<?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 15:13:24.642706</Timestamp>
    </Header>
    <DataDictionary numberOfFields="41">
        <DataField name="min_apply_amt" optype="continuous" dataType="double"/>
        <DataField name="orig_prcp_avg_m12" optype="continuous" dataType="double"/>
        <DataField name="ps_int_amt_avg" optype="continuous" dataType="double"/>
        <DataField name="shd_pre_repay_amt_rate" optype="continuous" dataType="double"/>
        <DataField name="repay_amount_m6_all_shd_amt_pc" optype="continuous" dataType="double"/>
        <DataField name="avg_tnr" optype="continuous" dataType="double"/>
        <DataField name="ps_int_amt_sum" optype="continuous" dataType="double"/>
        <DataField name="suc_apprv_num_m6" optype="continuous" dataType="double"/>
        <DataField name="useratemore90maxcontimonsm12" optype="continuous" dataType="double"/>
        <DataField name="repay_amount_all_shd_amt_pc" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_credit_amount_m12" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_used_amt_m_max" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l30_used_amt_d_max" optype="continuous" dataType="double"/>
        <DataField name="useratemore70_m6_num" optype="continuous" dataType="double"/>
        <DataField name="useratemore70monthsubcurmonth" optype="continuous" dataType="double"/>
        <DataField name="max_loan_os_prcp_m12" optype="continuous" dataType="double"/>
        <DataField name="t_ps_od_days_max" optype="continuous" dataType="double"/>
        <DataField name="s_ps_od_days_max" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l30_limit_left_d_min" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l90_limit_left_d_min" optype="continuous" dataType="double"/>
        <DataField name="f_ps_od_days_max" optype="continuous" dataType="double"/>
        <DataField name="cre_l90_used_limit_amt_min" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_credit_amount_m3" optype="continuous" dataType="double"/>
        <DataField name="available_limit_amt" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_credit_amount_m6" optype="continuous" dataType="double"/>
        <DataField name="useratemore50maxcontimonsm12" optype="continuous" dataType="double"/>
        <DataField name="cre_l60_used_limit_rate_min" 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="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" optype="continuous" dataType="double"/>
        <DataField name="od_amt_m6_loan_os_prcp_m6_pc" optype="continuous" dataType="double"/>
        <DataField name="suc_apprv_num_m1" optype="continuous" dataType="double"/>
        <DataField name="od_amt_m12_loan_os_prcp_m12_pc" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l30_used_amt_d_min" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_gt0_m3_num_pc" optype="continuous" dataType="double"/>
        <DataField name="target" optype="categorical" dataType="integer">
            <Value value="0"/>
            <Value value="1"/>
        </DataField>
    </DataDictionary>
    <MiningModel modelName="LightGBModel" functionName="classification">
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            <MiningField name="min_apply_amt" usageType="active" optype="continuous"/>
            <MiningField name="orig_prcp_avg_m12" usageType="active" optype="continuous"/>
            <MiningField name="ps_int_amt_avg" usageType="active" optype="continuous"/>
            <MiningField name="shd_pre_repay_amt_rate" usageType="active" optype="continuous"/>
            <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active" optype="continuous"/>
            <MiningField name="avg_tnr" usageType="active" optype="continuous"/>
            <MiningField name="ps_int_amt_sum" usageType="active" optype="continuous"/>
            <MiningField name="suc_apprv_num_m6" usageType="active" optype="continuous"/>
            <MiningField name="useratemore90maxcontimonsm12" usageType="active" optype="continuous"/>
            <MiningField name="repay_amount_all_shd_amt_pc" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_used_amt_m_max" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l30_used_amt_d_max" usageType="active" optype="continuous"/>
            <MiningField name="useratemore70_m6_num" usageType="active" optype="continuous"/>
            <MiningField name="useratemore70monthsubcurmonth" usageType="active" optype="continuous"/>
            <MiningField name="max_loan_os_prcp_m12" usageType="active" optype="continuous"/>
            <MiningField name="t_ps_od_days_max" usageType="active" optype="continuous"/>
            <MiningField name="s_ps_od_days_max" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l30_limit_left_d_min" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l90_limit_left_d_min" usageType="active" optype="continuous"/>
            <MiningField name="f_ps_od_days_max" usageType="active" optype="continuous"/>
            <MiningField name="cre_l90_used_limit_amt_min" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active" optype="continuous"/>
            <MiningField name="available_limit_amt" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active" optype="continuous"/>
            <MiningField name="useratemore50maxcontimonsm12" usageType="active" optype="continuous"/>
            <MiningField name="cre_l60_used_limit_rate_min" 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="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active" optype="continuous"/>
            <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active" optype="continuous"/>
            <MiningField name="suc_apprv_num_m1" usageType="active" optype="continuous"/>
            <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l30_used_amt_d_min" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_gt0_m3_num_pc" 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="min_apply_amt" usageType="active"/>
                        <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                        <MiningField name="ps_int_amt_avg" usageType="active"/>
                        <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                        <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                        <MiningField name="avg_tnr" usageType="active"/>
                        <MiningField name="ps_int_amt_sum" usageType="active"/>
                        <MiningField name="suc_apprv_num_m6" usageType="active"/>
                        <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                        <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                        <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                        <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                        <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                        <MiningField name="useratemore70_m6_num" usageType="active"/>
                        <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                        <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                        <MiningField name="t_ps_od_days_max" usageType="active"/>
                        <MiningField name="s_ps_od_days_max" usageType="active"/>
                        <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                        <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                        <MiningField name="f_ps_od_days_max" usageType="active"/>
                        <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                        <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                        <MiningField name="available_limit_amt" usageType="active"/>
                        <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                        <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                        <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                        <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                        <MiningField name="apprv_num_m1" usageType="active"/>
                        <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                        <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                        <MiningField name="suc_apprv_num_m1" usageType="active"/>
                        <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                        <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                        <MiningField name="loan_os_prcp_gt0_m3_num_pc" 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="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="-2.2367133411922424">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="3121.2400000000002365"/>
                                            </Node>
                                            <Node score="-2.0841336070033325">
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="3121.2400000000002365"/>
                                            </Node>
                                        </Node>
                                        <Node score="-2.37091340755022">
                                            <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-2.3732092160852796">
                                        <SimplePredicate field="f_ps_od_days_max" 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="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.07352720165635263">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="952.5950000000001410"/>
                                        </Node>
                                        <Node score="0.17141953526054157">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="952.5950000000001410"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.10502761342519928">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="1.845231426985649e-05">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="3" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="1.3050000000000004"/>
                                            <Node score="0.11976573101913017">
                                                <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="0.03451860302447122">
                                                <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.23342814191026887">
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="1.3050000000000004"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.006872619565078488">
                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="4" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.11886137507753232">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="0.0360948155832822">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1371.4650000000001455"/>
                                            </Node>
                                            <Node score="0.1108391155486799">
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1371.4650000000001455"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.003820420330315442">
                                            <SimplePredicate field="f_ps_od_days_max" 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="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                        <Node>
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="0.0891393260837139">
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="0.027001359575674108">
                                                <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.16050422887168125">
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="4.603982985007306e-05">
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="6" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.09670537499552954">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="25.3200000000000038"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="25.3200000000000038"/>
                                            <Node score="0.013271645779830796">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7503500000000001"/>
                                            </Node>
                                            <Node score="0.07042687619860022">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7503500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.010778760962366199">
                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
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                        <Segment id="7" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <Node score="0.029025709342753194">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="952.5950000000001410"/>
                                        </Node>
                                        <Node score="0.08437220264379093">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="952.5950000000001410"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0257920048382774">
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                                        </Node>
                                        <Node score="-0.035997272752207474">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                        </Node>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.021847584051220437">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
                                            <Node score="0.05150753463459823">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7661500000000001"/>
                                            </Node>
                                            <Node score="0.10532451168706584">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7661500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.005876933797167194">
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
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                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="0.052311791134894425">
                                                <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                                <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                        <Node score="0.10630198556556647">
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node score="-0.019601415374538057">
                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0006606274305988126">
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
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                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
                                        <Node>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                <Node>
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                                </MiningSchema>
                                <Node>
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                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0938500000000000"/>
                                        <Node>
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                                            <Node score="0.0383566666437261">
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                                        </Node>
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.03783337417546436">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="237.6800000000000352"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="237.6800000000000352"/>
                                        <Node>
                                            <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="-0.004377943116492475">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7503500000000001"/>
                                            </Node>
                                            <Node score="0.03052064677321755">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7503500000000001"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.03606676784712066">
                                            <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="15" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        <Node score="-0.008226293450882983">
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="1.3050000000000004"/>
                                        </Node>
                                        <Node score="0.05671052010973324">
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="1.3050000000000004"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
                                        <Node score="0.006748950339611955">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                        </Node>
                                        <Node score="0.04080599623390932">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="16" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.01547170162476431">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1866.5150000000001000"/>
                                        </Node>
                                        <Node score="0.04830263409894738">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1866.5150000000001000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0048531849241953565">
                                            <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="500.5000000000000568"/>
                                        </Node>
                                        <Node score="-0.04850436530752499">
                                            <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="500.5000000000000568"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="17" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="0.011329594879927076">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="4632.0750000000016371"/>
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                                            <Node score="0.06679245984061713">
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="4632.0750000000016371"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.008529697780620113">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                    <Node score="0.05642140145657036">
                                        <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="18" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.01686118946707623">
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0938500000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0938500000000000"/>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7171500000000001"/>
                                            <Node score="0.023513559857713112">
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.007931255687388596">
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.03242009685037991">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="19" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.027127156274196096">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="237.6800000000000352"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="237.6800000000000352"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="lessOrEqual" value="1.0519000000000003"/>
                                            <Node score="0.016810852038307535">
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.011839933729672129">
                                                <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.0423536004204287">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="greaterThan" value="1.0519000000000003"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="20" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.00553418610721683">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="726.0350000000000819"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="726.0350000000000819"/>
                                        <Node score="1.673258049323769e-05">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                            <Node score="0.03525926328197021">
                                                <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                            </Node>
                                            <Node score="6.317620413608139e-05">
                                                <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="21" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="1.7614893504658175e-05">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="809.5200000000000955"/>
                                        </Node>
                                        <Node score="0.030732484015614518">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="809.5200000000000955"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.010734523213477785">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                        </Node>
                                        <Node score="0.061387479980515525">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="22" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="1.3550000000000002"/>
                                        <Node score="-0.01621727366048862">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="42.5450000000000088"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="42.5450000000000088"/>
                                            <Node score="6.307515100495949e-06">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7171500000000001"/>
                                            </Node>
                                            <Node score="0.022143689023235588">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.04542476041709291">
                                        <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="1.3550000000000002"/>
                                    </Node>
                                </Node>
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                        </Segment>
                        <Segment id="23" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node score="0.023323947729740717">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
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                                    <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="-0.008861774711322845">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="809.5200000000000955"/>
                                            </Node>
                                            <Node score="0.021595752253365165">
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="809.5200000000000955"/>
                                            </Node>
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                                        <Node score="-0.016337973606075692">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="24" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="4788.1250000000009095"/>
                                            <Node score="0.013580337544417374">
                                                <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.008067193903483469">
                                                <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.035679885493745116">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="4788.1250000000009095"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.014278001320146172">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="25" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                        <Node score="-0.0015145881757868264">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.7704500000000001"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.7704500000000001"/>
                                            <Node score="0.014328769681528731">
                                                <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="1.3550000000000002"/>
                                            </Node>
                                            <Node score="0.057786736512633226">
                                                <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="1.3550000000000002"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.021713331476798527">
                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="26" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        <Node score="0.006541722499352678">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="1095.2300000000002456"/>
                                        </Node>
                                        <Node score="-0.025269657983733106">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="1095.2300000000002456"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
                                        <Node score="-0.0009429285356043601">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                        </Node>
                                        <Node score="0.02048995632895976">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="27" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="4632.0750000000016371"/>
                                        <Node score="-0.023362872370357602">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="32.7600000000000122"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="32.7600000000000122"/>
                                            <Node score="0.002104409285002582">
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="6.5000000000000009"/>
                                            </Node>
                                            <Node score="0.04687172259619034">
                                                <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="6.5000000000000009"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.024990560361703617">
