<?xml version="1.0" encoding="UTF-8"?>
<PMML xmlns="http://www.dmg.org/PMML-4_4" version="4.4.1">
    <Header copyright="Copyright (c) 2021 Software AG" description="Default description">
        <Application name="Nyoka" version="5.5.0"/>
        <Timestamp>2026-10-21 16:01:29.557444</Timestamp>
    </Header>
    <DataDictionary numberOfFields="49">
        <DataField name="due_day_my" optype="continuous" dataType="double"/>
        <DataField name="f_ps_od_days_max" optype="continuous" dataType="double"/>
        <DataField name="suc_apprv_num_m1" optype="continuous" dataType="double"/>
        <DataField name="apprv_amt_day" optype="continuous" dataType="double"/>
        <DataField name="t_ps_od_days_max" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_used_amt_m_min" optype="continuous" dataType="double"/>
        <DataField name="cre_l60_used_limit_rate_min" optype="continuous" dataType="double"/>
        <DataField name="s_ps_od_days_max" optype="continuous" dataType="double"/>
        <DataField name="cre_l90_used_limit_amt_min" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_credit_amount_m3" optype="continuous" dataType="double"/>
        <DataField name="apprv_num_m1" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_limit_left_d_max" optype="continuous" dataType="double"/>
        <DataField name="available_limit_amt" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_credit_amount_m6" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l30_used_amt_d_min" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_credit_amount_m12" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_used_amt_d_min" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_gt0_m3_num_pc" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l90_limit_left_d_min" optype="continuous" dataType="double"/>
        <DataField name="useratemore50maxcontimonsm12" optype="continuous" dataType="double"/>
        <DataField name="cre_now_p1m_used_rate_m" optype="continuous" dataType="double"/>
        <DataField name="ps_int_amt_sum" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_used_amt_m_max" optype="continuous" dataType="double"/>
        <DataField name="cre_l30_l90_used_amt_m_min" optype="continuous" dataType="double"/>
        <DataField name="avg_tnr" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l30_limit_left_d_min" optype="continuous" dataType="double"/>
        <DataField name="max_loan_os_prcp_m12" optype="continuous" dataType="double"/>
        <DataField name="suc_apprv_num_m6" optype="continuous" dataType="double"/>
        <DataField name="useratemore70monthsubcurmonth" optype="continuous" dataType="double"/>
        <DataField name="setl_rem_prcp_paym_m3_num" optype="continuous" dataType="double"/>
        <DataField name="orig_prcp_avg_m12" optype="continuous" dataType="double"/>
        <DataField name="useratemore70_m6_num" optype="continuous" dataType="double"/>
        <DataField name="shd_pre_repay_amt_rate" optype="continuous" dataType="double"/>
        <DataField name="repay_amount_m6_all_shd_amt_pc" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l30_used_amt_d_max" optype="continuous" dataType="double"/>
        <DataField name="ps_int_amt_avg" optype="continuous" dataType="double"/>
        <DataField name="useratemore90maxcontimonsm12" optype="continuous" dataType="double"/>
        <DataField name="repay_amount_all_shd_amt_pc" optype="continuous" dataType="double"/>
        <DataField name="min_apply_amt" optype="continuous" dataType="double"/>
        <DataField name="useratemore90_m3_num" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_usedrate_m_max" optype="continuous" dataType="double"/>
        <DataField name="min_tnr" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_gt0_m12_num_pc" optype="continuous" dataType="double"/>
        <DataField name="grade_limit_amount" optype="continuous" dataType="double"/>
        <DataField name="end_loan_to_rep_loan_freq" optype="continuous" dataType="double"/>
        <DataField name="shd_pre_repay_cnt" optype="continuous" dataType="double"/>
        <DataField name="last_clear_num_m1" optype="continuous" dataType="double"/>
        <DataField name="setl_rem_prcp_paym_last_month_lo" optype="continuous" dataType="double"/>
        <DataField name="target" optype="categorical" dataType="integer">
            <Value value="0"/>
            <Value value="1"/>
        </DataField>
    </DataDictionary>
    <MiningModel modelName="LightGBModel" functionName="classification">
        <MiningSchema>
            <MiningField name="due_day_my" usageType="active" optype="continuous"/>
            <MiningField name="f_ps_od_days_max" usageType="active" optype="continuous"/>
            <MiningField name="suc_apprv_num_m1" usageType="active" optype="continuous"/>
            <MiningField name="apprv_amt_day" usageType="active" optype="continuous"/>
            <MiningField name="t_ps_od_days_max" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_used_amt_m_min" usageType="active" optype="continuous"/>
            <MiningField name="cre_l60_used_limit_rate_min" usageType="active" optype="continuous"/>
            <MiningField name="s_ps_od_days_max" usageType="active" optype="continuous"/>
            <MiningField name="cre_l90_used_limit_amt_min" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active" optype="continuous"/>
            <MiningField name="apprv_num_m1" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_limit_left_d_max" usageType="active" optype="continuous"/>
            <MiningField name="available_limit_amt" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l30_used_amt_d_min" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_used_amt_d_min" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l90_limit_left_d_min" usageType="active" optype="continuous"/>
            <MiningField name="useratemore50maxcontimonsm12" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_p1m_used_rate_m" usageType="active" optype="continuous"/>
            <MiningField name="ps_int_amt_sum" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_used_amt_m_max" usageType="active" optype="continuous"/>
            <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active" optype="continuous"/>
            <MiningField name="avg_tnr" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l30_limit_left_d_min" usageType="active" optype="continuous"/>
            <MiningField name="max_loan_os_prcp_m12" usageType="active" optype="continuous"/>
            <MiningField name="suc_apprv_num_m6" usageType="active" optype="continuous"/>
            <MiningField name="useratemore70monthsubcurmonth" usageType="active" optype="continuous"/>
            <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active" optype="continuous"/>
            <MiningField name="orig_prcp_avg_m12" usageType="active" optype="continuous"/>
            <MiningField name="useratemore70_m6_num" usageType="active" optype="continuous"/>
            <MiningField name="shd_pre_repay_amt_rate" usageType="active" optype="continuous"/>
            <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l30_used_amt_d_max" usageType="active" optype="continuous"/>
            <MiningField name="ps_int_amt_avg" usageType="active" optype="continuous"/>
            <MiningField name="useratemore90maxcontimonsm12" usageType="active" optype="continuous"/>
            <MiningField name="repay_amount_all_shd_amt_pc" usageType="active" optype="continuous"/>
            <MiningField name="min_apply_amt" usageType="active" optype="continuous"/>
            <MiningField name="useratemore90_m3_num" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_usedrate_m_max" usageType="active" optype="continuous"/>
            <MiningField name="min_tnr" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active" optype="continuous"/>
            <MiningField name="grade_limit_amount" usageType="active" optype="continuous"/>
            <MiningField name="end_loan_to_rep_loan_freq" usageType="active" optype="continuous"/>
            <MiningField name="shd_pre_repay_cnt" usageType="active" optype="continuous"/>
            <MiningField name="last_clear_num_m1" usageType="active" optype="continuous"/>
            <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active" optype="continuous"/>
            <MiningField name="target" usageType="target" optype="categorical"/>
        </MiningSchema>
        <Output>
            <OutputField name="probability_0" optype="continuous" dataType="double" feature="probability" value="0"/>
            <OutputField name="probability_1" optype="continuous" dataType="double" feature="probability" value="1"/>
            <OutputField name="predicted_target" optype="categorical" dataType="integer" feature="predictedValue"/>
        </Output>
        <Segmentation multipleModelMethod="modelChain" missingThreshold="1">
            <Segment id="1" weight="1">
                <True/>
                <MiningModel modelName="MiningModel" functionName="regression">
                    <MiningSchema>
                        <MiningField name="due_day_my" usageType="active"/>
                        <MiningField name="f_ps_od_days_max" usageType="active"/>
                        <MiningField name="suc_apprv_num_m1" usageType="active"/>
                        <MiningField name="apprv_amt_day" usageType="active"/>
                        <MiningField name="t_ps_od_days_max" usageType="active"/>
                        <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                        <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                        <MiningField name="s_ps_od_days_max" usageType="active"/>
                        <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                        <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                        <MiningField name="apprv_num_m1" usageType="active"/>
                        <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                        <MiningField name="available_limit_amt" usageType="active"/>
                        <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                        <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                        <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                        <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                        <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                        <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                        <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                        <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                        <MiningField name="ps_int_amt_sum" usageType="active"/>
                        <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                        <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                        <MiningField name="avg_tnr" usageType="active"/>
                        <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                        <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                        <MiningField name="suc_apprv_num_m6" usageType="active"/>
                        <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                        <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                        <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                        <MiningField name="useratemore70_m6_num" usageType="active"/>
                        <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                        <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                        <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                        <MiningField name="ps_int_amt_avg" usageType="active"/>
                        <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                        <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                        <MiningField name="min_apply_amt" usageType="active"/>
                        <MiningField name="useratemore90_m3_num" usageType="active"/>
                        <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                        <MiningField name="min_tnr" usageType="active"/>
                        <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                        <MiningField name="grade_limit_amount" usageType="active"/>
                        <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                        <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                        <MiningField name="last_clear_num_m1" usageType="active"/>
                        <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                    </MiningSchema>
                    <Output>
                        <OutputField name="lgbValue" optype="continuous" dataType="double" feature="predictedValue"/>
                    </Output>
                    <Segmentation multipleModelMethod="sum" missingThreshold="1">
                        <Segment id="1" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-2.4603079612308836">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="-1.8046410008384424">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="2" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="696.9600000000001501"/>
                                            <Node>
                                                <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="124.2750000000000199"/>
                                                <Node>
                                                    <SimplePredicate field="orig_prcp_avg_m12" operator="lessOrEqual" value="1987.6428500000001804"/>
                                                    <Node score="-0.044970618677362274">
                                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="71.6600000000000108"/>
                                                    </Node>
                                                    <Node score="-0.013975544247434328">
                                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="71.6600000000000108"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="1987.6428500000001804"/>
                                                    <Node score="0.029532002422393455">
                                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="2150.0000000000004547"/>
                                                    </Node>
                                                    <Node score="-0.02083319774925168">
                                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="2150.0000000000004547"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="124.2750000000000199"/>
                                                <Node>
                                                    <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="83.3850000000000051"/>
                                                    <Node score="0.08661985643783027">
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                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.05422599538084504">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.340872177910691">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="5" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.05399909553870938">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.25719643073417625">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="6" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.05378609453781205">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.21032702558936137">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="7" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.05358526628369972">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.1798706309130197">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="8" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.053395244211653925">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.1586400521722306">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="9" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
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                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                                    <Node score="0.025923941434782927">
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                                                    <Node score="0.0043835913943545924">
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                                                    <Node score="0.02583106166190229">
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                                                    <Node score="-0.008432004338872869">
