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CONSENT OF ERNST & YOUNG LLP We consent to incorporation by reference in the Registration Statement (Form S-8 No. 33-96550) pertaining to the Triad Guaranty Inc. 401(k) Profit-Sharing Plan of our report dated May 26, 2000 with respect to the financial statements and schedules of Triad Guaranty Inc. 401(k) Profit Sharing Plan included in form 10-K/A for the year ended December 31, 1999. ERNST & YOUNG LLP Raleigh, North Carolina June 23, 2000
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