<?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>2026-11-03 10:07:10.009871</Timestamp>
    </Header>
    <DataDictionary numberOfFields="41">
        <DataField name="ps_int_amt_avg" optype="continuous" dataType="double"/>
        <DataField name="shd_pre_repay_amt_rate" optype="continuous" dataType="double"/>
        <DataField name="orig_prcp_avg_m12" optype="continuous" dataType="double"/>
        <DataField name="repay_amount_m6_all_shd_amt_pc" optype="continuous" dataType="double"/>
        <DataField name="ps_int_amt_sum" optype="continuous" dataType="double"/>
        <DataField name="avg_tnr" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_credit_amount_m12" optype="continuous" dataType="double"/>
        <DataField name="suc_apprv_num_m6" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_used_amt_m_max" optype="continuous" dataType="double"/>
        <DataField name="useratemore70_m6_num" optype="continuous" dataType="double"/>
        <DataField name="max_loan_os_prcp_m12" optype="continuous" dataType="double"/>
        <DataField name="m_s_ps_instm_amt" optype="continuous" dataType="double"/>
        <DataField name="useratemore70monthsubcurmonth" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l30_used_amt_d_max" optype="continuous" dataType="double"/>
        <DataField name="setl_prcp_ratio" optype="continuous" dataType="double"/>
        <DataField name="last_loan_setl_tnr" optype="continuous" dataType="double"/>
        <DataField name="s_ps_od_days_max" optype="continuous" dataType="double"/>
        <DataField name="t_ps_od_days_max" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l30_limit_left_d_min" optype="continuous" dataType="double"/>
        <DataField name="f_ps_od_days_max" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l90_limit_left_d_min" optype="continuous" dataType="double"/>
        <DataField name="available_limit_amt" optype="continuous" dataType="double"/>
        <DataField name="cre_l90_used_limit_amt_min" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_credit_amount_m6" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_credit_amount_m3" 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="cre_l60_used_limit_rate_min" optype="continuous" dataType="double"/>
        <DataField name="end_loan_to_cur_freq" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_limit_left_d_max" optype="continuous" dataType="double"/>
        <DataField name="apprv_num_m1" optype="continuous" dataType="double"/>
        <DataField name="orig_prcp_avg_m3" optype="continuous" dataType="double"/>
        <DataField name="cre_l30_l90_used_amt_m_min" optype="continuous" dataType="double"/>
        <DataField name="cre_usedrate_u30_daydelta_max" optype="continuous" dataType="double"/>
        <DataField name="setl_rem_prcp_paym_m3_num" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_used_amt_d_min" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_used_amt_m_min" optype="continuous" dataType="double"/>
        <DataField name="apprv_amt_day" optype="continuous" dataType="double"/>
        <DataField name="suc_apprv_num_m1" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l30_used_amt_d_min" 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="ps_int_amt_avg" usageType="active" optype="continuous"/>
            <MiningField name="shd_pre_repay_amt_rate" usageType="active" optype="continuous"/>
            <MiningField name="orig_prcp_avg_m12" usageType="active" optype="continuous"/>
            <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active" optype="continuous"/>
            <MiningField name="ps_int_amt_sum" usageType="active" optype="continuous"/>
            <MiningField name="avg_tnr" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active" optype="continuous"/>
            <MiningField name="suc_apprv_num_m6" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_used_amt_m_max" usageType="active" optype="continuous"/>
            <MiningField name="useratemore70_m6_num" usageType="active" optype="continuous"/>
            <MiningField name="max_loan_os_prcp_m12" usageType="active" optype="continuous"/>
            <MiningField name="m_s_ps_instm_amt" usageType="active" optype="continuous"/>
            <MiningField name="useratemore70monthsubcurmonth" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l30_used_amt_d_max" usageType="active" optype="continuous"/>
            <MiningField name="setl_prcp_ratio" usageType="active" optype="continuous"/>
            <MiningField name="last_loan_setl_tnr" usageType="active" optype="continuous"/>
            <MiningField name="s_ps_od_days_max" usageType="active" optype="continuous"/>
            <MiningField name="t_ps_od_days_max" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l30_limit_left_d_min" usageType="active" optype="continuous"/>
            <MiningField name="f_ps_od_days_max" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l90_limit_left_d_min" usageType="active" optype="continuous"/>
            <MiningField name="available_limit_amt" usageType="active" optype="continuous"/>
            <MiningField name="cre_l90_used_limit_amt_min" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_credit_amount_m3" 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="cre_l60_used_limit_rate_min" usageType="active" optype="continuous"/>
            <MiningField name="end_loan_to_cur_freq" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_limit_left_d_max" usageType="active" optype="continuous"/>
            <MiningField name="apprv_num_m1" usageType="active" optype="continuous"/>
            <MiningField name="orig_prcp_avg_m3" usageType="active" optype="continuous"/>
            <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active" optype="continuous"/>
            <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active" optype="continuous"/>
            <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_used_amt_d_min" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_used_amt_m_min" usageType="active" optype="continuous"/>
            <MiningField name="apprv_amt_day" usageType="active" optype="continuous"/>
            <MiningField name="suc_apprv_num_m1" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l30_used_amt_d_min" 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="ps_int_amt_avg" usageType="active"/>
                        <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                        <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                        <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                        <MiningField name="ps_int_amt_sum" usageType="active"/>
                        <MiningField name="avg_tnr" usageType="active"/>
                        <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                        <MiningField name="suc_apprv_num_m6" usageType="active"/>
                        <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                        <MiningField name="useratemore70_m6_num" usageType="active"/>
                        <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                        <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                        <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                        <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                        <MiningField name="setl_prcp_ratio" usageType="active"/>
                        <MiningField name="last_loan_setl_tnr" usageType="active"/>
                        <MiningField name="s_ps_od_days_max" usageType="active"/>
                        <MiningField name="t_ps_od_days_max" usageType="active"/>
                        <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                        <MiningField name="f_ps_od_days_max" usageType="active"/>
                        <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                        <MiningField name="available_limit_amt" usageType="active"/>
                        <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                        <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                        <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                        <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                        <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                        <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                        <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                        <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                        <MiningField name="apprv_num_m1" usageType="active"/>
                        <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                        <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                        <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                        <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                        <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                        <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                        <MiningField name="apprv_amt_day" usageType="active"/>
                        <MiningField name="suc_apprv_num_m1" usageType="active"/>
                        <MiningField name="cre_now_l30_used_amt_d_min" 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="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="6082.2750000000005457"/>
                                            <Node score="-2.436554701736924">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="705.0550000000001774"/>
                                            </Node>
                                            <Node score="-2.415284664959449">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="705.0550000000001774"/>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="6082.2750000000005457"/>
                                            <Node score="-2.3582188960816763">
                                                <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.0537500000000000"/>
                                            </Node>
                                            <Node score="-2.39735490068599">
                                                <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.0537500000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-2.4609858143896512">
                                        <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="2" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="6082.2750000000005457"/>
                                            <Node score="-0.024779808140293347">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7834500000000001"/>
                                            </Node>
                                            <Node score="-0.001340075172075534">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7834500000000001"/>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="6082.2750000000005457"/>
                                            <Node score="0.0020599060352859398">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7802500000000001"/>
                                            </Node>
                                            <Node score="0.05726277453716554">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7802500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.05309921237043384">