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                                                    <Node score="0.041844412158626165">
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                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                            <Node>
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                                <Node>
                                                    <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="0.3076000000000000"/>
                                                    <Node score="-0.018306835653361414">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="136.9950000000000330"/>
                                                    </Node>
                                                    <Node score="0.024722222507022468">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="136.9950000000000330"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="0.3076000000000000"/>
                                                    <Node score="0.022065578276279016">
                                                        <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="179500.0000000000291038"/>
                                                    </Node>
                                                    <Node score="-0.005704182600307765">
                                                        <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="179500.0000000000291038"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7215500000000001"/>
                                                    <Node score="-0.03128122961901408">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="72.0150000000000148"/>
                                                    </Node>
                                                    <Node score="-0.016615613268005824">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="72.0150000000000148"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7215500000000001"/>
                                                    <Node score="0.0022414590199294547">
                                                        <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="92500.0000000000145519"/>
                                                    </Node>
                                                    <Node score="-0.016429477823503166">
                                                        <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="92500.0000000000145519"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                            <Node>
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="55.6550000000000082"/>
                                                <Node score="-0.02297406082485865">
                                                    <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="87500.0000000000145519"/>
                                                </Node>
                                                <Node score="-0.046041119874368513">
                                                    <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="87500.0000000000145519"/>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="55.6550000000000082"/>
                                                <Node>
                                                    <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="99.9650000000000176"/>
                                                    <Node score="-0.03118642845569247">
                                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                                    </Node>
                                                    <Node score="0">
                                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="99.9650000000000176"/>
                                                    <Node score="0.028293384946522133">
                                                        <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="98.4650000000000176"/>
                                                    </Node>
                                                    <Node score="-0.015735924919479678">
                                                        <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="98.4650000000000176"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="12" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.05302530230184599">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.128872054398235">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="13" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.05286575823713462">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
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                                    <Node score="0.11932445128413059">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
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                        <Segment id="14" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
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                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                <Node>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                <Node>
                                    <True/>
                                    <Node score="-0.0525707367918645">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
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                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
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                        <Segment id="16" weight="1">
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.052435827011368556">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.09967384701151089">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
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                                <Node>
                                    <True/>
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                                        <Node>
                                            <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="45.0000000000000071"/>
                                            <Node>
                                                <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="242.5000000000000284"/>
                                                <Node>
                                                    <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                                    <Node score="-0.000286278189204946">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="48.8450000000000060"/>
                                                    </Node>
                                                    <Node score="0.013696535216932947">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="48.8450000000000060"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                                    <Node score="-0.010284495463071983">
                                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="6.5000000000000009"/>
                                                    </Node>
                                                    <Node score="0.02710927691458317">
                                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="6.5000000000000009"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="242.5000000000000284"/>
                                                <Node>
                                                    <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="4420.1500000000005457"/>
                                                    <Node score="-0.018264177699016067">
                                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="872.4400000000001683"/>
                                                    </Node>
                                                    <Node score="0.021057720755910322">
                                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="872.4400000000001683"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="4420.1500000000005457"/>
                                                    <Node score="0.017278225193464017">
                                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.8000500000000001"/>
                                                    </Node>
                                                    <Node score="0.041265082697969885">
                                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.8000500000000001"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="45.0000000000000071"/>
                                            <Node>
                                                <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0326500000000000"/>
                                                <Node>
                                                    <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="3456.8600000000001273"/>
                                                    <Node score="-0.018010765049300128">
                                                        <SimplePredicate field="min_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                                    </Node>
                                                    <Node score="0.011993547764972717">
                                                        <SimplePredicate field="min_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                                    </Node>
                                                </Node>
                                                <Node score="0.034642979541030704">
                                                    <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="3456.8600000000001273"/>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0326500000000000"/>
                                                <Node>
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="50.4850000000000065"/>
                                                    <Node score="-0.03996284916275237">
                                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="1847.4550000000001546"/>
                                                    </Node>
                                                    <Node score="-0.019172640240459393">
                                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="1847.4550000000001546"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="50.4850000000000065"/>
                                                    <Node score="-0.017701607269513465">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="450.5000000000000568"/>
                                                    </Node>
                                                    <Node score="0.03444339959531626">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="450.5000000000000568"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="580.5000000000001137"/>
                                            <Node>
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="11.5000000000000018"/>
                                                <Node>
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="74.4750000000000085"/>
                                                    <Node score="-0.025262927073830828">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="224.5000000000000284"/>
                                                    </Node>
                                                    <Node score="-0.009078663080687697">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="224.5000000000000284"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="74.4750000000000085"/>
                                                    <Node score="-0.01462608467059242">
                                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="9.5000000000000018"/>
                                                    </Node>
                                                    <Node score="0.00014079754295670508">
                                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="9.5000000000000018"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="11.5000000000000018"/>
                                                <Node score="0.0584260677186054">
                                                    <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="85.2350000000000136"/>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="85.2350000000000136"/>
                                                    <Node score="0.03277536963513428">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.0723500000000000"/>
                                                    </Node>
                                                    <Node score="0.008108397805935096">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.0723500000000000"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="580.5000000000001137"/>
                                            <Node>
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="12000.2100000000009459"/>
                                                <Node>
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="104.9150000000000063"/>
                                                    <Node score="-0.03463923310735766">
                                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                                    </Node>
                                                    <Node score="-0.04570062595176171">
                                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                                    </Node>
                                                </Node>
                                                <Node score="-0.0172972398305875">
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="104.9150000000000063"/>
                                                </Node>
                                            </Node>
                                            <Node score="-0.009269891470230216">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="12000.2100000000009459"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="18" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.05230214703570373">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
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                                    <Node score="0.09464441017341217">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.052178595276213074">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.09066859289587928">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                            <Node>
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                                                <Node>
                                                    <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="827.9800000000001319"/>
                                                    <Node score="-0.015354576147858349">
                                                        <SimplePredicate field="loan_os_prcp_gt0_m12_num_pc" operator="lessOrEqual" value="57.7350000000000065"/>
                                                    </Node>
                                                    <Node score="0.012010506470648719">
                                                        <SimplePredicate field="loan_os_prcp_gt0_m12_num_pc" operator="greaterThan" value="57.7350000000000065"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="available_limit_amt" operator="greaterThan" value="827.9800000000001319"/>
                                                    <Node score="-0.01947957407985722">
                                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="1.6092500000000001"/>
                                                    </Node>
                                                    <Node score="-0.0025915600900515744">
                                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="1.6092500000000001"/>
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                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7618500000000001"/>
                                                    <Node score="0.01325328238607281">
                                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                                    </Node>
                                                    <Node score="-0.002949019248456674">
                                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                                    </Node>
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                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7618500000000001"/>
