<?xml version="1.0" encoding="UTF-8"?>
<!--
  Every public page, at the one address it should be found at (the apex,
  https, no www). Update <lastmod> when a page's content changes, not on
  every deploy: Google uses it only when it is consistently accurate.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://virtubank.ca/</loc>
    <lastmod>2026-10-31</lastmod>
  </url>
  <url>
    <loc>https://virtubank.ca/scenarios.html</loc>
    <lastmod>2026-10-31</lastmod>
  </url>
  <url>
    <loc>https://virtubank.ca/app</loc>
    <lastmod>2026-10-31</lastmod>
  </url>
  <url>
    <loc>https://virtubank.ca/terms.html</loc>
    <lastmod>2026-10-31</lastmod>
  </url>
  <url>
    <loc>https://virtubank.ca/privacy.html</loc>
    <lastmod>2026-10-31</lastmod>
  </url>
  <url>
    <loc>https://virtubank.ca/delete-account.html</loc>
    <lastmod>2026-10-31</lastmod>
  </url>
</urlset>