                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="3" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1888.6250000000002274"/>
                                            <Node score="-0.04139919287032991">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="47.6250000000000071"/>
                                            </Node>
                                            <Node score="-0.0029894579620021546">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="47.6250000000000071"/>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1888.6250000000002274"/>
                                            <Node score="0.043601937439419924">
                                                <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                            </Node>
                                            <Node score="-0.014914711736472689">
                                                <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="100.0050000000000097"/>
                                            <Node score="-0.046254237015741016">
                                                <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                            </Node>
                                            <Node score="-0.0012412079356606495">
                                                <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.0061800537193162">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="100.0050000000000097"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="4" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="0.00010542348896345924">
                                                <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="12908.2650000000012369"/>
                                            </Node>
                                            <Node score="0.03225264651222956">
                                                <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="12908.2650000000012369"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.0390729769352173">
                                            <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="-0.0002169649254645313">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                            </Node>
                                            <Node score="-0.03770641141135092">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.06164333861317609">
                                            <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="5" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <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 score="0.004182954114239736">
                                                <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.5598000000000001"/>
                                            </Node>
                                            <Node score="0.03918165713774457">
                                                <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.5598000000000001"/>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                            <Node score="-0.01761527860504584">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="10079.5000000000018190"/>
                                            </Node>
                                            <Node score="0.01875566319406243">
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="10079.5000000000018190"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.044954079603893284">
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="6" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
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                                <Node>
                                    <True/>
                                    <Node>
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                                            <Node score="-0.013121350258250548">
                                                <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.7369000000000001"/>
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                                            <Node score="-0.042402604259403565">
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                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
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                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
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                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="m_s_ps_instm_amt" operator="lessOrEqual" value="27.5850000000000044"/>
                                            <Node score="-0.0325745522491468">
                                                <SimplePredicate field="cre_usedrate_u30_daydelta_max" operator="lessOrEqual" value="83.5000000000000142"/>
                                            </Node>
                                            <Node score="0.0013557382304118172">
                                                <SimplePredicate field="cre_usedrate_u30_daydelta_max" operator="greaterThan" value="83.5000000000000142"/>
                                            </Node>
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                                        <Node>
                                            <SimplePredicate field="m_s_ps_instm_amt" operator="greaterThan" value="27.5850000000000044"/>
                                            <Node score="0.02329384586327381">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="110.8800000000000097"/>
                                            </Node>
                                            <Node score="0.08219224702341309">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="110.8800000000000097"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="m_s_ps_instm_amt" operator="lessOrEqual" value="37.3600000000000065"/>
                                            <Node score="-0.04888899700629468">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="207.4250000000000398"/>
                                            </Node>
                                            <Node score="-0.003128321936852173">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="207.4250000000000398"/>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="m_s_ps_instm_amt" operator="greaterThan" value="37.3600000000000065"/>
                                            <Node score="-0.019504912766717678">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="117.5650000000000119"/>
                                            </Node>
                                            <Node score="0.02265217679974109">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="117.5650000000000119"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="8" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="0.0005810772647536387">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6397500000000002"/>
                                            </Node>
                                            <Node score="0.0486310665270498">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6397500000000002"/>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-0.01925221662062226">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7834500000000001"/>
                                            </Node>
                                            <Node score="0.0026882878014695723">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7834500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.04915213773715871">
                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="9" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="96.2650000000000148"/>
                                            <Node score="-0.022295001905200083">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7870500000000001"/>
                                            </Node>
                                            <Node score="0.005069334032947343">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7870500000000001"/>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="96.2650000000000148"/>
                                            <Node score="-0.0024842284097930305">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="0.2704500000000000"/>
                                            </Node>
                                            <Node score="0.025178100066139252">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="0.2704500000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.054640286251160866">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="55.8050000000000068"/>
                                        </Node>
                                        <Node score="-0.02564163459928313">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="55.8050000000000068"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="10" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                            <Node score="0.02084924850941255">
                                                <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.7369000000000001"/>
                                            </Node>
                                            <Node score="-0.016880140047455663">
                                                <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.7369000000000001"/>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                            <Node score="-0.015186093288101714">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="10079.5000000000018190"/>
                                            </Node>
                                            <Node score="0.02299525299801541">
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="10079.5000000000018190"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.04307511601083379">
                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="11" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" 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_d_min" operator="lessOrEqual" value="1.1233000000000002"/>
                                            <Node score="0.00947289016628087">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="96.2650000000000148"/>
                                            </Node>
                                            <Node score="0.03363488416493296">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="96.2650000000000148"/>
                                            </Node>
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                                        <Node>
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.1233000000000002"/>
                                            <Node score="-0.056091021582054694">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="29.4450000000000038"/>
                                            </Node>
                                            <Node score="-0.008069054243946563">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="29.4450000000000038"/>
                                            </Node>
                                        </Node>
                                    </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 score="-0.031969628737721086">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="125.9050000000000153"/>
                                            </Node>