                                                    <Node score="0.008090098564385298">
                                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="1124.9950000000001182"/>
                                                    </Node>
                                                    <Node score="0.024869148206014782">
                                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="1124.9950000000001182"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.4549500000000004"/>
                                            <Node>
                                                <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="10003.7500000000018190"/>
                                                <Node>
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="51.3750000000000071"/>
                                                    <Node score="-0.00657373713603006">
                                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0002500000000000"/>
                                                    </Node>
                                                    <Node score="-0.03690771139052148">
                                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0002500000000000"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="51.3750000000000071"/>
                                                    <Node score="-0.01527527614975492">
                                                        <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="5132.2400000000006912"/>
                                                    </Node>
                                                    <Node score="0.020079611756757574">
                                                        <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="5132.2400000000006912"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="10003.7500000000018190"/>
                                                <Node>
                                                    <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4180.0000000000009095"/>
                                                    <Node score="0.005016155200281151">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6883500000000001"/>
                                                    </Node>
                                                    <Node score="0.035405910831849574">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6883500000000001"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4180.0000000000009095"/>
                                                    <Node score="0.01930866526745927">
                                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="96.1650000000000063"/>
                                                    </Node>
                                                    <Node score="-0.02610436849232079">
                                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="96.1650000000000063"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node>
                                                <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="598.5000000000001137"/>
                                                <Node>
                                                    <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="6450.0000000000009095"/>
                                                    <Node score="0.004620519500259189">
                                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="9.5000000000000018"/>
                                                    </Node>
                                                    <Node score="0.024118281953316216">
                                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="9.5000000000000018"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="min_apply_amt" operator="greaterThan" value="6450.0000000000009095"/>
                                                    <Node score="-0.03106496713611083">
                                                        <SimplePredicate field="useratemore50maxcontimonsm12" operator="lessOrEqual" value="4.5000000000000009"/>
                                                    </Node>
                                                    <Node score="-0.002450049164139946">
                                                        <SimplePredicate field="useratemore50maxcontimonsm12" operator="greaterThan" value="4.5000000000000009"/>
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                                                </Node>
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                                            <Node>
                                                <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="598.5000000000001137"/>
                                                <Node score="-0.04312582795943131">
                                                    <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="143.5000000000000284"/>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="143.5000000000000284"/>
                                                    <Node score="-0.030589484055305767">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="77.7150000000000176"/>
                                                    </Node>
                                                    <Node score="-0.00620855333792306">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="77.7150000000000176"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node>
                                                <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="402.0000000000000568"/>
                                                <Node>
                                                    <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="5201.3450000000002547"/>
                                                    <Node score="-0.027585989458688027">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.8024500000000001"/>
                                                    </Node>
                                                    <Node score="-0.011687333506771596">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.8024500000000001"/>
                                                    </Node>
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                                                <Node>
                                                    <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="5201.3450000000002547"/>
                                                    <Node score="-0.01766906742090369">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="53.8650000000000020"/>
                                                    </Node>
                                                    <Node score="0.0032380582217104675">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="53.8650000000000020"/>
                                                    </Node>
                                                </Node>
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                                            <Node>
                                                <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="402.0000000000000568"/>
                                                <Node>
                                                    <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="12000.2100000000009459"/>
                                                    <Node score="-0.029178766055685226">
                                                        <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="843.0000000000001137"/>
                                                    </Node>
                                                    <Node score="-0.04531842404818033">
                                                        <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="843.0000000000001137"/>
                                                    </Node>
                                                </Node>
                                                <Node score="-0.008496570744017665">
                                                    <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="12000.2100000000009459"/>
                                                </Node>
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                        <Segment id="21" weight="1">
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
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                                <Node>
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                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                <Node>
                                    <True/>
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                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.051844369021598696">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
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                                    <Node score="0.08119603676457021">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
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                                </Node>
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
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                                <Node>
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                                                    <SimplePredicate field="cre_now_l60_usedrate_m_max" operator="lessOrEqual" value="0.4068500000000000"/>
                                                    <Node score="0.01152038817130261">
                                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="1057.7350000000003547"/>
                                                    </Node>
                                                    <Node score="0.02326398563070001">
                                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="1057.7350000000003547"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="cre_now_l60_usedrate_m_max" operator="greaterThan" value="0.4068500000000000"/>
                                                    <Node score="-0.011892928729171458">
                                                        <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="199.5000000000000284"/>
                                                    </Node>
                                                    <Node score="0.011500736091472173">
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                                                    <Node score="-0.011362573274479681">
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                                                    </Node>
                                                    <Node score="0.011381504982509387">
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                                                    <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                                    <Node score="-0.0190895429749667">
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                                                    <Node score="0.0001039232541973003">
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                                                    <Node score="0.0020362794827598367">
                                                        <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
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                                                    <Node score="0.0339037732963566">
                                                        <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="0.0000000000000000"/>
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                                                    <Node score="-0.024082452938380704">
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                                                    </Node>
                                                    <Node score="0.007601963466273093">
                                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
                                                    </Node>
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                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="258.5000000000000568"/>
                                                    <Node score="0.0011726982185180689">
                                                        <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="2325.5000000000004547"/>
                                                    </Node>
                                                    <Node score="-0.024378078661405712">
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                                                    </Node>
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                                    <Node>
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                                            <Node>
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="664.7800000000000864"/>
                                                <Node score="0.0012849669131973901">
                                                    <SimplePredicate field="loan_os_prcp_gt0_m12_num_pc" operator="lessOrEqual" value="31.6650000000000027"/>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="loan_os_prcp_gt0_m12_num_pc" operator="greaterThan" value="31.6650000000000027"/>
                                                    <Node score="-0.020125600787795423">
                                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="0.9999500000000001"/>
                                                    </Node>
                                                    <Node score="-0.038773096678026114">
                                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="0.9999500000000001"/>
                                                    </Node>
                                                </Node>
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                                            <Node>
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="664.7800000000000864"/>
                                                <Node>
                                                    <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="3.5000000000000004"/>
                                                    <Node score="0.0007038303185088077">
                                                        <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="19.0100000000000016"/>
                                                    </Node>
                                                    <Node score="0.02482670200959966">
                                                        <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="19.0100000000000016"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="3.5000000000000004"/>
                                                    <Node score="-0.023243068369642045">
                                                        <SimplePredicate field="orig_prcp_avg_m12" operator="lessOrEqual" value="1550.1666500000003452"/>
                                                    </Node>
                                                    <Node score="0.0033759365297739716">
                                                        <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="1550.1666500000003452"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="287.1050000000000750"/>
                                            <Node>
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="12000.2100000000009459"/>
                                                <Node>
                                                    <SimplePredicate field="min_tnr" operator="lessOrEqual" value="3.5000000000000004"/>
                                                    <Node score="-0.04242605191753353">
                                                        <SimplePredicate field="orig_prcp_avg_m12" operator="lessOrEqual" value="6202.2500000000009095"/>
                                                    </Node>
                                                    <Node score="-0.018905261709125012">
                                                        <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="6202.2500000000009095"/>
                                                    </Node>
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                                                <Node>
                                                    <SimplePredicate field="min_tnr" operator="greaterThan" value="3.5000000000000004"/>