                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="4632.0750000000016371"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="28" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="0.01522661331712116">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-0.010231634637144438">
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                            </Node>
                                            <Node score="0.04721596364193569">
                                                <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0366257552105179">
                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="29" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4050.0000000000004547"/>
                                        <Node score="-0.000541566622368399">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="639.4350000000000591"/>
                                        </Node>
                                        <Node score="0.02065129226468325">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="639.4350000000000591"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4050.0000000000004547"/>
                                        <Node score="0.001858843344806601">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.023251466756669014">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="30" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="1.3750000000000002"/>
                                        <Node score="-0.013006648944940006">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="726.0350000000000819"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="726.0350000000000819"/>
                                            <Node score="-0.004782568911781233">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6798500000000001"/>
                                            </Node>
                                            <Node score="0.015591572279916473">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6798500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.03262971321061486">
                                        <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="1.3750000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="31" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="od_amt_m6_loan_os_prcp_m6_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.007582212216246983">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-0.018399931046796214">
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                            </Node>
                                            <Node score="0.04846449063967278">
                                                <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.029309812938190623">
                                        <SimplePredicate field="od_amt_m6_loan_os_prcp_m6_pc" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="32" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.015099046321940403">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.03385436373879695">
                                            <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="-0.009998850151369193">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7503500000000001"/>
                                            </Node>
                                            <Node score="0.01123028564649249">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7503500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="33" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        <Node score="0.014659730050353748">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0011304156466060992">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                        <Node score="-0.03680775057736252">
                                            <SimplePredicate field="orig_prcp_avg_m12" operator="lessOrEqual" value="2934.6733500000004824"/>
                                        </Node>
                                        <Node score="-1.9979879940327803e-05">
                                            <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="2934.6733500000004824"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="34" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                        <Node>
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                            <Node score="-0.026886878443701932">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="4632.0750000000016371"/>
                                            </Node>
                                            <Node score="-4.668460531227842e-05">
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="4632.0750000000016371"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.0027873301192142042">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.012246904306090827">
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="35" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="4632.0750000000016371"/>
                                        <Node>
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="-0.01492944739733424">
                                                <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="9.5000000000000018"/>
                                            </Node>
                                            <Node score="0.002743520187875076">
                                                <SimplePredicate field="avg_tnr" operator="greaterThan" value="9.5000000000000018"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.022512333418312498">
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.01880724816530165">
                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="4632.0750000000016371"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="36" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="8049.2300000000004729"/>
                                        <Node>
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                            <Node score="0.008769916082982167">
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.005980371431998347">
                                                <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.018586233057527154">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.021073870238943988">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="8049.2300000000004729"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="37" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4050.0000000000004547"/>
                                        <Node score="0.004181452219663065">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="13799.9700000000029831"/>
                                        </Node>
                                        <Node score="0.026681561580865622">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="13799.9700000000029831"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4050.0000000000004547"/>
                                        <Node score="-0.027598235276099187">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="45.4550000000000054"/>
                                        </Node>
                                        <Node score="-3.192891767502961e-06">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="45.4550000000000054"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="38" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" 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_now_l60_used_amt_m_min" usageType="active"/>
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                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
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                                <Node>
                                    <True/>
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                                        <Node score="0.01507773951994589">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.7899500000000002"/>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0013908672483542667">
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                                        <Node score="-0.046274773368330774">
                                            <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="831.5000000000001137"/>
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                        <Segment id="39" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="-0.003956192536804752">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="809.5200000000000955"/>
                                            </Node>
                                            <Node score="0.013249054069642864">
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="809.5200000000000955"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.01368005231283152">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.036137532091638315">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="40" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009499691710186001">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="237.6800000000000352"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="237.6800000000000352"/>
                                        <Node>
                                            <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="-0.005213319345042707">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="4788.1250000000009095"/>
                                            </Node>
                                            <Node score="0.015454786235815301">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="4788.1250000000009095"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.03315261724918235">
                                            <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4410.0000000000009095"/>
                                        <Node score="0.004033419919966341">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="10134.9450000000015280"/>
                                        </Node>
                                        <Node score="0.030239734811982204">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="10134.9450000000015280"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4410.0000000000009095"/>
                                        <Node score="-0.028396889938115673">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.6781500000000001"/>
                                        </Node>
                                        <Node score="-0.0014325991548804868">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.6781500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="42" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0025254152203607167">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7171500000000001"/>
                                        </Node>
                                        <Node score="0.011046080999724943">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
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                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.03804049535816174">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="54.0950000000000060"/>
                                        </Node>
                                        <Node score="-3.0679615305242855e-05">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="54.0950000000000060"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="43" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="11022.1600000000016735"/>
                                        <Node score="0.004077669842676042">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node>
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                                            <Node score="-0.016154503778304914">
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                                            <Node score="0.019136679310173578">
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                                    <Node score="0.0227604371774267">
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="639.4350000000000591"/>
                                            <Node score="0.0013336521864277327">
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                                            <Node score="-0.02462816612149472">
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="1095.2300000000002456"/>
                                            </Node>
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                                        <Node score="0.009396143977256619">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="639.4350000000000591"/>
                                        </Node>
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                                    <Node score="-0.013114850274057416">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
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                        <Segment id="45" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.010141448268156461">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.6781500000000001"/>
                                        </Node>
                                        <Node score="0.010563567394628198">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.6781500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.016598558279331536">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="76.5450000000000159"/>
                                        </Node>
                                        <Node score="0.004423483766114417">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="76.5450000000000159"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="46" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="-0.00019122437632381647">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1866.5150000000001000"/>
                                            </Node>
                                            <Node score="0.01622757133506627">
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1866.5150000000001000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.014507581545000998">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.026193939253755905">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="47" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="8.5000000000000018"/>
                                            <Node score="-0.019175305635210436">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7503500000000001"/>
                                            </Node>
                                            <Node score="0.0035262154337790965">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7503500000000001"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.008438130531853594">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="8.5000000000000018"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.01764501632284575">
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" 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="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="1.3750000000000002"/>
                                        <Node score="-0.0190183006032159">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="34.9350000000000094"/>
                                        </Node>
                                        <Node score="0.0009157407620133936">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="34.9350000000000094"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="1.3750000000000002"/>
                                        <Node score="0.034058146895338225">
                                            <SimplePredicate field="od_amt_m6_loan_os_prcp_m6_pc" operator="lessOrEqual" value="6.0650000000000004"/>
                                        </Node>
                                        <Node score="-0.005020067218432495">
                                            <SimplePredicate field="od_amt_m6_loan_os_prcp_m6_pc" operator="greaterThan" value="6.0650000000000004"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="49" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="1.3550000000000002"/>
                                        <Node score="0.00026262833761458076">
                                            <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="-0.030688624946539116">
                                            <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.5000000000000002"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="1.3550000000000002"/>
                                        <Node score="0.0011041070834276509">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.8960500000000001"/>
                                        </Node>
                                        <Node score="0.04814651336104832">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.8960500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="50" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0007211376347810465">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
                                            <Node score="0.0002135177106301184">
                                                <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="0.04774836456179426">
                                                <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.01601029975815002">
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="51" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="8049.2300000000004729"/>
                                        <Node score="0.0038450900998273294">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="337.4350000000000591"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="337.4350000000000591"/>
                                            <Node score="-0.00454520349124663">
                                                <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.034698367715624165">
                                                <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.013606873024664741">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="8049.2300000000004729"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="52" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4410.0000000000009095"/>
                                        <Node score="0.0013689172553380251">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="15482.5350000000016735"/>
                                        </Node>
                                        <Node score="0.017949256460507518">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="15482.5350000000016735"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4410.0000000000009095"/>
                                        <Node score="-0.01910296855920327">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.7704500000000001"/>
                                        </Node>
                                        <Node score="-3.787039277282567e-06">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.7704500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="53" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        <Node score="-0.004539600285687411">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6389500000000001"/>
                                        </Node>
                                        <Node score="0.0067380164143971254">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6389500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                        <Node score="-0.022532277836386776">
                                            <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="42.1583500000000058"/>
                                        </Node>
                                        <Node score="-2.4687191991457162e-05">
                                            <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="42.1583500000000058"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="54" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                        <Node score="-1.6925398023339877e-06">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.022210127851876392">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                        <Node score="-0.0011615499847210155">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                        </Node>
                                        <Node score="0.012970521279506906">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="55" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.003928852463380326">
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.013471767088960196">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="6.5000000000000009"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="6.5000000000000009"/>
                                            <Node score="0.0001289480245037617">
                                                <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.8644500000000001"/>
                                            </Node>
                                            <Node score="0.05502436279713974">
                                                <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.8644500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="56" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="6650.0000000000009095"/>
                                        <Node score="9.013596097422134e-07">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="4788.1250000000009095"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="4788.1250000000009095"/>
                                            <Node score="3.642275029400037e-05">
                                                <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.8728500000000001"/>
                                            </Node>
                                            <Node score="0.029543736921920045">
                                                <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.8728500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.010725587289481775">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="6650.0000000000009095"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="57" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="28.2050000000000018"/>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1682.9800000000002456"/>
                                            <Node score="-8.281188328577928e-05">
                                                <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="2040.0000000000002274"/>
                                            </Node>
                                            <Node score="-0.02976678993491009">
                                                <SimplePredicate field="min_apply_amt" operator="greaterThan" value="2040.0000000000002274"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.0008307838216975432">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1682.9800000000002456"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.0034212814428371237">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="28.2050000000000018"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="58" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                        <Node score="-0.00044122979395595785">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.020176115247753205">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                        <Node score="0.009117637805488353">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="143.6500000000000057"/>
                                        </Node>
                                        <Node score="-0.01469220076094235">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="143.6500000000000057"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="59" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" 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_now_l60_used_amt_m_min" usageType="active"/>
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                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <Node score="0.0023315680221107924">
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                                        <Node score="-0.012961670011433392">
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                                    <Node>
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                                        <Node score="0.009057842543678878">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="143.6500000000000057"/>
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                                        <Node score="-0.014080740662738945">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="143.6500000000000057"/>
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                                </Node>
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                        <Segment id="60" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="25.3200000000000038"/>
                                        <Node>
                                            <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="5.5000000000000009"/>
                                            <Node score="-0.0012669704760023702">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="12.5950000000000006"/>
                                            </Node>
                                            <Node score="0.02178701679077424">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="12.5950000000000006"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.007441859425787955">