                                            <Node score="-0.0004822771351661781">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="125.9050000000000153"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.05382708504835161">
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                                </Node>
                            </TreeModel>
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                        <Segment id="12" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="lessOrEqual" value="-120.4999999999999858"/>
                                            <Node score="0.02831990730018474">
                                                <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.7369000000000001"/>
                                            </Node>
                                            <Node score="-0.00444977287448297">
                                                <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.7369000000000001"/>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="greaterThan" value="-120.4999999999999858"/>
                                            <Node score="-0.028861437991724602">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="63.7850000000000037"/>
                                            </Node>
                                            <Node score="-4.702864661163493e-05">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="63.7850000000000037"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                            <Node score="-0.024180508563102637">
                                                <SimplePredicate field="end_loan_to_cur_freq" operator="lessOrEqual" value="-89.4999999999999858"/>
                                            </Node>
                                            <Node score="-0.047669679088432136">
                                                <SimplePredicate field="end_loan_to_cur_freq" operator="greaterThan" value="-89.4999999999999858"/>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                            <Node score="0.10209005048486307">
                                                <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.3860500000000001"/>
                                            </Node>
                                            <Node score="0.002112372123998317">
                                                <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.3860500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="13" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="96.2650000000000148"/>
                                            <Node score="-0.0041573503966836345">
                                                <SimplePredicate field="orig_prcp_avg_m3" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.02349291071615876">
                                                <SimplePredicate field="orig_prcp_avg_m3" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="96.2650000000000148"/>
                                            <Node score="0.018878419045639822">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="144.3900000000000148"/>
                                            </Node>
                                            <Node score="-0.002431868453647438">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="144.3900000000000148"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                        <Node score="-0.050767214711226465">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="55.8050000000000068"/>
                                        </Node>
                                        <Node score="-0.018425007452208098">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="55.8050000000000068"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="14" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="m_s_ps_instm_amt" operator="lessOrEqual" value="27.5850000000000044"/>
                                            <Node score="0.009993923857588434">
                                                <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.02596231151632981">
                                                <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="m_s_ps_instm_amt" operator="greaterThan" value="27.5850000000000044"/>
                                            <Node score="0.043746095434717774">
                                                <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="2.5000000000000004"/>
                                            </Node>
                                            <Node score="0.008095868287819045">
                                                <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="2.5000000000000004"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="-0.016785080007097383">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="2917.9450000000001637"/>
                                            </Node>
                                            <Node score="0.03063965645280651">
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="2917.9450000000001637"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.039497896135553476">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                </Node>
                            </TreeModel>
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                        <Segment id="15" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
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                                <Node>
                                    <True/>
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                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                            <Node score="-0.000249604447891396">
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                                            <Node score="-0.025302871166688">
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                                    <Node>
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                                        <Node>
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
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                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
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                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
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                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7667500000000002"/>
                                            <Node score="0.002935490606560131">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                            </Node>
                                            <Node score="-0.019037993682032104">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7667500000000002"/>
                                            <Node score="-0.0004601186482905663">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="3726.7450000000003456"/>
                                            </Node>
                                            <Node score="0.03946951497689248">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="3726.7450000000003456"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.03879329873727514">
                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="17" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="end_loan_to_cur_freq" operator="lessOrEqual" value="-68.4999999999999858"/>
                                        <Node score="-0.005097494438359828">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="76.9950000000000188"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="76.9950000000000188"/>
                                            <Node score="0.019110419434854267">
                                                <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="5.5000000000000009"/>
                                            </Node>
                                            <Node score="5.838854849331906e-05">
                                                <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="5.5000000000000009"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="end_loan_to_cur_freq" operator="greaterThan" value="-68.4999999999999858"/>
                                        <Node score="-0.03827267627614467">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="62.7850000000000037"/>
                                        </Node>
                                        <Node score="-0.010591771915698916">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="62.7850000000000037"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="18" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2808500000000000"/>
                                        <Node score="-0.010214417355425581">
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="lessOrEqual" value="-137.4999999999999716"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="greaterThan" value="-137.4999999999999716"/>
                                            <Node score="-0.03851030175457888">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="19353.2650000000030559"/>
                                            </Node>
                                            <Node score="-0.0017449240947913448">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="19353.2650000000030559"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2808500000000000"/>
                                        <Node>
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="lessOrEqual" value="-68.4999999999999858"/>
                                            <Node score="0.013615604098826872">
                                                <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.5572500000000001"/>
                                            </Node>
                                            <Node score="-0.004566099107242174">
                                                <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.5572500000000001"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.011639475532790908">
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="greaterThan" value="-68.4999999999999858"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="19" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="lessOrEqual" value="1.5392000000000001"/>
                                            <Node score="-0.002694046980175864">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7041500000000002"/>
                                            </Node>
                                            <Node score="0.01963649832191502">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7041500000000002"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.021044822895838363">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.5392000000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                            <Node score="-0.019922342724766954">
                                                <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                            </Node>
                                            <Node score="-0.047057915209738045">
                                                <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.015764843422001032">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="20" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="0.003483712588823114">
                                                <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="14177.8450000000029831"/>