                                                    <Node score="-0.026400105966695786">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="395.5000000000000568"/>
                                                    </Node>
                                                    <Node score="0.0011430852953971333">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="395.5000000000000568"/>
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                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="12000.2100000000009459"/>
                                                <Node score="-0.022084248131320306">
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="65.1750000000000256"/>
                                                </Node>
                                                <Node score="0.0171755161589181">
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="65.1750000000000256"/>
                                                </Node>
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                                <MiningSchema>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
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                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
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                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                <Node>
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                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.051647313995552085">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.07650510919519951">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="27" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.05155840811370373">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.07453167460649024">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="28" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.05147334232573541">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.07274415091902357">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="29" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.051393015325960446">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.07110621766356344">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="30" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.05131574062639167">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.06968674757999137">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="31" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="64.1100000000000136"/>
                                            <Node>
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1926.4500000000000455"/>
                                                <Node>
                                                    <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="318.5800000000000978"/>
                                                    <Node score="0.022042510394768414">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.0356500000000000"/>
                                                    </Node>
                                                    <Node score="0.007601641152875709">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.0356500000000000"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="available_limit_amt" operator="greaterThan" value="318.5800000000000978"/>
                                                    <Node score="-0.008421357400601888">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="38.5000000000000071"/>
                                                    </Node>
                                                    <Node score="0.004806606490885822">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="38.5000000000000071"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1926.4500000000000455"/>
                                                <Node>
                                                    <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.7356500000000001"/>
                                                    <Node score="0.008024520972829281">
                                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                                    </Node>
                                                    <Node score="-0.01041518226210655">
                                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.7356500000000001"/>
                                                    <Node score="0.01511669102279947">
                                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="11257.1400000000012369"/>
                                                    </Node>
                                                    <Node score="0.029029966885802273">
                                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="11257.1400000000012369"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="64.1100000000000136"/>
                                            <Node>
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="30.3300000000000018"/>
                                                <Node score="-0.039096237034693844">
                                                    <SimplePredicate field="orig_prcp_avg_m12" operator="lessOrEqual" value="3001.2500000000004547"/>
                                                </Node>
                                                <Node score="-0.016107566840887697">
                                                    <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="3001.2500000000004547"/>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="30.3300000000000018"/>
                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="138.5000000000000284"/>
                                                    <Node score="0.0018556502479044664">
                                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="0.8509500000000001"/>
                                                    </Node>
                                                    <Node score="-0.014209416986393048">
                                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="0.8509500000000001"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="138.5000000000000284"/>
                                                    <Node score="0.014886727780460707">
                                                        <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="1.5000000000000002"/>
                                                    </Node>
                                                    <Node score="-0.007466262922664513">
                                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.5000000000000002"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="843.0000000000001137"/>
                                            <Node>
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                                <Node>
                                                    <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="10.5000000000000018"/>
                                                    <Node score="0.003095154644442154">
                                                        <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="4.5000000000000009"/>
                                                    </Node>
                                                    <Node score="-0.012621834657690201">
                                                        <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="4.5000000000000009"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="10.5000000000000018"/>
                                                    <Node score="0.0051758526836066625">
                                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.8681500000000001"/>
                                                    </Node>
                                                    <Node score="0.03806553616599703">
                                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.8681500000000001"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="238.5000000000000284"/>
                                                    <Node score="-0.029241331053468773">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="50.9550000000000054"/>
                                                    </Node>
                                                    <Node score="-0.013799770055324024">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="50.9550000000000054"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="238.5000000000000284"/>
                                                    <Node score="0.016221544273237822">
                                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                                    </Node>
                                                    <Node score="-0.010195655973126536">
                                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.0000000000000000"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="843.0000000000001137"/>
                                            <Node score="-0.03963246983116513">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="12000.2100000000009459"/>
                                            </Node>
                                            <Node score="-0.01234703667197437">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="12000.2100000000009459"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="32" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.05124012884285807">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
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                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
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                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                <Node>
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                                <MiningSchema>
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                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
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                                <Node>
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                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node>
                                                <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="38.5000000000000071"/>
                                                <Node>
                                                    <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="827.9800000000001319"/>
                                                    <Node score="0.0179412711329807">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.0625500000000000"/>
                                                    </Node>
                                                    <Node score="0.0033070803623496087">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.0625500000000000"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="available_limit_amt" operator="greaterThan" value="827.9800000000001319"/>
                                                    <Node score="-0.014290486152807664">
                                                        <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="62.0264000000000095"/>
                                                    </Node>
                                                    <Node score="0.003806704372798278">
                                                        <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="62.0264000000000095"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="38.5000000000000071"/>
                                                <Node>
                                                    <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="651.3350000000001501"/>
                                                    <Node score="-0.021690486290699158">
                                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.4634500000000001"/>
                                                    </Node>
                                                    <Node score="0.001956842267188573">
                                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.4634500000000001"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="651.3350000000001501"/>
                                                    <Node score="0.016172299400959624">
                                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="6508.5000000000009095"/>
                                                    </Node>
                                                    <Node score="0.005560602460166433">
                                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="6508.5000000000009095"/>
                                                    </Node>
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                                        <Node>
                                            <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
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                                                <Node score="-0.01650560065872544">
                                                    <SimplePredicate field="orig_prcp_avg_m12" operator="lessOrEqual" value="1550.1666500000003452"/>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="1550.1666500000003452"/>
                                                    <Node score="-0.006459044264328563">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.4669500000000000"/>
                                                    </Node>
                                                    <Node score="0.013659837072442739">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.4669500000000000"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="1.0050000000000001"/>
                                                <Node>
                                                    <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="26663.3900000000030559"/>
                                                    <Node score="-0.007176057142212585">
                                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="2650.0000000000004547"/>
                                                    </Node>
                                                    <Node score="-0.02603317158296006">
                                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="2650.0000000000004547"/>
                                                    </Node>
                                                </Node>
                                                <Node score="0.0017821898859365515">
                                                    <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="26663.3900000000030559"/>
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                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                            <Node>
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                                <Node>
                                                    <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="6650.0000000000009095"/>
                                                    <Node score="-0.001584066871700278">
                                                        <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="6000.2900000000008731"/>
                                                    </Node>
                                                    <Node score="0.009815197280458267">
                                                        <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="6000.2900000000008731"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="min_apply_amt" operator="greaterThan" value="6650.0000000000009095"/>
                                                    <Node score="0.008143396573706508">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.0007500000000000"/>
                                                    </Node>
                                                    <Node score="-0.019291982116290955">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.0007500000000000"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                                <Node>
                                                    <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="4858.3150000000014188"/>
                                                    <Node score="0.012085404478477318">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.0000000000000000"/>
                                                    </Node>
