diff --git a/changelog.adoc b/changelog.adoc
index 895da3c87..4099db9b6 100644
--- a/changelog.adoc
+++ b/changelog.adoc
@@ -27,7 +27,8 @@
 * Choice dialog is not localized for some locales.  Replace with an equivalent or submit upstream patch
 
 == Release 2.36.2
-* 02/10/2019 Update to the latest Hibernate, Netty, and HikariCP dependencies
+* 02/10/2019 Prevent an exception when importing odd OFX files using an XML declaration. (GitHub Issue #72)
+* 02/10/2019 Update to the latest Hibernate, Netty, and HikariCP dependencies.  This improves compatibility with Java 9+.
 * 01/14/2019 jGnash would not start on a early access version of Java 8 (Swing, Fx, GitHub Issue #71)
 * 01/11/2019 Corrected an exception when the date picker was cleared and focus was lost (Fx, GitHub PR #70) _[pchurzin]_
 * 12/24/2018 Updated Polish translation (Swing, Fx) _[Sławomir Szarkowicz]_
diff --git a/jgnash-convert/src/main/java/jgnash/convert/importat/ofx/Sanitize.java b/jgnash-convert/src/main/java/jgnash/convert/importat/ofx/Sanitize.java
index 75f3cd74e..816e21eb6 100644
--- a/jgnash-convert/src/main/java/jgnash/convert/importat/ofx/Sanitize.java
+++ b/jgnash-convert/src/main/java/jgnash/convert/importat/ofx/Sanitize.java
@@ -19,6 +19,8 @@
 
 /**
  * Utility class for handling OFX files with invalid characters
+ *
+ * @author Craig Cavanaugh
  */
 class Sanitize {
 
@@ -36,6 +38,9 @@ private Sanitize() {
     static String sanitize(final String xml) {
         String ugly = xml;
 
+        // remove all XML declarations as they are not needed
+        ugly = ugly.replaceAll("<\\?xml.*\\?>", "");
+
         ugly = ugly.replaceAll("&(?!(?:amp);)", "&amp;");
         ugly = ugly.replaceAll("\"", "&quot;");
         ugly = ugly.replaceAll("'", "&apos;");
diff --git a/jgnash-convert/src/test/java/jgnash/convert/importat/ofx/Ofx2Test.java b/jgnash-convert/src/test/java/jgnash/convert/importat/ofx/Ofx2Test.java
index c3282a6ce..34f345ed2 100644
--- a/jgnash-convert/src/test/java/jgnash/convert/importat/ofx/Ofx2Test.java
+++ b/jgnash-convert/src/test/java/jgnash/convert/importat/ofx/Ofx2Test.java
@@ -477,6 +477,43 @@ void parse401k() {
         }
     }
 
+    @Test
+    void parse401kWithHeader() {
+        final String testFile = "/401k-header.xml";
+
+        final URL url = Ofx2Test.class.getResource(testFile);
+
+        try {
+            assertTrue(FileMagic.isOfxV2(Paths.get(url.toURI())));
+
+            try (final InputStream stream = Ofx2Test.class.getResourceAsStream(testFile)) {
+                parser.parse(stream);
+
+                OfxBank ofxBank = parser.getBank();
+
+                assertEquals("ENG", parser.getLanguage());
+                assertEquals("INFO", parser.getStatusSeverity());
+                assertEquals(0, parser.getStatusCode());
+
+                assertEquals(0, ofxBank.statusCode);
+                assertEquals("INFO", ofxBank.statusSeverity);
+                assertNull(ofxBank.statusMessage);
+
+                assertEquals(3, ofxBank.getTransactions().size());
+                assertEquals(3, ofxBank.getSecurityList().size());
+
+
+                assertTrue(ofxBank.isInvestmentAccount());
+            } catch (final IOException e) {
+                logSevere(Ofx2Test.class, e);
+                fail();
+            }
+        } catch (final URISyntaxException e) {
+            logSevere(Ofx2Test.class, e);
+            fail();
+        }
+    }
+
     @Test
     void parseInvest2() {
         final String testFile = "/invest2.xml";
diff --git a/jgnash-convert/src/test/resources/401k-header.xml b/jgnash-convert/src/test/resources/401k-header.xml
new file mode 100644
index 000000000..a3affd008
--- /dev/null
+++ b/jgnash-convert/src/test/resources/401k-header.xml
@@ -0,0 +1,233 @@
+<?xml version="1.0" encoding="utf-8" ?>
+<OFX>   <!-- Example Investment Account taken from the 2.2 Public Draft 3 OFX specification -->
+    <SIGNONMSGSRSV1>
+        <SONRS>                                                         <!-- Begin signon -->
+            <STATUS>                                                    <!-- Begin status aggregate -->
+                <CODE>0</CODE>                                          <!-- OK -->
+                <SEVERITY>INFO</SEVERITY>
+            </STATUS>
+            <DTSERVER>20060131172532</DTSERVER>
+            <LANGUAGE>ENG</LANGUAGE>                                    <!-- Language used in response -->