                                            </Node>
                                            <Node score="0.029118781226392835">
                                                <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="14177.8450000000029831"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.022813361652161537">
                                            <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                            <Node score="-0.03805809207585569">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="70.5250000000000199"/>
                                            </Node>
                                            <Node score="-0.015855418129595542">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="70.5250000000000199"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.04368852292681831">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                        </Node>
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                        <Segment id="21" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="1031.6350000000002183"/>
                                        <Node score="-0.008071871128899679">
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="lessOrEqual" value="-98.4999999999999858"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="greaterThan" value="-98.4999999999999858"/>
                                            <Node score="-0.0353122246590175">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="93.3950000000000244"/>
                                            </Node>
                                            <Node score="-0.0004285177475321502">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="93.3950000000000244"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="1031.6350000000002183"/>
                                        <Node score="-0.002192001360866752">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="5428.9450000000006185"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="5428.9450000000006185"/>
                                            <Node score="0.0014001679516317874">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="4889.2700000000013461"/>
                                            </Node>
                                            <Node score="0.03302233870892887">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="4889.2700000000013461"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="22" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="5428.9450000000006185"/>
                                            <Node score="-0.02085854716329036">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="35.0350000000000037"/>
                                            </Node>
                                            <Node score="0.008314515230203653">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="35.0350000000000037"/>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="5428.9450000000006185"/>
                                            <Node score="0.08610073227212259">
                                                <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.3908500000000001"/>
                                            </Node>
                                            <Node score="0.030607920277148072">
                                                <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.3908500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="11.5000000000000018"/>
                                            <Node score="-0.021936875173594175">
                                                <SimplePredicate field="orig_prcp_avg_m3" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.041688086223274">
                                                <SimplePredicate field="orig_prcp_avg_m3" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.009113948033062829">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="11.5000000000000018"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="23" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="5428.9450000000006185"/>
                                            <Node score="-0.01828258261654937">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="31.4950000000000010"/>
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                                            <Node score="0.008068590950193797">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="31.4950000000000010"/>
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                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="5428.9450000000006185"/>
                                            <Node score="0.07419866170511473">
                                                <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.3908500000000001"/>
                                            </Node>
                                            <Node score="0.025803715503842008">
                                                <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.3908500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.03432198906087539">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="80.9050000000000153"/>
                                        </Node>
                                        <Node score="-0.014460644398084787">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="80.9050000000000153"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="24" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="48.9750000000000014"/>
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                                            <Node score="-8.598834996553336e-05">
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                                        <Node>
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                                            <Node score="-0.044800717943237825">
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                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="48.9750000000000014"/>
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                                        <Node score="0.030970614033352387">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="10812.6150000000016007"/>
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                            <True/>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
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                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
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                                <Node>
                                    <True/>
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                                            <Node score="0.018443446093839303">
                                                <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="82.5000000000000142"/>
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                                            <Node score="-0.01006357076418576">
                                                <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="82.5000000000000142"/>
                                            </Node>
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                                        <Node score="-0.00833514911584058">
                                            <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.7369000000000001"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="11.5000000000000018"/>
                                            <Node score="-0.024240960211737658">
                                                <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="857.5000000000001137"/>
                                            </Node>
                                            <Node score="-0.05421752059923112">
                                                <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="857.5000000000001137"/>
                                            </Node>
                                        </Node>
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                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="11.5000000000000018"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="26" weight="1">
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                        <Node>
                                            <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.6573500000000001"/>
                                            <Node score="-0.009277658979260094">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="742.9150000000000773"/>
                                            </Node>
                                            <Node score="0.0084612077768531">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="742.9150000000000773"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.014679297469544727">
                                            <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.6573500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.030541406482241733">
                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="27" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="3258.5650000000005093"/>
                                            <Node score="-0.021834279234727107">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="200.0700000000000216"/>
                                            </Node>
                                            <Node score="0.001165540440756331">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="200.0700000000000216"/>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="3258.5650000000005093"/>
                                            <Node score="0.0010837302741800012">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="1106.0700000000001637"/>
                                            </Node>
                                            <Node score="0.03532672250726">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="1106.0700000000001637"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                            <Node score="-0.02392720179524314">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="117.5650000000000119"/>
                                            </Node>
                                            <Node score="-0.00019609764034970856">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="117.5650000000000119"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.018316354806109394">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="28" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.01588082255765088">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="35.0350000000000037"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="35.0350000000000037"/>
                                            <Node score="0.013007722900817696">
                                                <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.6573500000000001"/>
                                            </Node>
                                            <Node score="-0.004169839419879703">
                                                <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.6573500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.020604414276133572">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                        </Node>
