Why doesn't XRCS_serializeDocumentToFileWithEncoding_putDoubleQuotes encoding apostrophe's (') to &a

I are taking address book records and creating an XML document to integrate with 3rd party's.  It looks like Xerces (XRCS) will correctly encode ampersands (&) to &

Example:

F0101.alph = "Joe Armstrong Garage & Service Center" -> <alphaName>Joe Armstrong Garage &amp; Service Center</alphaName>

But when I have a name with an apostrophe it will not get encoded.

F0101.alph = "Bill's Mechanical Services" -> <alphaName>Bill's Mechanical Services</alphaName>

I believe this is part of the XML standard [1][2], is there a way to get this to occur?  I am using functions found in BSFN B0000201.c

[1] https://en.wikipedia.org/wiki/List_of_XML_and_HTML_character_entity_references#Predefined_entities_in_XML