<?xml version="1.0" encoding="UTF-8" standalone="no"?><comprobanteRetencion id="comprobante" version="1.0.0"><infoTributaria><ambiente>2</ambiente><tipoEmision>1</tipoEmision><razonSocial>COOPERATIVA DE AHORROY CREDITO ANDINA LTDA</razonSocial><ruc>0591713094001</ruc><claveAcceso>1905202607059171309400120070010000009681234567816</claveAcceso><codDoc>07</codDoc><estab>007</estab><ptoEmi>001</ptoEmi><secuencial>000000968</secuencial><dirMatriz>AV. NAPO ENTRE LUIS FERNANDO VIVEROY GUAYAQUIL</dirMatriz></infoTributaria><infoCompRetencion><fechaEmision>19/05/2026</fechaEmision><dirEstablecimiento>AVENIDA CHONESN Y CALLEJONZ ESQUINA</dirEstablecimiento><contribuyenteEspecial>011</contribuyenteEspecial><obligadoContabilidad>SI</obligadoContabilidad><tipoIdentificacionSujetoRetenido>05</tipoIdentificacionSujetoRetenido><razonSocialSujetoRetenido>SABANDO MUOZ EMELY DAYANA</razonSocialSujetoRetenido><identificacionSujetoRetenido>1315518884</identificacionSujetoRetenido><periodoFiscal>05/2026</periodoFiscal></infoCompRetencion><impuestos><impuesto><codigo>1</codigo><codigoRetencion>323</codigoRetencion><baseImponible>16.33</baseImponible><porcentajeRetener>3.00</porcentajeRetener><valorRetenido>0.49</valorRetenido></impuesto></impuestos><infoAdicional><campoAdicional nombre="Direccion">CALLE MARISCAL SUCRE CALLEO URB BARRIO AURA LUZ EL CARMEN</campoAdicional><campoAdicional nombre="Telefono">0985397543</campoAdicional><campoAdicional nombre="Email">emelysabando55@gmail.com</campoAdicional></infoAdicional><ds:Signature xmlns:ds="http://www.w3.org/2000/09/xmldsig#" xmlns:etsi="http://uri.etsi.org/01903/v1.3.2#" Id="Signature981001">
<ds:SignedInfo Id="Signature-SignedInfo214381">
<ds:CanonicalizationMethod Algorithm="http://www.w3.org/TR/2001/REC-xml-c14n-20010315"/>
<ds:SignatureMethod Algorithm="http://www.w3.org/2000/09/xmldsig#rsa-sha1"/>
<ds:Reference Id="SignedPropertiesID821871" Type="http://uri.etsi.org/01903#SignedProperties" URI="#Signature981001-SignedProperties691939">
<ds:DigestMethod Algorithm="http://www.w3.org/2000/09/xmldsig#sha1"/>