+            <DTPROFUP>20060131172532</DTPROFUP>                         <!-- Last update to profile-->
+            <DTACCTUP>20060131172532</DTACCTUP>                         <!-- Last account update -->
+            <FI>                                                        <!-- ID of receiving institution -->
+                <ORG>NCH</ORG>                                          <!-- Name of ID owner -->
+                <FID>1001</FID>                                         <!-- Actual ID -->
+            </FI>
+        </SONRS>
+    </SIGNONMSGSRSV1>
+    <INVSTMTMSGSRSV1>
+        <INVSTMTTRNRS>                                                  <!--First request in file-->
+            <TRNUID>1002</TRNUID>                                       <!--Client ID for this request-->
+            <STATUS>
+                <CODE>0</CODE>                                           <!--0 = accepted, good data follows-->
+                <SEVERITY>INFO</SEVERITY>
+            </STATUS>
+            <INVSTMTRS>                                                 <!--Beginning of statement download-->
+                <DTASOF>20060131172605.000[-4:EST]</DTASOF>            <!--Statement as of Jan 31, 2006 5:26pm-->
+                <CURDEF>USD</CURDEF>                                    <!--Default currency is US Dollar-->
+                <INVACCTFROM>                                           <!--Beginning of account information-->
+                    <BROKERID>121099999</BROKERID>                      <!--FI ID-->
+                    <ACCTID>999988</ACCTID>                             <!--Account number-->
+                </INVACCTFROM>                                          <!--End of account information-->
+                <INVTRANLIST>
+                    <DTSTART>20060105172532.000[-5:EST]</DTSTART>
+                    <DTEND>20060131172532.000[-4:EST]</DTEND>
+                    <BUYMF>
+                        <INVBUY>
+                            <INVTRAN>
+                                <FITID>212839062820295310723</FITID>
+                                <DTTRADE>20060119000000.000[-5:EST]</DTTRADE>
+                            </INVTRAN>
+                            <SECID>
+                                <UNIQUEID>744316100</UNIQUEID>
+                                <UNIQUEIDTYPE>CUSIP</UNIQUEIDTYPE>
+                            </SECID>
+                            <UNITS>14.6860</UNITS>
+                            <UNITPRICE>18.9000</UNITPRICE>
+                            <TOTAL>-277.5700</TOTAL>
+                            <CURRENCY>
+                                <CURRATE>1.0000</CURRATE>
+                                <CURSYM>USD</CURSYM>
+                            </CURRENCY>
+                            <SUBACCTSEC>OTHER</SUBACCTSEC>
+                            <SUBACCTFUND>OTHER</SUBACCTFUND>
+                            <LOANID>2</LOANID>
+                            <LOANPRINCIPAL>277.5700</LOANPRINCIPAL>
+                            <LOANINTEREST>0.0000</LOANINTEREST>
+                            <INV401KSOURCE>ROLLOVER</INV401KSOURCE>
+                            <DTPAYROLL>20060114000000.000[-5:EST]</DTPAYROLL>
+                            <PRIORYEARCONTRIB>N</PRIORYEARCONTRIB>
+                        </INVBUY>
+                        <BUYTYPE>BUY</BUYTYPE>
+                    </BUYMF>
+                    <BUYMF>
+                        <INVBUY>
+                            <INVTRAN>
+                                <FITID>212839062820510822977</FITID>
+                                <DTTRADE>20060119000000.000[-5:EST]</DTTRADE>
+                            </INVTRAN>
+                            <SECID>
+                                <UNIQUEID>744316100</UNIQUEID>
+                                <UNIQUEIDTYPE>CUSIP</UNIQUEIDTYPE>
+                            </SECID>
+                            <UNITS>2.0220</UNITS>
+                            <UNITPRICE>18.9000</UNITPRICE>
+                            <TOTAL>-38.2200</TOTAL>
+                            <CURRENCY>
+                                <CURRATE>1.0000</CURRATE>
+                                <CURSYM>USD</CURSYM>
+                            </CURRENCY>
+                            <SUBACCTSEC>OTHER</SUBACCTSEC>
+                            <SUBACCTFUND>OTHER</SUBACCTFUND>
+                            <LOANID>2</LOANID>
