<SEC-DOCUMENT>0001193125-23-210745.txt : 20230811
<SEC-HEADER>0001193125-23-210745.hdr.sgml : 20230811
<ACCEPTANCE-DATETIME>20230811161603
ACCESSION NUMBER:		0001193125-23-210745
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20230809
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20230811
DATE AS OF CHANGE:		20230811

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			RADIAN GROUP INC
		CENTRAL INDEX KEY:			0000890926
		STANDARD INDUSTRIAL CLASSIFICATION:	SURETY INSURANCE [6351]
		IRS NUMBER:				232691170
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-11356
		FILM NUMBER:		231164321

	BUSINESS ADDRESS:	
		STREET 1:		550 EAST SWEDESFORD ROAD
		STREET 2:		SUITE 350
		CITY:			WAYNE
		STATE:			PA
		ZIP:			19087
		BUSINESS PHONE:		2155646600

	MAIL ADDRESS:	
		STREET 1:		550 EAST SWEDESFORD ROAD
		STREET 2:		SUITE 350
		CITY:			WAYNE
		STATE:			PA
		ZIP:			19087

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CMAC INVESTMENT CORP
		DATE OF NAME CHANGE:	19960126
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d663033d8k.htm
<DESCRIPTION>8-K
<TEXT>
<XBRL>
<?xml version="1.0" encoding="utf-8" ?>
<html xmlns:dei="http://xbrl.sec.gov/dei/2022" xmlns:us-types="http://fasb.org/us-types/2022" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:rdn="http://radian.com/20230809" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns="http://www.w3.org/1999/xhtml">
<head>
<title>8-K</title>
<meta http-equiv="Content-Type" content="text/html" />
</head>
   <body><div style="display:none"> <ix:header> <ix:hidden> <ix:nonNumeric id="Hidden_dei_EntityRegistrantName" name="dei:EntityRegistrantName" contextRef="duration_2023-08-09_to_2023-08-09">RADIAN GROUP INC</ix:nonNumeric> <ix:nonNumeric name="dei:AmendmentFlag" contextRef="duration_2023-08-09_to_2023-08-09">false</ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_EntityCentralIndexKey" name="dei:EntityCentralIndexKey" contextRef="duration_2023-08-09_to_2023-08-09">0000890926</ix:nonNumeric> </ix:hidden> <ix:references> <link:schemaRef xlink:type="simple" xlink:href="rdn-20230809.xsd" xlink:arcrole="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase"></link:schemaRef> </ix:references> <ix:resources> <xbrli:context id="duration_2023-08-09_to_2023-08-09"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000890926</xbrli:identifier> </xbrli:entity> <xbrli:period> <xbrli:startDate>2023-08-09</xbrli:startDate> <xbrli:endDate>2023-08-09</xbrli:endDate> </xbrli:period> </xbrli:context> </ix:resources> </ix:header> </div> <div style="text-align:center"> <div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto"> <p style="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&#160;</p> <p style="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&#160;</p> <p style="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">UNITED STATES</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">SECURITIES AND EXCHANGE COMMISSION</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">WASHINGTON, DC 20549</p> <p style="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:10pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">FORM <ix:nonNumeric name="dei:DocumentType" contextRef="duration_2023-08-09_to_2023-08-09">8-K</ix:nonNumeric></p> <p style="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:10pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">CURRENT REPORT</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">Pursuant to Section 13 OR 15(d)</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">of The Securities Exchange Act of 1934</p> <p style="margin-top:10pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">Date of Report (Date of earliest event reported): <ix:nonNumeric name="dei:DocumentPeriodEndDate" contextRef="duration_2023-08-09_to_2023-08-09" format="ixt:datemonthdayyearen">August 9, 2023</ix:nonNumeric></p> <p style="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:10pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman;font-weight:bold;text-align:center"> <span style=" -sec-ix-hidden:Hidden_dei_EntityRegistrantName">Radian Group Inc.</span> </p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Exact Name of Registrant as Specified in its Charter)</p> <p style="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; font-family:Times New Roman; font-size:8pt;width:100%;border:0;margin:0 auto">
<tr>
<td style="width:34%"></td>
<td style="vertical-align:bottom"></td>
<td style="width:32%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="width:32%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" contextRef="duration_2023-08-09_to_2023-08-09" format="ixt-sec:stateprovnameen">Delaware</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:EntityFileNumber" contextRef="duration_2023-08-09_to_2023-08-09">1-11356</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><span style="white-space:nowrap"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" contextRef="duration_2023-08-09_to_2023-08-09">23-2691170</ix:nonNumeric></span></span></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(State or Other Jurisdiction</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">of Incorporation)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Commission</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">File Number)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(IRS Employer</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Identification No.)</p></td></tr></table> <p style="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center"><ix:nonNumeric name="dei:EntityAddressAddressLine1" contextRef="duration_2023-08-09_to_2023-08-09">550 East Swedesford Road</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressAddressLine2" contextRef="duration_2023-08-09_to_2023-08-09">Suite 350</ix:nonNumeric></p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center"><ix:nonNumeric name="dei:EntityAddressCityOrTown" contextRef="duration_2023-08-09_to_2023-08-09">Wayne</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" contextRef="duration_2023-08-09_to_2023-08-09" format="ixt-sec:stateprovnameen">Pennsylvania</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressPostalZipCode" contextRef="duration_2023-08-09_to_2023-08-09">19087</ix:nonNumeric></p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Address of Principal Executive Offices, and Zip Code)</p> <p style="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center"><ix:nonNumeric name="dei:CityAreaCode" contextRef="duration_2023-08-09_to_2023-08-09">(215)</ix:nonNumeric> <span style="white-space:nowrap"><ix:nonNumeric name="dei:LocalPhoneNumber" contextRef="duration_2023-08-09_to_2023-08-09">231-1000</ix:nonNumeric></span></p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Registrant&#8217;s Telephone Number, Including Area Code)</p> <p style="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <p style="margin-top:10pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Former Name or Former Address, if Changed Since Last Report)</p> <p style="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Check the appropriate box below if the Form <span style="white-space:nowrap">8-K</span> filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (<span style="text-decoration:underline">see</span> General Instruction A.2. below):</p> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top"><ix:nonNumeric name="dei:WrittenCommunications" contextRef="duration_2023-08-09_to_2023-08-09" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top"><ix:nonNumeric name="dei:SolicitingMaterial" contextRef="duration_2023-08-09_to_2023-08-09" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Soliciting material pursuant to Rule <span style="white-space:nowrap">14a-12</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.14a-12)</span></p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top"><ix:nonNumeric name="dei:PreCommencementTenderOffer" contextRef="duration_2023-08-09_to_2023-08-09" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left"><span style="white-space:nowrap">Pre-commencement</span> communications pursuant to Rule <span style="white-space:nowrap">14d-2(b)</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.14d-2(b))</span></p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" contextRef="duration_2023-08-09_to_2023-08-09" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left"><span style="white-space:nowrap">Pre-commencement</span> communications pursuant to Rule <span style="white-space:nowrap">13e-4(c)</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.13e-4(c))</span></p></td></tr></table> <p style="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Securities registered pursuant to Section&#160;12(b) of the Act:</p> <p style="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; font-family:Times New Roman; font-size:8pt;width:100%;border:0;margin:0 auto">
<tr>
<td style="width:34%"></td>
<td style="vertical-align:bottom"></td>
<td style="width:32%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="width:32%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom;white-space:nowrap"> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Title of each class</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Trading<br />Symbol(s)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Name of each exchange<br />on which registered</p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2023-08-09_to_2023-08-09">Common Stock, $0.001 par value per share</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2023-08-09_to_2023-08-09">RDN</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2023-08-09_to_2023-08-09" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></td></tr></table> <p style="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule <span style="white-space:nowrap">12b-2</span> of the Securities Exchange Act of 1934 <span style="white-space:nowrap">(&#167;240.12b-2</span> of this chapter).</p> <p style="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:right">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" contextRef="duration_2023-08-09_to_2023-08-09" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> <p style="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section&#160;13(a) of the Exchange Act. &#9744;</p> <p style="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <p style="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&#160;</p> <p style="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&#160;</p></div></div>