                                            <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="5.5000000000000009"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.004119323560982713">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="25.3200000000000038"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="61" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="1.3550000000000002"/>
                                        <Node score="-0.0023019151347554163">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="10.5000000000000018"/>
                                        </Node>
                                        <Node score="0.03736316616922265">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="10.5000000000000018"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="1.3550000000000002"/>
                                        <Node score="6.738450342555004e-05">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.8960500000000001"/>
                                        </Node>
                                        <Node score="0.03865801158140136">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.8960500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="62" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="28.2050000000000018"/>
                                        <Node score="-0.019106792342009002">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1682.9800000000002456"/>
                                        </Node>
                                        <Node score="0.0009863465836225547">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1682.9800000000002456"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="28.2050000000000018"/>
                                        <Node score="-0.0032685583222883856">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.5900500000000001"/>
                                        </Node>
                                        <Node score="0.008565977165076668">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.5900500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="63" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005083784639150137">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="237.6800000000000352"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="237.6800000000000352"/>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="720.0100000000001046"/>
                                            <Node score="-0.0350406987263482">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="49.7050000000000054"/>
                                            </Node>
                                            <Node score="-0.001124921956995961">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="49.7050000000000054"/>
                                            </Node>
                                        </Node>
                                        <Node score="-7.356256069952862e-05">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="720.0100000000001046"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="64" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="11022.1600000000016735"/>
                                        <Node score="0.0024467355195699225">
                                            <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="-0.01805652096612504">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="76.5450000000000159"/>
                                            </Node>
                                            <Node score="0.0022012551605390092">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="76.5450000000000159"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.016699922215165225">
                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="11022.1600000000016735"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="65" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="1.3750000000000002"/>
                                        <Node score="0.004028642307620473">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="25.3200000000000038"/>
                                        </Node>
                                        <Node score="-0.006276204342258397">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="25.3200000000000038"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="1.3750000000000002"/>
                                        <Node score="0.02784015149207582">
                                            <SimplePredicate field="od_amt_m6_loan_os_prcp_m6_pc" operator="lessOrEqual" value="5.5150000000000006"/>
                                        </Node>
                                        <Node score="-0.000497578167158683">
                                            <SimplePredicate field="od_amt_m6_loan_os_prcp_m6_pc" operator="greaterThan" value="5.5150000000000006"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="66" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.004360669432386035">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6389500000000001"/>
                                        </Node>
                                        <Node score="0.006613859238007941">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6389500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.02196159672855705">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="4819.3150000000014188"/>
                                        </Node>
                                        <Node score="0.017502699497295434">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="4819.3150000000014188"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="67" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.8535500000000001"/>
                                        <Node score="0.0018202905779214338">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-0.0272288088085947">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="58.5350000000000037"/>
                                            </Node>
                                            <Node score="-0.00045222100182855515">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="58.5350000000000037"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.009585047584396253">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.8535500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="68" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="-0.00501582652725487">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.7704500000000001"/>
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                                        <Node>
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.7704500000000001"/>
                                            <Node score="-0.0029660781676000498">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.5893500000000002"/>
                                            </Node>
                                            <Node score="0.010742052861982578">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.5893500000000002"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.010444518834402271">
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="1.5000000000000002"/>
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                            </TreeModel>
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                        <Segment id="69" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004237940966329437">
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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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="5.5000000000000009"/>
                                            <Node score="-0.02652307215152966">
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                                            <Node score="-0.002494896506645096">
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                                        <Node score="0.014884019484461703">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
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                        <Segment id="70" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="-0.006419131341931822">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.5900500000000001"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.5900500000000001"/>
                                            <Node score="0.0010247544691573665">
                                                <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="0.02221443246217651">
                                                <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.02461898737051237">
                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="71" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0038084604040536964">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="809.5200000000000955"/>
                                        </Node>
                                        <Node score="0.006639515914812527">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="809.5200000000000955"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0018399841669458252">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                        </Node>
                                        <Node score="-0.026142968651690968">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="72" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4410.0000000000009095"/>
                                        <Node score="0.006406251056271111">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="1.5089500000000002"/>
                                        </Node>
                                        <Node score="-0.007669400916258294">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.5089500000000002"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4410.0000000000009095"/>
                                        <Node score="-0.012007334148206443">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.6504500000000001"/>
                                        </Node>
                                        <Node score="0.0016350346287488688">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.6504500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        </Segment>
                        <Segment id="73" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="-0.004214757654172212">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.7899500000000002"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.7899500000000002"/>
                                            <Node score="-0.0014756613793105696">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                            </Node>
                                            <Node score="0.010572367508533492">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
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                                        </Node>
                                    </Node>
                                    <Node score="-0.009240702905426773">
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="1.5000000000000002"/>
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                        <Segment id="74" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="4126.4300000000012005"/>
                                            <Node score="-0.0001113834101423128">
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                                            <Node score="-0.04434027258865975">
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                                        <Node score="0.0006768551763321648">
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                                    <Node score="0.0019219353520381639">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                </MiningSchema>
                                <Node>
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                                        <Node score="4.001547036273709e-07">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="11022.1600000000016735"/>
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                                        <Node score="0.01676915575973201">
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                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.024669582301485665">
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                                        <Node score="0.011032158882732793">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="4819.3150000000014188"/>
                                        </Node>
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                                </Node>
                            </TreeModel>
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                        <Segment id="76" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                        <Node score="-0.018535527486476064">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="361.8600000000000705"/>
                                        </Node>
                                        <Node score="-0.0003546567719010312">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="361.8600000000000705"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                        <Node score="0.008871515613720267">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="106.7850000000000108"/>
                                        </Node>
                                        <Node score="-0.0069953695102475885">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="106.7850000000000108"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="77" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7171500000000001"/>
                                        <Node score="-3.814147693997926e-06">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.012269875341104833">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
                                        <Node score="-0.006726841652149264">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.6781500000000001"/>
                                        </Node>
                                        <Node score="0.006497098631741604">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.6781500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="78" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="10.5000000000000018"/>
                                        <Node score="0.0023617165457302477">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-0.020180488110409265">
                                                <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                            </Node>
                                            <Node score="-4.68942628444002e-06">
                                                <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="1.5000000000000002"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.02780872006098458">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="10.5000000000000018"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="79" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        <Node score="0.0004739482467051432">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="6500.0900000000010550"/>
                                        </Node>
                                        <Node score="0.027695691471642393">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="6500.0900000000010550"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                        <Node score="-0.017682349007213872">
                                            <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="58.9327500000000057"/>
                                        </Node>
                                        <Node score="0.0025826986918362">
                                            <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="58.9327500000000057"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="80" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="11.5000000000000018"/>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1371.4650000000001455"/>
                                            <Node score="-0.033763879513265996">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="28.5250000000000021"/>
                                            </Node>
                                            <Node score="-0.005160778403461589">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="28.5250000000000021"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.00023195756963764993">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1371.4650000000001455"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.0060102410662072345">
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="11.5000000000000018"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="81" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.01307335068897143">
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="1847.5000000000002274"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="1847.5000000000002274"/>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="28.2050000000000018"/>
                                            <Node score="-0.022244433831480934">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1371.4650000000001455"/>
                                            </Node>
                                            <Node score="0.000304030414560697">
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1371.4650000000001455"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.0015772738864951253">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="28.2050000000000018"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="82" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="5571.8150000000014188"/>
                                        <Node score="0.0025472358872375886">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="3045.0000000000004547"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="3045.0000000000004547"/>
                                            <Node score="-4.22686795754013e-06">
                                                <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="2.5000000000000004"/>
                                            </Node>
                                            <Node score="-0.01628726642761913">
                                                <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="2.5000000000000004"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.007577246005699881">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="5571.8150000000014188"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="83" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                        <Node score="0.0015950221808495916">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-7.298273220219189e-06">
                                                <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="3650.0000000000004547"/>
                                            </Node>
                                            <Node score="-0.01850217583972641">
                                                <SimplePredicate field="min_apply_amt" operator="greaterThan" value="3650.0000000000004547"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.019196664958952534">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                    </Node>
                                </Node>
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                        <Segment id="84" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="3.5000000000000004"/>
                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="237.6800000000000352"/>
                                            <Node score="1.5163168139017748e-05">
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                                            <Node score="0.01858480319734427">
                                                <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="12.8189500000000027"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.0011576975191317377">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="237.6800000000000352"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.006156914724039335">
                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="3.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="85" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
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                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <Node score="-0.0028434146806951984">
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                                        <Node score="0.015787833545390265">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="6500.0900000000010550"/>
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                                    <Node>
                                        <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="4.856729227554315e-05">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.8960500000000001"/>
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                                        <Node score="0.03213837380271378">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.8960500000000001"/>
                                        </Node>
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                        <Segment id="86" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        <Node score="0.0001839938384491318">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="5999.4550000000008367"/>
                                        </Node>
                                        <Node score="0.025435766211232235">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="5999.4550000000008367"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                        <Node score="-0.016588326405731883">
                                            <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="58.9327500000000057"/>
                                        </Node>
                                        <Node score="-3.008803705111369e-05">
                                            <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="58.9327500000000057"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="87" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7807500000000002"/>
                                            <Node score="0.0006411768210507077">
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="1095.2300000000002456"/>
                                            </Node>
                                            <Node score="-0.012469712429210286">
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="1095.2300000000002456"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.006572740209906268">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7807500000000002"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.019424913201659132">
                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="88" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.006644845721183103">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.5900500000000001"/>
                                        </Node>
                                        <Node score="0.004674544445981198">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.5900500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.020768131275468782">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="4819.3150000000014188"/>
                                        </Node>
                                        <Node score="0.011840080730131078">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="4819.3150000000014188"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="89" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="6500.0900000000010550"/>
                                        <Node>
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="-0.005441773557498056">
                                                <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.5900500000000001"/>
                                            </Node>
                                            <Node score="0.004113194263678874">
                                                <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.5900500000000001"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.014928845934686763">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.017728542619626732">
                                        <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="6500.0900000000010550"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="90" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
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                                    <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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="28.2050000000000018"/>
                                        <Node score="-7.87598518289866e-06">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="1566.6850000000001728"/>
                                        </Node>
                                        <Node score="-0.019036725048146127">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="1566.6850000000001728"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="28.2050000000000018"/>
                                        <Node score="0.004749328569511902">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="143.6500000000000057"/>
                                        </Node>
                                        <Node score="-0.013360927670213973">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="143.6500000000000057"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="91" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.003992248474446198">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.7899500000000002"/>
