<?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>2026-11-04 09:10:15.562471</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">
        <MiningSchema>
            <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="-2.119387094600824">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="0.0302967000000000"/>
                                            </Node>
                                            <Node score="-2.2492976798710704">
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="0.0302967000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-2.3715627772316505">
                                            <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-2.3731031654012855">
                                        <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="0.16783666061705266">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="-0.0632235000000000"/>
                                        </Node>
                                        <Node score="0.06544740753281991">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="-0.0632235000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.10469200236750324">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="1.849535785820312e-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>
                                    <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="0.3273984000000000"/>
                                        <Node>
                                            <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="0.2587719385569936">
                                                <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="0.12068600937925622">
                                                <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.00537834505601523">
                                            <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.021503534039917352">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.3273984000000000"/>
                                    </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="0.11937360726133324">
                                        <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="0.09716644292906787">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="0.1102800000000000"/>
                                            </Node>
                                            <Node score="0.024656839900562787">
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="0.1102800000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.0036347315381136808">
                                            <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="0.0000000000000000"/>
                                        <Node score="0.1728635880741662">
                                            <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="0.08831876487245274">
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.3273984000000000"/>
                                            </Node>
                                            <Node score="0.017111157824003336">
                                                <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.3273984000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="4.570992454895406e-05">
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="0.0000000000000000"/>
                                    </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="0.6956841666666668"/>
                                        <Node>
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.3729135000000001"/>
                                            <Node score="0.09794967614650288">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="-0.0632235000000000"/>
                                            </Node>
                                            <Node score="0.04353859839303211">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="-0.0632235000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.02502069999597551">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.3729135000000001"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.012185889172973304">
                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="0.6956841666666668"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <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"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_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="0.0000000000000000"/>
                                        <Node score="0.08712770781671403">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="0.0657772635466586">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.0293405000000000"/>
                                            </Node>
                                            <Node score="0.007324368030697742">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.0293405000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.003951401065274136">
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="8" 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="0.07463809350980742">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.02365658181378032">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.017880346068438722">
                                            <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="0.6956841666666668"/>
                                        </Node>
                                        <Node score="-0.04364406055612879">
                                            <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="0.6956841666666668"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="9" 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="0.3273984000000000"/>
                                        <Node score="0.0841832017781299">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="0.0302967000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="0.0302967000000000"/>
                                            <Node score="0.04650613762503844">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.008885167205505657">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="0.0013675102836996017">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.3273984000000000"/>
                                    </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 score="0.10584220148422814">
                                        <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>
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="0.05512015866533513">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.1513740000000000"/>
                                            </Node>
                                            <Node score="0.010298953183181503">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.004889379980191687">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0000000000000000"/>
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                                </Node>
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                        <Segment id="11" 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="s_ps_od_days_max" operator="lessOrEqual" value="0.3729135000000001"/>
                                        <Node score="0.048912336084001334">
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                                        <Node score="8.474858367175455e-05">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.1909101000000000"/>
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                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.3729135000000001"/>
                                        <Node score="0.07748212236695254">
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.008661316146886996">
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="0.0000000000000000"/>
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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"/>
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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>
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                                        <Node score="-0.013775724362806526">
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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"/>
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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"/>
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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"/>
                                    <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"/>
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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 score="0.07726412124591507">
                                        <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>
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.3273984000000000"/>
                                            <Node score="0.04326309844688457">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="0.1102800000000000"/>
                                            </Node>
                                            <Node score="0.004763062988940137">
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="0.1102800000000000"/>
                                            </Node>
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                                        <Node score="-0.006999542324932515">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.3273984000000000"/>
                                        </Node>
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                                </Node>
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                        <Segment id="14" weight="1">
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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>
                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.07718656787561987">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="-0.3397950000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="-0.3397950000000000"/>
                                            <Node score="0.06502585123922493">
                                                <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="0.015154174105837874">
                                                <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.020655450726498843">
                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="greaterThan" value="0.0000000000000000"/>
                                    </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="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.03770783424582834">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="0.3401675000000001"/>
                                        </Node>
                                        <Node score="6.252226802320038e-05">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="0.3401675000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.007878776446734856">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.035499468339252084">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="0.0000000000000000"/>
                                        </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="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.03897421854879784">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.1513740000000000"/>
                                        </Node>
                                        <Node score="0.004724194596144022">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
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                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.04335111066698133">
                                            <SimplePredicate field="od_amt_m6_loan_os_prcp_m6_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.01004093374696511">
                                            <SimplePredicate field="od_amt_m6_loan_os_prcp_m6_pc" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="17" 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="0.032470560865171146">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.0293405000000000"/>
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                                            <Node score="-0.018994084219395174">
                                                <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.3109691000000001"/>
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                                        <Node score="-0.013084467318428815">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.0293405000000000"/>
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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"/>
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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="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"/>
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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_now_l60_used_amt_m_min" operator="lessOrEqual" value="0.4707758000000001"/>
                                        <Node score="0.06353222236523558">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="-0.3397950000000000"/>
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                                        <Node>
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                                            <Node score="0.022942269854223138">
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.3273984000000000"/>
                                            </Node>
                                            <Node score="-0.0020576744103474667">
                                                <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.3273984000000000"/>
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                                    <Node score="-0.019448448483631173">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="0.4707758000000001"/>
                                    </Node>
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                        <Segment id="19" 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="0.029351044631856973">
                                        <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="s_ps_od_days_max" operator="lessOrEqual" value="0.3729135000000001"/>
                                            <Node score="0.016700525174891973">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="0.3097365000000000"/>
                                            </Node>
                                            <Node score="-0.03199053751955283">
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="0.3097365000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.019171441431222895">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.3729135000000001"/>
                                        </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>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.038113445954285154">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="3.232994555488149e-05">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.008003340849711216">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.4661680000000001"/>
                                        </Node>
                                        <Node score="-0.023964107754316254">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.4661680000000001"/>
                                        </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="0.3729135000000001"/>
                                        <Node score="0.02416943282479135">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="0.2507030000000001"/>
                                        </Node>
                                        <Node score="-0.004871754525778537">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="0.2507030000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.3729135000000001"/>
                                        <Node score="0.03312187627089283">
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.013234359401833954">
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="0.0000000000000000"/>
                                        </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="min_apply_amt" operator="lessOrEqual" value="0.1707880000000001"/>
                                        <Node score="0.04793828536792996">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="-0.2635230000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="-0.2635230000000000"/>
                                            <Node score="0.018024752520482492">
                                                <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.0038096601494820833">
                                                <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.01455027434630996">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.1707880000000001"/>
                                    </Node>
                                </Node>
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                        <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>
                                    <True/>
                                    <Node score="0.023794748119504845">
                                        <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="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.0293405000000000"/>
                                            <Node score="0.025775444795743653">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.008971882891680816">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.01478897851613937">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.0293405000000000"/>
                                        </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="cre_now_l30_used_amt_d_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.03146760388862985">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="-0.1400485000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="-0.1400485000000000"/>
                                            <Node score="0.016294407085589047">
                                                <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.0038749743955586303">
                                                <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.02420544049793567">
                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="greaterThan" value="0.0000000000000000"/>
                                    </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="0.0000000000000000"/>
                                        <Node score="0.026535208757507076">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="0.034140840906408815">
                                                <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="1.2499603983984272e-06">
                                                <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.022460457336251554">
                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="greaterThan" value="0.0000000000000000"/>
                                    </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="0.0000000000000000"/>
                                        <Node score="0.02182042665665532">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.1513740000000000"/>
                                        </Node>
                                        <Node score="-0.0022123470591838552">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.005392621375223607">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.02144758638919706">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.0000000000000000"/>
                                        </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="min_apply_amt" operator="lessOrEqual" value="-0.0534015000000000"/>
                                        <Node score="0.024912238330756294">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="-0.0632235000000000"/>
                                        </Node>
                                        <Node score="-0.00041194218592085986">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="-0.0632235000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="-0.0534015000000000"/>
                                        <Node score="0.0027279324521000156">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.2930336000000001"/>
                                        </Node>
                                        <Node score="-0.020329462517369282">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.2930336000000001"/>
                                        </Node>
                                    </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="1.0443690000000003"/>
                                        <Node score="0.03726890691491605">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="-0.3397950000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="-0.3397950000000000"/>
                                            <Node score="0.01055382950563848">
                                                <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.3729135000000001"/>
                                            </Node>
                                            <Node score="-0.009439290998614057">
                                                <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.3729135000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.037989014472936906">
                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.0443690000000003"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <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="t_ps_od_days_max" operator="lessOrEqual" value="0.3273984000000000"/>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="0.0302967000000000"/>
                                            <Node score="0.032300093805663246">
                                                <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.2143420000000000"/>
                                            </Node>
                                            <Node score="-0.0008456455218672878">
                                                <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.2143420000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.0026449233333619222">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="0.0302967000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.009279747532028187">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.3273984000000000"/>
