コード例 #1
0
 $stgOneHitId = $experian_response['responseMap']['stgOneHitId'];
 $stgTwoHitId = $experian_response['responseMap']['stgTwoHitId'];
 $jsessionId2 = $experian_response['responseMap']['jsessionId2'];
 if ($exprianErrors == 'Success') {
     $xmlResponse = $experian_response['xmlResponse'];
     $new_xml_response = str_replace("'", "\\'", $xmlResponse);
     $htmlResponse = $experian_response['totalResponse'];
     $created_date = date('Y-m-d H:i:s');
     global $report_path;
     $myfile = fopen($report_path . $user_id . date('Y-m-d') . ".html", "w") or die("Unable to open file!");
     $report_file_name = $report_path . $user_id . date('Y-m-d') . ".html";
     $txt = $htmlResponse;
     fwrite($myfile, $txt);
     fclose($myfile);
     $experan_data = mysql_query_with_throw("INSERT INTO  `tbl_experian_data` ( `user_id` ,`score_id` , `xml_data` ,  `created`, `file_name` )  VALUES ('{$user_id}' ,'{$score_id}',\n\t\t\t '{$new_xml_response}', '{$created_date}', '{$report_file_name}');");
     parseXmlAndUpdateDB($new_xml_response, $user_id, $score_id);
     // add email code here for successful report
     // send sms to user with email template
     $file_list = array(array("path" => $filePath1, "file_name" => $id_name));
     $fetch_user_detail = "select firstname, mobile, owner, email from tbl_userdetails where id='{$user_id}';";
     $result = mysql_query_with_throw($fetch_user_detail);
     $data = mysql_fetch_array($result);
     if ($data['owner']) {
         $owner_id = $data['owner'];
         $owner = mysql_query_with_throw("select email from tbl_admin where id='{$owner_id}'");
         $owner_set = mysql_fetch_array($owner);
         $owner_email = $owner_set['email'];
         $bcc = array();
         array_push($bcc, $owner_email);
     } else {
         $bcc = array("");
コード例 #2
0
        if ($exprianErrors != '') {
            $msg_register = "<div id='gt-formfeedback'>{$errorToDispaly}</div>";
        }
        $questionHeading = $experian_response['responseMap']['questionToCustomer']['question'];
        $optionsSet1 = $experian_response['responseMap']['questionToCustomer']['optionsSet1'];
        $optionsSet2 = $experian_response['responseMap']['questionToCustomer']['optionsSet2'];
        $qid = $experian_response['responseMap']['questionToCustomer']['qid'];
        $toolTip = $experian_response['responseMap']['questionToCustomer']['toolTip'];
        $stgOneHitId = $experian_response['responseMap']['stgOneHitId'];
        $stgTwoHitId = $experian_response['responseMap']['stgTwoHitId'];
        $jsessionId2 = $experian_response['responseMap']['jsessionId2'];
        if ($exprianErrors == 'Success') {
            $xmlResponse = $experian_response['xmlResponse'];
            //echo $xmlResponse;
            /* $reponseXmlData  ='<?xml version="1.0"?> <INProfileResponse>     <Header>         <SystemCode>0</SystemCode>         <MessageText/>         <ReportDate>20141014</ReportDate>         <ReportTime>104239</ReportTime>     </Header>     <UserMessage>         <UserMessageText>Normal Response</UserMessageText>     </UserMessage>     <CreditProfileHeader>         <Enquiry_Username>Per_User</Enquiry_Username>         <ReportDate>20141014</ReportDate>         <ReportTime>10:42:38</ReportTime>         <Version>V2.4</Version>         <ReportNumber>4150</ReportNumber>         <Subscriber>BUREXPCV02</Subscriber>         <Subscriber_Name>Experian Credit View</Subscriber_Name>     </CreditProfileHeader>     <Current_Application>         <Current_Application_Details>             <Enquiry_Reason>06</Enquiry_Reason>             <Finance_Purpose/>             <Amount_Financed>0</Amount_Financed>             <Duration_Of_Agreement>0</Duration_Of_Agreement>             <Current_Applicant_Details>                 <Last_Name>BALAN</Last_Name>                 <First_Name>SACHIN</First_Name>                 <Middle_Name1/>                 <Middle_Name2/>                 <Middle_Name3/>                 <Gender_Code>2</Gender_Code>                 <IncomeTaxPan>BUQPD1111A</IncomeTaxPan>                 <PAN_Issue_Date>19010201</PAN_Issue_Date>                 <PAN_Expiration_Date>19010201</PAN_Expiration_Date>                 <Passport_number/>                 <Passport_Issue_Date>19010201</Passport_Issue_Date>                 <Passport_Expiration_Date>19010201</Passport_Expiration_Date>                 <Voter_s_Identity_Card/>                 <Voter_ID_Issue_Date>19010201</Voter_ID_Issue_Date>                 <Voter_ID_Expiration_Date>19010201</Voter_ID_Expiration_Date>                 <Driver_License_Number/>                 <Driver_License_Issue_Date>19010201</Driver_License_Issue_Date>                 <Driver_License_Expiration_Date>19010201</Driver_License_Expiration_Date>                 <Ration_Card_Number/>                 <Ration_Card_Issue_Date>19010201</Ration_Card_Issue_Date>                 <Ration_Card_Expiration_Date>19010201</Ration_Card_Expiration_Date>                 <Universal_ID_Number/>                 <Universal_ID_Issue_Date>19010201</Universal_ID_Issue_Date>                 <Universal_ID_Expiration_Date>19010201</Universal_ID_Expiration_Date>                 <Date_Of_Birth_Applicant>19770904</Date_Of_Birth_Applicant>                 <Telephone_Number_Applicant_1st>9767806715</Telephone_Number_Applicant_1st>                 <Telephone_Extension/>                 <Telephone_Type/>                 <MobilePhoneNumber>9228103167</MobilePhoneNumber>                 <EMailId> poonam.bhise@augmentiq.in</EMailId>             </Current_Applicant_Details>             <Current_Other_Details>                 <Income/>                 <Marital_Status/>                 <Employment_Status/>                 <Time_with_Employer/>                 <Number_of_Major_Credit_Card_Held/>             </Current_Other_Details>             <Current_Applicant_Address_Details>                 <FlatNoPlotNoHouseNo>     WARD     </FlatNoPlotNoHouseNo>                 <BldgNoSocietyName/>                 <RoadNoNameAreaLocality>     Domalguda     </RoadNoNameAreaLocality>                 <City>ARCOT</City>                 <Landmark/>                 <State>32</State>                 <PINCode>632503</PINCode>                 <Country_Code>IB</Country_Code>             </Current_Applicant_Address_Details>         </Current_Application_Details>     </Current_Application>     <CAIS_Account>         <CAIS_Summary>             <Credit_Account>                 <CreditAccountTotal>7</CreditAccountTotal>                 <CreditAccountActive>4</CreditAccountActive>                 <CreditAccountDefault>2</CreditAccountDefault>                 <CreditAccountClosed>1</CreditAccountClosed>                 <CADSuitFiledCurrentBalance>80873</CADSuitFiledCurrentBalance>             </Credit_Account>             <Total_Outstanding_Balance>                 <Outstanding_Balance_Secured>12435</Outstanding_Balance_Secured>                 <Outstanding_Balance_Secured_Percentage>15</Outstanding_Balance_Secured_Percentage>                 <Outstanding_Balance_UnSecured>68438</Outstanding_Balance_UnSecured>                 <Outstanding_Balance_UnSecured_Percentage>85</Outstanding_Balance_UnSecured_Percentage>                 <Outstanding_Balance_All>80873</Outstanding_Balance_All>             </Total_Outstanding_Balance>         </CAIS_Summary>         <CAIS_Account_DETAILS>             <Identification_Number>DUMMYSUB01</Identification_Number>             <Subscriber_Name>City Bank</Subscriber_Name>             <Account_Number>DUMMYACC1</Account_Number>             <Portfolio_Type>I</Portfolio_Type>             <Account_Type>07</Account_Type>             <Open_Date>20070208</Open_Date>             <Highest_Credit_or_Original_Loan_Amount>100000</Highest_Credit_or_Original_Loan_Amount>             <Terms_Duration>001</Terms_Duration>             <Terms_Frequency/>             <Scheduled_Monthly_Payment_Amount>0</Scheduled_Monthly_Payment_Amount>             <Account_Status>22</Account_Status>             <Payment_Rating>B</Payment_Rating>             <Payment_History_Profile>BBBBBBBBBBBBBBBBBBBBBBB?????????????