                                                    <Node score="-0.017212282480603962">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.0000000000000000"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="4858.3150000000014188"/>
                                                    <Node score="0.00477600413762237">
                                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="1.5000000000000002"/>
                                                    </Node>
                                                    <Node score="-0.01351674406346602">
                                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="1.5000000000000002"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
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                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="55.6550000000000082"/>
                                                <Node score="-0.01733918952088937">
                                                    <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="93.9050000000000153"/>
                                                </Node>
                                                <Node score="-0.04007769247544086">
                                                    <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="93.9050000000000153"/>
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                                            <Node>
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="55.6550000000000082"/>
                                                <Node>
                                                    <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                                    <Node score="-0.014213385701502441">
                                                        <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="1.5000000000000002"/>
                                                    </Node>
                                                    <Node score="-0.0346138828519185">
                                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.5000000000000002"/>
                                                    </Node>
                                                </Node>
                                                <Node score="0.005179237999917736">
                                                    <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
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                        <Segment id="36" weight="1">
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                </MiningSchema>
                                <Node>
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                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.050920468777697604">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.06316241504885374">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="39" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.050863706454878845">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.06232596211396455">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="40" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.050808955394604984">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.0615744322005828">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="41" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.050758779975740964">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.06086306978035033">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="42" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.050708369982904025">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.06021150811250836">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="43" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.05066144964695079">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.0595931783605295">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="44" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
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                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.050527029964121874">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.057989133286579043">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="50" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.05048580578672194">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05751133961149191">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="51" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.050444648505553163">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.057081658400435636">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="52" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.05040765217909258">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05668774039291409">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="53" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.05036960624253041">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05627921288633375">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="54" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.050331028523505794">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.055918027132490146">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="55" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.050296147084346446">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05558375229441357">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
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                                </Node>
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
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                                <Node>
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                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
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                                <MiningSchema>
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                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
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                                <Node>
                                    <True/>
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                                                <Node>
                                                    <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2729500000000001"/>
                                                    <Node score="-0.008624133138137832">
                                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                                    </Node>
                                                    <Node score="0.0017706763931797246">
                                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2729500000000001"/>
                                                    <Node score="0.0002867201802808604">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6244500000000001"/>
                                                    </Node>
                                                    <Node score="0.007907780892221236">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6244500000000001"/>
                                                    </Node>
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                                            <Node>
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="5344.6400000000012369"/>
                                                <Node score="0.0006820101716441851">
                                                    <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.7059500000000001"/>
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                                                <Node>
                                                    <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.7059500000000001"/>
                                                    <Node score="0.009708778312512894">
                                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="11257.1400000000012369"/>
                                                    </Node>
                                                    <Node score="0.0203585326053438">
                                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="11257.1400000000012369"/>
                                                    </Node>
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                                            </Node>
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                                        <Node>
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6244500000000001"/>
                                                    <Node score="0.006203793339342782">
                                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="441.4550000000000978"/>
                                                    </Node>
                                                    <Node score="-0.011500161531263623">
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                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6244500000000001"/>
                                                    <Node score="0.013913324301461642">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="90.5000000000000142"/>
                                                    </Node>
                                                    <Node score="0">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="90.5000000000000142"/>
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                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="224.5000000000000284"/>
                                                    <Node score="-0.01739056002140924">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="80.7450000000000188"/>
                                                    </Node>
                                                    <Node score="-0.002423229539719862">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="80.7450000000000188"/>
                                                    </Node>
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                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="224.5000000000000284"/>
                                                    <Node score="-0.006642804072971877">
                                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.8819500000000001"/>
                                                    </Node>
                                                    <Node score="0.007569371668140089">
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                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
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                                                <Node score="-0.006471865052726625">
                                                    <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="5300.2000000000007276"/>
                                                </Node>
                                                <Node score="0.005706479881740986">
                                                    <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="5300.2000000000007276"/>
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                                            <Node>
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="1.0050000000000001"/>
                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="284.5000000000000568"/>
                                                    <Node score="-0.022700251835043372">
                                                        <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="23.6264500000000019"/>
                                                    </Node>
                                                    <Node score="-0.006404146397634167">
                                                        <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="23.6264500000000019"/>
                                                    </Node>
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                                                <Node score="-0.00010471086702918116">
                                                    <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="284.5000000000000568"/>
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                                            <Node score="-0.03399867704413835">
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                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="55.8950000000000031"/>
                                                <Node score="-0.02093218927288086">
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                                <MiningSchema>
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                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.050225613086179205">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05495424262952547">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="59" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="69.0000000000000142"/>
                                        <Node>
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node>
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="818.9450000000000500"/>
                                                <Node>
                                                    <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="4812.1850000000004002"/>
                                                    <Node score="-0.004286017991759503">
                                                        <SimplePredicate field="min_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                                    </Node>
                                                    <Node score="0.0052631121031188575">
                                                        <SimplePredicate field="min_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                                    </Node>
                                                </Node>
                                                <Node score="-0.019967026199994534">
                                                    <SimplePredicate field="available_limit_amt" operator="greaterThan" value="4812.1850000000004002"/>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="818.9450000000000500"/>
                                                <Node>
                                                    <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.9071500000000001"/>
                                                    <Node score="-0.00035478950793583016">
                                                        <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="361.5000000000000568"/>
                                                    </Node>
                                                    <Node score="0.008271023390685124">
                                                        <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="361.5000000000000568"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.9071500000000001"/>
                                                    <Node score="0.0009175949277113892">
                                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="507.0450000000000728"/>
                                                    </Node>
                                                    <Node score="0.02024264118740273">
                                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="507.0450000000000728"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node>
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="318.5800000000000978"/>
                                                <Node>
                                                    <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                                    <Node score="0.004884862286413362">
                                                        <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="4.5000000000000009"/>
                                                    </Node>
                                                    <Node score="-0.004197775167580762">
                                                        <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="4.5000000000000009"/>
                                                    </Node>
                                                </Node>
                                                <Node score="-0.012636150030809857">
                                                    <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="318.5800000000000978"/>
                                                <Node>