                                    </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 score="0.03285330255366192">
                                        <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="0.009261459506596709">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-7.869091432053549e-06">
                                                <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.0458010000000000"/>
                                            </Node>
                                            <Node score="-0.02467037227650861">
                                                <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.0458010000000000"/>
                                            </Node>
                                        </Node>
                                    </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 score="0.0314157573534858">
                                        <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>
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.4388886000000001"/>
                                            <Node score="0.02090849359702774">
                                                <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.000611959300363514">
                                                <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.014890028006734946">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.4388886000000001"/>
                                        </Node>
                                    </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>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="0.2507030000000001"/>
                                        <Node score="0.01783717373872977">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.0293405000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.0293405000000000"/>
                                            <Node score="0.011358506088694235">
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.009323886279784968">
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.015682804903270557">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="0.2507030000000001"/>
                                    </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="apprv_amt_day" operator="lessOrEqual" value="0.8028671250000001"/>
                                        <Node>
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.1707880000000001"/>
                                            <Node score="0.01694231651384312">
                                                <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="8.48932149990738e-06">
                                                <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.010393597962925317">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.1707880000000001"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.025212054673216792">
                                        <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="0.8028671250000001"/>
                                    </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="min_apply_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.018852402099894364">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="0.1305796000000000"/>
                                        </Node>
                                        <Node score="1.5725732420253965e-05">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="0.1305796000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.001311926660643369">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.4661680000000001"/>
                                        </Node>
                                        <Node score="-0.02153506255000021">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.4661680000000001"/>
                                        </Node>
                                    </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 score="0.026889262355205116">
                                        <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>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="-0.0632235000000000"/>
                                            <Node score="0.012321312941946907">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.1513740000000000"/>
                                            </Node>
                                            <Node score="-0.0101535980342784">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.013395836860481083">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="-0.0632235000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="36" 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="0.021621530743081624">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="-0.2635230000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="-0.2635230000000000"/>
                                        <Node>
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.1707880000000001"/>
                                            <Node score="0.008664937557615958">
                                                <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="-0.1489715000000000"/>
                                            </Node>
                                            <Node score="-0.006358430573188812">
                                                <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="-0.1489715000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.018762116639463082">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.1707880000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        </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="0.1707880000000001"/>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="-0.0794480000000000"/>
                                            <Node score="0.016919753910200532">
                                                <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="1.0443690000000003"/>
                                            </Node>
                                            <Node score="-0.0210524705046818">
                                                <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.0443690000000003"/>
                                            </Node>
                                        </Node>
                                        <Node score="2.6272645330879748e-06">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="-0.0794480000000000"/>
                                        </Node>
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                                    <Node score="-0.013451811910478034">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.1707880000000001"/>
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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"/>
                                    <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"/>
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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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                                        <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="0.8028671250000001"/>
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                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="-0.2085595000000000"/>
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                                    </Node>
                                    <Node score="-0.023383685893953062">
                                        <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="0.8028671250000001"/>
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                        <Segment id="39" weight="1">
                            <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"/>
                                    <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="0.028964493008522076">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="-0.3397950000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="-0.3397950000000000"/>
                                            <Node score="0.008576948916339122">
                                                <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.005303401065277964">
                                                <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.018700681728772314">
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                    </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>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="0.2507030000000001"/>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.1513740000000000"/>
                                            <Node score="0.014231920161709146">
                                                <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.2143420000000000"/>
                                            </Node>
                                            <Node score="-0.00426519972726045">
                                                <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.2143420000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.00471399893795709">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.014573953243921595">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="0.2507030000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="41" 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="0.1909101000000000"/>
                                        <Node score="0.012013276745226802">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="0.0024124369128050156">
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.4661680000000001"/>
                                            </Node>
                                            <Node score="-0.018203994090840576">
                                                <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.4661680000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.016302952983272605">
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.1909101000000000"/>
                                    </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="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.03110369004943364">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="-0.0983550000000000"/>
                                        </Node>
                                        <Node score="0.0021781923174240695">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="-0.0983550000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-1.2946622362457898e-06">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.6042000000000002"/>
                                        </Node>
                                        <Node score="-0.029899766314223482">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.6042000000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="43" 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="-0.1489715000000000"/>
                                        <Node score="0.01653791032577333">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="0.0302967000000000"/>
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                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="0.0302967000000000"/>
                                            <Node score="0.009622700263846394">
                                                <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.011097683639558218">
                                                <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node score="-0.00807117615078773">
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="-0.1489715000000000"/>
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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"/>
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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="0.022389684619426954">
                                        <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="0.005207256137232951">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-9.355667535308852e-06">
                                                <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.018102860057340506">
                                                <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="45" 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="-0.1489715000000000"/>
                                        <Node score="0.010718417945534867">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.2143420000000000"/>
                                        </Node>
                                        <Node score="-0.00982169764342897">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.2143420000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="-0.1489715000000000"/>
                                        <Node score="-0.0028620180055825037">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="0.6381183000000001"/>
                                        </Node>
                                        <Node score="-0.03474074036577221">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="0.6381183000000001"/>
                                        </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 score="0.010423709577783572">
                                        <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="-0.0429984000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="-0.0429984000000000"/>
                                        <Node score="0.002538699819412125">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-1.3269774165650696e-05">
                                                <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.020416029328971453">
                                                <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </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="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="0.3401675000000001"/>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.1513740000000000"/>
                                            <Node score="0.013852630489207932">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="-0.0632235000000000"/>
                                            </Node>
                                            <Node score="-0.0018974105702789527">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="-0.0632235000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.005640267705711255">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.014639954081031085">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="0.3401675000000001"/>
                                    </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="suc_apprv_num_m1" operator="lessOrEqual" value="1.0443690000000003"/>
                                        <Node score="0.01584966427228781">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="-0.2085595000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="-0.2085595000000000"/>
                                            <Node score="0.002802126054552857">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.014706386425633407">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.028954617503585817">
                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.0443690000000003"/>
                                    </Node>
                                </Node>
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                        <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 score="0.021419303761936896">
                                        <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>
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.3273984000000000"/>
                                            <Node score="0.008652348078623532">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="0.1102800000000000"/>
                                            </Node>
                                            <Node score="-0.006123324868646513">
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="0.1102800000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.012065877950687929">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.3273984000000000"/>
                                        </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="0.01859917937008454">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="-0.2635230000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="-0.2635230000000000"/>
                                            <Node score="0.007652755598856138">
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.004570066750269709">
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.017108012315394966">
                                        <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="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.005983003974641938">
                                            <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="-0.2144025000000000"/>
                                        </Node>
                                        <Node score="0.012465357396485072">
                                            <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="-0.2144025000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0010018650241956548">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.6042000000000002"/>
                                        </Node>
                                        <Node score="-0.02576308718056388">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.6042000000000002"/>
                                        </Node>
                                    </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="0.1707880000000001"/>
                                        <Node score="0.012369743398131287">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="-0.0429984000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="-0.0429984000000000"/>
                                            <Node score="0.0020103232407624764">
                                                <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="0.1105240000000000"/>
                                            </Node>
                                            <Node score="-0.015095642048453269">
                                                <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="0.1105240000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.012432681270298562">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.1707880000000001"/>
                                    </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="shd_pre_repay_amt_rate" operator="lessOrEqual" value="-0.0794480000000000"/>
                                        <Node score="0.009571994960267814">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.5268500000000002"/>
                                        </Node>
                                        <Node score="-0.014346715941066564">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.5268500000000002"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="-0.0794480000000000"/>
                                        <Node score="0.0020663982665460345">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.012638322327396121">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <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"/>
                                    <MiningField name="cre_now_l60_used_amt_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="0.006826436225530928">
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-1.705303846210397e-06">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.5768296250000001"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.5768296250000001"/>
                                            <Node score="-8.236261984956585e-05">
                                                <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="-0.0078671000000000"/>
                                            </Node>
                                            <Node score="-0.030820256238865716">
                                                <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="-0.0078671000000000"/>
                                            </Node>
                                        </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>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="-0.1489715000000000"/>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="0.1102800000000000"/>
                                            <Node score="1.0249639159516607e-05">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="-0.0879940000000000"/>
                                            </Node>
                                            <Node score="0.01610082718467769">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="-0.0879940000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.0036147122401190258">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="0.1102800000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0077973579685446485">
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="-0.1489715000000000"/>
                                    </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="0.1707880000000001"/>
                                        <Node score="0.006770514508925294">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0041953801399370804">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.1707880000000001"/>
                                        <Node score="-2.3196986091858213e-05">
                                            <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="-0.1135815000000000"/>
                                        </Node>
                                        <Node score="-0.025063943048892427">
                                            <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="-0.1135815000000000"/>
                                        </Node>
                                    </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 score="0.005803561004354045">
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-2.5025980745406103e-06">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-0.0011371525340556463">
                                                <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.03019192503070025">
                                                <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="58" 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 score="0.03605213912738094">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="-0.1400485000000000"/>
