-Rules-Version-3.pdf</loc>
<lastmod>2015-10-22</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/698410/WA_ORWaiverOR1_2014.pdf</loc>
<lastmod>2016-01-29</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/698411/WA_ORWaiverOR1_2015.pdf</loc>
<lastmod>2016-01-29</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/698412/WA_Waiver-OR2-2015.pdf</loc>
<lastmod>2016-01-29</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/698413/WA_Waiver-OR3-2015.pdf</loc>
<lastmod>2016-01-29</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0005/698414/WA_PRWaiverPR1_2014.pdf</loc>
<lastmod>2015-10-01</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/698415/WA_Waiver-PR1-2015.pdf</loc>
<lastmod>2015-10-26</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/698416/NSW_Participation_Rules_Version_3.pdf</loc>
<lastmod>2016-06-06</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/698417/NSW_Operating_Requirements_Version_3.pdf</loc>
<lastmod>2016-06-06</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/698418/VIC_operating_requirements_waiverOR4-2015.pdf</loc>
<lastmod>2015-10-26</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/698419/VIC_operating_requirements_waiverOR3-2015.pdf</loc>
<lastmod>2015-10-26</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/698420/VIC_operating_requirements_waiverOR2-2015.pdf</loc>
<lastmod>2015-10-26</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/698421/VIC_operating_requirements_waiverOR1-2014.pdf</loc>
<lastmod>2015-10-26</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/698422/NSW_PR_Waiver_PR1-2015.pdf</loc>
<lastmod>2016-06-06</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0005/698423/VIC_participation_rules_waiver_PR2-2015.pdf</loc>
<lastmod>2015-10-26</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/698424/VIC_participation_rules_waiver_PR1-2015.pdf</loc>
<lastmod>2015-10-26</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/698425/VIC_participation_rules_waiver_PR1-2014.pdf</loc>
<lastmod>2019-11-01</lastmod>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/698426/VIC_participation_rules_waiver_PR1-2013.pdf</loc>
<lastmod>2015-10-26</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/698427/WA_Operating_Requirements_Version_3.pdf</loc>
<lastmod>2015-10-26</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/698428/Qld_Operating_Requirements_Version_3.pdf</loc>
<lastmod>2015-10-26</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/698429/WA_Participation_Rules_Version_3.pdf</loc>
<lastmod>2015-10-26</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/698430/Qld_Participation_Rules_Version_3.pdf</loc>
<lastmod>2015-10-26</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/698431/NSW_PR_Waiver_PR2-2015_Certifications.pdf</loc>
<lastmod>2016-06-06</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0012/698439/Qld_Participation_Rules_Waiver_PR4-2015.pdf</loc>
<lastmod>2016-03-03</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/698440/Qld_Participation_Rules_Waiver_PR3-2015.pdf</loc>
<lastmod>2016-03-03</lastmod>
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<loc>https://www.arnecc.gov.au/about_us/charter</loc>
<lastmod>2020-03-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/698445/arnecc-charter-10-3-2020.pdf</loc>
<lastmod>2020-03-16</lastmod>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/698446/ARNECC-Complaints-Handling-Policy-and-Procedures-8Sep2017.pdf</loc>
<lastmod>2019-02-06</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/698447/arnecc-stakeholder-engagement-framework.pdf</loc>
<lastmod>2020-03-04</lastmod>
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<loc>https://www.arnecc.gov.au/about_us/stakeholder_engagement</loc>
<lastmod>2020-03-04</lastmod>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/698452/ARNECC_Strategic_Statement_January_2016.pdf</loc>
<lastmod>2016-01-11</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/about_us/membership</loc>
<lastmod>2020-10-14</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/compliance/certifications</loc>
<lastmod>2015-11-18</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/about_us/strategic_plan</loc>
<lastmod>2019-08-28</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/compliance/compliance_examinations</loc>
<lastmod>2021-02-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/compliance/compliance_assessments</loc>
<lastmod>2021-02-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/compliance/annual_reviews</loc>
<lastmod>2021-02-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/compliance/compliance_monitoring</loc>
<lastmod>2021-02-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/698533/WA_Participation_Rules_Waiver_PR2-2015.pdf</loc>
<lastmod>2015-11-20</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/resources/consultation/model_participation_rules_guidance_notes</loc>
<lastmod>2021-02-24</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/publications/notices_to_subscribers</loc>
<lastmod>2021-02-24</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/resources/consultation</loc>
<lastmod>2015-11-30</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/resources/feedback</loc>
<lastmod>2021-02-24</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/698633/MPR_Guidance_Notes_1_2_and_3_Consultation_Drafts_Feedback_Table.pdf</loc>
<lastmod>2015-12-10</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/resources/consultation/smartforms</loc>
<lastmod>2021-02-24</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0005/698657/CA_SmartForm_v6.pdf</loc>
<lastmod>2015-11-30</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/resources/presentations</loc>
<lastmod>2021-02-24</lastmod>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/698677/National_Mortgage_Smartform_Consultation_Draft.pdf</loc>