                                        <Node score="0.010151812585918291">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        </Segment>
                        <Segment id="29" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1888.6250000000002274"/>
                                            <Node score="-0.022639813961788192">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="47.6250000000000071"/>
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                                            <Node score="0.0006938839941943669">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="47.6250000000000071"/>
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                                        <Node score="0.01973451595805865">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1888.6250000000002274"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.019651517524211494">
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                                        </Node>
                                        <Node score="0.00999509868312296">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
                                        </Node>
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                                </Node>
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                        <Segment id="30" weight="1">
                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
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                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.9761500000000001"/>
                                            <Node score="-0.010949803503572587">
                                                <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.7624500000000001"/>
                                            </Node>
                                            <Node score="0.00218311895198952">
                                                <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.7624500000000001"/>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.9761500000000001"/>
                                            <Node score="0.001919949450958597">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="350.6300000000000523"/>
                                            </Node>
                                            <Node score="0.036644808667270136">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="350.6300000000000523"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.02810394497475998">
                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="31" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.025923386908042603">
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0913500000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0913500000000000"/>
                                        <Node score="0.0074451519895926445">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-0.012704611878121538">
                                                <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="12.5000000000000018"/>
                                            </Node>
                                            <Node score="0.037917565731679606">
                                                <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="12.5000000000000018"/>
                                            </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="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="48.9750000000000014"/>
                                        <Node score="-0.008064960563987306">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="lessOrEqual" value="1.0293000000000003"/>
                                        </Node>
                                        <Node score="-0.03206235120271346">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0293000000000003"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.0023087994731833435">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="48.9750000000000014"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="33" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.00736647874055444">
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="lessOrEqual" value="-21.4999999999999964"/>
                                        </Node>
                                        <Node score="-0.010981762954631064">
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="greaterThan" value="-21.4999999999999964"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="lessOrEqual" value="-57.4999999999999929"/>
                                            <Node score="-0.011062069838755297">
                                                <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                            </Node>
                                            <Node score="0.016588707285991284">
                                                <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.03161080434501462">
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="greaterThan" value="-57.4999999999999929"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="34" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
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                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
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                                            <Node score="7.233162795934389e-06">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="96.2650000000000148"/>
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                                            <Node score="0.01495450613396811">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="96.2650000000000148"/>
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                                        <Node score="-0.011540649480123295">
                                            <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.6573500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.023257001809515922">
                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
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                                <Node>
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                                            <Node score="0.0036058000409887646">
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                                            <Node score="-0.010920760637353267">
                                                <SimplePredicate field="orig_prcp_avg_m3" operator="greaterThan" value="99.3333500000000100"/>
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                                        <Node>
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-0.019967645028232252">
                                                <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                            </Node>
                                            <Node score="0.005793408933717736">
                                                <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="4531.1000000000012733"/>
                                        <Node>
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="0.0010927558107739336">
                                                <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.7366500000000001"/>
                                            </Node>
                                            <Node score="0.035119871259254073">
                                                <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.7366500000000001"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.0001028205399583453">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                </Node>
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                        <Segment id="36" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="82.5000000000000142"/>
                                        <Node score="-0.0014447778546659317">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="10812.6150000000016007"/>
                                        </Node>
                                        <Node score="0.024451145749685356">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="10812.6150000000016007"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="82.5000000000000142"/>
                                        <Node score="-0.0002910071253345705">
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="lessOrEqual" value="-22.4999999999999964"/>
                                        </Node>
                                        <Node score="-0.030456695761276815">
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="greaterThan" value="-22.4999999999999964"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="37" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="3147.5050000000005639"/>
                                            <Node score="0.015089815555030328">
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="247.9400000000000261"/>
                                            </Node>
                                            <Node score="-0.007107447652398221">
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="247.9400000000000261"/>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="3147.5050000000005639"/>
                                            <Node score="0.035401217651256124">
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="14057.3150000000005093"/>
                                            </Node>
                                            <Node score="0.0009297848927000559">
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="14057.3150000000005093"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-7.24155911984483e-05">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.031146978102577008">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="38" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                            <Node score="0.011638879092038042">
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.011699258418161954">
                                                <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.055520724085959455">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.021531158121849324">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="11.5000000000000018"/>
                                        </Node>
                                        <Node score="0.04070526094495459">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="11.5000000000000018"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="39" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="m_s_ps_instm_amt" operator="lessOrEqual" value="27.5850000000000044"/>
                                        <Node score="-0.003265211457837809">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.027267047895311664">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="m_s_ps_instm_amt" operator="greaterThan" value="27.5850000000000044"/>
                                        <Node>
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="2.5000000000000004"/>
                                            <Node score="0.03204995037154682">
                                                <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="0.0012878711758878385">
                                                <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.00010220654759337447">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="2.5000000000000004"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="40" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="19.7450000000000045"/>