                                        </Node>
                                        <Node score="6.511569202358934e-05">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="-0.1400485000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-3.864796935266501e-07">
                                            <SimplePredicate field="useratemore50maxcontimonsm12" operator="lessOrEqual" value="0.3599486000000001"/>
                                        </Node>
                                        <Node score="-0.01656023316295527">
                                            <SimplePredicate field="useratemore50maxcontimonsm12" operator="greaterThan" value="0.3599486000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="59" 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="0.014710834434272086">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="-0.2635230000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="-0.2635230000000000"/>
                                            <Node score="0.0009885022507630727">
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.7126480000000001"/>
                                            </Node>
                                            <Node score="-0.023522144132541292">
                                                <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.7126480000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.01476752058858668">
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="60" 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="0.013585809273048467">
                                        <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="0.0015222568198741254">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.3273984000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.3273984000000000"/>
                                            <Node score="-0.0012637047297363473">
                                                <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.0236523026265602">
                                                <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </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="max_loan_os_prcp_m12" operator="lessOrEqual" value="-0.0429984000000000"/>
                                        <Node score="0.014276625832858587">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.0458010000000000"/>
                                        </Node>
                                        <Node score="-0.0017653263294780779">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.0458010000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="-0.0429984000000000"/>
                                        <Node score="-9.364745981398527e-07">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="0.1105240000000000"/>
                                        </Node>
                                        <Node score="-0.016484274395156533">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="0.1105240000000000"/>
                                        </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="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.2143420000000000"/>
                                        <Node>
                                            <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="1.0443690000000003"/>
                                            <Node score="0.011302494657236926">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.0293405000000000"/>
                                            </Node>
                                            <Node score="-0.00014253440321721996">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.0293405000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.022674777156713448">
                                            <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.0443690000000003"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.011211637285156636">
                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.2143420000000000"/>
                                    </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>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.007794154003432402">
                                            <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="-0.2144025000000000"/>
                                        </Node>
                                        <Node score="0.011097743324325181">
                                            <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="-0.2144025000000000"/>
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                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0230629180617709">
                                            <SimplePredicate field="od_amt_m6_loan_os_prcp_m6_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.007618084604907845">
                                            <SimplePredicate field="od_amt_m6_loan_os_prcp_m6_pc" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <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"/>
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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>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.1707880000000001"/>
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                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.7126480000000001"/>
                                            <Node score="0.018808970413823792">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="-0.3397950000000000"/>
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                                            <Node score="0.0017214125032298721">
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                                        <Node score="-0.02192484506516393">
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                                    <Node score="-0.010640302415116239">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.1707880000000001"/>
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                            <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 score="0.01393555723248297">
                                        <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="0.0011967018569585864">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.3729135000000001"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.3729135000000001"/>
                                            <Node score="-0.0018374076535145967">
                                                <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="0.0443725000000000"/>
                                            </Node>
                                            <Node score="-0.02690968405996636">
                                                <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="0.0443725000000000"/>
                                            </Node>
                                        </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="min_apply_amt" operator="lessOrEqual" value="0.1707880000000001"/>
                                        <Node score="0.00029689880644470765">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="0.04500310342109548">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="0.4707758000000001"/>
                                            </Node>
                                            <Node score="3.302731439628663e-05">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="0.4707758000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.009301337667615091">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.1707880000000001"/>
                                    </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 score="0.010312546070478323">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="-0.2085595000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="-0.2085595000000000"/>
                                        <Node score="0.0008906638153974467">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="0.1894366000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="0.1894366000000000"/>
                                            <Node score="-0.002567701318388313">
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.3273984000000000"/>
                                            </Node>
                                            <Node score="-0.03177036272403755">
                                                <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.3273984000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
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                        </Segment>
                        <Segment id="68" 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="0.6042000000000002"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.2143420000000000"/>
                                            <Node score="0.009081105439125565">
                                                <SimplePredicate field="orig_prcp_avg_m12" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.0016682168894610085">
                                                <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="0.0000000000000000"/>
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                                        <Node score="-0.00738703291875845">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.2143420000000000"/>
                                        </Node>
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                                    <Node score="-0.012782740552949458">
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.6042000000000002"/>
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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"/>
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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"/>
                                    <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"/>
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                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <Node score="-0.005053265194475018">
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                                    <Node score="-0.014705239005198972">
                                        <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="0.8028671250000001"/>
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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"/>
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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"/>
                                    <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"/>
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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="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"/>
                                    <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="0.004566057569735797">
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.0000000000000000"/>
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                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.5768296250000001"/>
                                            <Node score="0.009008492725688766">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="-0.2085595000000000"/>
                                            </Node>
                                            <Node score="-0.0044633043447988175">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="-0.2085595000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.020495597815883962">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.5768296250000001"/>
                                        </Node>
                                    </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 score="0.014818909781061651">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="-0.2689559999999999"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="-0.2689559999999999"/>
                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="0.019019295751895562">
                                                <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="-0.0983550000000000"/>
                                            </Node>
                                            <Node score="-0.0014278704708245635">
                                                <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="-0.0983550000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.006248308197652705">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="72" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="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="0.0000000000000000"/>
                                        <Node score="-0.005570111937913625">
                                            <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="-0.2144025000000000"/>
                                        </Node>
                                        <Node score="0.007756267607794713">
                                            <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="-0.2144025000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.00033164194456042107">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.4661680000000001"/>
                                        </Node>
                                        <Node score="-0.015406358158050262">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.4661680000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </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="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="1.0591560000000002"/>
                                        <Node score="-0.0003293124009475502">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="0.028440462311503326">
                                                <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.1707880000000001"/>
                                            </Node>
                                            <Node score="-0.006293313201280151">
                                                <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.1707880000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.024847846346513745">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="1.0591560000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="74" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="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="1.0591560000000002"/>
                                        <Node score="0.006333618587478477">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node>
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-9.779090332471545e-07">
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.4661680000000001"/>
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                                            <Node score="-0.013161076290451941">
                                                <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.4661680000000001"/>
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                                        </Node>
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                                    <Node score="-0.025722780532585966">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="1.0591560000000002"/>
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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"/>
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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="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
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                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="-0.3397950000000000"/>
                                        </Node>
                                        <Node score="3.912242981079849e-07">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="-0.3397950000000000"/>
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                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-5.01636412890913e-05">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="-0.0078671000000000"/>
                                        </Node>
                                        <Node score="-0.026364394055083118">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="-0.0078671000000000"/>
                                        </Node>
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                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="76" 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="0.005049583275263117">
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0014902059495557887">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.5268500000000002"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.5268500000000002"/>
                                            <Node score="-7.66201135203083e-05">
                                                <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="-0.0078671000000000"/>
                                            </Node>
                                            <Node score="-0.04020761543727641">
                                                <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="-0.0078671000000000"/>
                                            </Node>
                                        </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="t_ps_od_days_max" operator="lessOrEqual" value="0.7126480000000001"/>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="-0.0794480000000000"/>
                                            <Node score="0.008002840571722323">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.5268500000000002"/>
                                            </Node>
                                            <Node score="-0.015656525883312206">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.5268500000000002"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.003383891186812649">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="-0.0794480000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.024303756403767578">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.7126480000000001"/>
                                    </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 score="0.004002077452229149">
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-1.8262628222078795e-06">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-1.708467240473138e-05">
                                                <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.02976320300692262">
                                                <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </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="max_loan_os_prcp_m12" operator="lessOrEqual" value="-0.0429984000000000"/>
                                        <Node score="0.01011682012688457">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.0458010000000000"/>
                                        </Node>
                                        <Node score="-0.0003492269165389713">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.0458010000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="-0.0429984000000000"/>
                                        <Node score="0.009538628370926833">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="-0.4479199999999999"/>
                                        </Node>
                                        <Node score="-0.004926406876333851">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="-0.4479199999999999"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        </Segment>
                        <Segment id="80" 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 score="0.009045884194969782">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="-0.2635230000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="-0.2635230000000000"/>
                                        <Node score="0.010972044911490347">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="-0.4479199999999999"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="-0.4479199999999999"/>
                                            <Node score="0.00012622259388383835">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="-0.0794480000000000"/>
                                            </Node>
                                            <Node score="-0.009169469307172955">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="-0.0794480000000000"/>
                                            </Node>
                                        </Node>
                                    </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="0.0023829546886076363">
                                        <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>
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="-0.0845815000000000"/>
                                            <Node score="-9.516175874427054e-05">
                                                <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.03882443241168256">
                                                <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-2.7514478870430557e-05">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="-0.0845815000000000"/>
                                        </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="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.2143420000000000"/>
                                            <Node score="-0.005928081981698398">
                                                <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="-0.2144025000000000"/>
                                            </Node>
                                            <Node score="0.009277488401003214">
                                                <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="-0.2144025000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.010120184971151774">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.2143420000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.006213095663141894">
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                    </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 score="0.011306715164347713">
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="-0.2147180000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="-0.2147180000000000"/>