                                                    <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4130.0000000000009095"/>
                                                    <Node score="0.006589776399114341">
                                                        <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="84500.0000000000145519"/>
                                                    </Node>
                                                    <Node score="-0.008488520630809309">
                                                        <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="84500.0000000000145519"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4130.0000000000009095"/>
                                                    <Node score="-0.021530233760272688">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="76.4850000000000136"/>
                                                    </Node>
                                                    <Node score="-0.00010168046608918702">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="76.4850000000000136"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="69.0000000000000142"/>
                                        <Node>
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node>
                                                <SimplePredicate field="orig_prcp_avg_m12" operator="lessOrEqual" value="1625.1250000000002274"/>
                                                <Node score="-0.02516039467054569">
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="63.7450000000000117"/>
                                                </Node>
                                                <Node score="-0.008712286999072815">
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="63.7450000000000117"/>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="1625.1250000000002274"/>
                                                <Node>
                                                    <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="2622.7950000000005275"/>
                                                    <Node score="-0.0037612812927651073">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.4720500000000000"/>
                                                    </Node>
                                                    <Node score="0.008860466817630152">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.4720500000000000"/>
                                                    </Node>
                                                </Node>
                                                <Node score="-0.01482720341720727">
                                                    <SimplePredicate field="available_limit_amt" operator="greaterThan" value="2622.7950000000005275"/>
                                                </Node>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-0.03299507722276158">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="44.8250000000000099"/>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="44.8250000000000099"/>
                                                <Node score="-0.008758962043786171">
                                                    <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="3950.0000000000004547"/>
                                                </Node>
                                                <Node score="-0.02325157301946568">
                                                    <SimplePredicate field="min_apply_amt" operator="greaterThan" value="3950.0000000000004547"/>
                                                </Node>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="60" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.050191293773826445">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.0546678875707978">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
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                        <Segment id="61" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                <Node>
                                    <True/>
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                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
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                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
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                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.05012427502119813">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
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                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
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                                <MiningSchema>
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                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
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                                <Node>
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                                                    <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.0000000000000000"/>
                                                    <Node score="0.018251729102535457">
                                                        <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="4600.1100000000014916"/>
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                                                    <Node score="0.005551262727302774">
                                                        <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="4600.1100000000014916"/>
                                                    </Node>
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                                                <Node>
                                                    <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.0000000000000000"/>
                                                    <Node score="0.0019429102992191511">
                                                        <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="50005.0000000000072760"/>
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                                                    <Node score="-0.008781722671642038">
                                                        <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="50005.0000000000072760"/>
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                                                    <Node score="0.008591466841909883">
                                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                                    <Node score="-9.630142933576454e-06">
                                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                                <Node>
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                                                    <Node score="0.010824209753945702">
                                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="6715.4850000000014916"/>
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                                                    <Node score="0.021681256507174944">
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                                                    <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6382500000000001"/>
                                                    <Node score="-0.01792909295448549">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="105.7750000000000199"/>
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                                                    <Node score="-0.0012945457298016122">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="105.7750000000000199"/>
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                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6382500000000001"/>
                                                    <Node score="-0.012395410761442049">
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                                                    <Node score="0">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="38.4150000000000063"/>
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                                                <Node>
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                                                    <Node score="-0.0006918846002938299">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="90.1950000000000074"/>
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                                                    <Node score="0.008848870120469579">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="90.1950000000000074"/>
                                                    </Node>
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                                        <Node score="-0.0289920131417604">
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                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="33.0450000000000088"/>
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                                                    <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="3084.3900000000007822"/>
                                                    <Node score="-0.0074146225880456305">
                                                        <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="0.0000000000000000"/>
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                                                    <Node score="0.003820817946241733">
                                                        <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="0.0000000000000000"/>
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                                                    <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="3084.3900000000007822"/>
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                                                    <Node score="-0.003938994149157174">
                                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="1.2466500000000000"/>
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                                                    <Node score="-0.015852548467893694">
                                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.2466500000000000"/>
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                                <MiningSchema>
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                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                                <Node>
                                                    <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="5300.2000000000007276"/>
                                                    <Node score="0.009125719668617702">
                                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.8372500000000002"/>
                                                    </Node>
                                                    <Node score="0.018494766437971343">
                                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.8372500000000002"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="778.0000000000001137"/>
                                            <Node>
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="225.6650000000000205"/>
                                                <Node>
                                                    <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="9.5000000000000018"/>
                                                    <Node score="-0.009803508443631053">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7803500000000001"/>
                                                    </Node>
                                                    <Node score="0.0006882537790796953">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7803500000000001"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="avg_tnr" operator="greaterThan" value="9.5000000000000018"/>
                                                    <Node score="-0.002229294516082936">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="20.4950000000000010"/>
                                                    </Node>
                                                    <Node score="0.006133940332610852">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="20.4950000000000010"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="225.6650000000000205"/>
                                                <Node>
                                                    <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="600.5000000000001137"/>
                                                    <Node score="-0.023989207536098255">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="65.0250000000000199"/>
                                                    </Node>
                                                    <Node score="-0.006406666013797022">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="65.0250000000000199"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="600.5000000000001137"/>
                                                    <Node score="-0.0006303576494095307">
                                                        <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="160500.0000000000291038"/>
                                                    </Node>
                                                    <Node score="-0.013172542001572005">
                                                        <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="160500.0000000000291038"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="778.0000000000001137"/>
                                            <Node score="-0.0293189760930161">
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                                            </Node>
                                            <Node score="-0.014371369538615132">
                                                <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="greaterThan" value="1.5004500000000001"/>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
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                                <MiningSchema>
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                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                            <Node>
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                                                <Node>
                                                    <SimplePredicate field="min_tnr" operator="lessOrEqual" value="7.0000000000000009"/>
                                                    <Node score="-0.011497113865106344">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="85.6350000000000051"/>
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                                                    <Node score="0.0009411686551177496">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="85.6350000000000051"/>
                                                    </Node>
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                                                <Node>
                                                    <SimplePredicate field="min_tnr" operator="greaterThan" value="7.0000000000000009"/>
                                                    <Node score="0.011281219042333479">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.0492500000000000"/>
                                                    </Node>
                                                    <Node score="0.0007568932443171739">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.0492500000000000"/>
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                                                    <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.7754500000000001"/>
                                                    <Node score="0.007224637089094147">
                                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="94.3150000000000119"/>
                                                    </Node>
                                                    <Node score="-0.003491579600907144">
                                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="94.3150000000000119"/>
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                                                    <Node score="0.0010256632267549093">
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                                                    <Node score="0.010877838762943435">
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                                                    <Node score="-0.02383497070298339">