<lastmod>2015-11-30</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/698678/Model_Operating_Requirements_Presentation_March_2012.pdf</loc>
<lastmod>2015-11-30</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/698679/Electronic_Conveyancing_National_Law_Presentation_March_2012.pdf</loc>
<lastmod>2015-11-30</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/698680/Stakeholder_Briefing_March_2012.pdf</loc>
<lastmod>2015-11-30</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/698681/Electronic_Conveyancing_National_Law_Discussion_Paper_August_2011.pdf</loc>
<lastmod>2015-11-30</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0012/698682/Electronic_Conveyancing_National_Law_Presentation_August_2011.pdf</loc>
<lastmod>2015-11-30</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/698683/Stakeholder_Briefing_August_2011.pdf</loc>
<lastmod>2015-11-30</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0005/698684/Legal_Framework_Presentation_May_2011.pdf</loc>
<lastmod>2015-11-30</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/698685/Stakeholder_Briefing_May_2011.pdf</loc>
<lastmod>2015-11-30</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/698686/Model_Participation_Rules_Presentation_March_2012.pdf</loc>
<lastmod>2015-11-30</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/698687/Stakeholder_Briefing_October_2012.pdf</loc>
<lastmod>2015-11-30</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/698688/Model_Participation_Rules_Issues_Paper_June_2015.pdf</loc>
<lastmod>2015-11-30</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/698689/Model_Participation_Rules_Presentation_June_2015.pdf</loc>
<lastmod>2015-11-30</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/698690/National_Mortgage_Smartform_Consultation_Draft_Feedback_Table.pdf</loc>
<lastmod>2015-11-30</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/resources/links/electronic_lodgment_network_operators</loc>
<lastmod>2020-09-25</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/resources/links/identity_agents</loc>
<lastmod>2019-02-06</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/resources/links/mortgage_brokers</loc>
<lastmod>2020-09-25</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/698716/MPR-Guidance-Note3-Certifications.pdf</loc>
<lastmod>2019-02-25</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0012/698718/MPR-Guidance-Note-1-Client-Authorisation.pdf</loc>
<lastmod>2019-02-25</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/publications/mor_guidance_notes</loc>
<lastmod>2021-02-24</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/publications/mpr_guidance_notes</loc>
<lastmod>2021-02-24</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/698762/IGA_for_an_Electronic_Conveyancing_National_Law.pdf</loc>
<lastmod>2020-03-04</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/about_us/key_objectives</loc>
<lastmod>2020-03-10</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/about_us/definitions</loc>
<lastmod>2020-10-14</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/698773/VIC_operating_requirements_waiverOR5-2015.pdf</loc>
<lastmod>2015-12-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/698775/QLD_operating_requirements_waiverOR5-2015.pdf</loc>
<lastmod>2015-12-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0012/698790/WA_ORWaiver_OR4-2015.pdf</loc>
<lastmod>2016-01-29</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/698791/MPR-Guidance-Note4-Right-to-Deal.pdf</loc>
<lastmod>2019-02-25</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0005/698792/MPR-Guidance-Note5-Retention-of-Evidence.pdf</loc>
<lastmod>2019-02-25</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/698793/client-authorisation-representative-smartform-mpr-version-5-0.pdf</loc>
<lastmod>2019-03-27</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/698794/MPR_Guidance_Notes_4_and_5_Consultation_Drafts_Feedback_Table.pdf</loc>
<lastmod>2015-12-21</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/698795/Client_Authorisation_Smartform_Version_3_Consultation_Draft_Feedback_Table.pdf</loc>
<lastmod>2015-12-21</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/698796/NSW_Operating_Requirements_WaiverOR4-2015.pdf</loc>
<lastmod>2016-06-06</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/698797/Australian_Embassy_High_Commission_Consulate_Certification_Form.pdf</loc>
<lastmod>2016-05-23</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/698798/MPR-Guidance-Note2-Verification-of-Identity-Updated.pdf</loc>
<lastmod>2019-02-25</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0012/698799/WA_Operating_Requirements_Version_3.1.pdf</loc>
<lastmod>2016-01-28</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/698800/WA_Participation_Rules_Version_3.1.pdf</loc>
<lastmod>2016-01-28</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/regulation/operating_requirements_by_jurisdiction/south_australia</loc>
<lastmod>2021-02-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0005/698819/SA_Operating_Requirements_Version_3.pdf</loc>
<lastmod>2016-01-28</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/regulation/participation_rules_by_jurisdiction/sa_australia</loc>
<lastmod>2021-02-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/698838/SA_Participation_Rules_Version_3.pdf</loc>
<lastmod>2016-01-28</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/698839/WA_Operating_Requirements_Waiver_OR1-2016.pdf</loc>
<lastmod>2016-01-29</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/698840/WA_Participation_Rules_Waiver_PR1-2016.pdf</loc>
<lastmod>2016-01-29</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0012/698844/WA_Operating_Requirements_Waiver_OR2-2016.pdf</loc>