                                        <Node score="-5.623982134211929e-07">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="0.0007033561877553319">
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.01805132350465975">
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
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                                    </Node>
                                </Node>
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                        <Segment id="84" 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="0.7126480000000001"/>
                                        <Node score="0.01092721491722497">
                                            <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="0.0008039898367112215">
                                                <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.1707880000000001"/>
                                            </Node>
                                            <Node score="-0.009893016459114558">
                                                <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.1707880000000001"/>
                                            </Node>
                                        </Node>
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                                    <Node score="-0.019994115407471532">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.7126480000000001"/>
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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"/>
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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="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"/>
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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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                                </MiningSchema>
                                <Node>
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                                    <Node>
                                        <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0035790531600993036">
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                                        <Node>
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-2.16891931261044e-06">
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                                                <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.0000000000000000"/>
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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="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="0.1707880000000001"/>
                                        <Node score="-0.00029325153455216015">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="0.025403838395603773">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="1.0591560000000002"/>
                                            </Node>
                                            <Node score="0.00011656457036694498">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="1.0591560000000002"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.00999839218534502">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.1707880000000001"/>
                                    </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="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.0293405000000000"/>
                                        <Node score="0.0066022462560074175">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="0.1102800000000000"/>
                                        </Node>
                                        <Node score="-0.0076201895960265">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="0.1102800000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.0293405000000000"/>
                                        <Node score="-2.2414144836415126e-06">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0104684649091565">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </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 score="0.0138625675626389">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="-0.2689559999999999"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="-0.2689559999999999"/>
                                        <Node score="0.0021297061443178084">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="0.00241637014711894">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="-0.2085595000000000"/>
                                            </Node>
                                            <Node score="-0.008994691416605393">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="-0.2085595000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="89" 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="-0.0006880589499476219">
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                    <Node>
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.1707880000000001"/>
                                            <Node score="0.026621996152197472">
                                                <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="1.0918585000000001"/>
                                            </Node>
                                            <Node score="0.00010642657310268449">
                                                <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="1.0918585000000001"/>
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                                        <Node score="-0.006955698298979894">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.1707880000000001"/>
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                        <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"/>
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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="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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                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.2143420000000000"/>
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                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.1513740000000000"/>
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                                        <Node score="-0.0046331616536460524">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
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                                    <Node>
                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.2143420000000000"/>
                                        <Node score="-1.1035027504800838e-05">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.0458010000000000"/>
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                                        <Node score="-0.02280943482951699">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.0458010000000000"/>
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                        <Segment id="91" 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="s_ps_od_days_max" operator="lessOrEqual" value="-0.1489715000000000"/>
                                        <Node>
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.4388886000000001"/>
                                            <Node score="0.00713024582767188">
                                                <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.2143420000000000"/>
                                            </Node>
                                            <Node score="-0.0043823414631101254">
                                                <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.2143420000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.010933702820615366">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.4388886000000001"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.005811686550648039">
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="-0.1489715000000000"/>
                                    </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 score="0.010821827381529762">
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="-0.2147180000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="-0.2147180000000000"/>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="-0.1135815000000000"/>
                                            <Node score="5.917351828142553e-06">
                                                <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="0.02237358335597961">
                                                <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.004427201557951242">
                                            <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="-0.1135815000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="93" 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="0.7662075000000000"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="-0.1400485000000000"/>
                                            <Node score="-0.0009495568351872467">
                                                <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="-0.2144025000000000"/>
                                            </Node>
                                            <Node score="0.01657682087086899">
                                                <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="-0.2144025000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.0010609703265776888">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="-0.1400485000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.013346373044066747">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="0.7662075000000000"/>
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                                </Node>
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                        <Segment id="94" 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="1.0443690000000003"/>
                                        <Node score="3.032112258223003e-07">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node>
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="0.02378833565648637">
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                                            <Node score="0.00013013442637946495">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="1.0591560000000002"/>
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                                    </Node>
                                    <Node score="-0.0202485618651822">
                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.0443690000000003"/>
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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"/>
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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"/>
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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="suc_apprv_num_m1" usageType="active"/>
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                                <Node>
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                                    <Node score="-0.017860283267016892">
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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="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="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.3930957500000001"/>
                                        <Node score="-0.0009499443016942144">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.005906308549429667">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.3930957500000001"/>
                                        <Node score="-0.02142994611142465">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="-0.0845815000000000"/>
                                        </Node>
                                        <Node score="-2.8815505325833347e-05">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="-0.0845815000000000"/>
                                        </Node>
                                    </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="max_loan_os_prcp_m12" operator="lessOrEqual" value="-0.0429984000000000"/>
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                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.0458010000000000"/>
                                        </Node>
                                        <Node score="-0.001319340294417979">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.0458010000000000"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="-0.0429984000000000"/>
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                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="0.1105240000000000"/>
                                        </Node>
                                        <Node score="-0.015191393434680367">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="0.1105240000000000"/>
                                        </Node>
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                                </Node>
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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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                                        <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="-0.1135815000000000"/>
                                        <Node score="6.1091315491852525e-06">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="0.02005773614734659">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="0.0000000000000000"/>
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                                        <Node score="-0.007263114421812424">
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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"/>
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                                    <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"/>
                                    <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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                                    <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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                                    <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"/>
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                                <Node>
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                                </MiningSchema>
                                <Node>
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                                    <Node>
                                        <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="-0.0429984000000000"/>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="-0.4479199999999999"/>
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                                                <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="-0.0983550000000000"/>
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                                            <Node score="5.5403199575544775e-05">
                                                <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="-0.0983550000000000"/>
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                                        <Node score="-0.004567044601207793">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="-0.4479199999999999"/>
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                        <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 score="0.009188580721190946">
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="-0.2147180000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="-0.2147180000000000"/>
                                        <Node>
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="-0.010984721784398214">
                                                <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="-0.2144025000000000"/>
                                            </Node>
                                            <Node score="0.0038580513639594736">
                                                <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="-0.2144025000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.00721215493078076">
                                            <SimplePredicate field="f_ps_od_days_max" 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="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.1513740000000000"/>
                                        <Node score="0.0051914313926725835">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="-0.0632235000000000"/>
                                        </Node>
                                        <Node score="-0.004219062053666997">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="-0.0632235000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
                                        <Node score="-3.704008287915411e-06">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.4388886000000001"/>
                                        </Node>
                                        <Node score="-0.01785042441251517">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.4388886000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="104" 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="min_apply_amt" operator="lessOrEqual" value="0.0458010000000000"/>
                                        <Node score="0.0004124572322005593">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.01832038797239185">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.0458010000000000"/>
                                        <Node score="-1.999349394223774e-06">
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                                        </Node>
                                        <Node score="-0.019902586367427772">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.2143420000000000"/>
                                        </Node>
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                                </Node>
                            </TreeModel>
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                        <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"/>
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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"/>
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                                </MiningSchema>
                                <Node>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                </MiningSchema>
                                <Node>
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                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.0000000000000000"/>
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                                        <Node score="-7.270480844243756e-05">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.4388886000000001"/>
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                                        <Node score="-0.018952052305669768">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.4388886000000001"/>
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                        <Segment id="107" weight="1">
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                            <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="useratemore70monthsubcurmonth" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.005797850586827493">
                                            <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="-0.2144025000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="-0.2144025000000000"/>
                                            <Node score="0.014921648214228509">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="-0.1400485000000000"/>
                                            </Node>
                                            <Node score="6.186230744437901e-05">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="-0.1400485000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.005107558186405119">
                                        <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="0.0000000000000000"/>
                                    </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 score="0.012363615147191776">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="-0.2689559999999999"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="-0.2689559999999999"/>
                                        <Node score="-4.425059802873151e-07">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.1513740000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
                                            <Node score="-9.275687497625961e-05">
                                                <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.4388886000000001"/>
                                            </Node>
                                            <Node score="-0.022142878200539624">
                                                <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.4388886000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="109" 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="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="2.9243034964465573e-07">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.013634697315761302">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.01974529145901664">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="-0.0845815000000000"/>
                                        </Node>
                                        <Node score="-2.397291707610412e-05">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="-0.0845815000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <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/>
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                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.7126480000000001"/>
                                        <Node score="0.010345975142940583">
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node>
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="0.004194542351705043">
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
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                                            <Node score="-0.002693371587217146">
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node score="-0.014271336410367373">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.7126480000000001"/>