+                            <LOANPRINCIPAL>0.0000</LOANPRINCIPAL>
+                            <LOANINTEREST>38.2200</LOANINTEREST>
+                            <INV401KSOURCE>ROLLOVER</INV401KSOURCE>
+                            <DTPAYROLL>20060114000000.000[-5:EST]</DTPAYROLL>
+                            <PRIORYEARCONTRIB>N</PRIORYEARCONTRIB>
+                        </INVBUY>
+                        <BUYTYPE>BUY</BUYTYPE>
+                    </BUYMF>
+                    <BUYMF>
+                        <INVBUY>
+                            <INVTRAN>
+                                <FITID>212849815151950488609</FITID>
+                                <DTTRADE>20060106000000.000[-5:EST]</DTTRADE>
+                            </INVTRAN>
+                            <SECID>
+                                <UNIQUEID>744316100</UNIQUEID>
+                                <UNIQUEIDTYPE>CUSIP</UNIQUEIDTYPE>
+                            </SECID>
+                            <UNITS>4.9010</UNITS>
+                            <UNITPRICE>18.7900</UNITPRICE>
+                            <TOTAL>-92.0900</TOTAL>
+                            <CURRENCY>
+                                <CURRATE>1.0000</CURRATE>
+                                <CURSYM>USD</CURSYM>
+                            </CURRENCY>
+                            <SUBACCTSEC>OTHER</SUBACCTSEC>
+                            <SUBACCTFUND>OTHER</SUBACCTFUND>
+                            <INV401KSOURCE>PRETAX</INV401KSOURCE>
+                            <DTPAYROLL>20051231000000.000[-5:EST]</DTPAYROLL>
+                            <PRIORYEARCONTRIB>Y</PRIORYEARCONTRIB>
+                        </INVBUY>
+                        <BUYTYPE>BUY</BUYTYPE>
+                    </BUYMF>
+                </INVTRANLIST>
+                <INV401KBAL>
+                    <PRETAX>31690.340000</PRETAX>
+                    <PROFITSHARING>10725.640000</PROFITSHARING>
+                    <ROLLOVER>15945.750000</ROLLOVER>
+                    <OTHERVEST>108.800000</OTHERVEST>
+                    <TOTAL>58470.530000</TOTAL>
+                </INV401KBAL>
+                <INV401K>
+                    <EMPLOYERNAME>ELGIN NATIONAL INDUSTRIES INC</EMPLOYERNAME>
+                    <PLANID>4343</PLANID>
+                    <PLANJOINDATE>19940101000000.000[-5:EST]</PLANJOINDATE>
+                    <MATCHINFO>
+                        <MATCHPCT>0.00</MATCHPCT>
+                    </MATCHINFO>
+                    <CONTRIBINFO>
+                        <CONTRIBSECURITY>
+                            <SECID>
+                                <UNIQUEID>744316100</UNIQUEID>
+                                <UNIQUEIDTYPE>CUSIP</UNIQUEIDTYPE>
+                            </SECID>
+                            <PRETAXCONTRIBPCT>50.0000</PRETAXCONTRIBPCT>
+                            <PROFITSHARINGCONTRIBPCT>100.0000
+                            </PROFITSHARINGCONTRIBPCT>
+                            <ROLLOVERCONTRIBPCT>100.0000</ROLLOVERCONTRIBPCT>
+                            <OTHERVESTPCT>100.0000</OTHERVESTPCT>
+                        </CONTRIBSECURITY>
+                        <CONTRIBSECURITY>
+                            <SECID>
+                                <UNIQUEID>74431M105</UNIQUEID>
+                                <UNIQUEIDTYPE>CUSIP</UNIQUEIDTYPE>
+                            </SECID>
+                            <PRETAXCONTRIBPCT>25.0000</PRETAXCONTRIBPCT>
+                            <PROFITSHARINGCONTRIBPCT>0.0000
+                            </PROFITSHARINGCONTRIBPCT>
+                            <ROLLOVERCONTRIBPCT>0.0000</ROLLOVERCONTRIBPCT>
+                            <OTHERVESTPCT>0.0000</OTHERVESTPCT>
+                        </CONTRIBSECURITY>
+                        <CONTRIBSECURITY>
+                            <SECID>
+                                <UNIQUEID>743969107</UNIQUEID>
+                                <UNIQUEIDTYPE>CUSIP</UNIQUEIDTYPE>
+                            </SECID>
+                            <PRETAXCONTRIBPCT>25.0000</PRETAXCONTRIBPCT>
+                            <PROFITSHARINGCONTRIBPCT>0.0000
+                            </PROFITSHARINGCONTRIBPCT>
+                            <ROLLOVERCONTRIBPCT>0.0000</ROLLOVERCONTRIBPCT>
+                            <OTHERVESTPCT>0.0000</OTHERVESTPCT>
+                        </CONTRIBSECURITY>
+                    </CONTRIBINFO>