                                        </Node>
                                        <Node score="0.005848253315833444">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.7899500000000002"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0019839150246153086">
                                            <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="831.5000000000001137"/>
                                        </Node>
                                        <Node score="-0.0320702146399421">
                                            <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="831.5000000000001137"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="92" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                        <Node score="0.0022800218290111034">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.008917818008360055">
                                            <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="5.5000000000000009"/>
                                        <Node score="0.00011258769322264175">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.029582317505630132">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="93" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.006087866515857035">
                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.5900500000000001"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.5900500000000001"/>
                                        <Node score="4.51625886942563e-07">
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="1.3050000000000004"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="1.3050000000000004"/>
                                            <Node score="0.034344728331652835">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="1.0768500000000001"/>
                                            </Node>
                                            <Node score="0.00015992457956144079">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.0768500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="94" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="-0.004391391467769543">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.5900500000000001"/>
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                                        <Node>
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.5900500000000001"/>
                                            <Node score="-0.00021940339253898538">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7337500000000001"/>
                                            </Node>
                                            <Node score="0.008963942170106227">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7337500000000001"/>
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                                    </Node>
                                    <Node score="-0.020004934767055147">
                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
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                        <Segment id="95" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" 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_now_l60_used_amt_m_min" usageType="active"/>
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                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <Node score="-0.007199340753111698">
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                                    <Node>
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                                        <Node score="-0.020021192650252404">
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                                        <Node score="-0.00021385731114530678">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.6781500000000001"/>
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                        <Segment id="96" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                        <Node score="0.0011818644532169684">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.00782949542231668">
                                            <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="5.5000000000000009"/>
                                        <Node score="0.02599768667065774">
                                            <SimplePredicate field="od_amt_m12_loan_os_prcp_m12_pc" operator="lessOrEqual" value="1.2650000000000003"/>
                                        </Node>
                                        <Node score="-0.0018529528446092067">
                                            <SimplePredicate field="od_amt_m12_loan_os_prcp_m12_pc" operator="greaterThan" value="1.2650000000000003"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="97" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4050.0000000000004547"/>
                                        <Node>
                                            <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="5.5000000000000009"/>
                                            <Node score="0.008587936405507039">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="1.5089500000000002"/>
                                            </Node>
                                            <Node score="-0.0064789894141673516">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.5089500000000002"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.009368052671622436">
                                            <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="5.5000000000000009"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.005022169015347167">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4050.0000000000004547"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="98" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node>
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="1.3550000000000002"/>
                                            <Node score="-0.0011340659705550895">
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="4.5000000000000009"/>
                                            </Node>
                                            <Node score="0.027927327420792285">
                                                <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="4.5000000000000009"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.015451807642426494">
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="1.3550000000000002"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.00808050863946635">
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
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                        <Segment id="99" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                        <Node score="-0.008393717964127603">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.8535500000000001"/>
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                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.8535500000000001"/>
                                            <Node score="-0.006964260557609089">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="639.4350000000000591"/>
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                                            <Node score="0.013015609956261597">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="639.4350000000000591"/>
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                                    <Node score="0.003334685617912721">
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
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                        <Segment id="100" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <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_now_l60_used_amt_m_min" usageType="active"/>
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                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <Node score="-0.037216708372478834">
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                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="28.2050000000000018"/>
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                                        </Node>
                                        <Node score="0.016876228232620114">
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="0.0000000000000000"/>
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                        <Segment id="101" 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="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" 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_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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="1222.0250000000003183"/>
                                        <Node score="-0.014185205593248743">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="23.3750000000000036"/>
                                        </Node>
                                        <Node score="-2.558055193322512e-06">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="23.3750000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="1222.0250000000003183"/>
                                        <Node score="-0.0008879868719923231">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7807500000000002"/>
                                        </Node>
                                        <Node score="0.009958481949037899">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7807500000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="102" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="337.4350000000000591"/>
                                        <Node>
                                            <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="5.5000000000000009"/>
                                            <Node score="-0.0019081474170555785">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="12.5950000000000006"/>
                                            </Node>
                                            <Node score="0.014018237261149116">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="12.5950000000000006"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.006678640122382062">
                                            <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="5.5000000000000009"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.003866175535531804">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="337.4350000000000591"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="103" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0019810292287559066">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="5571.8150000000014188"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="5571.8150000000014188"/>
                                        <Node score="-0.0054019000057285195">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.4393500000000001"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.4393500000000001"/>
                                            <Node score="0.020890333799833818">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="109.3050000000000210"/>
                                            </Node>
                                            <Node score="3.200176168060943e-05">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="109.3050000000000210"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="104" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0031985649871317523">
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4050.0000000000004547"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4050.0000000000004547"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.7704500000000001"/>
                                            <Node score="-0.022664934175125558">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.8249500000000001"/>
                                            </Node>
                                            <Node score="-5.1849980303835304e-05">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.8249500000000001"/>
                                            </Node>
                                        </Node>
                                        <Node score="-2.5150317506692003e-06">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.7704500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="105" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="11.5000000000000018"/>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="2485.9350000000004002"/>
                                            <Node score="-5.8954249260782204e-06">
                                                <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="3045.0000000000004547"/>
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                                            <Node score="-0.015106391300885539">
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                                        <Node score="0.0018031163889636538">
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                                        </Node>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" 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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                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                        <Node score="-5.021283283313446e-06">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="96.7150000000000176"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="96.7150000000000176"/>
                                            <Node score="-6.323427576492822e-05">
                                                <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4050.0000000000004547"/>
                                            </Node>
                                            <Node score="-0.034575572238211796">
                                                <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4050.0000000000004547"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.0021389046125000265">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="107" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="28.2050000000000018"/>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1682.9800000000002456"/>
                                            <Node score="-5.83691701985434e-05">
                                                <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="2040.0000000000002274"/>
                                            </Node>
                                            <Node score="-0.022759161087308587">
                                                <SimplePredicate field="min_apply_amt" operator="greaterThan" value="2040.0000000000002274"/>
                                            </Node>
                                        </Node>
                                        <Node score="-1.1593130103373567e-05">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1682.9800000000002456"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.0014423501115872212">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="28.2050000000000018"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="108" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="11.5000000000000018"/>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7337500000000001"/>
                                            <Node score="-0.014642249527824232">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="117.8950000000000244"/>
                                            </Node>
                                            <Node score="-1.9920850864461827e-05">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="117.8950000000000244"/>
                                            </Node>
                                        </Node>
                                        <Node score="-1.219711230095785e-06">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7337500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.003875938119280432">
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="11.5000000000000018"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="109" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.002795534601581799">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="143.6500000000000057"/>
                                        </Node>
                                        <Node score="-0.008303204447166439">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="143.6500000000000057"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.02684267566755443">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="54.0950000000000060"/>
                                        </Node>
                                        <Node score="-1.5507616076690327e-05">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="54.0950000000000060"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="110" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="2.5000000000000004"/>
                                        <Node score="-0.0026820771320937853">
                                            <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="10.7456500000000013"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="10.7456500000000013"/>
                                            <Node score="0.016463226491594263">
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="930.7050000000000409"/>
                                            </Node>
                                            <Node score="6.4842025863468434e-06">
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="930.7050000000000409"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0034354925255469216">
                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="111" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="271.3800000000000523"/>
                                        <Node score="0.0051797157138001836">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-6.157951158133008e-07">
                                                <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="1.5000000000000002"/>
                                            </Node>
                                            <Node score="-0.015446887333862246">
                                                <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="1.5000000000000002"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.014796987553574267">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="271.3800000000000523"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="112" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="0.0035915803621832305">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="3.5000000000000004"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="3.5000000000000004"/>
                                            <Node score="-0.008187314412632556">
                                                <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="98.2250000000000085"/>
                                            </Node>
                                            <Node score="0.010794255399439153">
                                                <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="98.2250000000000085"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.02224272506983192">
                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="113" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="20501.4700000000048021"/>
                                            <Node score="0.0008681651859907831">
                                                <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="21419.9550000000053842"/>
                                            </Node>
                                            <Node score="0.015481750103845214">
                                                <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="21419.9550000000053842"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.013435194713295701">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="20501.4700000000048021"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.006399290451220072">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="114" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="2.5000000000000004"/>
                                            <Node score="-0.0012232240367224174">
                                                <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="1.3550000000000002"/>
                                            </Node>
                                            <Node score="0.018331470492606146">
                                                <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="1.3550000000000002"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.014806306521670172">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="2.5000000000000004"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.0114489625670426">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="115" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="11.5000000000000018"/>
                                        <Node>
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="4678.8400000000010550"/>
                                            <Node score="-0.014939071163852903">
                                                <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="2.6782500000000007"/>
                                            </Node>
                                            <Node score="0.0006665188520366402">
                                                <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="2.6782500000000007"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.0007163692535635413">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="4678.8400000000010550"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.004800458344142706">
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="11.5000000000000018"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="116" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.004666235633273499">
                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.5900500000000001"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.5900500000000001"/>
                                        <Node score="5.503864596252177e-07">
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="0.024049758037567346">
                                                <SimplePredicate field="od_amt_m6_loan_os_prcp_m6_pc" operator="lessOrEqual" value="6.0650000000000004"/>
                                            </Node>
                                            <Node score="0.00029892238406630764">
                                                <SimplePredicate field="od_amt_m6_loan_os_prcp_m6_pc" operator="greaterThan" value="6.0650000000000004"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="117" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                        <Node score="-3.691869825388508e-06">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="96.7150000000000176"/>
                                        </Node>
                                        <Node score="-0.01569880169052038">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="96.7150000000000176"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                        <Node score="-0.004833533750878241">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.2353000000000000"/>
                                        </Node>
                                        <Node score="0.004463920920999593">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.2353000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="118" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="10.7456500000000013"/>
                                        <Node score="-2.5778642885456124e-06">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="2.5000000000000004"/>
                                        </Node>
                                        <Node score="-0.02109725318032604">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="2.5000000000000004"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="10.7456500000000013"/>
                                        <Node score="0.009703274523980324">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="-0.0005682869601996634">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="1.5000000000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="119" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008078256820365615">
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="1847.5000000000002274"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="1847.5000000000002274"/>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1113.3350000000002638"/>
                                            <Node score="-0.01570997530578185">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="28.2050000000000018"/>
                                            </Node>
                                            <Node score="-0.0004919835417827341">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="28.2050000000000018"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.0016634540694225786">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1113.3350000000002638"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="120" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="237.6800000000000352"/>
                                        <Node>