<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">
 <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold">Item&#160;5.02. Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. </p> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top" align="left"><span style="font-weight:bold">(e)</span></td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left">Compensatory Arrangements of Certain Officers </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman;font-weight:bold"><span style="font-style:italic">Amended and Restated Employment Agreement &#8211; Richard G. Thornberry, Chief Executive Officer </span></p> <p style="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman;font-weight:bold"><span style="text-decoration:underline">Amended and Restated Employment Agreement</span> </p> <p style="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On August&#160;9, 2023, Radian Group Inc. (the &#8220;Company&#8221;) and Mr.&#160;Thornberry entered into an Amended and Restated Employment Agreement (the &#8220;2023 Employment Agreement&#8221;) effective as of July&#160;1, 2023 (the &#8220;Effective Date&#8221;) pursuant to which Mr.&#160;Thornberry will continue to serve as the Company&#8217;s Chief Executive Officer through December&#160;31, 2026, unless earlier terminated (the &#8220;Term&#8221;). The 2023 Employment Agreement amends and restates the Employment Agreement between the Company and Mr.&#160;Thornberry entered into as of November&#160;19, 2019 and amended as of March&#160;26, 2021 (the &#8220;Prior Agreement&#8221;). </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The primary terms of the 2023 Employment Agreement (as further described below) are generally consistent with the terms of the Prior Agreement, except as follows: </p> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:9%">&#160;</td>
<td style="width:3%;vertical-align:top" align="left">&#8226;</td>
<td style="width:1%;vertical-align:top">&#160;</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt;text-align:left">As of the Effective Date, Mr.&#160;Thornberry&#8217;s base salary will be $1,000,000 and his 2023 STI Target and 2023 LTI Target (each as defined below) will be $2,000,000 and $6,000,000, respectively. During the Term, Mr.&#160;Thornberry&#8217;s base salary will not be less than $1,000,000 and his total target compensation (comprised of annual base salary, target award under the Radian Group Inc. STI Incentive Plan for Executive Employees (the &#8220;STI Plan&#8221;) and target long-term incentive (&#8220;LTI&#8221;) award) will not be less than $9,000,000; </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:9%">&#160;</td>
<td style="width:3%;vertical-align:top" align="left">&#8226;</td>
<td style="width:1%;vertical-align:top">&#160;</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt;text-align:left">In addition to the compensation discussed above, concurrently with the execution of the agreement, Mr.&#160;Thornberry was entitled to a <span style="white-space:nowrap">one-time</span> special outperformance award of performance-based restricted stock units (&#8220;PSUs&#8221;), as further described below (the <span style="white-space:nowrap">&#8220;One-Time</span> Outperformance Award&#8221;); </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:9%">&#160;</td>
<td style="width:3%;vertical-align:top" align="left">&#8226;</td>
<td style="width:1%;vertical-align:top">&#160;</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt;text-align:left">In the event of Mr.&#160;Thornberry&#8217;s termination without &#8220;Cause&#8221; or resignation for &#8220;Good Reason&#8221; (each as defined in the 2023 Employment Agreement), his outstanding equity awards will vest as if he had met the requirements for retirement under the applicable grant agreements, other than the <span style="white-space:nowrap">One-Time</span> Outperformance Award which is not subject to vesting on retirement and otherwise will be treated in accordance with its terms, as described below; and </p></td></tr></table> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Set forth below is a description of the 2023 Employment Agreement, which is qualified in its entirety by reference to the full text of the 2023 Employment Agreement, a copy of which is filed as Exhibit 10.1 and is incorporated by reference in this Current Report on Form <span style="white-space:nowrap">8-K.</span> </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the 2023 Employment Agreement, Mr.&#160;Thornberry will receive the following compensation: (1)&#160;an annual base salary of $1,000,000 (which will be reviewed annually and may be increased, but not decreased, during the Term); (2)&#160;eligibility to earn an incentive award under the STI Plan (including any successor plan) in each fiscal year of the Term, with his target award for the STI Plan for 2023 equal to $2,000,000 (the &#8220;2023 STI Target&#8221;); and (3)&#160;eligibility to receive long-term equity incentive awards in each fiscal year of the Term under the Company&#8217;s LTI program in amounts and on terms established by independent directors of the Board, with his target award for 2023 LTI (&#8220;2023 LTI Target&#8221;) set at $6,000,000. The 2023 Employment Agreement also provides that for each full fiscal year of the Term, Mr.&#160;Thornberry&#8217;s total target compensation (comprised of annual base salary, target award under the STI Plan and target LTI awards) will not be less than $9,000,000, with his STI target and LTI target in each year to be established by the independent directors of the Board in accordance with the Company&#8217;s process for setting executive compensation (for information on the Company&#8217;s process, see the Company&#8217;s Compensation Discussion and Analysis Section of the Company&#8217;s previously filed proxy statement for the May&#160;17, 2023 annual stockholders&#8217; meeting). </p>
</div></div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">
 <p style="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the 2023 Employment Agreement, Mr.&#160;Thornberry will receive the following severance benefits, in each case payable in accordance with the terms of the 2023 Employment Agreement, if his employment is terminated without &#8220;Cause&#8221; or if he terminates employment for &#8220;Good Reason&#8221; (each as defined in the 2023 Employment Agreement) and he executes and does not revoke a written release of any claims against the Company: </p> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top" align="left">(1)</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">two times his base salary; </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top" align="left">(2)</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">an amount equal to two times the greater of (a)&#160;his target incentive award under the STI Plan for the year in which the termination occurs (or if it has not yet been established, the target incentive award for the immediately preceding fiscal year) or (b)&#160;the 2023 STI Target; </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top" align="left">(3)</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">a prorated target incentive award under the STI Plan equal to a pro rata portion of the greater of (i)&#160;his target incentive award for the year in which the termination occurs (or if it has not yet been established, the target incentive award for the immediately preceding fiscal year) or (ii)&#160;the 2023 STI Target (the &#8220;Pro Rata STI); </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top" align="left">(4)</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">The monthly cost of continued medical coverage at or below the level of coverage in effect on the date of termination until the earlier of: (x)&#160;18 months after the termination date; (y)&#160;the date on which Mr.