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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"/>
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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="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"/>
                                </MiningSchema>
                                <Node>
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                                    <Node score="0.002997290132886234">
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                                    <Node>
                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.013554189377935911">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="-0.1353160000000000"/>
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                                        <Node>
                                            <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="-0.1353160000000000"/>
                                            <Node score="0.03305194295664857">
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="-0.3589120000000000"/>
                                            </Node>
                                            <Node score="-0.0018246853587982385">
                                                <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="-0.3589120000000000"/>
                                            </Node>
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                                </Node>
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                        <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="1.0443690000000003"/>
                                        <Node score="-0.0015641691156546014">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="0.013127701223155293">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="0.0302967000000000"/>
                                            </Node>
                                            <Node score="4.424684508031084e-06">
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="0.0302967000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.021713319428990414">
                                        <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.0443690000000003"/>
                                    </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="0.1707880000000001"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="-0.004634289378539725">
                                                <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="-0.2144025000000000"/>
                                            </Node>
                                            <Node score="0.0065807041404028245">
                                                <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="-0.2144025000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.0030083771423633607">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.006863551494178286">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.1707880000000001"/>
                                    </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 score="0.003061994140540853">
                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.002391979576559249">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="0.0302967000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="0.0302967000000000"/>
                                            <Node score="0.010023076939934634">
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="-0.3589120000000000"/>
                                            </Node>
                                            <Node score="-0.013399632297470175">
                                                <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="-0.3589120000000000"/>
                                            </Node>
                                        </Node>
                                    </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="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="-0.2635230000000000"/>
                                        <Node score="2.8780545083827388e-05">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="-0.1327050000000000"/>
                                        </Node>
                                        <Node score="0.013670634818414443">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="-0.1327050000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="-0.2635230000000000"/>
                                        <Node score="-2.010091951247904e-07">
                                            <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="1.0443690000000003"/>
                                        </Node>
                                        <Node score="-0.018696079566209188">
                                            <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.0443690000000003"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        </Segment>
                        <Segment id="116" 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"/>
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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>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="1.0591560000000002"/>
                                        <Node score="1.6279045850780153e-07">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.2361886000000000"/>
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                                        <Node>
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.2361886000000000"/>
                                            <Node score="0.021326464832587714">
                                                <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="-0.1489715000000000"/>
                                            </Node>
                                            <Node score="5.143170523192926e-05">
                                                <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="-0.1489715000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.01584917302634836">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="1.0591560000000002"/>
                                    </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="useratemore50maxcontimonsm12" operator="lessOrEqual" value="0.2394286000000000"/>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.0293405000000000"/>
                                            <Node score="-0.004078957045725562">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="-0.2089000000000000"/>
                                            </Node>
                                            <Node score="0.008902210303858484">
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="-0.2089000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.002112896471618159">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.0293405000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.00968809543863417">
                                        <SimplePredicate field="useratemore50maxcontimonsm12" operator="greaterThan" value="0.2394286000000000"/>
                                    </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="-0.1135815000000000"/>
                                        <Node score="-0.001095544636686303">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="-0.1353160000000000"/>
                                        </Node>
                                        <Node score="0.011845550115048764">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="-0.1353160000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="-0.1135815000000000"/>
                                        <Node score="-5.343492540707988e-07">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.008224805816994404">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.0000000000000000"/>
                                        </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>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.1707880000000001"/>
                                        <Node score="3.5697970904896117e-07">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="0.020702757578428304">
                                                <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="-0.1489715000000000"/>
                                            </Node>
                                            <Node score="4.723819024888648e-05">
                                                <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="-0.1489715000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.006046405655027738">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.1707880000000001"/>
                                    </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 score="0.010440340659956825">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="-0.2689559999999999"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="-0.2689559999999999"/>
                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="0.01560995100753464">
                                                <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="-0.0983550000000000"/>
                                            </Node>
                                            <Node score="-0.0018643586392820906">
                                                <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="-0.0983550000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.004881001767596506">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <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"/>
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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="0.0000000000000000"/>
                                        <Node score="-0.007417446644763903">
                                            <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="-0.2144025000000000"/>
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                                        <Node>
                                            <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="-0.2144025000000000"/>
                                            <Node score="0.01632412542749091">
                                                <SimplePredicate field="orig_prcp_avg_m12" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="1.4122446389640514e-05">
                                                <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0017102708385145157">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
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                        <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_l30_l90_used_amt_m_min" operator="lessOrEqual" value="0.6073375000000001"/>
                                        <Node score="0.009612915694895346">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="-0.2689559999999999"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="-0.2689559999999999"/>
                                            <Node score="0.0019798288480169083">
                                                <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.0034674549489083673">
                                                <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.014549345588697759">
                                        <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="0.6073375000000001"/>
                                    </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_now_l30_limit_left_d_min" operator="lessOrEqual" value="0.2526845000000000"/>
                                        <Node score="0.0038545405110371627">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="-0.1489715000000000"/>
                                        </Node>
                                        <Node score="-0.0030373684025392176">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="-0.1489715000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="0.2526845000000000"/>
                                        <Node score="-1.8714285095351678e-05">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.0618740000000000"/>
                                        </Node>
                                        <Node score="-0.02263813842002643">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.0618740000000000"/>
                                        </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 score="0.010098406450840435">
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="-0.3589120000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="-0.3589120000000000"/>
                                        <Node score="0.009592884584152002">
                                            <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="-5.780828376066602e-07">
                                                <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="-0.1489715000000000"/>
                                            </Node>
                                            <Node score="-0.007700554116313008">
                                                <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="-0.1489715000000000"/>
                                            </Node>
                                        </Node>
                                    </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="f_ps_od_days_max" operator="lessOrEqual" value="0.6042000000000002"/>
                                        <Node score="-0.0019239937169864263">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="-0.1353160000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="-0.1353160000000000"/>
                                            <Node score="0.012779028319598873">
                                                <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="-0.1135815000000000"/>
                                            </Node>
                                            <Node score="1.8899043349457376e-06">
                                                <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="-0.1135815000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.00754383896514295">
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.6042000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <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"/>
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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="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.1513740000000000"/>
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                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="-0.1400485000000000"/>
                                            <Node score="0.014707021873560716">
                                                <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="0.8028671250000001"/>
                                            </Node>
                                            <Node score="-0.009591064759644113">
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                                        </Node>
                                        <Node score="4.839193496202619e-07">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="-0.1400485000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.005041966172720499">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
                                    </Node>
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                        <Segment id="127" 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="0.1707880000000001"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="0.0015728933768829165">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.1513740000000000"/>
                                            </Node>
                                            <Node score="-0.006347670326069981">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.011372192168937971">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.006293570877759061">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.1707880000000001"/>
                                    </Node>
                                </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="t_ps_od_days_max" operator="lessOrEqual" value="0.7126480000000001"/>
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                                            <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="0.7662075000000000"/>
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                                        <Node score="-0.007599844509510657">
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                                    <Node>
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                                        <Node score="-0.0001803343494659614">
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                                        <Node score="-0.023006772780460864">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="-0.1400485000000000"/>
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                                </Node>
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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>
                                    <True/>
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                                        <Node score="0.006280658752579826">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="-0.0983550000000000"/>
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                                        <Node score="-0.00032129461333989343">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="-0.0983550000000000"/>
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                                        <Node score="-0.009701718904112294">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="0.0132100000000000"/>
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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"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" 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="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"/>
                                    <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="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
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                                <Node>
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                                <Node>
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                                <Node>
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                                        <Node score="-7.093332594430011e-08">
                                            <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="1.0443690000000003"/>
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                                        <Node score="-0.01710318352932864">
                                            <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.0443690000000003"/>
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                        <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="0.003119184357777128">
                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.014401414696884829">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="-0.3589120000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="-0.3589120000000000"/>
                                            <Node score="-2.3236118852140112e-06">
                                                <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.0458010000000000"/>
                                            </Node>
                                            <Node score="-0.009902940112673826">
                                                <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.0458010000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="134" 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="0.0013862960738270003">
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.0000000000000000"/>
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                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-2.9679007921285274e-06">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-8.970456847467793e-06">
                                                <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="-0.0429984000000000"/>
                                            </Node>
                                            <Node score="-0.013261304500936683">
                                                <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="-0.0429984000000000"/>
                                            </Node>
                                        </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="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0018744179928493897">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.0968315000000000"/>
                                        </Node>
                                        <Node score="-0.006520495469834396">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.0968315000000000"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.019201395103647156">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="-0.0845815000000000"/>
                                        </Node>
                                        <Node score="-2.3469010104282108e-05">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="-0.0845815000000000"/>
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                                    </Node>
                                </Node>
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                        <Segment id="136" 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"/>
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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="useratemore70monthsubcurmonth" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="0.004249522405743657">
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                                    <Node>
                                        <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-3.618947161883157e-06">
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                                        <Node score="-0.010222766146345773">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.2336831000000000"/>