                                        <Node score="0.01724427440062522">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="131.0350000000000250"/>
                                        </Node>
                                        <Node score="-0.0026842645748428374">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="131.0350000000000250"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="19.7450000000000045"/>
                                        <Node score="-0.026845141377734572">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="33.6550000000000082"/>
                                        </Node>
                                        <Node score="-0.006527689467342546">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="33.6550000000000082"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="41" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.01026058643685379">
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="lessOrEqual" value="-15.4999999999999982"/>
                                        </Node>
                                        <Node score="-0.00648529943887542">
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="greaterThan" value="-15.4999999999999982"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.01326543675128749">
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="lessOrEqual" value="-23.4999999999999964"/>
                                        </Node>
                                        <Node score="-0.041362522042920506">
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="greaterThan" value="-23.4999999999999964"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="42" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.016356267604284505">
                                        <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.9416500000000001"/>
                                            <Node score="0.003243922466329367">
                                                <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.6573500000000001"/>
                                            </Node>
                                            <Node score="-0.012904612556317873">
                                                <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.6573500000000001"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.05704837919803077">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.9416500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="43" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.011282435988953137">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="19.7450000000000045"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="19.7450000000000045"/>
                                        <Node score="-0.007658855996941856">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="lessOrEqual" value="1.3460500000000002"/>
                                        </Node>
                                        <Node score="-0.03367336606454357">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="greaterThan" value="1.3460500000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="44" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.020496690599537976">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0014763091971070946">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.8977500000000002"/>
                                        </Node>
                                        <Node score="0.011034498734173132">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.8977500000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="45" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
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                                <Node>
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                                    <Node score="0.0009334584952563363">
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
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                                    <Node score="-0.016938107596970467">
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
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                        <Segment id="46" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                        <Node score="-0.0195470386350372">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="705.0550000000001774"/>
                                        </Node>
                                        <Node score="-0.0011558242805945185">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="705.0550000000001774"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.005009474113445912">
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="47" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007842116021541773">
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.016239329647959717">
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="48" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="14416.2250000000021828"/>
                                        <Node score="-0.011713100909311509">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2808500000000000"/>
                                        </Node>
                                        <Node score="0.00088118767376949">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2808500000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.027437366838326944">
                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="14416.2250000000021828"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="49" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007099878117051657">
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.010838138767298904">
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="lessOrEqual" value="-23.4999999999999964"/>
                                        </Node>
                                        <Node score="-0.038145493034621863">
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="greaterThan" value="-23.4999999999999964"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="50" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.01565959993569659">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="35.0350000000000037"/>
                                    </Node>
                                    <Node score="0.0012125865093969893">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="35.0350000000000037"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="51" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                        <Node score="0.00466724174257307">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.01669723126020067">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                        <Node score="0.060053575288168286">
                                            <SimplePredicate field="last_loan_setl_tnr" operator="lessOrEqual" value="5.5000000000000009"/>
                                        </Node>
                                        <Node score="0.0017339432325712734">
                                            <SimplePredicate field="last_loan_setl_tnr" operator="greaterThan" value="5.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="52" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.015747732819952176">
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0913500000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0913500000000000"/>
                                        <Node score="0.004213247415855629">
                                            <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.6573500000000001"/>
                                        </Node>
                                        <Node score="-0.009549139915770586">
                                            <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.6573500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="53" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="19.7450000000000045"/>
                                        <Node score="0.017249443186241963">
                                            <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.4832500000000001"/>
                                        </Node>
                                        <Node score="4.775459036002053e-05">
                                            <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.4832500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="19.7450000000000045"/>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="3258.5650000000005093"/>
                                            <Node score="-0.034723321039671705">
                                                <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.010702002668003073">
                                                <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.005438570047724953">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="3258.5650000000005093"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="54" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006362884474987617">
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.0135782243349201">
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
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                            </TreeModel>
                        </Segment>
                        <Segment id="55" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="6.5000000000000009"/>
                                        <Node score="0.004170586870490141">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.016252237578272523">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.030395778252054403">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="6.5000000000000009"/>
                                    </Node>
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                        <Segment id="56" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
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                                <Node>
                                    <True/>
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                                            <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node>
                                            <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="0.012541043070829457">
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                                            </Node>
                                            <Node score="-0.00011745150288832064">
                                                <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.3138500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.016420846261333662">
                                        <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.9086500000000001"/>
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                            <True/>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
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                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="end_loan_to_cur_freq" operator="lessOrEqual" value="-15.4999999999999982"/>
                                        <Node score="0.004962763742305072">
                                            <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.6544500000000001"/>
