Banking

That's a lot of text to read!

The likely key to the issue is at the beginning of the message:

The error, "Access to the path [filename] is denied", usually means that you don't have rights to the folder and/or the file. You're likely lacking rights to read/edit the file.

If you go to the location in the message and attempt to open the .XML file, do you get an error?  Open it in an application that will open the file for editing, like notepad or word or similar. That should trigger an error if you don't have rights.