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
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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"/>
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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"/>
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                                    <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="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="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="-0.4479199999999999"/>
                                            <Node score="-9.848543014033186e-05">
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                                        <Node score="-0.0007347010663211599">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="-0.4479199999999999"/>
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                                    </Node>
                                    <Node score="-0.011837067598475198">
                                        <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="0.6073375000000001"/>
                                    </Node>
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                        <Segment id="138" 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_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="2.6040254423042612e-05">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="-0.0879940000000000"/>
                                        </Node>
                                        <Node score="0.016853129966938718">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="-0.0879940000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-3.096173435032065e-07">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.6042000000000002"/>
                                        </Node>
                                        <Node score="-0.010162984141758126">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.6042000000000002"/>
                                        </Node>
                                    </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="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.2143420000000000"/>
                                        <Node score="0.003820048738586572">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.1513740000000000"/>
                                        </Node>
                                        <Node score="-0.0029286982413545973">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.2143420000000000"/>
                                        <Node score="-0.012291640587247143">
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                                        </Node>
                                        <Node score="-9.502221908990718e-06">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="0.0132100000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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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="-0.0001202011423659845">
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                    <Node>
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.1707880000000001"/>
                                            <Node score="0.019822781163784386">
                                                <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="1.0918585000000001"/>
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                                            <Node score="8.097125207088327e-05">
                                                <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="1.0918585000000001"/>
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                                        <Node score="-0.007287905081331947">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.1707880000000001"/>
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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"/>
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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="shd_pre_repay_amt_rate" operator="lessOrEqual" value="-0.2085595000000000"/>
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                                            <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="-0.1373500000000000"/>
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                                        <Node>
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                                    <Node score="-0.0022951956345667783">
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                <Node>
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                                        <Node score="-0.007425011100382338">
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                            <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"/>
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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"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <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="0.7662075000000000"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.2361886000000000"/>
                                            <Node score="0.0008000930990058262">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="0.2526845000000000"/>
                                            </Node>
                                            <Node score="-0.010527749658038139">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="0.2526845000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.013554779521620262">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.2361886000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.007903149288949215">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="0.7662075000000000"/>
                                    </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="-0.2085595000000000"/>
                                        <Node score="-0.002973844104185387">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="-0.2357485000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="-0.2357485000000000"/>
                                            <Node score="0.012451560737676538">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="0.7662075000000000"/>
                                            </Node>
                                            <Node score="-0.0027427670955123477">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="0.7662075000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0016457348553493916">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="-0.2085595000000000"/>
                                    </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="0.1513740000000000"/>
                                        <Node score="0.0039262933441899855">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="0.7662075000000000"/>
                                        </Node>
                                        <Node score="-0.011431395183606663">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="0.7662075000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
                                        <Node score="-3.849989930169397e-06">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.0458010000000000"/>
                                        </Node>
                                        <Node score="-0.009603174678281154">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.0458010000000000"/>
                                        </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="0.2336831000000000"/>
                                        <Node score="6.675418818153708e-07">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.007751504283434085">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.2336831000000000"/>
                                        <Node score="-4.810440839153645e-06">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.009024081648129423">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                </Node>
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                        <Segment id="147" 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"/>
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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="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.01748747729119099">
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                                        <Node score="2.1140574409596494e-05">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="-0.1400485000000000"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.010680502225145005">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="-0.3589120000000000"/>
                                        </Node>
                                        <Node score="-0.0030600012262125085">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="-0.3589120000000000"/>
                                        </Node>
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                                </Node>
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                        </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 score="-0.0008627658879064176">
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="-0.1489715000000000"/>
                                            <Node score="0.01987711383053952">
                                                <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="6.752688438579102e-05">
                                                <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="1.920042768974564e-05">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="-0.1489715000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="149" 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="-0.0019589843154374817">
                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="-0.1135815000000000"/>
                                            <Node score="0.024503624237236808">
                                                <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.2336831000000000"/>
                                            </Node>
                                            <Node score="5.5853448823484667e-05">
                                                <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.2336831000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="1.6497007427298506e-06">
                                            <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="-0.1135815000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="150" 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="1.0591560000000002"/>
                                        <Node score="-0.000490739332919802">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.2361886000000000"/>
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                                        <Node>
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.2361886000000000"/>
                                            <Node score="0.01706935287938335">
                                                <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.5409570000000001"/>
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                                            <Node score="3.110963118585414e-05">
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                                    </Node>
                                    <Node score="-0.013459725950700037">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="1.0591560000000002"/>
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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"/>
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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="0.006114034219222479">
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="-0.2147180000000000"/>
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                                        <Node score="-3.564972468934149e-07">
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                                        <Node>
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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="useratemore50maxcontimonsm12" usageType="active"/>
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                                <Node>
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                                        <Node score="-4.17876150303939e-05">
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                                        <Node score="-0.013423696174744844">
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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="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="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"/>
                                    <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="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_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="0.2705845000000001"/>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.1513740000000000"/>
                                            <Node score="-0.00040838055925157454">
                                                <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="-0.1353160000000000"/>
                                            </Node>
                                            <Node score="0.005017687149253217">
                                                <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="-0.1353160000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.0035254612565006112">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.009332363620759811">
                                        <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="0.2705845000000001"/>
                                    </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="t_ps_od_days_max" operator="lessOrEqual" value="0.7126480000000001"/>
                                        <Node score="-0.0002435292990299175">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="0.007804086163863118">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.5268500000000002"/>
                                            </Node>
                                            <Node score="-0.011106142460857088">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.5268500000000002"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.012781680931966237">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.7126480000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="155" 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="0.0010829347963827206">
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="-0.1489715000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="-0.1489715000000000"/>
                                        <Node score="-2.7103052370297596e-06">
                                            <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="-8.92173925956113e-05">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="-0.2635230000000000"/>
                                            </Node>
                                            <Node score="-0.014203492781286799">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="-0.2635230000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="156" 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="0.1513740000000000"/>
                                        <Node>
                                            <SimplePredicate field="useratemore50maxcontimonsm12" operator="lessOrEqual" value="0.2394286000000000"/>
                                            <Node score="8.911494447359308e-07">
                                                <SimplePredicate field="useratemore50maxcontimonsm12" operator="lessOrEqual" value="-0.0696160000000000"/>
                                            </Node>
                                            <Node score="0.009124380420926682">
                                                <SimplePredicate field="useratemore50maxcontimonsm12" operator="greaterThan" value="-0.0696160000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.005715064946536395">
                                            <SimplePredicate field="useratemore50maxcontimonsm12" operator="greaterThan" value="0.2394286000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.003472942573880278">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <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"/>
                                    <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="apprv_amt_day" operator="lessOrEqual" value="1.0918585000000001"/>
                                        <Node score="0.0077779863062268995">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="-0.2689559999999999"/>
                                        </Node>
                                        <Node score="-0.00048632210824398774">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="-0.2689559999999999"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="1.0918585000000001"/>
                                        <Node score="-5.027931764182395e-05">
                                            <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="0.0628504000000000"/>
                                        </Node>
                                        <Node score="-0.022602258374160702">
                                            <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="0.0628504000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="158" 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="0.2336831000000000"/>
                                        <Node score="-0.0005361001739380643">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.0055614620710574035">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.2336831000000000"/>
                                        <Node score="-2.829927933949803e-06">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="0.3401675000000001"/>
                                        </Node>
                                        <Node score="-0.010378033280863619">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="0.3401675000000001"/>
                                        </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="0.004200251948866238">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="-0.2085595000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="-0.2085595000000000"/>
                                        <Node score="0.0014972828835280116">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="0.0724393000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="0.0724393000000000"/>
                                            <Node score="-4.645997664073789e-06">
                                                <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.0000000000000000"/>
                                            </Node>
                                            <Node score="-0.010248664595464082">
                                                <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.0000000000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <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>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.0458010000000000"/>
                                        <Node score="5.729404733700047e-07">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="-0.0518852000000000"/>
                                        </Node>
                                        <Node score="0.005150025579840722">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="-0.0518852000000000"/>
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                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.0458010000000000"/>
                                        <Node score="-1.6439620340154496e-06">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.4661680000000001"/>
                                        </Node>
                                        <Node score="-0.012613669649372421">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.4661680000000001"/>
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                                    </Node>
                                </Node>
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                        <Segment id="161" 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/>
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                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="-0.1400485000000000"/>
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                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="-0.0983550000000000"/>
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                                        <Node score="3.3067984245310495e-06">
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                                    <Node>
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                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="0.0025780438775115143">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="0.0000000000000000"/>
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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="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" 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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                                <Node>
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                                    <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"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" 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"/>
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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"/>
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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 score="0.007738965843046563">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="-0.2689559999999999"/>
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                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="-0.2689559999999999"/>
                                        <Node>
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="0.014197964586225041">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="-0.1400485000000000"/>
                                            </Node>
                                            <Node score="2.6083490216769858e-05">