<ds:DigestValue>vgFe9O150v1KOU9NDoj8qj8ZqNg=</ds:DigestValue>
</ds:Reference>
<ds:Reference URI="#Certificate1278983">
<ds:DigestMethod Algorithm="http://www.w3.org/2000/09/xmldsig#sha1"/>
<ds:DigestValue>IRTt9AF8AwgHw5K+WUSgyac9SEw=</ds:DigestValue>
</ds:Reference>
<ds:Reference Id="Reference-ID-847912" URI="#comprobante">
<ds:Transforms>
<ds:Transform Algorithm="http://www.w3.org/2000/09/xmldsig#enveloped-signature"/>
</ds:Transforms>
<ds:DigestMethod Algorithm="http://www.w3.org/2000/09/xmldsig#sha1"/>
<ds:DigestValue>ROGj9I8x30oRlIHJ7ytrizjllcU=</ds:DigestValue>
</ds:Reference>
</ds:SignedInfo>
<ds:SignatureValue Id="SignatureValue545509">
KABhCCiLbbm+ImXxsER9H4XCWIt5JtXB/R/N+mv4NUFxqwJrKv30co+mphAyCrDtZVePi0XXjbww
sx9JLIH5+V50VMMaOGgTuQsNHkk8kXw5kzrg4myxnFYFOIegg/Urhu1EmDk/oMFzdSSMyZ/1dkUW
7WLsNw5N/yAAFVboOKTBUyeQUw4HLfoT3IMrzYHMTUjTAfKm9ZjElBLjk0ExKuqckhA/gJbYseA/
Gzin+iFwBd0bLZwm4u8FKB6IWYSb/xHzTTxaOnWH29LCV80OvoSX3gWV9qdDYtWA/z9TO1ZZcG7S
8UowTOnc3OOHO+re0IT2qJbCpLmpbX1kBRTzbA==
</ds:SignatureValue>
<ds:KeyInfo Id="Certificate1278983">
<ds:X509Data>
<ds:X509Certificate>
MIIKGzCCCAOgAwIBAgIEZeWUzzANBgkqhkiG9w0BAQsFADCBoTELMAkGA1UEBhMCRUMxIjAgBgNV
BAoTGUJBTkNPIENFTlRSQUwgREVMIEVDVUFET1IxNzA1BgNVBAsTLkVOVElEQUQgREUgQ0VSVElG
SUNBQ0lPTiBERSBJTkZPUk1BQ0lPTi1FQ0lCQ0UxDjAMBgNVBAcTBVFVSVRPMSUwIwYDVQQDExxB
QyBCQU5DTyBDRU5UUkFMIERFTCBFQ1VBRE9SMB4XDTI1MDEyMjE1MzAwNVoXDTI3MDEyMjE2MDAw
NFowgbcxCzAJBgNVBAYTAkVDMSIwIAYDVQQKExlCQU5DTyBDRU5UUkFMIERFTCBFQ1VBRE9SMTcw
NQYDVQQLEy5FTlRJREFEIERFIENFUlRJRklDQUNJT04gREUgSU5GT1JNQUNJT04tRUNJQkNFMQ4w
DAYDVQQHEwVRVUlUTzE7MBEGA1UEBRMKMDAwMDM0ODIyODAmBgNVBAMTH0xJTElBIEFMRVhBTkRS
QSBDSEFOQ1VTSSBNT0xJTkEwggEiMA0GCSqGSIb3DQEBAQUAA4IBDwAwggEKAoIBAQDWhXMHlDO2
ncxHIyNM05P6ADi7VO5RVGMtd/e6lm66enhBN274CWtWWnRP9jOesPRnKna5/BtHYNKzEHt1iSS4
lYjvJKgoADoLTQXfaY822FOxqohKXDn5co/UElbmCaCXkgMwLd/s1BvZMlOEtCGbwpTMVW/605QX
8IWvuc4AW5qwnbKf6Fn0N/StdNwb+BTTnU2vkDx912dIY5moYmyo5CWCdxYxMhsyoyMTr9xMPtzb
07J288DfRHtClj25q+Z0AIVuQfP2yi78l+sEVOd+58Ih3t+ceYtZrFSDpQl7TsPoB9XB5hRrz/ga
4EzdrhpNXD6DJ0O9OWuOBjSKhG4fAgMBAAGjggVBMIIFPTALBgNVHQ8EBAMCB4AwZwYDVR0gBGAw