&#160;Thornberry becomes eligible to elect medical coverage under Social Security Medicare or otherwise ceases to be eligible for continued coverage under the Company&#8217;s health plan under the Consolidated Omnibus Budget Reconciliation Act of 1985, as amended (&#8220;COBRA&#8221;); or (z)&#160;the date he is eligible to elect medical coverage under a plan maintained by a successor employer. During any period of continued medical coverage, the Company has agreed to pay the monthly COBRA premiums for such continued health coverage, less an amount equal to the active employee premium charge paid by Mr.&#160;Thornberry for such coverage under the Company&#8217;s health plan immediately prior to the date of termination; </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top" align="left">(5)</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">vesting of any outstanding equity grants, including restricted stock units, performance units and stock options, as if Mr.&#160;Thornberry had met the requirements for retirement under the applicable grant agreements, other than the <span style="white-space:nowrap">One-Time</span> Grant, which will not be subject to vesting on retirement and will be treated in accordance with its terms outlined below; </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top" align="left">(6)</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">vesting of any retirement benefits under the Company&#8217;s Benefit Restoration Plan; and </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top" align="left">(7)</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">the Accrued Obligations (as defined in the 2023 Employment Agreement). </p></td></tr></table> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the 2023 Employment Agreement is terminated pursuant to its terms on December&#160;31, 2026, Mr.&#160;Thornberry will not receive or be entitled to the severance benefits described above. However, if Mr.&#160;Thornberry&#8217;s employment is terminated for any reason other than &#8220;Cause&#8221; on or after December&#160;31, 2026, he will remain eligible to receive any unpaid incentive award under the STI Plan for the 2026 year, based on his performance for 2026 and payable at the time that STI awards are paid to other executive officers. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The 2023 Employment Agreement does not include any tax gross up for excise taxes. If an excise tax under section 4999 of the Internal Revenue Code of 1986, as amended, is triggered by any payments upon a change of control, the aggregate present value of the payments to be made under the 2023 Employment Agreement will be reduced to an amount that does not cause any amounts to be subject to this excise tax so long as the net amount of the reduced payments, on an <span style="white-space:nowrap">after-tax</span> basis, is greater than or equal to the net amount of the payments without such reduction, but taking into consideration this excise tax. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The compensation payable to Mr.&#160;Thornberry under the 2023 Employment Agreement is subject to the Company&#8217;s written policies, including the Code of Conduct and Ethics (the &#8220;Code of Conduct&#8221;), Incentive Compensation Recoupment Policy, and stock ownership guidelines, as currently in place or as may be amended by the Board. The 2023 Employment Agreement further provides that Mr.&#160;Thornberry will comply with the Restrictive Covenants Agreement (described below) and other written restrictive covenant agreements with the Company. </p>
</div></div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">
 <p style="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman;font-weight:bold"><span style="text-decoration:underline">Restrictive Covenants Agreement</span> </p> <p style="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the 2023 Employment Agreement, Mr.&#160;Thornberry agrees to comply with the restrictive covenants and agreements set forth in the Restrictive Covenants Agreement, dated as of February&#160;8, 2017, between Mr.&#160;Thornberry and the Company (the &#8220;RCA&#8221;) as well as all other written restrictive covenants and agreements he has entered into with the Company. As further described in the RCA, Mr.&#160;Thornberry has agreed that for 18 months following termination of his employment for any reason (the &#8220;Restriction Period&#8221;) he will not compete with the Company. In addition, during the Restriction Period, he has agreed to restrictions on hiring and soliciting the Company&#8217;s employees and on soliciting the Company&#8217;s customers. The foregoing description of the RCA is qualified in its entirety by reference to the full text of the RCA, a copy of which is filed as Exhibit 10.2 to the Company&#8217;s Current Report on Form <span style="white-space:nowrap">8-K</span> dated February&#160;7, 2017 and filed with the Securities and Exchange Commission on February&#160;13, 2017. </p> <p style="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman;font-weight:bold"><span style="text-decoration:underline"><span style="white-space:nowrap">One-Time</span> Outperformance Award - Grant of Performance-Based Stock Units </span> </p> <p style="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As provided in the 2023 Employment Agreement, on August&#160;9, 2023 , the Company granted Mr.&#160;Thornberry the <span style="white-space:nowrap">One-Time</span> Outperformance Award to incent Mr.&#160;Thornberry to successfully drive outperformance in the Company&#8217;s growth in book value per share and relative total stockholder returns (&#8220;TSR&#8221;), in each case over a performance period from July&#160;1, 2023 through December&#160;31, 2026 (the &#8220;Performance Period&#8221;). The following summary of the <span style="white-space:nowrap">One-Time</span> Outperformance Award is not a complete description of all of the terms and conditions of the PSUs, and is qualified in its entirety by reference to the full text of the grant agreement for the <span style="white-space:nowrap">One-Time</span> Outperformance Award (the &#8220;Grant Agreement&#8221;), a copy of which is filed as Exhibit 10.3 and is incorporated by reference in this Current Report on Form <span style="white-space:nowrap">8-K.</span> Please refer to the Grant Agreement for a definition of capitalized terms referenced in the summary below that are not otherwise defined below. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Mr.&#160;Thornberry was granted a target award of 350,000 PSUs (the &#8220;Target Award&#8221;) that will vest on December&#160;31, 2026, subject to the attainment of specified performance goals as described below, as well as certain conditions described below under &#8220;<span style="font-style:italic">Termination of</span> <span style="font-style:italic">Employment Events.</span>&#8221; Upon vesting, each vested PSU will be payable in one share of the Company&#8217;s common stock. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On the vesting date, Mr.&#160;Thornberry will become vested in a number of PSUs (from 0 to 150% of the Target Award), with performance for 50% of the PSUs (the &#8220;BV Payout Percentage&#8221;) based on the Company&#8217;s Cumulative Growth in Book Value per Share over the Performance Period and vesting of the remaining 50% of the PSUs (the &#8220;TSR Payout Percentage&#8221;) based on the Company Absolute TSR as compared to the Average Peer Group TSR over the Performance Period, in each case calculated against the following reference points: </p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;width:68%;border:0;margin:0 auto">