</Payment_History_Profile>             <Special_Comment/>             <Current_Balance>12435</Current_Balance>             <Amount_Past_Due/>             <Original_Charge_Off_Amount/>             <Date_Reported>20140830</Date_Reported>             <Date_of_First_Delinquency>19010201</Date_of_First_Delinquency>             <Date_Closed/>             <Date_of_Last_Payment>20140603</Date_of_Last_Payment>             <SuitFiledWillfulDefaultWrittenOffStatus/>             <SuitFiled_WillfulDefault/>             <Written_off_Settled_Status/>             <Value_of_Credits_Last_Month/>             <Occupation_Code/>             <Settlement_Amount/>             <Value_of_Collateral/>             <Type_of_Collateral/>             <Written_Off_Amt_Total/>             <Written_Off_Amt_Principal/>             <Rate_of_Interest/>             <Repayment_Tenure/>             <Promotional_Rate_Flag/>             <Income>0</Income>             <Income_Indicator/>             <Income_Frequency_Indicator/>             <DefaultStatusDate/>             <LitigationStatusDate/>             <WriteOffStatusDate/>             <CurrencyCode>INR</CurrencyCode>             <Subscriber_comments/>             <Consumer_comments/>             <AccountHoldertypeCode>1</AccountHoldertypeCode>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>M</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>04</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>L</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>4</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>08</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>07</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>06</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>05</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>04</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>03</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>02</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>01</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>08</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>07</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>06</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>05</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>04</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>03</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>02</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>01</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Holder_Details>                 <Surname_Non_Normalized>SACHIN</Surname_Non_Normalized>                 <First_Name_Non_Normalized>BALAN</First_Name_Non_Normalized>                 <Middle_Name_1_Non_Normalized/>                 <Middle_Name_2_Non_Normalized/>                 <Middle_Name_3_Non_Normalized/>                 <Alias/>                 <Gender_Code>2</Gender_Code>                 <Income_TAX_PAN/>                 <Passport_Number/>                 <Voter_ID_Number/>                 <Date_of_birth>19770904</Date_of_birth>             </CAIS_Holder_Details>             <CAIS_Holder_Address_Details>                 <First_Line_Of_Address_non_normalized>WARD</First_Line_Of_Address_non_normalized>                 <Second_Line_Of_Address_non_normalized>Domalguda</Second_Line_Of_Address_non_normalized>                 <Third_Line_Of_Address_non_normalized/>                 <City_non_normalized>ARCOT</City_non_normalized>                 <Fifth_Line_Of_Address_non_normalized/>                 <State_non_normalized>32</State_non_normalized>                 <ZIP_Postal_Code_non_normalized>632503</ZIP_Postal_Code_non_normalized>                 <CountryCode_non_normalized>IB</CountryCode_non_normalized>                 <Address_indicator_non_normalized></Address_indicator_non_normalized>                 <Residence_code_non_normalized></Residence_code_non_normalized>             </CAIS_Holder_Address_Details>             <CAIS_Holder_Phone_Details>                 <Telephone_Number>9767806715</Telephone_Number>                 <Telephone_Type/>                 <Telephone_Extension/>                 <Mobile_Telephone_Number/>                 <FaxNumber/>                 <EMailId>sachin.balan@gmail.com</EMailId>             </CAIS_Holder_Phone_Details>             <CAIS_Holder_ID_Details>                 <Income_TAX_PAN/>                 <PAN_Issue_Date>19010201</PAN_Issue_Date>                 <PAN_Expiration_Date>19010201</PAN_Expiration_Date>                 <Passport_Number/>                 <Passport_Issue_Date>19010201</Passport_Issue_Date>                 <Passport_Expiration_Date>19010201</Passport_Expiration_Date>                 <Voter_ID_Number/>                 <Voter_ID_Issue_Date>19010201</Voter_ID_Issue_Date>                 <Voter_ID_Expiration_Date>19010201</Voter_ID_Expiration_Date>                 <Driver_License_Number/>                 <Driver_License_Issue_Date>19010201</Driver_License_Issue_Date>                 <Driver_License_Expiration_Date>19010201</Driver_License_Expiration_Date>                 <Ration_Card_Number/>                 <Ration_Card_Issue_Date>19010201</Ration_Card_Issue_Date>                 <Ration_Card_Expiration_Date>19010201</Ration_Card_Expiration_Date>                 <Universal_ID_Number/>                 <Universal_ID_Issue_Date>19010201</Universal_ID_Issue_Date>                 <Universal_ID_Expiration_Date>19010201</Universal_ID_Expiration_Date>                 <EMailId>sachin.balan@gmail.com</EMailId>             </CAIS_Holder_ID_Details>         </CAIS_Account_DETAILS>         <CAIS_Account_DETAILS>             <Identification_Number>DUMMYSUB01</Identification_Number>             <Subscriber_Name>Standard Charted Banl PVT LTD</Subscriber_Name>             <Account_Number>DUMMYACC2</Account_Number>             <Portfolio_Type>I</Portfolio_Type>             <Account_Type>08</Account_Type>             <Open_Date>20120408</Open_Date>             <Highest_Credit_or_Original_Loan_Amount>100000</Highest_Credit_or_Original_Loan_Amount>             <Terms_Duration>001</Terms_Duration>             <Terms_Frequency/>             <Scheduled_Monthly_Payment_Amount>0</Scheduled_Monthly_Payment_Amount>             <Account_Status>23</Account_Status>             <Payment_Rating>B</Payment_Rating>             <Payment_History_Profile>BBBBBBBBBBBBBBBBBBBBBBB?????????????