                                            <SimplePredicate field="useratemore50maxcontimonsm12" operator="lessOrEqual" value="5.5000000000000009"/>
                                            <Node score="2.773617482037672e-05">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="12.5950000000000006"/>
                                            </Node>
                                            <Node score="0.01839793495953224">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="12.5950000000000006"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.0011039633250183813">
                                            <SimplePredicate field="useratemore50maxcontimonsm12" operator="greaterThan" value="5.5000000000000009"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.003657628320089793">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="237.6800000000000352"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="121" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.4646500000000001"/>
                                        <Node score="7.745029016698298e-06">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="0.0009334768885520678">
                                                <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="8.5000000000000018"/>
                                            </Node>
                                            <Node score="0.07570894910879818">
                                                <SimplePredicate field="avg_tnr" operator="greaterThan" value="8.5000000000000018"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.00045339608184763073">
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.4646500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="122" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="19240.3350000000027649"/>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="-0.02620919235501427">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="76.5450000000000159"/>
                                            </Node>
                                            <Node score="-4.6306575289090325e-05">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="76.5450000000000159"/>
                                            </Node>
                                        </Node>
                                        <Node score="-1.800727341334782e-07">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.025989413293550055">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="19240.3350000000027649"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="123" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="4819.3150000000014188"/>
                                        <Node score="0.0006273813172557154">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.015835545483892256">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="4819.3150000000014188"/>
                                        <Node score="0.02287006393953098">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.00016191973033045798">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="124" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="3.5000000000000004"/>
                                        <Node score="0.0015248721820211911">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-8.486846960123247e-06">
                                                <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="3650.0000000000004547"/>
                                            </Node>
                                            <Node score="-0.01781096993458615">
                                                <SimplePredicate field="min_apply_amt" operator="greaterThan" value="3650.0000000000004547"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.009081837674531803">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="3.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="125" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.7327500000000001"/>
                                            <Node score="0.01932564402722308">
                                                <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                            </Node>
                                            <Node score="1.3362896204360723e-05">
                                                <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="2.5000000000000004"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.0002860810696838997">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.7327500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.014977093342362753">
                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="126" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="271.3800000000000523"/>
                                        <Node score="-0.0013093767084108535">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="5571.8150000000014188"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="5571.8150000000014188"/>
                                            <Node score="3.61293518400352e-05">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="54.0950000000000060"/>
                                            </Node>
                                            <Node score="0.012494053786150101">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="54.0950000000000060"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.013625256522728198">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="271.3800000000000523"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="127" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.004870610874694361">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                        <Node score="-0.005947664266545684">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.2353000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.2353000000000000"/>
                                            <Node score="0.00814737702353687">
                                                <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="4.5000000000000009"/>
                                            </Node>
                                            <Node score="-0.0016793250763168799">
                                                <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="4.5000000000000009"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="128" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="11.5000000000000018"/>
                                        <Node score="-0.007040220639240654">
                                            <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="12.8189500000000027"/>
                                        </Node>
                                        <Node score="-1.0893895777029258e-06">
                                            <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="12.8189500000000027"/>
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                                    <Node>
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                                        </Node>
                                        <Node score="-0.005459889837762715">
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                                </Node>
                            </TreeModel>
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                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <Node score="-0.007459234955088319">
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                                        <Node score="0.015250757098227305">
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
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                                <Node>
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                                </MiningSchema>
                                <Node>
                                    <True/>
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                                            <Node score="-0.009947633412879981">
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                                            <Node score="-3.561815213336112e-05">
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                                        <Node score="0.0010197335662211426">
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                                    </Node>
                                    <Node score="0.007039201320614581">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="8049.2300000000004729"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="133" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002443919409943865">
                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="3.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="3.5000000000000004"/>
                                        <Node>
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="98.2250000000000085"/>
                                            <Node score="-0.0017283789335379913">
                                                <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="97.2050000000000125"/>
                                            </Node>
                                            <Node score="-0.03213778175158388">
                                                <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="97.2050000000000125"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.01014583127650734">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="98.2250000000000085"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="134" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                        <Node score="5.169496370390379e-05">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="96.3250000000000028"/>
                                        </Node>
                                        <Node score="-0.008857284948850328">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="96.3250000000000028"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                        <Node score="0.004033421145829473">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="143.6500000000000057"/>
                                        </Node>
                                        <Node score="-0.01229971441673082">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="143.6500000000000057"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="135" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="9.5000000000000018"/>
                                        <Node score="0.0019307066000615225">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="92.9950000000000188"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="92.9950000000000188"/>
                                            <Node score="-0.011410848516735335">
                                                <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="2.5000000000000004"/>
                                            </Node>
                                            <Node score="0.002974113227733727">
                                                <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="2.5000000000000004"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.0013138137105760137">
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="9.5000000000000018"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="136" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="237.6800000000000352"/>
                                        <Node score="-0.0005393640893972748">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-0.001918468178578797">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="18.1550000000000047"/>
                                            </Node>
                                            <Node score="0.03129855627471466">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="18.1550000000000047"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0027986073846451897">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="237.6800000000000352"/>
                                    </Node>
                                </Node>
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                        <Segment id="137" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
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                                    <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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                        <Node score="0.0007260173181340963">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.006873993846053382">
                                            <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="5.5000000000000009"/>
                                        <Node score="0.01870036079034554">
                                            <SimplePredicate field="od_amt_m6_loan_os_prcp_m6_pc" operator="lessOrEqual" value="2.8350000000000004"/>
                                        </Node>
                                        <Node score="0.00011672759120681623">
                                            <SimplePredicate field="od_amt_m6_loan_os_prcp_m6_pc" operator="greaterThan" value="2.8350000000000004"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="138" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="28.2050000000000018"/>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.8102500000000001"/>
                                            <Node score="-3.614196600899318e-05">
                                                <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="92.9950000000000188"/>
                                            </Node>
                                            <Node score="-0.02036582748973612">
                                                <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="92.9950000000000188"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.0006454627456266386">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.8102500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.00072905150078857">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="28.2050000000000018"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="139" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="271.3800000000000523"/>
                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="237.6800000000000352"/>
                                            <Node score="6.393100089074187e-06">
                                                <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.5900500000000001"/>
                                            </Node>
                                            <Node score="0.00845714025288099">
                                                <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.5900500000000001"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.0013691626380910094">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="237.6800000000000352"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.012210205019058028">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="271.3800000000000523"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="140" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="271.3800000000000523"/>
                                        <Node score="2.988794544916821e-07">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="8049.2300000000004729"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="8049.2300000000004729"/>
                                            <Node score="-0.00766417292607345">
                                                <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.4393500000000001"/>
                                            </Node>
                                            <Node score="0.017655016872784066">
                                                <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.4393500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.010931757408907661">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="271.3800000000000523"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="141" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.8535500000000001"/>
                                        <Node score="-0.0033951511921942574">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="9466.5350000000016735"/>
                                        </Node>
                                        <Node score="0.014525344879614321">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="9466.5350000000016735"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.8535500000000001"/>
                                        <Node score="-0.0014633761317635516">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="4678.8400000000010550"/>
                                        </Node>
                                        <Node score="0.010371620491393492">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="4678.8400000000010550"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="142" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="1847.5000000000002274"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="499.6200000000000614"/>
                                            <Node score="0.0002109283940415897">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="361.8600000000000705"/>
                                            </Node>
                                            <Node score="0.03277896918798446">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="361.8600000000000705"/>
                                            </Node>
                                        </Node>
                                        <Node score="2.009488465593847e-05">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="499.6200000000000614"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.000789701482741632">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="1847.5000000000002274"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="143" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="11.5000000000000018"/>
                                        <Node score="-5.520277256678412e-07">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-0.016524587404799923">
                                                <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="15482.5350000000016735"/>
                                            </Node>
                                            <Node score="-3.244591455470501e-05">
                                                <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="15482.5350000000016735"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.003731933951482211">
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="11.5000000000000018"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="144" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.8535500000000001"/>
                                        <Node>
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="0.007177325538194543">
                                                <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="1.5000000000000002"/>
                                            </Node>
                                            <Node score="-0.002614096793288975">
                                                <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="1.5000000000000002"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.006425426924527007">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.005166758118234339">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.8535500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="145" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                        <Node score="0.00024039888672326503">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4050.0000000000004547"/>
                                        </Node>
                                        <Node score="-0.010695013576579293">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4050.0000000000004547"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                        <Node score="0.00420019404047033">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="20501.4700000000048021"/>
                                        </Node>
                                        <Node score="-0.00865795556232678">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="20501.4700000000048021"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="146" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="20501.4700000000048021"/>
                                        <Node score="1.4795498602916534e-07">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="2122.2800000000002001"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="2122.2800000000002001"/>
                                            <Node score="4.6025527469254093e-05">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="726.0350000000000819"/>
                                            </Node>
                                            <Node score="0.023112473674435922">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="726.0350000000000819"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.010418114036971623">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="20501.4700000000048021"/>
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                        <Segment id="147" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
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                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="6.5000000000000009"/>
                                        <Node score="-0.0029484195399872687">
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="1.3550000000000002"/>
                                        </Node>
                                        <Node score="0.00852353922096692">
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="1.3550000000000002"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="6.5000000000000009"/>
                                        <Node score="0.024402556726682366">
                                            <SimplePredicate field="od_amt_m12_loan_os_prcp_m12_pc" operator="lessOrEqual" value="0.6650000000000001"/>
                                        </Node>
                                        <Node score="9.12003070471285e-05">
                                            <SimplePredicate field="od_amt_m12_loan_os_prcp_m12_pc" operator="greaterThan" value="0.6650000000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="148" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="3012.1900000000005093"/>
                                        <Node score="2.6637801178110776e-07">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="1911.1200000000001182"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="1911.1200000000001182"/>
                                            <Node score="0.014529535923262801">
                                                <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="1.5000000000000002"/>
                                            </Node>
                                            <Node score="0.00010834292017564736">
                                                <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="1.5000000000000002"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.004728591711201929">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="3012.1900000000005093"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="-0.0036469954853805666">
                                            <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="10.7456500000000013"/>
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                                        <Node>
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                                            <Node score="0.020074237618498202">
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="930.7050000000000409"/>
                                            </Node>
                                            <Node score="9.316597522322914e-06">
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                                        </Node>
                                    </Node>
                                    <Node score="-0.001929900329668596">
                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="1.5000000000000002"/>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node score="-0.0016202805080706467">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="4120.0750000000007276"/>
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                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="4120.0750000000007276"/>
                                        <Node score="-0.0007274861061049887">
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                                        <Node>
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                                                <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="5.5000000000000009"/>
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                                            <Node score="0.00017889202932337846">
                                                <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="5.5000000000000009"/>
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                                <MiningSchema>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                </MiningSchema>
                                <Node>
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                                    <Node score="0.0066786592927092995">