+                    <INV401KSUMMARY>
+                        <YEARTODATE>
+                            <DTSTART>20060101000000</DTSTART>
+                            <DTEND>20060131000000</DTEND>
+                            <CONTRIBUTIONS>
+                                <PRETAX>843.2500</PRETAX>
+                                <AFTERTAX>43.4200</AFTERTAX>
+                                <MATCH>421.6200</MATCH>
+                                <TOTAL>1308.2900</TOTAL>
+                            </CONTRIBUTIONS>
+                        </YEARTODATE>
+                    </INV401KSUMMARY>
+                </INV401K>
+            </INVSTMTRS>
+        </INVSTMTTRNRS>
+    </INVSTMTMSGSRSV1>
+    <SECLISTMSGSRSV1>
+        <SECLIST>                                                       <!--Beginning of securities list-->
+            <STOCKINFO>                                                 <!--Beginning of 1st security ID-->
+                <SECINFO>
+                    <SECID>                                             <!--Security ID-->
+                        <UNIQUEID>123456789</UNIQUEID>                  <!--CUSIP for the stock -->
+                        <UNIQUEIDTYPE>CUSIP</UNIQUEIDTYPE>
+                    </SECID>
+                    <SECNAME>Acme Development, Inc.</SECNAME>
+                    <TICKER>ACME</TICKER>                               <!--Ticker symbol-->
+                    <FIID>1024</FIID>                                   <!--FI internal security identifier-->
+                </SECINFO>
+                <YIELD>10</YIELD>                                       <!--10% yield-->
+                <ASSETCLASS>SMALLSTOCK</ASSETCLASS>                     <!--Small Capital Stock asset class-->
+            </STOCKINFO>                                                <!--End of security ID-->
+            <STOCKINFO>
+                <SECINFO>
+                    <SECID>                                             <!--Security ID-->
+                        <UNIQUEID>666678578</UNIQUEID>                  <!--CUSIP for the stock -->
+                        <UNIQUEIDTYPE>CUSIP</UNIQUEIDTYPE>
+                    </SECID>
+                    <SECNAME>Hackson Unlimited, Inc.</SECNAME>
+                    <TICKER>HACK</TICKER>                               <!--Ticker symbol-->
+                    <FIID>1027</FIID>                                   <!--FI internal security identifier-->
+                </SECINFO>
+                <YIELD>17</YIELD>                                       <!--17% yield-->
+                <ASSETCLASS>SMALLSTOCK</ASSETCLASS>                     <!--Small Capital Stock asset class-->
+            </STOCKINFO>
+            <OPTINFO>
+                <SECINFO>
+                    <SECID>                                             <!--Security ID-->
+                        <UNIQUEID>000342222</UNIQUEID>                  <!--CUSIP for the option -->
+                        <UNIQUEIDTYPE>CUSIP</UNIQUEIDTYPE>
+                    </SECID>                                            <!--End of security ID-->
+                    <SECNAME>Lucky Airlines Jan 97 Put</SECNAME>
+                    <TICKER>LUAXX</TICKER>                              <!--Ticker symbol-->
+                    <FIID>0013</FIID>                                   <!--FI internal security identifier-->
+                </SECINFO>
+                <OPTTYPE>PUT</OPTTYPE>
+                <STRIKEPRICE>35.00</STRIKEPRICE>                        <!--Strike price $35/share-->
+                <DTEXPIRE>20050121</DTEXPIRE>                           <!--Option expires Jan 21, 2005-->
+                <SHPERCTRCT>100</SHPERCTRCT>                            <!--100 shares per contract-->
+                <SECID>                                                 <!--Security ID-->
+                    <UNIQUEID>000342200</UNIQUEID>                      <!--CUSIP for the underlying stock -->
+                    <UNIQUEIDTYPE>CUSIP</UNIQUEIDTYPE>
+                </SECID>
+                <ASSETCLASS>LARGESTOCK</ASSETCLASS>                     <!--Large Capital Stock asset class-->
+            </OPTINFO>                                                  <!--End of option information-->
+        </SECLIST>                                                      <!--End of securities list-->
+    </SECLISTMSGSRSV1>
+</OFX>
\ No newline at end of file