<tr>

<td style="width:51%"></td>

<td style="vertical-align:bottom;width:3%"></td>
<td style="width:46%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td align="center" style="border-bottom:1.00pt solid #000000;vertical-align:bottom;white-space:nowrap"> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Cumulative Growth in Book Value per Share</p></td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td align="center" style="border-bottom:1.00pt solid #000000;vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">BV Payout Percentage</p></td></tr>


<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt;background-color:#cceeff">
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&#8804; 30%</p></td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:bottom;white-space:nowrap">0%</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">60%</p></td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:bottom;white-space:nowrap">100%</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt;background-color:#cceeff">
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&#8805; 90%</p></td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:bottom;white-space:nowrap">150%</td></tr>
</table>
</div></div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">

<table cellspacing="0" cellpadding="0" style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;width:68%;border:0;margin:0 auto">


<tr>

<td style="width:51%"></td>

<td style="vertical-align:bottom;width:3%"></td>
<td style="width:46%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td align="center" style="border-bottom:1.00pt solid #000000;vertical-align:bottom;white-space:nowrap"> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Relative Cumulative TSR</p></td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td align="center" style="border-bottom:1.00pt solid #000000;vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">TSR Payout Percentage</p></td></tr>


<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt;background-color:#cceeff">
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Absolute TSR &#8804; Average Peer Group TSR</p></td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:bottom;white-space:nowrap">0%</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Absolute TSR = Average Peer Group TSR + 10%</p></td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:bottom;white-space:nowrap">100%</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt;background-color:#cceeff">
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Absolute TSR &#8805; Average Peer Group TSR + 20%</p></td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:bottom;white-space:nowrap">150%</td></tr>
</table> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the Company&#8217;s performance on either of the above performance metrics falls between two referenced percentages, the applicable payout percentage will be subject to straight-line interpolation. In no event shall the maximum number of PSUs that may be payable exceed 150% of the Target Award. The actual number of PSUs that vest with respect to the <span style="white-space:nowrap">One-Time</span> Outperformance Award (the &#8220;<span style="text-decoration:underline">Final Payout Percentage</span>&#8221;)<span style="font-weight:bold"> </span>shall be determined by multiplying 50% of the number of PSUs subject to the Target Award by the BV Payout Percentage and adding that product to the product of 50% of the number of PSUs subject to the Target Award by the TSR Payout Percentage; provided, however, that no portion of the PSUs shall vest if the Company&#8217;s Absolute TSR is negative over the Performance Period or in the case of a Change of Control, over the period ending as of the end of the fiscal quarter immediately preceding the fiscal quarter in which the Change of Control occurs or the date of the Change of Control if the Change of Control occurs on the last day of a fiscal quarter. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The treatment of the <span style="white-space:nowrap">One-Time</span> Outperformance Award upon the occurrence of certain employment termination events is described under &#8220;<span style="font-style:italic">Termination of</span> <span style="font-style:italic">Employment Events</span>&#8221; below. The <span style="white-space:nowrap">One-Time</span> Outperformance Award provides for &#8220;double trigger&#8221; vesting in the event of a change of control. In the event of a change of<span style="font-weight:bold"><span style="font-style:italic"> </span></span>control of the Company before the end of the Performance Period, absent an Involuntary Termination, the PSUs will become vested on the vesting date at the CoC Performance Level. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In general, the <span style="white-space:nowrap">One-Time</span> Outperformance Award provides that upon the declaration and payment by the Company of a cash dividend on its common stock, Mr.&#160;Thornberry will be entitled to receive a cash amount equal to the <span style="white-space:nowrap">per-share</span> cash dividend paid by the Company (a &#8220;Dividend Equivalent&#8221;), multiplied by the total number of PSUs, with the number of PSUs initially measured at the Target Award and adjusted at vesting based on performance under the award. Any Dividend Equivalents credited to the PSUs are subject to the same vesting, payment, forfeiture and other terms and conditions as the related award. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Dividend Equivalents will accrue on unvested PSUs in a <span style="white-space:nowrap">non-interest</span> bearing book account and will not be paid prior to vesting of the PSUs. Unless the PSUs are otherwise deferred under the Company&#8217;s deferred compensation plan for executives, such Dividend Equivalents, as adjusted to take into account achievement of the applicable performance goals with respect to the PSUs, will be paid when the PSUs vest. If and to the extent that the underlying PSUs are forfeited, all related Dividend Equivalents will be forfeited. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The PSUs include a provision that prohibits Mr.&#160;Thornberry from competing with the Company and from soliciting the Company&#8217;s employees or customers for a period of 18 months following termination of the Executive&#8217;s employment for any reason, as set forth in the 2023 Employment Agreement. </p> <p style="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold"><span style="font-style:italic">Termination of Employment Events </span></p> <p style="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Generally, the One-Time Outperformance Award would be treated as follows if the Executive&#8217;s employment is terminated for the following reasons: </p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;width:68%;border:0;margin:0 auto">


<tr>

<td style="width:28%"></td>

<td style="vertical-align:bottom;width:3%"></td>
<td style="width:69%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style="vertical-align:bottom" align="center"> <p style=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:inline-block; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Termination&#160;Event</p></td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:bottom" align="center"> <p style=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:inline-block; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">PSUs</p></td></tr>


<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt;background-color:#cceeff">
<td style="vertical-align:top"><span style="font-weight:bold"><span style="font-style:italic">Voluntary&#160;Termination</span></span></td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:bottom">All unvested PSUs are forfeited</td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold"><span style="font-style:italic">Involuntary&#160;Termination*</span></p> <p style="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&#160;</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman;font-weight:bold"><span style="font-style:italic">(No Change of Control)</span></p></td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Except as set forth below, the target number of PSUs will be prorated for the number of months served between July&#160;1, 2023 and date of termination, with vesting occurring at the end of the Performance Period based on performance against the performance metrics</p> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <p style="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&#8226;&#8195;&#8194;&#8202;If terminated within six months of the grant date, the PSUs will be forfeited</p> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <p style="margin-top:0pt; margin-bottom:1pt; margin-left:2.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&#8226;&#8195;&#8194;&#8202;If terminated during the <span style="white-space:nowrap">six-months</span> prior to the original vesting date, the PSUs will not be prorated</p></td></tr></table>
</div></div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">

<table cellspacing="0" cellpadding="0" style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;width:68%;border:0;margin:0 auto">


<tr>

<td style="width:28%"></td>

<td style="vertical-align:bottom;width:3%"></td>
<td style="width:69%"></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>

<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt;background-color:#cceeff">
<td style="vertical-align:top"><span style="font-weight:bold"><span style="font-style:italic">Involuntary&#160;Termination* Occurring 90 Days Before or One Year After Change of Control</span></span></td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top">Accelerate vesting of PSUs as of the termination date (or, if later, on the date of the Change of Control) at the CoC Performance Level</td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top"><span style="font-weight:bold"><span style="font-style:italic">Death / Disability</span></span></td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:bottom">Accelerate vesting of the PSUs as of the date of death or disability equal to the Target Award level, or if a change of control has occurred, at the CoC Performance Level.</td></tr>
</table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:18%">&#160;</td>
<td style="width:4%;vertical-align:top" align="left">*Involuntary</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Termination is defined in the Grant Agreement. </p></td></tr></table> <p style="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold">Item&#160;9.01. Financial Statements and Exhibits. </p> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><span style="font-weight:bold">(d) </span><span style="font-weight:bold"><span style="font-style:italic">Exhibits.</span></span><span style="font-weight:bold"> </span></p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p><div>
<table cellspacing="0" cellpadding="0" style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;width:97%;border:0;margin-left:auto">


<tr>

<td></td>

<td style="vertical-align:bottom;width:3%"></td>
<td style="width:93%"></td></tr>


<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">10.1+</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d663033dex101.htm">Amended and Restated Employment Agreement, dated as of August&#160;9, 2023, between Radian Group Inc. and Richard G. Thornberry </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">10.2+</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="http://www.sec.gov/Archives/edgar/data/890926/000119312517040591/d300797dex102.htm">Restrictive Covenants Agreement, dated as of February&#160;8, 2017, between Radian Group Inc. and Richard G. Thornberry (incorporated by reference to Exhibit&#160;10.2 to the Company&#8217;s Current Report on Form <span style="white-space:nowrap">8-K</span> (file no. <span style="white-space:nowrap">1-11356)</span> dated February&#160;7, 2017 and filed February&#160;13, 2017). </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">10.3+</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d663033dex103.htm"><span style="white-space:nowrap">One-Time</span> Special Performance-Based Restricted Stock Unit Grant of Special Performance-Based Restricted Stock Units made as of August&#160;9, 2023, by Radian Group Inc. to Richard G. Thornberry </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">104</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top">Cover Page Interactive Data File (embedded within the Inline XBRL document)</td></tr>
</table></div> <p style="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:2%;vertical-align:top" align="left">+</td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Management contract, compensatory plan or arrangement </p></td></tr></table>
</div></div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">
 <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">SIGNATURES </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. </p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;width:100%;border:0">


<tr>

<td style="width:45%"></td>

<td style="vertical-align:bottom;width:1%"></td>
<td style="width:4%"></td>

<td style="vertical-align:bottom"></td>
<td style="width:3%"></td>

<td style="vertical-align:bottom;width:1%"></td>
<td style="width:45%"></td></tr>


<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom" colspan="3"><span style="font-weight:bold"><span style="text-decoration:underline">RADIAN GROUP INC.</span></span></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom" colspan="3">(Registrant)</td></tr>
<tr style="font-size:1pt">
<td style="height:12pt" colspan="3"></td>
<td style="height:12pt" colspan="2"></td>
<td style="height:12pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top" colspan="3">Date: August&#160;11, 2023</td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td></tr>
<tr style="font-size:1pt">
<td style="height:12pt"></td>
<td style="height:12pt" colspan="2"></td>
<td style="height:12pt" colspan="2"></td>
<td style="height:12pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:top">By:</td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Edward J. Hoffman</p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom" colspan="3">Edward J. Hoffman</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom" colspan="3">General Counsel and Corporate Secretary</td></tr>
</table>
</div></div>