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                                                <Node score="-0.0010539274102956088">
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                                                    <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6195500000000002"/>
                                                    <Node score="-0.010376469336207367">
                                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="4.5000000000000009"/>
                                                    </Node>
                                                    <Node score="0.006967050814402156">
                                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="4.5000000000000009"/>
                                                    </Node>
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                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6195500000000002"/>
                                                    <Node score="-0.0066517615027284595">
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                                                    <Node score="0.003481638535999588">
                                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="-0.2031500000000000"/>
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                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
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                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="3.5000000000000004"/>
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                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7157500000000001"/>
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                                                <Node score="-0.022889480267499353">
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                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04996245861683353">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.053018923455602954">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="73" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.049928326328336554">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05282074131604354">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="74" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0498949954305605">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05264678058134199">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="75" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.049862523676800774">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05247688042313825">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="76" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04983122668757309">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05229292877263735">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="77" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04979858393571307">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.052135912334123784">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="78" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04976500151866221">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05198732703211372">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="79" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.049729428759433904">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.051827431421347374">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="80" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04969632256290431">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05167918798292967">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="81" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04965808719982601">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05155359373413271">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="82" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04962400802796691">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05140733578608486">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="83" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0495881215029982">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05128915572032621">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="84" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.049547103019275424">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05116242249547122">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="85" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.049511703182190545">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05102223064101444">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="86" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04947248865079126">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.050897929724391944">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="87" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.049429636854955175">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05080787196457212">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="88" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04938941163435183">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05067746618853719">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="89" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0493430459125081">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.050572984532573584">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="90" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04929813746877371">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05044135074033954">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="91" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04924873026925179">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05035731822282078">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="92" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04920033101677835">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05023545537028329">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="93" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.049152889846050284">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.050138146634389126">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="94" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04909658904490623">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.05004638029012204">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="95" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04904108652529914">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04991889274599403">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="96" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.048988355723473986">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04982545136967332">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="97" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.048929875557995946">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.049705183825241986">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="98" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04887591640645933">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.049592379613550785">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="99" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04880849515844076">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
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                                    <Node score="0.04950716924935794">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
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                                </Node>
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                        <Segment id="100" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="8.3400000000000016"/>
                                            <Node>
                                                <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="0.0000000000000000"/>
                                                <Node score="-5.451877536767414e-05">
                                                    <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6539500000000001"/>
                                                </Node>
                                                <Node score="0.005070320400451183">
                                                    <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6539500000000001"/>
                                                </Node>
                                            </Node>
                                            <Node score="0.01013450899210105">
                                                <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="0.0000000000000000"/>
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                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="8.3400000000000016"/>
                                            <Node>
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7506500000000002"/>
                                                <Node score="0">
                                                    <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="3505.0000000000004547"/>
                                                </Node>
                                                <Node score="-0.007332894760014447">
                                                    <SimplePredicate field="min_apply_amt" operator="greaterThan" value="3505.0000000000004547"/>
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                                            <Node>
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7506500000000002"/>
                                                <Node score="-0.0019704657704755608">
                                                    <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.3051500000000001"/>
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                                                <Node score="0.007080377789977249">
                                                    <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.3051500000000001"/>
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                                    <Node>
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                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="0.0023858345084311525">
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                                            <Node score="-0.0029041491743617034">
                                                <SimplePredicate field="min_apply_amt" operator="greaterThan" value="3650.0000000000004547"/>
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                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node>
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7940500000000001"/>
                                                <Node score="-0.015676755685521935">
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="65.0250000000000199"/>
                                                </Node>
                                                <Node score="-0.0061923680697349584">
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="65.0250000000000199"/>
                                                </Node>
                                            </Node>
                                            <Node score="-0.0019779377080764173">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7940500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="101" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
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                                <Node>
                                    <True/>
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                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0229500000000000"/>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node>
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="688.7550000000002228"/>
                                                <Node score="0.0012116110350345842">
                                                    <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="827.9800000000001319"/>
                                                </Node>
                                                <Node score="-0.005672282739376949">
                                                    <SimplePredicate field="available_limit_amt" operator="greaterThan" value="827.9800000000001319"/>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="688.7550000000002228"/>
                                                <Node>
                                                    <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="1.3210500000000003"/>
                                                    <Node score="0.008257043429873203">
                                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7050.0000000000009095"/>
                                                    </Node>
                                                    <Node score="0.0013799772480891607">
                                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7050.0000000000009095"/>
                                                    </Node>
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                                                <Node score="0">
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                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node>
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                                <Node>
                                                    <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="327.4400000000000546"/>
                                                    <Node score="-0.005019300727865372">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6813500000000001"/>
                                                    </Node>
                                                    <Node score="0.00143735067816598">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6813500000000001"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="available_limit_amt" operator="greaterThan" value="327.4400000000000546"/>
                                                    <Node score="-0.013657564127006775">
                                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.4425500000000001"/>
                                                    </Node>
                                                    <Node score="-0.004207924642314047">
                                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.4425500000000001"/>
                                                    </Node>
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                                            </Node>
                                            <Node score="0.006314187179491559">
                                                <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
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                                </Node>
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                        <Segment id="102" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04873792498822963">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.049384425633311996">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="103" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.1450000000000000"/>
                                        <Node>
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                                            <Node score="-0.00361800980831418">
                                                <SimplePredicate field="min_tnr" operator="lessOrEqual" value="7.0000000000000009"/>
                                            </Node>
                                            <Node score="0.0029584140455466627">
                                                <SimplePredicate field="min_tnr" operator="greaterThan" value="7.0000000000000009"/>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6217500000000001"/>
                                            <Node score="0.0001886779832816524">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="1124.9950000000001182"/>
                                            </Node>
                                            <Node score="0.00803042007305757">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="1124.9950000000001182"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.1450000000000000"/>
                                        <Node>
