Table of contents
The XML document has content outside of tags and it is defined by the schema that only elements are allowed.
Hello Mr. <to>Andersson</to>
How is your <system>Matrix</system> doing?
Sincerely Yours, <from>Agent Smith</from>
would produce this error. (It is possible to use XML in this way and even validate it by XML schemas by setting complextype attribute mixed="true" but bank materials do not allow this.)
You can add extra content to files by using comments. For example:
<!-- Here is an email -->
<to>email@example.com</to> <!-- email address here -->
<subject>Hello</subject> <!-- remember to use describing subject -->
Explanation of the error message given by the validator: