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EXHIBIT 10 <PAGE> Exhibit 10 INDEPENDENT AUDITORS' CONSENT The Shareholders and Board of Directors USAA Mutual Fund, Inc.: We consent to the use of our reports dated September 1, 2000, incorporated herein by reference and to the references to our firm under the headings "Financial Highlights" in the prospectuses and "Independent Auditors" in the statement of additional information. /S/ KPMG LLP San Antonio, Texas November 27, 2000 <PAGE>
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