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="-0.0063574815539011904">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="927.6550000000000864"/>
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                                            <Node>
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="927.6550000000000864"/>
                                                <Node score="-0.0012489629777825805">
                                                    <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7618500000000001"/>
                                                </Node>
                                                <Node score="0.006776524616587475">
                                                    <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7618500000000001"/>
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                                            <Node score="-0.0025959428795308834">
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                            <True/>
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                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
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                                <Node>
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                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
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                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                                    <Node score="0.002143731466192064">
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                                                    </Node>
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                                                    <Node score="-0.012547620390143161">
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                                                <Node score="0">
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                                    <Node>
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                                        <Node score="-0.00034170245621224316">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
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                        <Segment id="107" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.048524873518256725">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.0490664255834122">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="108" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04844309899350694">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.048981810071675715">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="109" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04836380594619233">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04887004417001429">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="110" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.048282544213478835">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.048734392069234855">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="111" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.048189182534726045">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04863903712832946">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="112" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04810059479848143">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04851648970481792">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="113" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.048008430675670524">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04838782550725462">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="114" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04790717980411895">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04828648944150212">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="115" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0478020849098903">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.048156799652468135">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="116" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.047693210489711015">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04800233383310614">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="117" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04757677453281313">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04789703519236469">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="118" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04744282153516879">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04771037329869717">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="119" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04734672900286355">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.047572256967442765">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="120" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.047214404997978736">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04749022105773365">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
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                                </Node>
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                        <Segment id="121" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04708364404221299">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
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                                    <Node score="0.04734392506731145">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
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                        <Segment id="122" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.046947624687643894">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04718900520353009">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="123" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.046808141287932016">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04698758762514482">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="124" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.005328837066953772">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="710.0150000000001000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="710.0150000000001000"/>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7653500000000001"/>
                                            <Node score="0.0021457766616278726">
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.0037452265966838073">
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.004995815258081003">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7653500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="125" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04666103262850394">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04680195386679694">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="126" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.046508004061041185">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04662402147291575">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="127" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04634872064197859">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.046464144705796136">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="128" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04619810253801288">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.0463382668152939">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="129" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.001032599579783991">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="818.9450000000000500"/>
                                        </Node>
                                        <Node score="0.0042646074724862655">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="818.9450000000000500"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.004144672762256329">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="130" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0010857140964671112">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="698.1650000000000773"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="698.1650000000000773"/>
                                            <Node score="0.004654765135932746">
                                                <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4180.0000000000009095"/>
                                            </Node>
                                            <Node score="0.0009262002506578686">
                                                <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4180.0000000000009095"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.003699224206350398">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="131" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04601261267735725">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04607812723852239">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="132" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.045839280677835104">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.045905110175268965">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="133" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.045654511520046064">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04573389106706488">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="134" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.045477522375449414">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.045596311005980966">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="135" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0034665900194618344">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="327.4400000000000546"/>
                                        </Node>
                                        <Node score="-2.55768743653149e-06">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="327.4400000000000546"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.004485783784843606">
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="136" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.045307055050060954">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04539373833946705">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="137" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.045090427649591786">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.045107653874752546">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="138" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04488755365849016">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04492805135170842">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="139" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.044668021393649865">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04472226446841643">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="140" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04444065061646723">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04441574143172775">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
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                        <Segment id="141" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.044208813966242565">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04420090944292604">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
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                        <Segment id="142" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
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                                <Node>
                                    <True/>
                                    <Node score="-0.04397835046009163">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
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                                    <Node score="0.043916762900582364">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.043764089673282214">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04372791966415263">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="144" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04348989971809633">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04350689870556285">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="145" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04323709280233601">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.0432006333544446">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="146" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04298548841512677">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04298054481760061">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="147" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.042668788371721805">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04266611673479201">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="148" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.042421107288068416">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.042334763383850574">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="149" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.042139037577189224">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04213547787763481">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="150" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04185392104730405">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04180944794440204">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="151" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.001666757000368094">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="247.3850000000000193"/>
                                    </Node>
                                    <Node score="-0.001596240709084473">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="247.3850000000000193"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="152" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04152564566570069">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.041399171917916484">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="153" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0018616720764185865">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="327.4400000000000546"/>
                                    </Node>
                                    <Node score="-0.002075951307081161">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="327.4400000000000546"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="154" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04124186212808742">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.0412757152084306">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="155" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0015325572000077703">
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.4586500000000001"/>
                                    </Node>
                                    <Node score="0.0005229235214168998">
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.4586500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="156" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.04092257928812701">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="30.5000000000000036"/>
                                    </Node>
                                    <Node score="0.04093010368136958">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="30.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                    </Segmentation>
                </MiningModel>
            </Segment>
            <Segment id="2" weight="1">
                <True/>
                <RegressionModel modelName="LGBMClassifier" functionName="classification" normalizationMethod="logit">
                    <MiningSchema>
                        <MiningField name="lgbValue" usageType="active" optype="continuous"/>
                        <MiningField name="target" usageType="target" optype="categorical"/>
                    </MiningSchema>
                    <Output>
                        <OutputField name="probability_0" optype="continuous" dataType="double" feature="probability" value="0"/>
                        <OutputField name="probability_1" optype="continuous" dataType="double" feature="probability" value="1"/>
                        <OutputField name="predicted_target" optype="categorical" dataType="integer" feature="predictedValue"/>
                    </Output>
                    <RegressionTable intercept="0.0" targetCategory="1">
                        <NumericPredictor name="lgbValue" exponent="1" coefficient="1.0"/>
                    </RegressionTable>
                    <RegressionTable intercept="0.0" targetCategory="0"/>
                </RegressionModel>
            </Segment>
        </Segmentation>
    </MiningModel>
</PMML>