</body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>d663033dex101.htm
<DESCRIPTION>EX-10.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-10.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 10.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">AMENDED AND RESTATED EMPLOYMENT AGREEMENT </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">WITH RICHARD G. THORNBERRY </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">THIS
AMENDED AND RESTATED EMPLOYMENT AGREEMENT (the &#147;<U>Agreement</U>&#148;) is entered into by and between Radian Group Inc. (the &#147;<U>Company</U>&#148;) and Richard&nbsp;G.&nbsp;Thornberry (the &#147;<U>Executive</U>&#148;) as of July&nbsp;1,
2023 (the &#147;<U>Effective Date</U>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Company desires to continue to employ the Executive as its Chief Executive
Officer and the Executive desires to continue to serve in such capacity on behalf of the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Company and the Executive
are parties to an Employment Agreement, entered into as of November&nbsp;19, 2019 and amended as of March&nbsp;26, 2021 (the &#147;Existing Agreement&#148;), and the parties wish to enter into this Agreement to supersede and replace the Existing
Agreement, effective as of the Effective Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of the premises and of the mutual covenants and
agreements hereinafter set forth, the Company and the Executive hereby agree as follows: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1. <U>Employment</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <U>Term</U>. The term of this Agreement shall begin on the Effective Date and shall continue through December&nbsp;31, 2026, unless sooner
terminated by either party as set forth below, or until the termination of the Executive&#146;s employment, if earlier. The period commencing on the Effective Date and ending on the date on which the term of the Agreement terminates is referred to
herein as the &#147;<U>Term</U>.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <U>Duties</U>. During the Term, the Executive shall serve as the Chief Executive Officer of
the Company with duties, responsibilities and authority commensurate therewith and shall report to the Board of Directors of the Company (the &#147;<U>Board</U>&#148;). The Executive shall perform all duties and accept all responsibilities incident
to such position as is set forth in the Company&#146;s Guidelines of Corporate Governance (as in effect on the Effective Date or as may be modified thereafter after consultation with the Executive) and as otherwise may be reasonably assigned to the
Executive by the Board, consistent with his position as Chief Executive Officer. The Company shall cause the Executive to be nominated as a member of the Board at each annual meeting of stockholders of the Company during the Term at which the
Executive&#146;s Board seat is up <FONT STYLE="white-space:nowrap">for&nbsp;re-election.&nbsp;The</FONT> Executive represents to the Company that the Executive is not subject to or a party to any employment
<FONT STYLE="white-space:nowrap">agreement,&nbsp;non-competition&nbsp;covenant,</FONT> or other agreement that would be breached by, or prohibit the Executive from executing, this Agreement and performing fully the Executive&#146;s duties and
responsibilities hereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <U>Best Efforts</U>. During the Term, the Executive shall devote his best efforts and all or
substantially all of his full business time and attention to promote the business and affairs of the Company and its affiliated entities, and shall be engaged in other business activities only to the extent that such activities: (1)&nbsp;do not
materially interfere or conflict with the Executive&#146;s obligations to the Company hereunder, including, without limitation, obligations pursuant to Section&nbsp;14 below, the Restrictive Covenants Agreement (as defined below), the other
agreements described in Section&nbsp;14 of this Agreement, and the Company&#146;s Code of Conduct and Ethics, as in </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
effect on the Effective Date or as may be modified thereafter after consultation with the Executive (the &#147;<U>Code of Conduct</U>&#148;), and (2)&nbsp;such other business activities have been
reviewed, and if necessary approved, in accordance with the Company&#146;s Guidelines of Corporate Governance. For purposes of clarity, activities that are in furtherance of the Company&#146;s interest, including serving on representative boards
and/or committees of industry trade groups, shall be considered to be in promotion of the business and affairs of the Company and its affiliated entities. The Executive may, without further review or consent, (i)&nbsp;deliver lectures, fulfil
speaking engagements or lecture at educational institutions, and (ii)&nbsp;manage personal investments; provided that, in the case of (i)&nbsp;and (ii) above, the Executive complies with his obligations and conditions under Section&nbsp;14 of this
Agreement, the Restrictive Covenants Agreement, the other agreements described in Section&nbsp;14, and the Company&#146;s Code of Conduct. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <U>Principal Place of Employment</U>. The Executive and Radian have agreed that Executive shall maintain a virtual office as his principal
place of employment, provided that the Executive shall be required to travel for business in the course of performing his duties for the Company, including as necessary from time to time, to the Company&#146;s offices where an <FONT
STYLE="white-space:nowrap">in-person</FONT> employee presence is maintained. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">2. <U>Compensation</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <U>Base Salary</U>. During the Term, the Company shall pay the Executive a base salary (&#147;<U>Base Salary</U>&#148;), at the annual
rate of $1,000,000, which shall be paid in installments in accordance with the Company&#146;s normal payroll practices. The Executive&#146;s Base Salary shall be reviewed annually by the independent directors of the Board and may be increased (but
not decreased) as the independent directors, upon the recommendation of the Compensation and Human Resources Committee of the Board (the &#147;<U>Compensation Committee</U>&#148;), deem appropriate. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <U>Annual Incentive Plan</U>. With respect to each fiscal year of the Company ending during the Term, the Executive shall be eligible to
earn an incentive award under the Radian Group Inc. STI Incentive Plan for Executive Employees, or any successor plan (the &#147;<U>STI Plan</U>&#148;) pursuant to the terms and conditions of the STI Plan. The Executive&#146;s incentive award shall
be paid at such times and in such manner as set forth in the STI Plan. Prior to or at the beginning of each fiscal year of the Company, the independent directors of the Board (upon the recommendation of the Compensation Committee) shall determine
the Target Incentive Award (as defined in the STI Plan) for the Executive, taking into consideration such factors as the independent directors deem appropriate. The Executive&#146;s Target Incentive Award under the STI Plan for 2023 shall be
$2,000,000. Notwithstanding the terms of the STI Plan, &#147;Cause&#148; as used therein shall be deemed to refer to the definition of Cause contained in this Agreement, and any provision therein relating to the Executive&#146;s termination of
employment by the Company without Cause shall be deemed to include a resignation by the Executive for Good Reason hereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)
<U>Long-Term Incentive Opportunity</U>. The Executive shall be eligible to receive long-term incentive awards in respect of each fiscal year during the Term (&#147;<U>LTI</U>&#148;) under the Company&#146;s long-term incentive program in an amount
and on terms established by the Committee, commensurate with his position as Chief Executive Officer. For the 2023 fiscal year, the Executive shall be granted equity awards in connection with the Company&#146;s regular grant cycle having an