XjBcBgsrBgEEAYKoOwICATBNMEsGCCsGAQUFBwIBFj9odHRwOi8vd3d3LmVjaS5iY2UuZWMvcG9s
aXRpY2EtY2VydGlmaWNhZG8vcGVyc29uYS1qdXJpZGljYS5wZGYwgZEGCCsGAQUFBwEBBIGEMIGB
MD4GCCsGAQUFBzABhjJodHRwOi8vb2NzcC5lY2kuYmNlLmVjL2VqYmNhL3B1YmxpY3dlYi9zdGF0
dXMvb2NzcDA/BggrBgEFBQcwAYYzaHR0cDovL29jc3AxLmVjaS5iY2UuZWMvZWpiY2EvcHVibGlj
d2ViL3N0YXR1cy9vY3NwMDwGCisGAQQBgqg7AwoELhMsQ09PUEVSQVRJVkEgREUgQUhPUlJPIFkg
Q1JFRElUTyBBTkRJTkEgTFREQS4wHQYKKwYBBAGCqDsDCwQPEw0wNTkxNzEzMDk0MDAxMBoGCisG
AQQBgqg7AwEEDBMKMDUwMzI1MTg2MDAfBgorBgEEAYKoOwMCBBETD0xJTElBIEFMRVhBTkRSQTAY
BgorBgEEAYKoOwMDBAoTCENIQU5DVVNJMBYGCisGAQQBgqg7AwQECBMGTU9MSU5BMCAGCisGAQQB
gqg7AwUEEhMQQ09OVEFET1IgR0VORVJBTDAxBgorBgEEAYKoOwMHBCMTIUFOVE9OSU8gQk9SUkVS
TyBZIENMRU1FTlRFIFlFUk9WSTAZBgorBgEEAYKoOwMIBAsTCTAzMjgwMjEwMjAZBgorBgEEAYKo
OwMJBAsTCUxBVEFDVU5HQTAXBgorBgEEAYKoOwMMBAkTB0VDVUFET1IwIAYKKwYBBAGCqDsDMwQS
ExBTT0ZUV0FSRS1BUkNISVZPMCYGA1UdEQQfMB2BG2xjaGFuY3VzaUBjb29wYW5kaW5hLmZpbi5l
YzCCAeEGA1UdHwSCAdgwggHUMIIB0KCCAcygggHIhoHWbGRhcDovL2JjZXFsZGFwc3VicDEuYmNl
LmVjL2NuPUNSTDIxNTgsY249QUMlMjBCQU5DTyUyMENFTlRSQUwlMjBERUwlMjBFQ1VBRE9SLGw9
UVVJVE8sb3U9RU5USURBRCUyMERFJTIwQ0VSVElGSUNBQ0lPTiUyMERFJTIwSU5GT1JNQUNJT04t
RUNJQkNFLG89QkFOQ08lMjBDRU5UUkFMJTIwREVMJTIwRUNVQURPUixjPUVDP2NlcnRpZmljYXRl
UmV2b2NhdGlvbkxpc3Q/YmFzZYY0aHR0cDovL3d3dy5lY2kuYmNlLmVjL0NSTC9lY2lfYmNlX2Vj
X2NybGZpbGVjb21iLmNybKSBtjCBszELMAkGA1UEBhMCRUMxIjAgBgNVBAoTGUJBTkNPIENFTlRS
QUwgREVMIEVDVUFET1IxNzA1BgNVBAsTLkVOVElEQUQgREUgQ0VSVElGSUNBQ0lPTiBERSBJTkZP
Uk1BQ0lPTi1FQ0lCQ0UxDjAMBgNVBAcTBVFVSVRPMSUwIwYDVQQDExxBQyBCQU5DTyBDRU5UUkFM
IERFTCBFQ1VBRE9SMRAwDgYDVQQDEwdDUkwyMTU4MCsGA1UdEAQkMCKADzIwMjUwMTIyMTUzMDA1
WoEPMjAyNzAxMjIxNjAwMDRaMB8GA1UdIwQYMBaAFEii3yMfHfgsUXqMA81JMqUJwZSrMB0GA1Ud
DgQWBBSM5vMmIbCs8gVIhbYlMHD+ryorYzAJBgNVHRMEAjAAMBoGCSqGSIb2fQdBAAQNMAsbBVYx
MC4wAwIEMDANBgkqhkiG9w0BAQsFAAOCAgEAKARgBEEB5hl3dMZB5qs1Pj6j/WOgqbiEGQCYxleu
choaCuE8msmm8Ashn7csQdtAd4Bgs8Q2upiPRykzDkMw56m2kscfzMv5nBZbNu+P/4d/0+Of0v4b
D/3KFMpLBpVHq/5Pdeli9IcyMlAxqkFqZOngHz8HjuXgASmTtakNEh6g0fO/2PcQUHSVGjMC1gbp
iJkXLteJeHKSkkAVggeXQ/0vNgZOqFXa+MOfvHpROLOfHCPwsWb2BaEaPVqZhtzQ+VFMnvndToaX
