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  <!-- English URLs -->
  <url>
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    <xhtml:link rel="alternate" hreflang="en" href="https://smarter-loan.com/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smarter-loan.com/es/"/>
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  <!-- Spanish URLs -->
  <url>
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    <xhtml:link rel="alternate" hreflang="en" href="https://smarter-loan.com/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smarter-loan.com/es/"/>
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    <xhtml:link rel="alternate" hreflang="es" href="https://smarter-loan.com/es/about"/>
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    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Polish URLs -->
  <url>
    <loc>https://smarter-loan.com/pl/</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://smarter-loan.com/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://smarter-loan.com/es/"/>
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    <changefreq>monthly</changefreq>
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