</Payment_History_Profile>             <Special_Comment/>             <Current_Balance>12435</Current_Balance>             <Amount_Past_Due/>             <Original_Charge_Off_Amount/>             <Date_Reported>20140830</Date_Reported>             <Date_of_First_Delinquency>19010201</Date_of_First_Delinquency>             <Date_Closed/>             <Date_of_Last_Payment>20140603</Date_of_Last_Payment>             <SuitFiledWillfulDefaultWrittenOffStatus/>             <SuitFiled_WillfulDefault/>             <Written_off_Settled_Status/>             <Value_of_Credits_Last_Month/>             <Occupation_Code/>             <Settlement_Amount/>             <Value_of_Collateral/>             <Type_of_Collateral/>             <Written_Off_Amt_Total/>             <Written_Off_Amt_Principal/>             <Rate_of_Interest/>             <Repayment_Tenure/>             <Promotional_Rate_Flag/>             <Income>0</Income>             <Income_Indicator/>             <Income_Frequency_Indicator/>             <DefaultStatusDate/>             <LitigationStatusDate/>             <WriteOffStatusDate/>             <CurrencyCode>INR</CurrencyCode>             <Subscriber_comments/>             <Consumer_comments/>             <AccountHoldertypeCode>1</AccountHoldertypeCode>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>M</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>04</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>L</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>4</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>08</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>07</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>06</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>05</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>04</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>03</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>02</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>01</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>08</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>07</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>06</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>05</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>04</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>03</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>02</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>01</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Holder_Details>                 <Surname_Non_Normalized>SACHIN</Surname_Non_Normalized>                 <First_Name_Non_Normalized>BALAN</First_Name_Non_Normalized>                 <Middle_Name_1_Non_Normalized/>                 <Middle_Name_2_Non_Normalized/>                 <Middle_Name_3_Non_Normalized/>                 <Alias/>                 <Gender_Code>2</Gender_Code>                 <Income_TAX_PAN/>                 <Passport_Number/>                 <Voter_ID_Number/>                 <Date_of_birth>19770904</Date_of_birth>             </CAIS_Holder_Details>             <CAIS_Holder_Address_Details>                 <First_Line_Of_Address_non_normalized>WARD no 2</First_Line_Of_Address_non_normalized>                 <Second_Line_Of_Address_non_normalized>Domalguda</Second_Line_Of_Address_non_normalized>                 <Third_Line_Of_Address_non_normalized/>                 <City_non_normalized>ARCOT</City_non_normalized>                 <Fifth_Line_Of_Address_non_normalized/>                 <State_non_normalized>32</State_non_normalized>                 <ZIP_Postal_Code_non_normalized>632503</ZIP_Postal_Code_non_normalized>                 <CountryCode_non_normalized>IB</CountryCode_non_normalized>                 <Address_indicator_non_normalized></Address_indicator_non_normalized>                 <Residence_code_non_normalized></Residence_code_non_normalized>             </CAIS_Holder_Address_Details>             <CAIS_Holder_Phone_Details>                 <Telephone_Number>9767806716</Telephone_Number>                 <Telephone_Type/>                 <Telephone_Extension/>                 <Mobile_Telephone_Number/>                 <FaxNumber/>                 <EMailId> sachin.balan@gmail.com</EMailId>             </CAIS_Holder_Phone_Details>             <CAIS_Holder_ID_Details>                 <Income_TAX_PAN>ABCDE1111B</Income_TAX_PAN>                 <PAN_Issue_Date>19010202</PAN_Issue_Date>                 <PAN_Expiration_Date>19010203</PAN_Expiration_Date>                 <Passport_Number/>                 <Passport_Issue_Date>19010204</Passport_Issue_Date>                 <Passport_Expiration_Date>19010205</Passport_Expiration_Date>                 <Voter_ID_Number/>                 <Voter_ID_Issue_Date>19010201</Voter_ID_Issue_Date>                 <Voter_ID_Expiration_Date>19010201</Voter_ID_Expiration_Date>                 <Driver_License_Number/>                 <Driver_License_Issue_Date>19010201</Driver_License_Issue_Date>                 <Driver_License_Expiration_Date>19010201</Driver_License_Expiration_Date>                 <Ration_Card_Number/>                 <Ration_Card_Issue_Date>19010201</Ration_Card_Issue_Date>                 <Ration_Card_Expiration_Date>19010201</Ration_Card_Expiration_Date>                 <Universal_ID_Number/>                 <Universal_ID_Issue_Date>19010201</Universal_ID_Issue_Date>                 <Universal_ID_Expiration_Date>19010201</Universal_ID_Expiration_Date>                 <EMailId>sachin.balan@gmail.com</EMailId>             </CAIS_Holder_ID_Details>         </CAIS_Account_DETAILS>         <CAIS_Account_DETAILS>             <Identification_Number>DUMMYSUB01</Identification_Number>             <Subscriber_Name>City Bank</Subscriber_Name>             <Account_Number>DUMMYACC1</Account_Number>             <Portfolio_Type>I</Portfolio_Type>             <Account_Type>02</Account_Type>             <Open_Date>20070208</Open_Date>             <Highest_Credit_or_Original_Loan_Amount>100000</Highest_Credit_or_Original_Loan_Amount>             <Terms_Duration>001</Terms_Duration>             <Terms_Frequency/>             <Scheduled_Monthly_Payment_Amount>0</Scheduled_Monthly_Payment_Amount>             <Account_Status>24</Account_Status>             <Payment_Rating>B</Payment_Rating>             <Payment_History_Profile>BBBBBBBBBBBBBBBBBBBBBBB?????????????