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="-0.1400485000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.0018248034549839336">
                                            <SimplePredicate field="avg_od_amt_m6_orig_prcp_pc" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </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="t_ps_od_days_max" operator="lessOrEqual" value="0.7126480000000001"/>
                                        <Node score="0.002131568102267003">
                                            <SimplePredicate field="useratemore50maxcontimonsm12" operator="lessOrEqual" value="0.2394286000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="useratemore50maxcontimonsm12" operator="greaterThan" value="0.2394286000000000"/>
                                            <Node score="-5.747239665792442e-06">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="0.4707758000000001"/>
                                            </Node>
                                            <Node score="-0.02136687300072567">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="0.4707758000000001"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.012488326064522383">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.7126480000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="165" 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="0.2705845000000001"/>
                                        <Node score="-0.002804958938059203">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="-0.1327050000000000"/>
                                        </Node>
                                        <Node score="0.0022077051688911835">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="-0.1327050000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="0.2705845000000001"/>
                                        <Node score="-1.9461403209426014e-05">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.018035278386745495">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="166" 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="0.0000000000000000"/>
                                        <Node score="-0.004776764521711823">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="-0.2357485000000000"/>
                                        </Node>
                                        <Node score="0.005846560227320023">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="-0.2357485000000000"/>
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                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.00019725355362145222">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="0.2507030000000001"/>
                                        </Node>
                                        <Node score="-0.008268172745761602">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="0.2507030000000001"/>
                                        </Node>
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                        <Segment id="167" 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="0.0010064912993276616">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.5268500000000002"/>
                                    </Node>
                                    <Node score="-0.0057250831165166416">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.5268500000000002"/>
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                        <Segment id="168" 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"/>
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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"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
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                                    <MiningField name="od_amt_m6_loan_os_prcp_m6_pc" usageType="active"/>
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                                </MiningSchema>
                                <Node>
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                                        <Node score="0.01079515010230453">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="-0.1327050000000000"/>
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                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="-0.2870925000000000"/>
                                        <Node score="-0.007922737104475424">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-3.9588452918036215e-07">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                        <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="ps_int_amt_avg" operator="lessOrEqual" value="0.2705845000000001"/>
                                        <Node score="-0.0013059820357667253">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="-0.0518852000000000"/>
                                        </Node>
                                        <Node score="0.0035491095428984063">
                                            <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="-0.0518852000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="0.2705845000000001"/>
                                        <Node score="-0.0121247598684329">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-7.617481655168593e-05">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </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="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.1513740000000000"/>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="-0.2089000000000000"/>
                                            <Node score="0.006968066707327696">
                                                <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="-0.2147180000000000"/>
                                            </Node>
                                            <Node score="-0.009452299236542897">
                                                <SimplePredicate field="min_apply_amt" operator="greaterThan" value="-0.2147180000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.0027905266415457217">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="-0.2089000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.004755946180407488">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
                                    </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="0.3930957500000001"/>
                                        <Node score="1.5247114008247152e-07">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.009816033862434194">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.3930957500000001"/>
                                        <Node score="-6.568267398110526e-05">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="-0.1927980000000000"/>
                                        </Node>
                                        <Node score="-0.010860949776676499">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="-0.1927980000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <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"/>
                                    <MiningField name="cre_now_l60_used_amt_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="0.0000000000000000"/>
                                        <Node score="0.0036834744356913397">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="-0.1927980000000000"/>
                                        </Node>
                                        <Node score="-0.0015528350486961095">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="-0.1927980000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.011061888878769927">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.5409570000000001"/>
                                        </Node>
                                        <Node score="1.8170899079400905e-05">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.5409570000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="173" 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="max_loan_os_prcp_m12" operator="lessOrEqual" value="-0.0429984000000000"/>
                                        <Node score="0.004874741477259655">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.4661680000000001"/>
                                        </Node>
                                        <Node score="-0.00016610257652338185">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.4661680000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="-0.0429984000000000"/>
                                        <Node score="0.003718307118646619">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="-0.4479199999999999"/>
                                        </Node>
                                        <Node score="-0.0028518177529100264">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="-0.4479199999999999"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="174" 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="0.005525706372163493">
                                        <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="0.009988128378544901">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="-0.3589120000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="-0.3589120000000000"/>
                                            <Node score="-0.0010222734479373812">
                                                <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="1.0443690000000003"/>
                                            </Node>
                                            <Node score="-0.012373080338887172">
                                                <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.0443690000000003"/>
                                            </Node>
                                        </Node>
                                    </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 score="0.004068970720552745">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="-0.2870925000000000"/>
                                    </Node>
                                    <Node score="-0.001488533037082148">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="-0.2870925000000000"/>
                                    </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>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.7126480000000001"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.2361886000000000"/>
                                            <Node score="0.005774592970768385">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="-0.2085595000000000"/>
                                            </Node>
                                            <Node score="-0.0010254005026968792">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="-0.2085595000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="0.007015231120345683">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.2361886000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.01005755753904819">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.7126480000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="177" 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="0.005951053160824735">
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="-0.3589120000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="-0.3589120000000000"/>
                                        <Node score="0.004629979962980883">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="-0.2689559999999999"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="-0.2689559999999999"/>
                                            <Node score="-0.005824672561618614">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="-0.1314215000000000"/>
                                            </Node>
                                            <Node score="-0.0001270801889476693">
                                                <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="-0.1314215000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                </Node>
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                        </Segment>
                        <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_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>
                                        <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="0.6073375000000001"/>
                                        <Node score="-0.0004631636348491311">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="-0.0845815000000000"/>
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                                        <Node>
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="-0.0845815000000000"/>
                                            <Node score="0.0126515934455877">
                                                <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.2607924000000000"/>
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                                            <Node score="4.897717268979657e-05">
                                                <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.2607924000000000"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.009252034547830112">
                                        <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="0.6073375000000001"/>
                                    </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="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="-0.2870925000000000"/>
                                        <Node score="5.255351280848518e-06">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="0.0132100000000000"/>
                                        </Node>
                                        <Node score="0.01007945354801977">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="0.0132100000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="-0.2870925000000000"/>
                                        <Node score="-0.007677813626809468">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-2.2061788928042293e-07">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </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="available_limit_amt" operator="lessOrEqual" value="0.2336831000000000"/>
                                        <Node score="0.005135067568300365">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="-0.0983550000000000"/>
                                        </Node>
                                        <Node score="-0.00017504649340827495">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="-0.0983550000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0031326615173521643">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.2336831000000000"/>
                                    </Node>
                                </Node>
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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="0.0012053768579239593">
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.1707880000000001"/>
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                                    <Node>
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                                        <Node score="-7.432061543013427e-06">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.009195862459703035">
                                            <SimplePredicate field="avg_tnr" 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"/>
                                    <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"/>
                                    <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"/>
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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>
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                                    <Node>
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                                        <Node score="-0.00038229487169350913">
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                                        <Node score="-0.010203621024776448">
                                            <SimplePredicate field="useratemore50maxcontimonsm12" operator="greaterThan" value="0.2394286000000000"/>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" 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="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
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                                <Node>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
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                                    <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="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="1.0591560000000002"/>
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                                            <Node score="3.1035805568970397e-06">
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                                        <Node score="-0.0005401612920004214">
                                            <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="-0.1135815000000000"/>
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                                    <Node score="-0.012603718202472424">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="1.0591560000000002"/>
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                        <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>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="1.0591560000000002"/>
                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node score="0.005629177697490854">
                                                <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="0.0628504000000000"/>
                                            </Node>
                                            <Node score="4.265971575700885e-06">
                                                <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="0.0628504000000000"/>
                                            </Node>
                                        </Node>
                                        <Node score="-0.0004397121112582175">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.01193065257018002">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="1.0591560000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
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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="-0.005945604022610713">
                                        <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="-0.2144025000000000"/>
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                                    <Node>
                                        <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="-0.2144025000000000"/>
                                        <Node score="0.0025183787202187205">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.0458010000000000"/>
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                                        <Node>
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.0458010000000000"/>
                                            <Node score="-3.1806679506054468e-06">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.0293405000000000"/>
                                            </Node>
                                            <Node score="-0.0064372823845523066">
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.0293405000000000"/>
                                            </Node>
                                        </Node>
                                    </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="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.2143420000000000"/>
                                        <Node>
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.1189705000000000"/>
                                            <Node score="0.001015351615290245">
                                                <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="-0.1142520000000000"/>
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                                            <Node score="-0.006873393001872837">
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                                        <Node score="0.004496912159557759">
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                                    <Node score="-0.004283821662827754">
                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.2143420000000000"/>
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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"/>
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                                </MiningSchema>
                                <Node>
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                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="0.0000000000000000"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                        <Segment id="190" weight="1">
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                                <MiningSchema>
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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"/>
                                    <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="0.006808081286843691">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="-0.2689559999999999"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="-0.2689559999999999"/>
                                        <Node score="-0.003992068041034886">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="-0.1314215000000000"/>
                                        </Node>
                                        <Node score="3.1451774927456305e-05">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="-0.1314215000000000"/>
                                        </Node>
                                    </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 score="0.002165825939008561">
                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.0026171002100022745">
                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="0.0000000000000000"/>
                                    </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 score="0.005202682674105684">
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="-0.2635230000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="-0.2635230000000000"/>
                                        <Node score="-9.257314875649418e-09">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.7126480000000001"/>