aggregate grant date value of $6,000,000 on terms established by the Committee, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
which shall be no less favorable than such terms as established generally for executive officers of the Company. Without limiting the scope of the foregoing, LTI awards shall contain
retirement-based vesting provisions, as determined by the Compensation Committee after consultation with the Executive, that define retirement as termination of employment after either attainment of age 55 with at least 10 years of service or
attainment of age 65 with at least 5 years of service. In addition, concurrently with the execution of this Agreement, the Executive shall be granted a <FONT STYLE="white-space:nowrap">one-time</FONT> special outperformance award of performance
stock units (the &#147;<U><FONT STYLE="white-space:nowrap">One-Time</FONT> Grant</U>&#148;) on the terms set forth in the applicable grant agreement (which, for the avoidance of doubt, shall be exempt from the retirement-based vesting provisions of
the Company&#146;s long-term incentive program), substantially in the form attached hereto as <U>Appendix 1</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <U>Target
Compensation</U>. The Executive&#146;s Target Incentive Award under the STI Plan and target LTI shall be reviewed annually by the independent directors pursuant to the normal performance review policies for the CEO, with such targets established by
the independent directors in their sole discretion, following a recommendation by the Compensation Committee. For each full fiscal year of the Term, the total of the Executive&#146;s Base Salary, Target Incentive Award under the STI Plan, and target
LTI shall be no less than $9,000,000, with the actual realized pay to the Executive primarily dependent on performance under the STI Plan and LTI awards to the Executive. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">3. <U>Retirement and Welfare Benefits</U>. During the Term, the Executive shall be eligible to participate in the Company&#146;s health, life insurance (at
the CEO level of coverage), long-term disability, retirement, deferred compensation, stock purchase and welfare benefit plans and programs available to executives of the Company, pursuant to their respective terms and conditions. Nothing in this
Agreement shall preclude the Company or any affiliate of the Company from terminating or amending any employee benefit plan, program or policy from time to time after the Effective Date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">4. <U>Vacation</U>. During the Term, the Executive shall be entitled to paid time off each year, as well as Company holidays at levels commensurate with those
provided to other executive officers of the Company, in accordance with the Company&#146;s paid time off and holiday policies (which currently provide for 30 days paid time off for executive officers and one &#147;floating holiday&#148; in addition
to regularly scheduled holidays). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">5. <U>Expenses</U>. The Company shall reimburse the Executive for all necessary and reasonable travel and other
business expenses incurred by the Executive in the performance of his duties hereunder in accordance with the Company&#146;s expense reimbursement policy for executives. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">6. <U>Termination without Cause; Resignation for Good Reason</U>. The Company may terminate the Executive&#146;s employment at any time without Cause upon 15
days&#146; advance written notice (or pay in lieu of notice). The Executive may initiate a termination of employment by resigning for Good Reason as described below. Upon termination by the Company without Cause or resignation by the Executive for
Good Reason, in either case during the Term, if the Executive executes and does not revoke a written Release (as defined below), the Executive shall be entitled to receive, in lieu of any payments under any severance plan or program for employees or
executives, the following: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company shall pay the Executive an amount equal to two times the Executive&#146;s
annual Base Salary, which shall be paid as follows: (i)&nbsp;the maximum amount that can be paid under the &#147;separation pay&#148; exception under section 409A of the Internal Revenue Code of 1986, as amended (the &#147;<U>Code</U>&#148;) shall
be paid in 12 equal monthly installments following the Executive&#146;s termination date, in accordance with the Company&#146;s normal payroll practices, with the first payment to be made within 60 days following such termination of employment, and
(ii)&nbsp;the remainder of such benefit shall be paid in a lump sum between March&nbsp;1 and March&nbsp;15 of the calendar year following the year in which the Executive&#146;s termination date occurs. The first payment under clause (i)&nbsp;shall
include any payments for the period from the termination date to the commencement date of payments. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Company shall pay the
Executive an amount equal to two times the Executive&#146;s Target Incentive Award established under the STI Plan either (i)&nbsp;for the year in which the termination date occurs (or if it has not yet been established, the Target Incentive Award
established for the immediately preceding year), or (ii)&nbsp;the Executive&#146;s Target Incentive Award under the STI Plan for 2023, whichever is greater, which amount shall be paid in a lump sum between March&nbsp;1 and March&nbsp;15 of the
calendar year following the year in which the Executive&#146;s termination date occurs. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The Company shall pay the Executive <FONT
STYLE="white-space:nowrap">a&nbsp;pro-rated&nbsp;Target</FONT> Incentive Award under the STI Plan, which shall be paid in a lump sum within 60&nbsp;days following the Executive&#146;s termination date. The prorated Target Incentive Award shall
equal: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) Either (x)&nbsp;the Executive&#146;s Target Incentive Award established under the STI Plan for the year in
which the termination date occurs (or the immediately preceding year if such Target Incentive Award has not yet been established), or (y)&nbsp;the Executive&#146;s Target Incentive Award under the STI Plan for 2023, whichever is greater, multiplied
by </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) A fraction, the numerator of which is the number of full completed days of employment with the Company from the
beginning of the calendar year through the termination date, and the denominator of which is the number of days in such year. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) During
the period beginning on the Executive&#146;s termination date and ending on the first to occur of (i) 18 months after the termination date, (ii)&nbsp;the date on which the Executive becomes eligible for health coverage by a successor employer, or
(iii)&nbsp;the date on which the Executive becomes eligible to elect medical coverage under Social Security Medicare or otherwise ceases to be eligible for continued health coverage under the Company&#146;s group health plan under the Consolidated
Omnibus Budget Reconciliation Act (&#147;<U>COBRA</U>&#148;) (the &#147;<U>Coverage Period</U>&#148;), if the Executive elects to receive continued health coverage under the Company&#146;s health plan under COBRA at a level of coverage at or below
the Executive&#146;s level of coverage in effect on the date of the Executive&#146;s termination of employment, the Company will pay the monthly COBRA premium cost for such continued health coverage, less an amount equal to the applicable active
employee premium charge that Executive paid immediately prior to the Termination Date for such health coverage (the &#147;<B><U>COBRA Benefit</U></B>&#148;).</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The payments shall commence on the first payroll date that is administratively practicable
after the Executive&#146;s termination date, and within 60 days after the Executive&#146;s termination date. The first payment shall include any payments for the period from the termination date to the commencement date. The Company shall provide