</Payment_History_Profile>             <Special_Comment/>             <Current_Balance>12435</Current_Balance>             <Amount_Past_Due/>             <Original_Charge_Off_Amount/>             <Date_Reported>20140830</Date_Reported>             <Date_of_First_Delinquency>19010201</Date_of_First_Delinquency>             <Date_Closed/>             <Date_of_Last_Payment>20140603</Date_of_Last_Payment>             <SuitFiledWillfulDefaultWrittenOffStatus/>             <SuitFiled_WillfulDefault/>             <Written_off_Settled_Status/>             <Value_of_Credits_Last_Month/>             <Occupation_Code/>             <Settlement_Amount/>             <Value_of_Collateral/>             <Type_of_Collateral/>             <Written_Off_Amt_Total/>             <Written_Off_Amt_Principal/>             <Rate_of_Interest/>             <Repayment_Tenure/>             <Promotional_Rate_Flag/>             <Income>0</Income>             <Income_Indicator/>             <Income_Frequency_Indicator/>             <DefaultStatusDate/>             <LitigationStatusDate/>             <WriteOffStatusDate/>             <CurrencyCode>INR</CurrencyCode>             <Subscriber_comments/>             <Consumer_comments/>             <AccountHoldertypeCode>1</AccountHoldertypeCode>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>M</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>04</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>L</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>4</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>08</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>07</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>06</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>05</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>04</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>03</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>02</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>01</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>08</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>07</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>06</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>05</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>04</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>03</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>02</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>01</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Holder_Details>                 <Surname_Non_Normalized>SACHIN</Surname_Non_Normalized>                 <First_Name_Non_Normalized>BALAN</First_Name_Non_Normalized>                 <Middle_Name_1_Non_Normalized/>                 <Middle_Name_2_Non_Normalized/>                 <Middle_Name_3_Non_Normalized/>                 <Alias/>                 <Gender_Code>2</Gender_Code>                 <Income_TAX_PAN/>                 <Passport_Number/>                 <Voter_ID_Number/>                 <Date_of_birth>19770904</Date_of_birth>             </CAIS_Holder_Details>             <CAIS_Holder_Address_Details>                 <First_Line_Of_Address_non_normalized>WARD3</First_Line_Of_Address_non_normalized>                 <Second_Line_Of_Address_non_normalized>Domalguda</Second_Line_Of_Address_non_normalized>                 <Third_Line_Of_Address_non_normalized/>                 <City_non_normalized>ARCOT</City_non_normalized>                 <Fifth_Line_Of_Address_non_normalized/>                 <State_non_normalized>32</State_non_normalized>                 <ZIP_Postal_Code_non_normalized>632503</ZIP_Postal_Code_non_normalized>                 <CountryCode_non_normalized>IB</CountryCode_non_normalized>                 <Address_indicator_non_normalized></Address_indicator_non_normalized>                 <Residence_code_non_normalized></Residence_code_non_normalized>             </CAIS_Holder_Address_Details>             <CAIS_Holder_Phone_Details>                 <Telephone_Number>9767806715</Telephone_Number>                 <Telephone_Type/>                 <Telephone_Extension/>                 <Mobile_Telephone_Number/>                 <FaxNumber/>                 <EMailId/>             </CAIS_Holder_Phone_Details>             <CAIS_Holder_ID_Details>                 <Income_TAX_PAN/>                 <PAN_Issue_Date>19010201</PAN_Issue_Date>                 <PAN_Expiration_Date>19010201</PAN_Expiration_Date>                 <Passport_Number/>                 <Passport_Issue_Date>19010201</Passport_Issue_Date>                 <Passport_Expiration_Date>19010201</Passport_Expiration_Date>                 <Voter_ID_Number/>                 <Voter_ID_Issue_Date>19010201</Voter_ID_Issue_Date>                 <Voter_ID_Expiration_Date>19010201</Voter_ID_Expiration_Date>                 <Driver_License_Number/>                 <Driver_License_Issue_Date>19010201</Driver_License_Issue_Date>                 <Driver_License_Expiration_Date>19010201</Driver_License_Expiration_Date>                 <Ration_Card_Number/>                 <Ration_Card_Issue_Date>19010201</Ration_Card_Issue_Date>                 <Ration_Card_Expiration_Date>19010201</Ration_Card_Expiration_Date>                 <Universal_ID_Number/>                 <Universal_ID_Issue_Date>19010201</Universal_ID_Issue_Date>                 <Universal_ID_Expiration_Date>19010201</Universal_ID_Expiration_Date>                 <EMailId/>             </CAIS_Holder_ID_Details>         </CAIS_Account_DETAILS>         <CAIS_Account_DETAILS>             <Identification_Number>DUMMYSUB01</Identification_Number>             <Subscriber_Name>City Bank</Subscriber_Name>             <Account_Number>DUMMYACC1</Account_Number>             <Portfolio_Type>I</Portfolio_Type>             <Account_Type>10</Account_Type>             <Open_Date>20070208</Open_Date>             <Highest_Credit_or_Original_Loan_Amount>100000</Highest_Credit_or_Original_Loan_Amount>             <Terms_Duration>001</Terms_Duration>             <Terms_Frequency/>             <Scheduled_Monthly_Payment_Amount>0</Scheduled_Monthly_Payment_Amount>             <Account_Status>22</Account_Status>             <Payment_Rating>B</Payment_Rating>             <Payment_History_Profile>BBBBBBBBBBBBBBBBBBBBBBB?????????????</Payment_History_Profile>             <Special_Comment/>             <Current_Balance>12435</Current_Balance>             <Amount_Past_Due/>             <Original_Charge_Off_Amount/>             <Date_Reported>20140830</Date_Reported>             <Date_of_First_Delinquency>19010201</Date_of_First_Delinquency>             <Date_Closed/>             <Date_of_Last_Payment>20140603</Date_of_Last_Payment>             <SuitFiledWillfulDefaultWrittenOffStatus/>             <SuitFiled_WillfulDefault/>             <Written_off_Settled_Status/>             <Value_of_Credits_Last_Month/>             <Occupation_Code/>             <Settlement_Amount/>             <Value_of_Collateral/>             <Type_of_Collateral/>             <Written_Off_Amt_Total/>             <Written_Off_Amt_Principal/>             <Rate_of_Interest/>             <Repayment_Tenure/>             <Promotional_Rate_Flag/>             <Income>0</Income>             <Income_Indicator/>             <Income_Frequency_Indicator/>             <DefaultStatusDate/>             <LitigationStatusDate/>             <WriteOffStatusDate/>             <CurrencyCode>INR</CurrencyCode>             <Subscriber_comments/>             <Consumer_comments/>             <AccountHoldertypeCode>1</AccountHoldertypeCode>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>M</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>04</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>L</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>4</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>08</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>07</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>06</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>05</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>04</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>03</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>02</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>01</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>08</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>07</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>06</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>05</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>04</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>03</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>02</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>01</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Holder_Details>                 <Surname_Non_Normalized>SACHIN</Surname_Non_Normalized>                 <First_Name_Non_Normalized>BALAN</First_Name_Non_Normalized>                 <Middle_Name_1_Non_Normalized/>                 <Middle_Name_2_Non_Normalized/>                 <Middle_Name_3_Non_Normalized/>                 <Alias/>                 <Gender_Code>2</Gender_Code>                 <Income_TAX_PAN/>                 <Passport_Number/>                 <Voter_ID_Number/>                 <Date_of_birth>19770904</Date_of_birth>             </CAIS_Holder_Details>             <CAIS_Holder_Address_Details>                 <First_Line_Of_Address_non_normalized>WARD</First_Line_Of_Address_non_normalized>                 <Second_Line_Of_Address_non_normalized>Domalguda</Second_Line_Of_Address_non_normalized>                 <Third_Line_Of_Address_non_normalized/>                 <City_non_normalized>ARCOT</City_non_normalized>                 <Fifth_Line_Of_Address_non_normalized/>                 <State_non_normalized>32</State_non_normalized>                 <ZIP_Postal_Code_non_normalized>632503</ZIP_Postal_Code_non_normalized>                 <CountryCode_non_normalized>IB</CountryCode_non_normalized>                 <Address_indicator_non_normalized></Address_indicator_non_normalized>                 <Residence_code_non_normalized></Residence_code_non_normalized>             </CAIS_Holder_Address_Details>             <CAIS_Holder_Phone_Details>                 <Telephone_Number>9767806715</Telephone_Number>                 <Telephone_Type/>                 <Telephone_Extension/>                 <Mobile_Telephone_Number/>                 <FaxNumber/>                 <EMailId/>             </CAIS_Holder_Phone_Details>             <CAIS_Holder_ID_Details>                 <Income_TAX_PAN/>                 <PAN_Issue_Date>19010201</PAN_Issue_Date>                 <PAN_Expiration_Date>19010201</PAN_Expiration_Date>                 <Passport_Number/>                 <Passport_Issue_Date>19010201</Passport_Issue_Date>                 <Passport_Expiration_Date>19010201</Passport_Expiration_Date>                 <Voter_ID_Number/>                 <Voter_ID_Issue_Date>19010201</Voter_ID_Issue_Date>                 <Voter_ID_Expiration_Date>19010201</Voter_ID_Expiration_Date>                 <Driver_License_Number/>                 <Driver_License_Issue_Date>19010201</Driver_License_Issue_Date>                 <Driver_License_Expiration_Date>19010201</Driver_License_Expiration_Date>                 <Ration_Card_Number/>                 <Ration_Card_Issue_Date>19010201</Ration_Card_Issue_Date>                 <Ration_Card_Expiration_Date>19010201</Ration_Card_Expiration_Date>                 <Universal_ID_Number/>                 <Universal_ID_Issue_Date>19010201</Universal_ID_Issue_Date>                 <Universal_ID_Expiration_Date>19010201</Universal_ID_Expiration_Date>                 <EMailId/>             </CAIS_Holder_ID_Details>         </CAIS_Account_DETAILS>         <CAIS_Account_DETAILS>             <Identification_Number>DUMMYSUB01</Identification_Number>             <Subscriber_Name>Sarawat Bank</Subscriber_Name>             <Account_Number>DUMMYACC4</Account_Number>             <Portfolio_Type>I</Portfolio_Type>             <Account_Type>08</Account_Type>             <Open_Date>20070208</Open_Date>             <Highest_Credit_or_Original_Loan_Amount>100000</Highest_Credit_or_Original_Loan_Amount>             <Terms_Duration>001</Terms_Duration>             <Terms_Frequency/>             <Scheduled_Monthly_Payment_Amount>0</Scheduled_Monthly_Payment_Amount>             <Account_Status>22</Account_Status>             <Payment_Rating>B</Payment_Rating>             <Payment_History_Profile>BBBBBBBBBBBBBBBBBBBBBBB?????????????</Payment_History_Profile>             <Special_Comment/>             <Current_Balance>12435</Current_Balance>             <Amount_Past_Due/>             <Original_Charge_Off_Amount/>             <Date_Reported>20140830</Date_Reported>             <Date_of_First_Delinquency>19010201</Date_of_First_Delinquency>             <Date_Closed/>             <Date_of_Last_Payment>20140603</Date_of_Last_Payment>             <SuitFiledWillfulDefaultWrittenOffStatus/>             <SuitFiled_WillfulDefault/>             <Written_off_Settled_Status/>             <Value_of_Credits_Last_Month/>             <Occupation_Code/>             <Settlement_Amount/>             <Value_of_Collateral/>             <Type_of_Collateral/>             <Written_Off_Amt_Total/>             <Written_Off_Amt_Principal/>             <Rate_of_Interest/>             <Repayment_Tenure/>             <Promotional_Rate_Flag/>             <Income>0</Income>             <Income_Indicator/>             <Income_Frequency_Indicator/>             <DefaultStatusDate/>             <LitigationStatusDate/>             <WriteOffStatusDate/>             <CurrencyCode>INR</CurrencyCode>             <Subscriber_comments/>             <Consumer_comments/>             <AccountHoldertypeCode>1</AccountHoldertypeCode>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>M</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>04</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>L</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>4</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>08</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>07</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>06</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>05</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>04</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>03</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>02</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>01</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>08</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>07</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>06</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>05</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>04</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>03</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>02</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>01</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Holder_Details>                 <Surname_Non_Normalized>SACHIN</Surname_Non_Normalized>                 <First_Name_Non_Normalized>BALAN</First_Name_Non_Normalized>                 <Middle_Name_1_Non_Normalized/>                 <Middle_Name_2_Non_Normalized/>                 <Middle_Name_3_Non_Normalized/>                 <Alias/>                 <Gender_Code>2</Gender_Code>                 <Income_TAX_PAN/>                 <Passport_Number/>                 <Voter_ID_Number/>                 <Date_of_birth>19770904</Date_of_birth>             </CAIS_Holder_Details>             <CAIS_Holder_Address_Details>                 <First_Line_Of_Address_non_normalized>WARD</First_Line_Of_Address_non_normalized>                 <Second_Line_Of_Address_non_normalized>Domalguda</Second_Line_Of_Address_non_normalized>                 <Third_Line_Of_Address_non_normalized/>                 <City_non_normalized>ARCOT</City_non_normalized>                 <Fifth_Line_Of_Address_non_normalized/>                 <State_non_normalized>32</State_non_normalized>                 <ZIP_Postal_Code_non_normalized>632503</ZIP_Postal_Code_non_normalized>                 <CountryCode_non_normalized>IB</CountryCode_non_normalized>                 <Address_indicator_non_normalized></Address_indicator_non_normalized>                 <Residence_code_non_normalized></Residence_code_non_normalized>             </CAIS_Holder_Address_Details>             <CAIS_Holder_Phone_Details>                 <Telephone_Number>9767806715</Telephone_Number>                 <Telephone_Type/>                 <Telephone_Extension/>                 <Mobile_Telephone_Number/>                 <FaxNumber/>                 <EMailId/>             </CAIS_Holder_Phone_Details>             <CAIS_Holder_ID_Details>                 <Income_TAX_PAN/>                 <PAN_Issue_Date>19010201</PAN_Issue_Date>                 <PAN_Expiration_Date>19010201</PAN_Expiration_Date>                 <Passport_Number/>                 <Passport_Issue_Date>19010201</Passport_Issue_Date>                 <Passport_Expiration_Date>19010201</Passport_Expiration_Date>                 <Voter_ID_Number/>                 <Voter_ID_Issue_Date>19010201</Voter_ID_Issue_Date>                 <Voter_ID_Expiration_Date>19010201</Voter_ID_Expiration_Date>                 <Driver_License_Number/>                 <Driver_License_Issue_Date>19010201</Driver_License_Issue_Date>                 <Driver_License_Expiration_Date>19010201</Driver_License_Expiration_Date>                 <Ration_Card_Number/>                 <Ration_Card_Issue_Date>19010201</Ration_Card_Issue_Date>                 <Ration_Card_Expiration_Date>19010201</Ration_Card_Expiration_Date>                 <Universal_ID_Number/>                 <Universal_ID_Issue_Date>19010201</Universal_ID_Issue_Date>                 <Universal_ID_Expiration_Date>19010201</Universal_ID_Expiration_Date>                 <EMailId/>             </CAIS_Holder_ID_Details>         </CAIS_Account_DETAILS>         <CAIS_Account_DETAILS>             <Identification_Number>DUMMYSUB01</Identification_Number>             <Subscriber_Name>City Bank</Subscriber_Name>             <Account_Number>DUMMYACC1</Account_Number>             <Portfolio_Type>I</Portfolio_Type>             <Account_Type>01</Account_Type>             <Open_Date>20070208</Open_Date>             <Highest_Credit_or_Original_Loan_Amount>100000</Highest_Credit_or_Original_Loan_Amount>             <Terms_Duration>001</Terms_Duration>             <Terms_Frequency/>             <Scheduled_Monthly_Payment_Amount>0</Scheduled_Monthly_Payment_Amount>             <Account_Status>22</Account_Status>             <Payment_Rating>B</Payment_Rating>             <Payment_History_Profile>BBBBBBBBBBBBBBBBBBBBBBB?????????????</Payment_History_Profile>             <Special_Comment/>             <Current_Balance>12435</Current_Balance>             <Amount_Past_Due/>             <Original_Charge_Off_Amount/>             <Date_Reported>20140830</Date_Reported>             <Date_of_First_Delinquency>19010201</Date_of_First_Delinquency>             <Date_Closed/>             <Date_of_Last_Payment>20140603</Date_of_Last_Payment>             <SuitFiledWillfulDefaultWrittenOffStatus/>             <SuitFiled_WillfulDefault/>             <Written_off_Settled_Status/>             <Value_of_Credits_Last_Month/>             <Occupation_Code/>             <Settlement_Amount/>             <Value_of_Collateral/>             <Type_of_Collateral/>             <Written_Off_Amt_Total/>             <Written_Off_Amt_Principal/>             <Rate_of_Interest/>             <Repayment_Tenure/>             <Promotional_Rate_Flag/>             <Income>0</Income>             <Income_Indicator/>             <Income_Frequency_Indicator/>             <DefaultStatusDate/>             <LitigationStatusDate/>             <WriteOffStatusDate/>             <CurrencyCode>INR</CurrencyCode>             <Subscriber_comments/>             <Consumer_comments/>             <AccountHoldertypeCode>1</AccountHoldertypeCode>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>M</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>04</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>L</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>4</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>08</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>07</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>06</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>05</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>04</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>03</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>02</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>01</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>08</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>07</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>06</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>05</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>04</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>03</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>02</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>01</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>02</Asset_Classification>             </CAIS_Account_History>             <CAIS_Holder_Details>                 <Surname_Non_Normalized>SACHIN</Surname_Non_Normalized>                 <First_Name_Non_Normalized>BALAN</First_Name_Non_Normalized>                 <Middle_Name_1_Non_Normalized/>                 <Middle_Name_2_Non_Normalized/>                 <Middle_Name_3_Non_Normalized/>                 <Alias/>                 <Gender_Code>2</Gender_Code>                 <Income_TAX_PAN/>                 <Passport_Number/>                 <Voter_ID_Number/>                 <Date_of_birth>19770904</Date_of_birth>             </CAIS_Holder_Details>             <CAIS_Holder_Address_Details>                 <First_Line_Of_Address_non_normalized>WARD</First_Line_Of_Address_non_normalized>                 <Second_Line_Of_Address_non_normalized>Domalguda</Second_Line_Of_Address_non_normalized>                 <Third_Line_Of_Address_non_normalized/>                 <City_non_normalized>ARCOT</City_non_normalized>                 <Fifth_Line_Of_Address_non_normalized/>                 <State_non_normalized>32</State_non_normalized>                 <ZIP_Postal_Code_non_normalized>632503</ZIP_Postal_Code_non_normalized>                 <CountryCode_non_normalized>IB</CountryCode_non_normalized>                 <Address_indicator_non_normalized></Address_indicator_non_normalized>                 <Residence_code_non_normalized></Residence_code_non_normalized>             </CAIS_Holder_Address_Details>             <CAIS_Holder_Phone_Details>                 <Telephone_Number>9767806715</Telephone_Number>                 <Telephone_Type/>                 <Telephone_Extension/>                 <Mobile_Telephone_Number/>                 <FaxNumber/>                 <EMailId/>             </CAIS_Holder_Phone_Details>             <CAIS_Holder_ID_Details>                 <Income_TAX_PAN/>                 <PAN_Issue_Date>19010201</PAN_Issue_Date>                 <PAN_Expiration_Date>19010201</PAN_Expiration_Date>                 <Passport_Number/>                 <Passport_Issue_Date>19010201</Passport_Issue_Date>                 <Passport_Expiration_Date>19010201</Passport_Expiration_Date>                 <Voter_ID_Number/>                 <Voter_ID_Issue_Date>19010201</Voter_ID_Issue_Date>                 <Voter_ID_Expiration_Date>19010201</Voter_ID_Expiration_Date>                 <Driver_License_Number/>                 <Driver_License_Issue_Date>19010201</Driver_License_Issue_Date>                 <Driver_License_Expiration_Date>19010201</Driver_License_Expiration_Date>                 <Ration_Card_Number/>                 <Ration_Card_Issue_Date>19010201</Ration_Card_Issue_Date>                 <Ration_Card_Expiration_Date>19010201</Ration_Card_Expiration_Date>                 <Universal_ID_Number/>                 <Universal_ID_Issue_Date>19010201</Universal_ID_Issue_Date>                 <Universal_ID_Expiration_Date>19010201</Universal_ID_Expiration_Date>                 <EMailId/>             </CAIS_Holder_ID_Details>         </CAIS_Account_DETAILS>         <CAIS_Account_DETAILS>             <Identification_Number>DUMMYSUB01</Identification_Number>             <Subscriber_Name>ICICI BanK</Subscriber_Name>             <Account_Number>DUMMYACC2</Account_Number>             <Portfolio_Type>I</Portfolio_Type>             <Account_Type>10</Account_Type>             <Open_Date>20090208</Open_Date>             <Highest_Credit_or_Original_Loan_Amount>64000</Highest_Credit_or_Original_Loan_Amount>             <Terms_Duration>001</Terms_Duration>             <Terms_Frequency/>             <Scheduled_Monthly_Payment_Amount>0</Scheduled_Monthly_Payment_Amount>             <Account_Status>80</Account_Status>             <Payment_Rating>3</Payment_Rating>             <Payment_History_Profile>SSSSSSSSSSSSSSSSSSSSSSS?????????????</Payment_History_Profile>             <Special_Comment/>             <Current_Balance>68438</Current_Balance>             <Amount_Past_Due>114</Amount_Past_Due>             <Original_Charge_Off_Amount/>             <Date_Reported>20140830</Date_Reported>             <Date_of_First_Delinquency>19010201</Date_of_First_Delinquency>             <Date_Closed/>             <Date_of_Last_Payment>19010201</Date_of_Last_Payment>             <SuitFiledWillfulDefaultWrittenOffStatus/>             <SuitFiled_WillfulDefault/>             <Written_off_Settled_Status/>             <Value_of_Credits_Last_Month/>             <Occupation_Code/>             <Settlement_Amount/>             <Value_of_Collateral/>             <Type_of_Collateral/>             <Written_Off_Amt_Total/>             <Written_Off_Amt_Principal/>             <Rate_of_Interest/>             <Repayment_Tenure/>             <Promotional_Rate_Flag/>             <Income>0</Income>             <Income_Indicator/>             <Income_Frequency_Indicator/>             <DefaultStatusDate/>             <LitigationStatusDate/>             <WriteOffStatusDate/>             <CurrencyCode>INR</CurrencyCode>             <Subscriber_comments/>             <Consumer_comments/>             <AccountHoldertypeCode>1</AccountHoldertypeCode>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>08</Month>                 <Days_Past_Due>90</Days_Past_Due>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>07</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>06</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>05</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>04</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>03</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>02</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2014</Year>                 <Month>01</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>08</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>07</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>06</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>05</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>04</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>03</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>02</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2013</Year>                 <Month>01</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>12</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>11</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>10</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Account_History>                 <Year>2012</Year>                 <Month>09</Month>                 <Days_Past_Due/>                 <Asset_Classification>01</Asset_Classification>             </CAIS_Account_History>             <CAIS_Holder_Details>                 <Surname_Non_Normalized>SACHIN</Surname_Non_Normalized>                 <First_Name_Non_Normalized>BALAN</First_Name_Non_Normalized>                 <Middle_Name_1_Non_Normalized/>                 <Middle_Name_2_Non_Normalized/>                 <Middle_Name_3_Non_Normalized/>                 <Alias/>                 <Gender_Code>2</Gender_Code>                 <Income_TAX_PAN/>                 <Passport_Number/>                 <Voter_ID_Number/>                 <Date_of_birth>19770904</Date_of_birth>             </CAIS_Holder_Details>             <CAIS_Holder_Address_Details>                 <First_Line_Of_Address_non_normalized>WARD</First_Line_Of_Address_non_normalized>                 <Second_Line_Of_Address_non_normalized>Domalguda</Second_Line_Of_Address_non_normalized>                 <Third_Line_Of_Address_non_normalized/>                 <City_non_normalized>ARCOT</City_non_normalized>                 <Fifth_Line_Of_Address_non_normalized/>                 <State_non_normalized>32</State_non_normalized>                 <ZIP_Postal_Code_non_normalized>632503</ZIP_Postal_Code_non_normalized>                 <CountryCode_non_normalized>IB</CountryCode_non_normalized>                 <Address_indicator_non_normalized></Address_indicator_non_normalized>                 <Residence_code_non_normalized></Residence_code_non_normalized>             </CAIS_Holder_Address_Details>             <CAIS_Holder_Phone_Details>                 <Telephone_Number>9767806715</Telephone_Number>                 <Telephone_Type/>                 <Telephone_Extension/>                 <Mobile_Telephone_Number/>                 <FaxNumber/>                 <EMailId/>             </CAIS_Holder_Phone_Details>             <CAIS_Holder_ID_Details>                 <Income_TAX_PAN/>                 <PAN_Issue_Date>19010201</PAN_Issue_Date>                 <PAN_Expiration_Date>19010201</PAN_Expiration_Date>                 <Passport_Number/>                 <Passport_Issue_Date>19010201</Passport_Issue_Date>                 <Passport_Expiration_Date>19010201</Passport_Expiration_Date>                 <Voter_ID_Number/>                 <Voter_ID_Issue_Date>19010201</Voter_ID_Issue_Date>                 <Voter_ID_Expiration_Date>19010201</Voter_ID_Expiration_Date>                 <Driver_License_Number/>                 <Driver_License_Issue_Date>19010201</Driver_License_Issue_Date>                 <Driver_License_Expiration_Date>19010201</Driver_License_Expiration_Date>                 <Ration_Card_Number/>                 <Ration_Card_Issue_Date>19010201</Ration_Card_Issue_Date>                 <Ration_Card_Expiration_Date>19010201</Ration_Card_Expiration_Date>                 <Universal_ID_Number/>                 <Universal_ID_Issue_Date>19010201</Universal_ID_Issue_Date>                 <Universal_ID_Expiration_Date>19010201</Universal_ID_Expiration_Date>                 <EMailId/>             </CAIS_Holder_ID_Details>         </CAIS_Account_DETAILS>     </CAIS_Account>     <Match_result>         <Exact_match>Y</Exact_match>     </Match_result>     <TotalCAPS_Summary>         <TotalCAPSLast7Days>1</TotalCAPSLast7Days>         <TotalCAPSLast30Days>1</TotalCAPSLast30Days>         <TotalCAPSLast90Days>1</TotalCAPSLast90Days>         <TotalCAPSLast180Days>1</TotalCAPSLast180Days>     </TotalCAPS_Summary>     <CAPS>         <CAPS_Summary>             <Credit_CAPSLast7Days>1</Credit_CAPSLast7Days>             <Credit_CAPSLast30Days>1</Credit_CAPSLast30Days>             <Credit_CAPSLast90Days>1</Credit_CAPSLast90Days>             <Credit_CAPSLast180Days>1</Credit_CAPSLast180Days>         </CAPS_Summary>         <CAPS_Application_Details>             <Subscriber_code>SBI0000197</Subscriber_code>             <Subscriber_Name>ICICI BANK</Subscriber_Name>             <Date_of_Request>20141013</Date_of_Request>             <Product>01</Product>             <ReportTime>14:18:43</ReportTime>             <ReportNumber>3858</ReportNumber>             <Enquiry_Reason>99</Enquiry_Reason>             <Finance_Purpose/>             <Amount_Financed>0</Amount_Financed>             <Duration_Of_Agreement>0</Duration_Of_Agreement>             <CAPS_Applicant_Details>                 <Last_Name>BALAN</Last_Name>                 <First_Name>SACHIN</First_Name>                 <Middle_Name1/>                 <Middle_Name2/>                 <Middle_Name3/>                 <Gender_Code>2</Gender_Code>                 <IncomeTaxPan>BUQPD1111A</IncomeTaxPan>                 <PAN_Issue_Date>19010201</PAN_Issue_Date>                 <PAN_Expiration_Date>19010201</PAN_Expiration_Date>                 <Passport_number/>                 <Passport_Issue_Date>19010201</Passport_Issue_Date>                 <Passport_Expiration_Date>19010201</Passport_Expiration_Date>                 <Voter_s_Identity_Card/>                 <Voter_ID_Issue_Date>19010201</Voter_ID_Issue_Date>                 <Voter_ID_Expiration_Date>19010201</Voter_ID_Expiration_Date>                 <Driver_License_Number/>                 <Driver_License_Issue_Date>19010201</Driver_License_Issue_Date>                 <Driver_License_Expiration_Date>19010201</Driver_License_Expiration_Date>                 <Ration_Card_Number/>                 <Ration_Card_Issue_Date>19010201</Ration_Card_Issue_Date>                 <Ration_Card_Expiration_Date>19010201</Ration_Card_Expiration_Date>                 <Universal_ID_Number/>                 <Universal_ID_Issue_Date>19010201</Universal_ID_Issue_Date>                 <Universal_ID_Expiration_Date>19010201</Universal_ID_Expiration_Date>                 <Date_Of_Birth_Applicant>19770904</Date_Of_Birth_Applicant>                 <Telephone_Number_Applicant_1st>9767806715</Telephone_Number_Applicant_1st>                 <Telephone_Type>02</Telephone_Type>                 <Telephone_Extension/>                 <MobilePhoneNumber>9228103167</MobilePhoneNumber>                 <EMailId> poonam.bhise@augmentiq.in</EMailId>             </CAPS_Applicant_Details>             <CAPS_Other_Details>                 <Income/>                 <Marital_Status/>                 <Employment_Status/>                 <Time_with_Employer/>                 <Number_of_Major_Credit_Card_Held/>             </CAPS_Other_Details>             <CAPS_Applicant_Address_Details>                 <FlatNoPlotNoHouseNo>WARD</FlatNoPlotNoHouseNo>                 <BldgNoSocietyName/>                 <RoadNoNameAreaLocality>Domaaclguda</RoadNoNameAreaLocality>                 <City>ARCOT</City>                 <Landmark/>                 <State>32</State>                 <PINCode>632503</PINCode>                 <Country_Code>IB</Country_Code>             </CAPS_Applicant_Address_Details>         </CAPS_Application_Details>     </CAPS>     <NonCreditCAPS>         <NonCreditCAPS_Summary>             <Non_Credit_CAPSLast7Days>0</Non_Credit_CAPSLast7Days>             <Non_Credit_CAPSLast30Days>0</Non_Credit_CAPSLast30Days>             <Non_Credit_CAPSLast90Days>0</Non_Credit_CAPSLast90Days>             <Non_Credit_CAPSLast180Days>0</Non_Credit_CAPSLast180Days>         </NonCreditCAPS_Summary>     </NonCreditCAPS>     <SCORE>         <BureauScore>344</BureauScore>         <BureauScoreConfidLevel>H</BureauScoreConfidLevel>     </SCORE> </INProfileResponse>';  */
            parseXmlAndUpdateDB($xmlResponse, $user_id);
            header("location:index.php?p=my-score&type=bad");
        }
    }
}
function cmdExperianComm($serviceUrl, $requestParams)
{
    //$webURL	= 'http://10.0.0.35:8080/RESTfulExample/rest/services/'.$serviceUrl;  // Local
    $webURL = 'http://172.31.15.107:8080/RESTfulExample/rest/services/' . $serviceUrl;
    // Server
    $ch = curl_init();
    curl_setopt($ch, CURLOPT_URL, $webURL);
    curl_setopt($ch, CURLOPT_POST, 1);
    curl_setopt($ch, CURLOPT_POSTFIELDS, $requestParams);
    curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
    curl_setopt($ch, CURLOPT_HEADER, false);