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                                        <Node score="-0.01215521910702173">
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                                        <Node>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                        <Segment id="153" weight="1">
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="12.5000000000000018"/>
                                        <Node>
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="0.003031338550812023">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="90.4900000000000233"/>
                                            </Node>
                                            <Node score="-0.0028338591657793436">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="90.4900000000000233"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.005097012856200632">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.01429901925305116">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="12.5000000000000018"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="154" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        <Node score="0.008996759138069545">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.6792000000000001"/>
                                        </Node>
                                        <Node score="4.902758195262282e-07">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.6792000000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                        <Node score="-0.019496036334480403">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="1222.0250000000003183"/>
                                        </Node>
                                        <Node score="-4.967908650414995e-06">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="1222.0250000000003183"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="155" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="1222.0250000000003183"/>
                                        <Node score="-3.2253119751989873e-06">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="95.9550000000000125"/>
                                        </Node>
                                        <Node score="-0.009825180732794042">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="95.9550000000000125"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="1222.0250000000003183"/>
                                        <Node score="0.004457367644506272">
                                            <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="5.5000000000000009"/>
                                        </Node>
                                        <Node score="-0.005182681082604776">
                                            <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="5.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="156" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.00342731765694818">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="13994.7900000000026921"/>
                                            <Node score="0.0017833720764712654">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="804.9050000000000864"/>
                                            </Node>
                                            <Node score="-0.00892568957091215">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="804.9050000000000864"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.029422959517369635">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="13994.7900000000026921"/>
                                        </Node>
                                    </Node>
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                            </TreeModel>
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                        <Segment id="157" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
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                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node score="-2.4573120561527396e-08">
                                        <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="1.5000000000000002"/>
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                                    <Node>
                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node>
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                                            <Node score="-0.02903811799638239">
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                                            </Node>
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                                        <Node score="-0.00013677287620257627">
                                            <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="12450.0000000000018190"/>
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                        <Segment id="158" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0008884975217664794">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="2903.0250000000005457"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="2903.0250000000005457"/>
                                        <Node>
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="7.5000000000000009"/>
                                            <Node score="-0.01802769512836192">
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="2.5000000000000004"/>
                                            </Node>
                                            <Node score="-0.0001940291862740441">
                                                <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="2.5000000000000004"/>
                                            </Node>
                                        </Node>
                                        <Node score="-3.750860205489075e-06">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="7.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="159" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002366170758434039">
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="3505.0000000000004547"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="3505.0000000000004547"/>
                                        <Node score="-0.009560675414578898">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="952.5950000000001410"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="952.5950000000001410"/>
                                            <Node score="0.004192505845651903">
                                                <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="2.5000000000000004"/>
                                            </Node>
                                            <Node score="-0.004735046944188712">
                                                <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="2.5000000000000004"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="160" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.003508077807908257">
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="2995.0000000000004547"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="2995.0000000000004547"/>
                                        <Node score="-9.786089258315866e-07">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="2.5000000000000004"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="2.5000000000000004"/>
                                            <Node score="-0.012797666218247267">
                                                <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.2353000000000000"/>
                                            </Node>
                                            <Node score="-0.00019593810405046184">
                                                <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.2353000000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="161" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="19240.3350000000027649"/>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="-0.01972681719686364">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="76.5450000000000159"/>
                                            </Node>
                                            <Node score="-3.6751130116620624e-05">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="76.5450000000000159"/>
                                            </Node>
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                                        <Node score="0.0007254765364740349">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.020827479690524196">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="19240.3350000000027649"/>
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                        <Segment id="162" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                <Node>
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                                    </Node>
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                                <MiningSchema>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" 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_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="1.9845943963923758e-06">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="4120.0750000000007276"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="4120.0750000000007276"/>
                                            <Node score="0.018216514520128506">
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="14517.1200000000008004"/>
                                            </Node>
                                            <Node score="5.63552439781889e-05">
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="14517.1200000000008004"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0014352173920000213">
                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="164" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="20501.4700000000048021"/>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="188.0800000000000125"/>
                                            <Node score="0.0008995128141282885">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="10134.9450000000015280"/>
                                            </Node>
                                            <Node score="0.014406012932587305">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="10134.9450000000015280"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.005919992090702165">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="188.0800000000000125"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.009343167524138652">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="20501.4700000000048021"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="165" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.00300507308474253">
                                        <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="10.7456500000000013"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="10.7456500000000013"/>
                                        <Node>
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="1.5000000000000002"/>
                                            <Node score="0.010715978427140376">
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                                            </Node>
                                            <Node score="2.9913856948806593e-05">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="3547.9250000000006366"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.0006316418272593778">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="1.5000000000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="166" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="271.3800000000000523"/>
                                        <Node>
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.6504500000000001"/>
                                            <Node score="0.0019235739759505036">
                                                <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4050.0000000000004547"/>
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                                            <Node score="-0.006666293858297835">
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                                        <Node score="0.005337000231627411">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.6504500000000001"/>
                                        </Node>
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                                    <Node score="-0.009756467002552026">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="271.3800000000000523"/>
                                    </Node>
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                        <Segment id="167" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                            <Node score="1.8431323112098636e-07">
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                                    <Node score="0.011883407835538578">
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
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                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="19240.3350000000027649"/>
                                        <Node score="-0.0024414366578788104">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="11.5000000000000018"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="11.5000000000000018"/>
                                            <Node score="0.009117071616009253">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="1.0768500000000001"/>
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                                            <Node score="-0.001030589265478168">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.0768500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.018014177477871287">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="19240.3350000000027649"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="169" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="3012.1900000000005093"/>
                                        <Node score="-2.3534073484273654e-05">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="1911.1200000000001182"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="1911.1200000000001182"/>
                                            <Node score="6.643706827771112e-05">
                                                <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="12.8189500000000027"/>
                                            </Node>
                                            <Node score="0.014382978113049295">
                                                <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="12.8189500000000027"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0054184164699581224">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="3012.1900000000005093"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="170" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="188.0800000000000125"/>
                                        <Node score="0.0017057277909129243">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="-0.005239099456614943">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="1.5000000000000002"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="188.0800000000000125"/>
                                        <Node score="-0.00011798634040089002">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="237.3100000000000307"/>
                                        </Node>
                                        <Node score="-0.013947290383671892">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="237.3100000000000307"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="171" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="1.5000000000000002"/>
                                            <Node score="-6.56221351266328e-05">
                                                <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="10.7456500000000013"/>
                                            </Node>
                                            <Node score="0.009179530497565078">
                                                <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="10.7456500000000013"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.0007817104178832924">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="1.5000000000000002"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.006786434999048489">
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
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                                </Node>
                            </TreeModel>
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                        <Segment id="172" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.7327500000000001"/>
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                                        <Node score="-0.0021989351662058047">
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                                    <Node>
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.7327500000000001"/>
                                        <Node score="-1.9386824265740133e-07">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.013542437741521833">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="0.0000000000000000"/>
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                            <True/>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                </MiningSchema>
                                <Node>
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                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.8535500000000001"/>
                                        <Node score="0.00011758244599121495">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="1835.2300000000002456"/>
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                                        <Node score="-0.005899961136690159">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="1835.2300000000002456"/>
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                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.8535500000000001"/>
                                        <Node score="5.036809850399023e-06">
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                                        </Node>
                                        <Node score="0.010014563101954324">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="2177.9950000000003456"/>
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                        </Segment>
                        <Segment id="174" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="3.5000000000000004"/>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="2.5000000000000004"/>
                                            <Node score="-0.0013838283526588586">
                                                <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="1.3550000000000002"/>
                                            </Node>
                                            <Node score="0.01414970290765834">
                                                <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="1.3550000000000002"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.019845444711901326">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="2.5000000000000004"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.006609427904782589">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="3.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="175" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="6500.0900000000010550"/>
                                        <Node score="-1.1809985051732849e-07">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="804.9050000000000864"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="804.9050000000000864"/>
                                            <Node score="-0.0140618375898396">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="9466.5350000000016735"/>
                                            </Node>
                                            <Node score="-7.168752979358992e-05">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="9466.5350000000016735"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.01048639930051386">
                                        <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="6500.0900000000010550"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="176" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0030980420483934642">
                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.5900500000000001"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.5900500000000001"/>
                                        <Node>
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                            <Node score="0.005965951049566106">
                                                <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="1.5000000000000002"/>
                                            </Node>
                                            <Node score="-0.0016678612628388892">
                                                <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="1.5000000000000002"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.0039013512409694804">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="177" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                        <Node score="0.00022079605690059675">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-0.0007539287071315819">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="456.8350000000000364"/>
                                            </Node>
                                            <Node score="-0.02500598267802594">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="456.8350000000000364"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.006758678511888013">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
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                                </Node>
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                        <Segment id="178" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
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                                    <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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.004572811660130537">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="23.3750000000000036"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="23.3750000000000036"/>
                                        <Node score="2.241778278172265e-07">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="1097.1250000000002274"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="1097.1250000000002274"/>
                                            <Node score="5.458205171324374e-05">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="382.4400000000000546"/>
                                            </Node>
                                            <Node score="0.015155342677871742">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="382.4400000000000546"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="179" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="19240.3350000000027649"/>
                                        <Node score="-0.002063085494577416">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="11.5000000000000018"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="11.5000000000000018"/>
                                            <Node score="0.008614215842262407">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="1.0768500000000001"/>
                                            </Node>
                                            <Node score="-0.00043896144692842816">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.0768500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.01784653046067266">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="19240.3350000000027649"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="180" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="11.5000000000000018"/>
                                        <Node score="-3.9557393048651513e-07">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="14517.1200000000008004"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="14517.1200000000008004"/>
                                            <Node score="-0.00015870257017365185">
                                                <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="2040.0000000000002274"/>
                                            </Node>
                                            <Node score="-0.015970294341507974">
                                                <SimplePredicate field="min_apply_amt" operator="greaterThan" value="2040.0000000000002274"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.0027284109225904083">
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="11.5000000000000018"/>
                                    </Node>
                                </Node>
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                        <Segment id="181" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        <Node score="-9.72748424343985e-06">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="94.4350000000000165"/>
                                        </Node>
                                        <Node score="0.003789763909763557">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="94.4350000000000165"/>
