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EXHIBIT 23
Consent of Independent Auditors
We consent to the incorporation by reference in the Registration Statement (Form S-8 No. 333-09215) pertaining to the Associates Savings and Profit-Sharing Plan of our report dated May 23, 2000, with respect to the financial statements and schedule of the Associates Savings and Profit-Sharing Plan included in this Annual Report (Form 11-K) for the year ended December 31, 1999.
/s/ ERNST & YOUNG LLP
ERNST & YOUNG LLP
Dallas, Texas
June 23, 2000
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