<lastmod>2016-03-03</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/698845/WA_Participation_Rules_Waiver_PR2-2016.pdf</loc>
<lastmod>2016-03-03</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0005/698846/Qld_Participation_Rules_Waiver_PR1-2016.pdf</loc>
<lastmod>2016-03-03</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/698847/Qld_Operating_Requirements_Waiver_OR1-2016.pdf</loc>
<lastmod>2016-03-03</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0005/698855/Vic_Participation_Rules_Waiver_PR2-2016.pdf</loc>
<lastmod>2018-10-08</lastmod>
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<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/698856/Vic_Operating_Requirements_Waiver_OR1-2016.pdf</loc>
<lastmod>2016-03-03</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/698857/Vic_Operating_Requirements_Waiver_OR2-2016.pdf</loc>
<lastmod>2016-03-03</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/698858/VIC_participation_rules_waiver_PR3-2015.pdf</loc>
<lastmod>2016-03-03</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/698859/Vic_Participation_Rules_Waiver_PR1-2016.pdf</loc>
<lastmod>2016-03-03</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/698863/ARNECC_Notice_to_Subscribers_2016-NS1.pdf</loc>
<lastmod>2016-03-30</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0005/698864/ARNECC_Notice_to_Subscribers_2016-NS2.pdf</loc>
<lastmod>2016-03-30</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/publications/guidance_queries</loc>
<lastmod>2021-02-24</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/regulation/intergovernmental_agreement</loc>
<lastmod>2021-02-24</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/regulation/participation_rule_waivers/south_australia</loc>
<lastmod>2021-02-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/698935/SA_Participation_Rules_Waiver_PR1-2016.pdf</loc>
<lastmod>2016-06-20</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/regulation/operating_requirement_waivers/south_australia</loc>
<lastmod>2021-02-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/698958/SA_Operating_Requirements_Waiver_OR1-2016.pdf</loc>
<lastmod>2016-06-20</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0012/698961/MPR-Guidance-Note6-Compliance-Examinations.pdf</loc>
<lastmod>2020-07-06</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/964057/WA_Participation_Rules_Waiver_PR3-2016.pdf</loc>
<lastmod>2017-01-11</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/964070/SA_Participation_Rules_Waiver_PR2-2016.pdf</loc>
<lastmod>2017-01-11</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/964078/QLD_Participation_Rules_Waiver_PR2-2016.pdf</loc>
<lastmod>2017-01-11</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/964087/VIC_Participation_Rules_Waiver_PR3-2016.pdf</loc>
<lastmod>2018-10-08</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/964109/NSW_Participation_Rules_Waiver_Non_ADI_ACL_holders_PR1-2016.pdf</loc>
<lastmod>2016-12-07</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/964120/NSW_Participation_Rules_Waiver_Non_ADI_ACL_holders_PR2-2016.pdf</loc>
<lastmod>2016-12-13</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0003/964146/VIC_Operating_Requirements_Waiver_OR3-2016.pdf</loc>
<lastmod>2017-01-11</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/964188/Model_Operating_Requirements_Version_4_Consultation_Draft_Marked_up.pdf</loc>
<lastmod>2018-03-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/964192/Model_Operating_Requirements_Version_4_Consultation_Draft_Clean.pdf</loc>
<lastmod>2018-03-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/964351/Model_Participation_Rules_Version_4_Consultation_Draft_Clean.pdf</loc>
<lastmod>2018-03-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/964357/Model_Participation_Rules_Version_4_Consultation_Draft_Marked_up.pdf</loc>
<lastmod>2018-03-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0011/964379/National_Mortgage_Form_Specification_Consultation_Feedback_Table.pdf</loc>
<lastmod>2016-12-07</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/964411/QLD_Participation_rules_Waiver_PR3-2016.pdf</loc>
<lastmod>2016-12-07</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/results</loc>
<lastmod>2016-12-13</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0005/983885/nmfs_v1_5_clean.pdf</loc>
<lastmod>2017-04-19</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0007/983887/nmfs_v1_5_tracked_changes_from_v1_3.pdf</loc>
<lastmod>2017-01-12</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/983889/nmfs_v1_5_tracked_changes_from_v1_0.pdf</loc>
<lastmod>2017-01-12</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/983898/nmfs_v1_3_clean.pdf</loc>
<lastmod>2017-01-12</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/983899/nmfs_v1_0_clean.pdf</loc>
<lastmod>2017-01-12</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0008/983906/flyer-act.pdf</loc>
<lastmod>2020-06-02</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/983907/flyer_nsw.pdf</loc>
<lastmod>2019-09-20</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/983908/flyer_nt.pdf</loc>
<lastmod>2016-12-20</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0004/983911/flyer_qld.pdf</loc>
<lastmod>2019-10-16</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0006/983913/flyer_sa.pdf</loc>
<lastmod>2016-12-20</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0009/983916/flyer_tas.pdf</loc>
<lastmod>2016-12-20</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/__data/assets/pdf_file/0010/983917/flyer_wa.pdf</loc>
<lastmod>2017-07-11</lastmod>
</url><url>
<loc>https://www.arnecc.gov.au/publications/national-mortgage</loc>
<lastmod>2021-02-24</lastmod>
</url></urlset>