                                        </Node>
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                                    <Node>
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                                        <Node score="-0.010753638587522723">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="4120.0750000000007276"/>
                                        </Node>
                                        <Node score="-9.990050844489793e-06">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="4120.0750000000007276"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="182" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
                                        <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="6500.0900000000010550"/>
                                        <Node score="-0.016140035698856265">
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                                        <Node>
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="3.5000000000000004"/>
                                            <Node score="5.4342897893016085e-05">
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                                            <Node score="-0.01653915789767507">
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                        <Segment id="183" weight="1">
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                                <MiningSchema>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                <Node>
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                                        <Node score="0.007410755778143404">
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                                        <Node>
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                                            <Node score="-0.011716595370617111">
                                                <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="98.1950000000000074"/>
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                                            <Node score="0.0018046672757663783">
                                                <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="98.1950000000000074"/>
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                        <Segment id="184" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0025469728359202187">
                                        <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="4678.8400000000010550"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="4678.8400000000010550"/>
                                        <Node>
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="2.5000000000000004"/>
                                            <Node score="0.009774069579548683">
                                                <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="1.4652500000000004"/>
                                            </Node>
                                            <Node score="6.887259683981538e-06">
                                                <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="1.4652500000000004"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.0019444107174519164">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="2.5000000000000004"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="185" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0031206203474212655">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                        <Node score="-0.004785087692888303">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.2353000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.2353000000000000"/>
                                            <Node score="1.9953013015365074e-06">
                                                <SimplePredicate field="orig_prcp_avg_m12" operator="lessOrEqual" value="2300.8889000000003762"/>
                                            </Node>
                                            <Node score="0.008745025788457095">
                                                <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="2300.8889000000003762"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="186" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="5.5000000000000009"/>
                                        <Node score="0.002700289354985432">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4410.0000000000009095"/>
                                        </Node>
                                        <Node score="-0.003485752673100746">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4410.0000000000009095"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="5.5000000000000009"/>
                                        <Node score="-0.012810536736058444">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="95.1450000000000244"/>
                                        </Node>
                                        <Node score="-2.3820738386995934e-05">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="95.1450000000000244"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="187" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.7327500000000001"/>
                                        <Node score="7.026323789510051e-06">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="-0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.008135701112953584">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="-0.0000000000000000"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.7327500000000001"/>
                                        <Node score="-0.006857288482816458">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.6781500000000001"/>
                                        </Node>
                                        <Node score="-2.84975534198054e-07">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.6781500000000001"/>
                                        </Node>
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                                </Node>
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                        <Segment id="188" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" 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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                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
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                                <Node>
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                                    <Node>
                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node>
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="1097.1250000000002274"/>
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                                            <Node score="0.003188314103526551">
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                                            </Node>
                                        </Node>
                                        <Node score="0.004267230521663713">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="1097.1250000000002274"/>
                                        </Node>
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                        <Segment id="189" weight="1">
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.000268418366820876">
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-2.2166077975367758e-05">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.4334000000000001"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.4334000000000001"/>
                                            <Node score="-0.020495235296888244">
                                                <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="6.5000000000000009"/>
                                            </Node>
                                            <Node score="-6.202934111535508e-05">
                                                <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="6.5000000000000009"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="190" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="28.2050000000000018"/>
                                        <Node score="-7.936935645140956e-06">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="2040.0000000000002274"/>
                                        </Node>
                                        <Node score="-0.0064757630512675204">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="2040.0000000000002274"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.0011510273378225009">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="28.2050000000000018"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="191" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="96.7150000000000176"/>
                                        <Node score="0.0038539218600400593">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="2527.0600000000008549"/>
                                        </Node>
                                        <Node score="-0.0028330982658932064">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="2527.0600000000008549"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="96.7150000000000176"/>
                                        <Node score="-2.228326416081271e-06">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="71.1750000000000256"/>
                                        </Node>
                                        <Node score="-0.006531005690533805">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="71.1750000000000256"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="192" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                        <Node score="-0.0057836376128836365">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.4488500000000000"/>
                                        </Node>
                                        <Node score="0.0007691136945200906">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.4488500000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                        <Node score="0.02175694588794842">
                                            <SimplePredicate field="od_amt_m6_loan_os_prcp_m6_pc" operator="lessOrEqual" value="1.6150000000000004"/>
                                        </Node>
                                        <Node score="0.00014311527373499778">
                                            <SimplePredicate field="od_amt_m6_loan_os_prcp_m6_pc" operator="greaterThan" value="1.6150000000000004"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="193" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" 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_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0012502723088099557">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="1835.2300000000002456"/>
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                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="1835.2300000000002456"/>
                                        <Node score="-0.005775837192406301">
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                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="13337.8850000000020373"/>
                                            <Node score="0.0001294974894327298">
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                                            </Node>
                                            <Node score="0.02172039493255466">
                                                <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.4700500000000000"/>
                                            </Node>
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                                    </Node>
                                </Node>
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                        <Segment id="194" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-1.571188866173586e-05">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.8367000000000001"/>
                                        </Node>
                                        <Node score="-0.022125153996273763">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.8367000000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0008412276153496274">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="94.4350000000000165"/>
                                        </Node>
                                        <Node score="0.00301181922758876">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="94.4350000000000165"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="195" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="96.4650000000000176"/>
                                            <Node score="-1.4965674836940697e-05">
                                                <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                            </Node>
                                            <Node score="-0.008861068365556432">
                                                <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="3.5000000000000004"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.001502547660046923">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="96.4650000000000176"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.001226773482393495">
                                        <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="196" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="2.0983500000000004"/>
                                        <Node score="-3.02023114559582e-07">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="121.5250000000000199"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="121.5250000000000199"/>
                                            <Node score="-6.421299207585381e-05">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="82.9050000000000153"/>
                                            </Node>
                                            <Node score="-0.007986069066892117">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="82.9050000000000153"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.0035661880753705554">
                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="2.0983500000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="197" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.6504500000000001"/>
                                        <Node>
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.1577500000000000"/>
                                            <Node score="0.007583739392714799">
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="676.1250000000001137"/>
                                            </Node>
                                            <Node score="-4.0563555834950316e-05">
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="676.1250000000001137"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.003908534863932744">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.1577500000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.002328979234589634">
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.6504500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="198" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" 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_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="5348.7600000000011278"/>
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                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="92.9950000000000188"/>
                                            <Node score="3.956953635500263e-06">
                                                <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="89.8450000000000131"/>
                                            </Node>
                                            <Node score="0.010795166985813912">
                                                <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="89.8450000000000131"/>
                                            </Node>
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                                        <Node score="-0.0006418996542989658">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="92.9950000000000188"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.004677221591524611">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="5348.7600000000011278"/>
                                    </Node>
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                        <Segment id="199" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.5900500000000001"/>
                                        <Node score="-0.007515096675933524">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="8049.2300000000004729"/>
                                        </Node>
                                        <Node score="0.00041496934139831">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="8049.2300000000004729"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.5900500000000001"/>
                                        <Node score="0.002484414690362534">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="-0.010699826146427891">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="1.5000000000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="200" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.003654019217254461">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="4678.8400000000010550"/>
                                        </Node>
                                        <Node score="0.005353594047529475">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="4678.8400000000010550"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.007650160394354058">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="61.5550000000000068"/>
                                        </Node>
                                        <Node score="0.000574871957419906">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="61.5550000000000068"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="201" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="5571.8150000000014188"/>
                                        <Node>
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="97.2050000000000125"/>
                                            <Node score="-0.0013387182490905995">
                                                <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="94.4350000000000165"/>
                                            </Node>
                                            <Node score="0.005316898985160578">
                                                <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="94.4350000000000165"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.006930664204332235">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="97.2050000000000125"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.0036801434143907672">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="5571.8150000000014188"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="202" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="3012.1900000000005093"/>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.8535500000000001"/>
                                            <Node score="0.003226179527937716">
                                                <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="96.7150000000000176"/>
                                            </Node>
                                            <Node score="-0.005029345083117041">
                                                <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="96.7150000000000176"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.0065398884001004135">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.8535500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.00453046354716214">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="3012.1900000000005093"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="203" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="12.8189500000000027"/>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="7.1041000000000007"/>
                                            <Node score="-0.0019075706947166802">
                                                <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="6.2587500000000009"/>
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                                            <Node score="0.013575331117796552">
                                                <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="6.2587500000000009"/>
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                                        <Node score="-0.006104764097161124">
                                            <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="7.1041000000000007"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.0013634390286477846">
                                        <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="12.8189500000000027"/>
                                    </Node>
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                        <Segment id="204" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="3.5000000000000004"/>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="2.5000000000000004"/>
                                            <Node score="0.0019425129361104944">
                                                <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4410.0000000000009095"/>
                                            </Node>
                                            <Node score="-0.0038455319796977926">
                                                <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4410.0000000000009095"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.020070108642358506">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="2.5000000000000004"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.006019095153896989">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="3.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="205" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0008073451312097801">
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                        <Node score="-0.013260576652485069">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="8.5000000000000018"/>
                                        </Node>
                                        <Node score="-6.132430808831637e-06">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="8.5000000000000018"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="206" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="9466.5350000000016735"/>
                                        <Node score="0.0005014704223638189">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="804.9050000000000864"/>
                                        </Node>
                                        <Node score="-0.006050172871864426">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="804.9050000000000864"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="9466.5350000000016735"/>
                                        <Node score="0.00020797848877651497">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.4488500000000000"/>
                                        </Node>
                                        <Node score="0.026593293468231714">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.4488500000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="207" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0024996399417288534">
                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0016351599545812831">
                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="208" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                        <Node score="-1.8100652580496336e-06">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="930.7050000000000409"/>
                                        </Node>
                                        <Node score="-0.00943763940828078">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="930.7050000000000409"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                        <Node score="0.003014202924078383">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="20501.4700000000048021"/>
                                        </Node>
                                        <Node score="-0.006211320478909239">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="20501.4700000000048021"/>
                                        </Node>
                                    </Node>
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                        <Segment id="209" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.6504500000000001"/>
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                                        <Node>
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                            <Node score="0.007343727054956544">
                                                <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.3427500000000001"/>
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                                            <Node score="-0.0033671541034157562">
                                                <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.3427500000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.0017340039686582172">
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.6504500000000001"/>