                                        </Node>
                                        <Node score="-0.00841288494739758">
                                            <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.6544500000000001"/>
                                        </Node>
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                                    <Node score="-0.015365091841519008">
                                        <SimplePredicate field="end_loan_to_cur_freq" operator="greaterThan" value="-15.4999999999999982"/>
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                        <Segment id="58" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.014293266327461564">
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0913500000000000"/>
                                    </Node>
                                    <Node score="0.0011065124848003806">
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0913500000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="59" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.003574325228860535">
                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="4531.1000000000012733"/>
                                    </Node>
                                    <Node score="0.012234914785297884">
                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="4531.1000000000012733"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="60" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                        <Node score="0.004362103072953144">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.01428061135001359">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.031161895353040866">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="61" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.005109442297173399">
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                    </Node>
                                    <Node score="0.0052468767676533985">
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="62" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.000807328623631811">
                                        <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.024479066828500207">
                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="63" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7173500000000002"/>
                                        <Node score="-0.01698981965601589">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="77.5750000000000028"/>
                                        </Node>
                                        <Node score="-0.001025915123671187">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="77.5750000000000028"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7173500000000002"/>
                                        <Node score="0.010732590322473909">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.008165894130594247">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="64" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="m_s_ps_instm_amt" operator="lessOrEqual" value="27.5850000000000044"/>
                                        <Node>
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="-0.0058600309919351595">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="5428.9450000000006185"/>
                                            </Node>
                                            <Node score="0.02030860528807426">
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="5428.9450000000006185"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.026397180482980724">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="m_s_ps_instm_amt" operator="greaterThan" value="27.5850000000000044"/>
                                        <Node score="0.033319961134292614">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="-0.0022150591131020565">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="1.5000000000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="65" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.003518521579346778">
                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="3258.5650000000005093"/>
                                    </Node>
                                    <Node score="0.009743349811437542">
                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="3258.5650000000005093"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="66" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0013878239167606048">
                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="14416.2250000000021828"/>
                                    </Node>
                                    <Node score="0.021703853393670453">
                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="14416.2250000000021828"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="67" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.012518242236959862">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6229500000000001"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6229500000000001"/>
                                        <Node score="0.01089545581833116">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0043490010230275685">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="68" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.010713358108511673">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6229500000000001"/>
                                    </Node>
                                    <Node score="0.004665556479623795">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6229500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="69" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008855220269483417">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="247.9400000000000261"/>
                                    </Node>
                                    <Node score="-0.00882001943743935">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="247.9400000000000261"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="70" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.011473675949139889">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6229500000000001"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6229500000000001"/>
                                        <Node score="0.008813690829962363">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.004603278103170783">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="71" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00844141389837073">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="247.9400000000000261"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="247.9400000000000261"/>
                                        <Node score="-0.0008763023847414252">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.019269287153715675">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="72" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.9086500000000001"/>
                                        <Node score="-0.009807050228569087">
                                            <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="0.012413330922340107">
                                                <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.3138500000000001"/>
                                            </Node>
                                            <Node score="5.046194688763275e-06">
                                                <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.3138500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.017006098341421">
                                        <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.9086500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="73" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0014298981902422158">
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.013493905027232278">
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="74" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008689934370142365">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="19.7450000000000045"/>
                                    </Node>
                                    <Node score="-0.006831034430555699">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="19.7450000000000045"/>
                                    </Node>
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                            </TreeModel>
                        </Segment>
                        <Segment id="75" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0014104467066661049">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="5428.9450000000006185"/>
                                        </Node>
                                        <Node score="0.02019136762622766">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="5428.9450000000006185"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.010054776430804413">
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="76" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.009916373953698137">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6229500000000001"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6229500000000001"/>
                                        <Node>
                                            <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.5582500000000001"/>
                                            <Node score="-0.0036733826456438645">
                                                <SimplePredicate field="setl_prcp_ratio" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="0.013185778774327183">
                                                <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.004485988848170089">
                                            <SimplePredicate field="setl_prcp_ratio" operator="greaterThan" value="0.5582500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="77" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                        <Node score="0.00340828846608791">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.013794151326223929">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.021484915498880403">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="78" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="m_s_ps_instm_amt" operator="lessOrEqual" value="27.5850000000000044"/>
                                        <Node score="-0.0025837144422282917">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.022736710037300274">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="m_s_ps_instm_amt" operator="greaterThan" value="27.5850000000000044"/>
                                        <Node score="0.02843373134241929">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="2.5000000000000004"/>
                                        </Node>
                                        <Node score="-0.003223208224745013">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="2.5000000000000004"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="79" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.003335455439080242">
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                    <Node score="-0.00865825431386909">
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                        <Segment id="80" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="12.5000000000000018"/>