S0LFZ7xeVduUvV4JzPUzDhWDiImLzAk4uxDyYOXCoAvXMDyfuFhJSrAoxUf1OU1DZWC/CJaV9eGX
mJrdiih2ROffvPVgrRUCQKSXNSxfEXiXlj1+eMmxxO2Feuw9sG5/ClamnHG4gSt2AXukDjQ6q6Am
F2ZPWxamQOMQ7xG3cb+/PRNZbkG/+Z5GnPxmsahcHM/dO7BIKeZCysXZfX4QEx9HcrYZ/VO+xQO4
WFklWUC36cQVVBTvpeCtRXDwMZwlI6H5hu8aBJOz6lCNLPcojrTfCvlomQ4UmdTisvpTl7bOzLjI
TMkYzkuYJQCv+ndu79SRkIJY9mRmsNhbBdEChnMFps2RkQdUVrMrU9XNc+rA53/VXULJLPtBkiYI
YQ/7L8sIzAC01/B0bXWGq1i58hgfr8iyqzc=
</ds:X509Certificate>
</ds:X509Data>
<ds:KeyValue>
<ds:RSAKeyValue>
<ds:Modulus>
1oVzB5Qztp3MRyMjTNOT+gA4u1TuUVRjLXf3upZuunp4QTdu+AlrVlp0T/YznrD0Zyp2ufwbR2DS
sxB7dYkkuJWI7ySoKAA6C00F32mPNthTsaqISlw5+XKP1BJW5gmgl5IDMC3f7NQb2TJThLQhm8KU
zFVv+tOUF/CFr7nOAFuasJ2yn+hZ9Df0rXTcG/gU051Nr5A8fddnSGOZqGJsqOQlgncWMTIbMqMj
E6/cTD7c29OydvPA30R7QpY9uavmdACFbkHz9sou/JfrBFTnfufCId7fnHmLWaxUg6UJe07D6AfV
weYUa8/4GuBM3a4aTVw+gydDvTlrjgY0ioRuHw==
</ds:Modulus>
<ds:Exponent>AQAB</ds:Exponent>
</ds:RSAKeyValue>
</ds:KeyValue>
</ds:KeyInfo>
<ds:Object Id="Signature981001-Object93537"><etsi:QualifyingProperties Target="#Signature981001"><etsi:SignedProperties Id="Signature981001-SignedProperties691939"><etsi:SignedSignatureProperties><etsi:SigningTime>2026-05-19T11:55:07-05:00</etsi:SigningTime><etsi:SigningCertificate><etsi:Cert><etsi:CertDigest><ds:DigestMethod Algorithm="http://www.w3.org/2000/09/xmldsig#sha1"/><ds:DigestValue>Av18boSMZKo1m+aNFs5S6ApB+Bw=</ds:DigestValue></etsi:CertDigest><etsi:IssuerSerial><ds:X509IssuerName>CN=AC BANCO CENTRAL DEL ECUADOR,L=QUITO,OU=ENTIDAD DE CERTIFICACION DE INFORMACION-ECIBCE,O=BANCO CENTRAL DEL ECUADOR,C=EC</ds:X509IssuerName><ds:X509SerialNumber>1709544655</ds:X509SerialNumber></etsi:IssuerSerial></etsi:Cert></etsi:SigningCertificate></etsi:SignedSignatureProperties><etsi:SignedDataObjectProperties><etsi:DataObjectFormat ObjectReference="#Reference-ID-847912"><etsi:Description>contenido comprobante</etsi:Description><etsi:MimeType>text/xml</etsi:MimeType></etsi:DataObjectFormat></etsi:SignedDataObjectProperties></etsi:SignedProperties></etsi:QualifyingProperties></ds:Object></ds:Signature></comprobanteRetencion>