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                        <Segment id="210" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0009146078531007061">
                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="21.7688000000000024"/>
                                    </Node>
                                    <Node score="0.005197016465854519">
                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="21.7688000000000024"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="211" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0035993649504173822">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                    </Node>
                                    <Node score="0.000939023286691324">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="212" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.004195553675012871">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="0.0008052426060504693">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="213" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.00028218881747822157">
                                        <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="9.5000000000000018"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="9.5000000000000018"/>
                                        <Node score="0.01854289005666043">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="19.5000000000000036"/>
                                        </Node>
                                        <Node score="0.00012203807038253933">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="19.5000000000000036"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        </Segment>
                        <Segment id="214" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.004278449267556424">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="788.3300000000000409"/>
                                        </Node>
                                        <Node score="-8.272270019973229e-05">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="788.3300000000000409"/>
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                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.004719884306004089">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                        </Node>
                                        <Node score="0.0006835414604644841">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
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                        <Segment id="215" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0011067156711016062">
                                        <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="94.4350000000000165"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="94.4350000000000165"/>
                                        <Node score="0.006736951455305136">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="97.2050000000000125"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="97.2050000000000125"/>
                                            <Node score="-0.010723866709111412">
                                                <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="98.2250000000000085"/>
                                            </Node>
                                            <Node score="0.004411772090418808">
                                                <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="98.2250000000000085"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="216" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0019166792779742325">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="337.4350000000000591"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="337.4350000000000591"/>
                                        <Node score="-7.061676067176598e-07">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="1.3456500000000002"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.3456500000000002"/>
                                            <Node score="-0.007875612459106148">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="2.9551500000000002"/>
                                            </Node>
                                            <Node score="-2.945215505440683e-05">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="2.9551500000000002"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="217" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="21.7688000000000024"/>
                                        <Node score="-2.6827104079709593e-07">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="3012.1900000000005093"/>
                                        </Node>
                                        <Node score="-0.004972650805004515">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="3012.1900000000005093"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="21.7688000000000024"/>
                                        <Node score="1.1896164769106288e-05">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="499.6200000000000614"/>
                                        </Node>
                                        <Node score="0.012062185299709961">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="499.6200000000000614"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="218" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        <Node score="-0.0009563561224364666">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.5893500000000002"/>
                                        </Node>
                                        <Node score="0.0024575388528474173">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.5893500000000002"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.004173527845196591">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="219" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="8049.2300000000004729"/>
                                        <Node>
                                            <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                            <Node score="0.0019508668597270366">
                                                <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="3.5000000000000004"/>
                                            </Node>
                                            <Node score="-0.004457159611089847">
                                                <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="3.5000000000000004"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.005322832733619956">
                                            <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="3.5000000000000004"/>
                                        </Node>
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                                    <Node score="0.003819106949163976">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="8049.2300000000004729"/>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" 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_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="-0.0056506836611148175">
                                                <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="4678.8400000000010550"/>
                                            </Node>
                                            <Node score="0.0037960167950243226">
                                                <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="4678.8400000000010550"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.00429450400715581">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.006661783605500639">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="221" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="271.3800000000000523"/>
                                        <Node score="0.003357969870929755">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="1835.2300000000002456"/>
                                        </Node>
                                        <Node score="-0.0010926912049832667">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="1835.2300000000002456"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="271.3800000000000523"/>
                                        <Node score="-9.007511102142665e-05">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="1208.3500000000001364"/>
                                        </Node>
                                        <Node score="-0.0166374413017796">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="1208.3500000000001364"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="222" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0010217379623677536">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="13337.8850000000020373"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="13337.8850000000020373"/>
                                        <Node score="0.000123216689133476">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="50.7050000000000054"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="50.7050000000000054"/>
                                            <Node score="0.021986665099838893">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="117.8950000000000244"/>
                                            </Node>
                                            <Node score="8.561108310903382e-05">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="117.8950000000000244"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="223" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0018174908145074979">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="1222.0250000000003183"/>
                                    </Node>
                                    <Node score="0.0018235876990431261">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="1222.0250000000003183"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="224" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0010821513823690123">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.8535500000000001"/>
                                    </Node>
                                    <Node score="0.003381067194413401">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.8535500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="225" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0013008330382031884">
                                        <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="94.4350000000000165"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="94.4350000000000165"/>
                                        <Node score="-0.007216283965949459">
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                                        </Node>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.4488500000000000"/>
                                            <Node score="0.005675917885829875">
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="20501.4700000000048021"/>
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                                            <Node score="-0.00548713363056587">
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="20501.4700000000048021"/>
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                                    </Node>
                                </Node>
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                        </Segment>
                        <Segment id="226" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="1.0597500000000004"/>
                                        <Node score="1.3126413857103598e-06">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="11.5000000000000018"/>
                                        </Node>
                                        <Node score="0.0075826248660746205">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="11.5000000000000018"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.002022367198658827">
                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.0597500000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="227" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="21.7688000000000024"/>
                                        <Node score="-0.0024528352438790667">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="12.5000000000000018"/>
                                        </Node>
                                        <Node score="0.004747914450812506">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="12.5000000000000018"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="21.7688000000000024"/>
                                        <Node score="5.190108838140461e-06">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="15482.5350000000016735"/>
                                        </Node>
                                        <Node score="0.030144569307229717">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="15482.5350000000016735"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="228" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.001697098775946395">
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.6504500000000001"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.6504500000000001"/>
                                        <Node score="0.008675145522613503">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.7739500000000001"/>
                                        </Node>
                                        <Node score="2.0956642879133606e-06">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.7739500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="229" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.001344788837345308">
                                        <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="1.5000000000000002"/>
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                                    <Node>
                                        <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="-2.0490287213748545e-06">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="337.4350000000000591"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="337.4350000000000591"/>
                                            <Node score="-0.018591496028946757">
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="1321.6350000000002183"/>
                                            </Node>
                                            <Node score="-0.00022065630947354551">
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="1321.6350000000002183"/>
                                            </Node>
                                        </Node>
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                                </Node>
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                        </Segment>
                        <Segment id="230" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
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                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                <Node>
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                                    <Node>
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                                        <Node score="0.016516266805700255">
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                                        <Node>
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                                            <Node score="-0.004361009843027646">
                                                <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="10.7456500000000013"/>
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                                            <Node score="0.0012487664518427163">
                                                <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="10.7456500000000013"/>
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                        <Segment id="231" weight="1">
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                                <MiningSchema>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
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                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
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                                        <Node>
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="982.7900000000000773"/>
                                            <Node score="-0.008264058722780758">
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                                            </Node>
                                            <Node score="-5.1474043053286055e-06">
                                                <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="1.3127500000000001"/>
                                            </Node>
                                        </Node>
                                        <Node score="-1.0517599742290984e-06">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="982.7900000000000773"/>
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                                    </Node>
                                    <Node score="0.002125894916222936">
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="11.5000000000000018"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="232" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0003626964381438901">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="3012.1900000000005093"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="3012.1900000000005093"/>
                                        <Node score="-0.006776807458168121">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="8358.1300000000010186"/>
                                        </Node>
                                        <Node score="-2.7982362327721012e-05">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="8358.1300000000010186"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="233" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0008046332883845587">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="1566.6850000000001728"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="1566.6850000000001728"/>
                                        <Node score="-0.005007739452710064">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="3.5000000000000004"/>
                                        </Node>
                                        <Node score="0.0007058589361151537">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="3.5000000000000004"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="234" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002540969001720218">
                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="92.9950000000000188"/>
                                    </Node>
                                    <Node score="-0.0009438570210065361">
                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="92.9950000000000188"/>
                                    </Node>
                                </Node>
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                        <Segment id="235" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.005048285674640111">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.4488500000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.4488500000000000"/>
                                        <Node score="-0.0016146856225331394">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="94.4350000000000165"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="94.4350000000000165"/>
                                            <Node score="0.007913617986512593">
                                                <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="97.2050000000000125"/>
                                            </Node>
                                            <Node score="2.855893152301372e-06">
                                                <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="97.2050000000000125"/>
                                            </Node>
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                                </Node>
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                        <Segment id="236" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
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                                </MiningSchema>
                                <Node>
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                                        <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="12.8189500000000027"/>
                                        <Node>
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                                            <Node score="0.0010125104732873992">
                                                <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="10697.6700000000018917"/>
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                                            <Node score="-0.007813676858467998">
                                                <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="10697.6700000000018917"/>
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                                        <Node score="0.005821041820015017">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="13799.9700000000029831"/>
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                        <Segment id="237" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0002135734138416316">
                                        <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="4819.3150000000014188"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="4819.3150000000014188"/>
                                        <Node score="0.013727837548957473">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.9507500000000001"/>
                                        </Node>
                                        <Node score="9.441855729321563e-05">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.9507500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="238" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.01241368999293278">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="93.3050000000000210"/>
                                        </Node>
                                        <Node score="-2.7820189936889775e-05">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="93.3050000000000210"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0050012496100104754">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="-0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.0010963356637404137">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="-0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="239" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="143.6500000000000057"/>
                                        <Node score="-0.00012511811980624624">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                        </Node>
                                        <Node score="0.002774303372488712">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.004546185677566625">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="143.6500000000000057"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="240" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="2040.0000000000002274"/>
                                        <Node score="0.010181615539438627">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="1.0969500000000003"/>
                                        </Node>
                                        <Node score="-0.002051871756463943">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.0969500000000003"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0015230513363343092">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="2040.0000000000002274"/>
                                    </Node>
                                </Node>
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                        <Segment id="241" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0009890503832417422">
                                        <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="5.5000000000000009"/>
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                                    <Node score="-0.004571391447745159">
                                        <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="5.5000000000000009"/>
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                        <Segment id="242" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" 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="avg_od_amt_m6_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="5999.4550000000008367"/>
                                        <Node score="-0.002264597426847652">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="117.8950000000000244"/>
                                        </Node>
                                        <Node score="0.0032620456520218036">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="117.8950000000000244"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="5999.4550000000008367"/>
                                        <Node score="0.018027385861838045">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="84.5150000000000148"/>
                                        </Node>
                                        <Node score="5.858390908279526e-05">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="84.5150000000000148"/>
                                        </Node>
                                    </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>