                                        </Node>
                                        <Node score="-0.012409302644137681">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.7126480000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="193" 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="0.2361886000000000"/>
                                        <Node score="-2.3554996254022762e-07">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="-0.0632235000000000"/>
                                        </Node>
                                        <Node score="-0.004039861816299235">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="-0.0632235000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.2361886000000000"/>
                                        <Node score="0.00952881863781018">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.5409570000000001"/>
                                        </Node>
                                        <Node score="1.4611379976512372e-05">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.5409570000000001"/>
                                        </Node>
                                    </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"/>
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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="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.5268500000000002"/>
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                                        <Node score="-0.00032076931871229754">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="-0.0983550000000000"/>
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                                    <Node score="-0.0069517589452467304">
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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"/>
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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"/>
                                    <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="-0.004648853236893097">
                                        <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="-0.2144025000000000"/>
                                    </Node>
                                    <Node score="0.00045824099754164695">
                                        <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="-0.2144025000000000"/>
                                    </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 score="-0.00041617337396040506">
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="0.004949067089195084">
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0000000000000000"/>
                                    </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 score="0.0015835734181029288">
                                        <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="-0.0429984000000000"/>
                                    </Node>
                                    <Node score="-0.0017915777358209017">
                                        <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="-0.0429984000000000"/>
                                    </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"/>
                                    <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="0.006088763292256735">
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="-0.3589120000000000"/>
                                    </Node>
                                    <Node score="-0.0007569184157058133">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="-0.3589120000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="199" 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="-0.005405024330765202">
                                        <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="-0.2144025000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="-0.2144025000000000"/>
                                        <Node score="0.014511466604170324">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="-0.5627554999999999"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="-0.5627554999999999"/>
                                            <Node score="0.00018679285597236498">
                                                <SimplePredicate field="suc_apprv_num_m1" operator="lessOrEqual" value="1.0443690000000003"/>
                                            </Node>
                                            <Node score="-0.016101504822496667">
                                                <SimplePredicate field="suc_apprv_num_m1" operator="greaterThan" value="1.0443690000000003"/>
                                            </Node>
                                        </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 score="0.001424425266359079">
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="-0.1489715000000000"/>
                                    </Node>
                                    <Node score="-0.002252297905825312">
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="-0.1489715000000000"/>
                                    </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_now_l60_used_amt_m_min" operator="lessOrEqual" value="1.0591560000000002"/>
                                        <Node score="0.0013288755571072147">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.6042000000000002"/>
                                        </Node>
                                        <Node score="-0.003715305627894055">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.6042000000000002"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0131861479312066">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="1.0591560000000002"/>
                                    </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 score="0.0036174285904239456">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="-0.2085595000000000"/>
                                    </Node>
                                    <Node score="-0.0005398036357419373">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="-0.2085595000000000"/>
                                    </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="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="0.7662075000000000"/>
                                        <Node score="0.0033196471278420753">
                                            <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="-0.1135815000000000"/>
                                        </Node>
                                        <Node score="-0.0003367524563688393">
                                            <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="-0.1135815000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="0.7662075000000000"/>
                                        <Node score="-0.00015177617864085984">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="-0.4479199999999999"/>
                                        </Node>
                                        <Node score="-0.011696505053755642">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="-0.4479199999999999"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <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"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_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="0.007869070826852485">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="-0.3589120000000000"/>
                                        </Node>
                                        <Node score="6.330639948907845e-08">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="-0.3589120000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-8.119155160613434e-06">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.1707880000000001"/>
                                        </Node>
                                        <Node score="-0.020359936804682417">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.1707880000000001"/>
                                        </Node>
                                    </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="0.0005956096505313019">
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="0.1707880000000001"/>
                                    </Node>
                                    <Node score="-0.004522982774009535">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.1707880000000001"/>
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                        <Segment id="206" 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="-0.001907315984963212">
                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="0.002539119264601499">
                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="0.0000000000000000"/>
                                    </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="0.0016422674965097775">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.1513740000000000"/>
                                    </Node>
                                    <Node score="-0.00219962927721813">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="208" 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="0.0011357052416184922">
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-1.846427637569511e-06">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.005414305904375469">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="209" 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="0.005782742597631701">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="-0.2689559999999999"/>
                                    </Node>
                                    <Node score="-0.0006512810981046641">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="-0.2689559999999999"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <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="0.0009068956959797695">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.1513740000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
                                        <Node score="-0.0054841219887091655">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-1.523614202155094e-05">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </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="0.0008152811051728865">
                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="0.2526845000000000"/>
                                    </Node>
                                    <Node score="-0.004762564873886225">
                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="0.2526845000000000"/>
                                    </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="-0.0004835099423142203">
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="0.004833069090747491">
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" 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="0.001324537718840849">
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="-0.1489715000000000"/>
                                    </Node>
                                    <Node score="-0.0026459365703451975">
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="-0.1489715000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </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 score="-0.0015418099959610752">
                                        <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="-0.1353160000000000"/>
                                    </Node>
                                    <Node score="0.0020338893292145927">
                                        <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="-0.1353160000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <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>
                                        <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="-0.1135815000000000"/>
                                        <Node score="2.7816521454260787e-06">
                                            <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="-0.2221910000000000"/>
                                        </Node>
                                        <Node score="0.01035641354077476">
                                            <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="-0.2221910000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0010024120637220385">
                                        <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="-0.1135815000000000"/>
                                    </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>
                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="1.2540568145803387e-07">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.007214490490445013">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.015623903348105813">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.2684595000000001"/>
                                        </Node>
                                        <Node score="-3.3008529954745065e-06">
                                            <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.2684595000000001"/>
                                        </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="min_apply_amt" operator="lessOrEqual" value="0.1707880000000001"/>
                                        <Node score="0.002536048275317365">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.1513740000000000"/>
                                        </Node>
                                        <Node score="-0.0011535168572051723">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.003558050664050378">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="0.1707880000000001"/>
                                    </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 score="0.00620375464923629">
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="-0.3589120000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="-0.3589120000000000"/>
                                        <Node score="0.0034075453267230146">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="-0.2803054999999999"/>
                                        </Node>
                                        <Node score="-0.0022815975399777646">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="-0.2803054999999999"/>
                                        </Node>
                                    </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 score="1.6121244276075117e-07">
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="0.005946950091152321">
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="220" 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="0.0029184313662535912">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="-0.2870925000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="-0.2870925000000000"/>
                                        <Node score="-0.008223687235052199">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="0.0000000000000000"/>
                                            <Node score="0.0009788757413478123">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.5268500000000002"/>
                                            </Node>
                                            <Node score="-0.007485589113887192">
                                                <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.5268500000000002"/>
                                            </Node>
                                        </Node>
                                    </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 score="0.002438351286313141">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.0008655326495590633">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                    </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="5.322412424641041e-08">
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.2361886000000000"/>
                                    </Node>
                                    <Node score="0.005127768740389087">
                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.2361886000000000"/>
                                    </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="0.0032564753929748675">
                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="-0.1400485000000000"/>
                                    </Node>
                                    <Node score="-0.0009234810284191655">
                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="-0.1400485000000000"/>
                                    </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="0.0005141195507544341">
                                        <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="0.2705845000000001"/>
                                    </Node>
                                    <Node score="-0.005973180205077867">
                                        <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="0.2705845000000001"/>
                                    </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="-1.3670833780256982e-07">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="lessOrEqual" value="0.7662075000000000"/>
                                    </Node>
                                    <Node score="-0.00765677047404285">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="0.7662075000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </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_l60_used_amt_m_min" operator="lessOrEqual" value="1.0591560000000002"/>
                                        <Node score="0.0015829267140322623">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="0.1105240000000000"/>
                                        </Node>
                                        <Node score="-0.0032321950523119414">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="0.1105240000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.012304987294062467">
                                        <SimplePredicate field="cre_now_l60_used_amt_m_min" operator="greaterThan" value="1.0591560000000002"/>
                                    </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 score="0.0015866069641801088">
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.002717326820908806">
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="0.0000000000000000"/>
                                    </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="8.074827409379086e-05">
                                        <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="0.2705845000000001"/>
                                    </Node>
                                    <Node score="-0.006477923039712">
                                        <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="0.2705845000000001"/>
                                    </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="0.0010652714591062142">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.1513740000000000"/>
                                    </Node>
                                    <Node score="-0.002890943330219755">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </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"/>
                                    <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="0.0032057887547397314">
                                        <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="-0.1135815000000000"/>
                                    </Node>
                                    <Node score="-0.0006917823318766846">
                                        <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="-0.1135815000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="231" 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="-0.0018720926198448093">
                                        <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="-0.1353160000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="-0.1353160000000000"/>
                                        <Node score="0.0040739804196929155">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="0.1255119000000000"/>
                                        </Node>
                                        <Node score="1.0600373772117781e-06">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="0.1255119000000000"/>
                                        </Node>
                                    </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="0.0021819809248406893">
                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="-0.1400485000000000"/>
                                    </Node>
                                    <Node score="-0.0015689941839651886">
                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="-0.1400485000000000"/>
                                    </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="-3.678923812114336e-05">
                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="-0.0518852000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="-0.0518852000000000"/>
                                        <Node score="0.005857181258125013">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.1513740000000000"/>
                                        </Node>
                                        <Node score="-0.0005020739333326904">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.1513740000000000"/>
                                        </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="-0.004089303881020355">
                                        <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="-0.2144025000000000"/>
                                    </Node>
                                    <Node score="0.0008914352900784724">
                                        <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="-0.2144025000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="235" 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="0.0038637086024193687">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="-0.4479199999999999"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="-0.4479199999999999"/>
                                        <Node score="-0.005489740380334734">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-3.5087492773051424e-07">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="0.0000000000000000"/>
                                        </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>