                                        <Node score="0.0029929475701097703">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.008927999897439264">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.032997546995797766">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="12.5000000000000018"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="81" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0037320432777335436">
                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1888.6250000000002274"/>
                                    </Node>
                                    <Node score="0.006185933975234074">
                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1888.6250000000002274"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="82" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="12.5000000000000018"/>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="-0.00615832201236383">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="807.2400000000001228"/>
                                            </Node>
                                            <Node score="0.008519116821106341">
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="807.2400000000001228"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.009593706485774442">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.03411443323007431">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="12.5000000000000018"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="83" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="m_s_ps_instm_amt" operator="lessOrEqual" value="27.5850000000000044"/>
                                        <Node score="-0.012968093563841198">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="2157.7350000000001273"/>
                                        </Node>
                                        <Node score="0.00017181164150120086">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="2157.7350000000001273"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.01654281838177176">
                                        <SimplePredicate field="m_s_ps_instm_amt" operator="greaterThan" value="27.5850000000000044"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="84" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007197501925865548">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="19.7450000000000045"/>
                                    </Node>
                                    <Node score="-0.005818204248478781">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="19.7450000000000045"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="85" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7211500000000001"/>
                                        <Node score="0.0024861778467177155">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.6750000000000002"/>
                                        </Node>
                                        <Node score="-0.016411679689641086">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.6750000000000002"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.005888666148304834">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7211500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="86" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.007406645985752566">
                                        <SimplePredicate field="m_s_ps_instm_amt" operator="lessOrEqual" value="27.5850000000000044"/>
                                    </Node>
                                    <Node score="0.01411063361928271">
                                        <SimplePredicate field="m_s_ps_instm_amt" operator="greaterThan" value="27.5850000000000044"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="87" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.003920348371293506">
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.008461827047533732">
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="88" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6229500000000001"/>
                                        <Node score="-0.0019456042400806878">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="849.2750000000002046"/>
                                        </Node>
                                        <Node score="-0.023086376876365933">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="849.2750000000002046"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6229500000000001"/>
                                        <Node score="0.011592403988295268">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="1.0050000000000001"/>
                                        </Node>
                                        <Node score="-0.0006710082667001125">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="1.0050000000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="89" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005442198975280294">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="247.9400000000000261"/>
                                    </Node>
                                    <Node score="-0.005448283949582989">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="247.9400000000000261"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="90" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004848996191442082">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="247.9400000000000261"/>
                                    </Node>
                                    <Node score="-0.004639824043760091">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="247.9400000000000261"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="91" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.003974697964464355">
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.007826606107874078">
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="92" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.007461965554905634">
                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.7765500000000001"/>
                                    </Node>
                                    <Node score="0.0027757401994688">
                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.7765500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="93" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0025287302114866696">
                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.1860500000000000"/>
                                    </Node>
                                    <Node score="-0.010085749320749985">
                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.1860500000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="94" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005307008218623849">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="247.9400000000000261"/>
                                    </Node>
                                    <Node score="-0.004625168046936115">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="247.9400000000000261"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="95" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.00889781632490535">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6229500000000001"/>
                                    </Node>
                                    <Node score="0.0037254815635462952">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6229500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="96" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0034806152640152665">
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.006890620048233314">
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="97" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.00631588025505481">
                                        <SimplePredicate field="m_s_ps_instm_amt" operator="lessOrEqual" value="27.5850000000000044"/>
                                    </Node>
                                    <Node score="0.014550698021511344">
                                        <SimplePredicate field="m_s_ps_instm_amt" operator="greaterThan" value="27.5850000000000044"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="98" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0013763154026561503">
                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.3326500000000001"/>
                                    </Node>
                                    <Node score="-0.01706141735843749">
                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.3326500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="99" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="m_s_ps_instm_amt" operator="lessOrEqual" value="27.5850000000000044"/>
                                        <Node score="-0.014483199300823332">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7041500000000002"/>
                                        </Node>
                                        <Node score="-8.452936289685666e-06">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7041500000000002"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.012055806596457276">
                                        <SimplePredicate field="m_s_ps_instm_amt" operator="greaterThan" value="27.5850000000000044"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="100" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0011173272361087636">
                                        <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="6034.6650000000008731"/>
                                    </Node>
                                    <Node score="0.023267715552807572">
                                        <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="6034.6650000000008731"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="101" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0011268363432641634">
                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.3326500000000001"/>
                                    </Node>
                                    <Node score="-0.01736059250389971">
                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.3326500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="102" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.003185478395426205">
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.0075325864370874695">
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="103" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.007631685873556337">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6229500000000001"/>
                                    </Node>
                                    <Node score="0.0035161360928246646">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6229500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="104" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="m_s_ps_instm_amt" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="setl_prcp_ratio" usageType="active"/>
                                    <MiningField name="last_loan_setl_tnr" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m3" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_usedrate_u30_daydelta_max" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.005979344490798163">
                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.8082500000000001"/>
                                    </Node>
                                    <Node score="0.003672347252330659">
                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.8082500000000001"/>
                                    </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>