the COBRA Benefit to Executive under this subsection only for the portion of the Coverage Period during which the Executive continues COBRA coverage under the Company&#146;s health plan. The Executive agrees to notify the Company promptly of the
Executive&#146;s coverage under an alternative health plan upon becoming covered by such alternative plan. The COBRA health care continuation coverage period under section 4980B of the Code shall run concurrently with the Coverage Period. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) The Executive&#146;s outstanding restricted stock units, performance units, stock options and any other equity grants will vest and be
paid as if the Executive had met the requirements for retirement under the applicable grant agreements, other than the <FONT STYLE="white-space:nowrap">One-Time</FONT> Grant, which will be treated in accordance with its terms. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) Any retirement benefits under the Company&#146;s Benefit Restoration Plan shall be fully vested. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) The Company shall also pay the Accrued Obligations, regardless of whether the Executive executes or revokes the Release. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) Termination of this Agreement pursuant to its terms on December&nbsp;31, 2026 shall not constitute a termination of Executive&#146;s
employment for purposes of this Agreement, and no amounts shall be paid under Sections 6(a) through (d)&nbsp;upon termination of employment on or after December&nbsp;31, 2026. However, in the event of Executive&#146;s termination of employment for
any reason other than by the Company for Cause on or after December&nbsp;31, 2026, the Executive shall remain eligible to receive any unpaid incentive award under the STI Plan for the fiscal year ended December&nbsp;31, 2026, based on performance
for such year, with such payment to be made to Executive at the same time that STI payments for the 2026 performance year are paid to executive officers. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">7. <U>Cause</U>. The Company may terminate the Executive&#146;s employment at any time for Cause upon written notice to the Executive, in which event all
payments under this Agreement shall cease, except for the Accrued Obligations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">8. <U>Voluntary Resignation without Good Reason</U>. The Executive may
voluntarily terminate employment without Good Reason for any reason upon 30 days&#146; prior written notice to the Company. In such event, after the effective date of such termination, no payments shall be due under this Agreement, except for the
Accrued Obligations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">9. <U>Disability</U>. If the Executive incurs a Disability during the Term, the Company may terminate the Executive&#146;s
employment on or after the date of Disability. If the Executive&#146;s employment terminates on account of Disability, the Executive shall receive the Accrued Obligations. Otherwise, the Company shall have no further liability or obligation under
this Agreement to the Executive. For purposes of this Agreement, the term &#147;<U>Disability</U>&#148; shall mean a physical or mental impairment of sufficient severity that the Executive is both eligible for and in receipt of benefits under the
long-term disability program maintained by the Company. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">10. <U>Death</U>. If the Executive dies during the Term, the Executive&#146;s employment shall terminate on
the date of death, the Executive&#146;s executor, legal representative, administrator or designated beneficiary, as applicable, shall receive the Accrued Obligations. Otherwise, the Company shall have no further liability or obligation under this
Agreement to the Executive&#146;s executors, legal representatives, administrators, heirs or assigns or any other person claiming under or through the Executive. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">11. <U>Resignation of Positions</U>. Effective as of the date of any termination of employment, the Executive shall resign all Company-related positions,
including as an officer and director of the Company and its affiliates. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">12. <U>Definitions</U>. For purposes of this Agreement, the following terms shall
have the following meanings: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) &#147;<U>Accrued Obligations</U>&#148; shall mean (i)&nbsp;all accrued but unpaid Base Salary, and all
accrued but unused PTO under the terms of the Company&#146;s PTO policy, through the date of termination of the Executive&#146;s employment, (ii)&nbsp;any unpaid or unreimbursed expenses incurred through the date of such termination in accordance
with Section&nbsp;5 hereof, and (iii)&nbsp;any vested accrued compensation, equity awards or benefits provided under the Company&#146;s employee incentive or benefit plans upon or following a termination of employment, in accordance with the terms
of the applicable plan, including without limitation the STI Plan, but excluding any separate Company severance plan or policy. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)
&#147;<U>Cause</U>&#148; shall mean any of the grounds for termination of the Executive&#146;s employment listed below, after the Executive has been provided with an opportunity to meet with the Board with respect to the determination of Cause: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) the Executive&#146;s indictment for, conviction of, or pleading nolo contendere to, a felony or a crime involving fraud,
misrepresentation, or moral turpitude (excluding traffic offenses other than traffic offenses involving the use of alcohol or illegal substances); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) the Executive&#146;s fraud, dishonesty, theft, or misappropriation of funds in connection with the Executive&#146;s duties
with the Company and its affiliates; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) the Executive&#146;s material violation of the Company&#146;s Code of Conduct;
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) the Executive&#146;s gross negligence or willful misconduct in the performance of the Executive&#146;s duties with the
Company and its affiliates; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) the Executive&#146;s breach of Section&nbsp;14 of this Agreement or any covenants
contained in the Restrictive Covenants Agreement (except any breach relating to the Company&#146;s Code of Conduct, which shall be governed by clause (3)&nbsp;above) or any other agreement described in Section&nbsp;14, or the Executive&#146;s
material breach of any other provision of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) &#147;<U>Good Reason</U>&#148; shall mean: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) The scope of the Executive&#146;s duties, responsibilities and reporting lines as the Chief Executive Officer of the
Company are, in the aggregate, materially reduced; or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) Any action or inaction that constitutes a material breach of this
Agreement by the Company (which, for the avoidance of doubt, shall include any requirement that Executive&#146;s principal place of employment be other than at a virtual office of his choosing). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In order to terminate employment for Good Reason, the Executive must provide a written notice of termination with respect to termination for Good Reason to
the Company within 60 days after the event constituting Good Reason has occurred. The Company shall have a period of 30 days in which it may correct the act, or the failure to act, that gave rise to the Good Reason event as set forth in the notice
of termination. If the Company does not correct the act, or the failure to act, the Executive must terminate employment for Good Reason within 30 days after the end of the cure period, in order for the termination to be considered a Good Reason
termination. Notwithstanding the foregoing, in no event will the Executive have Good Reason for termination if an event described in Section&nbsp;12(c)(1) occurs in connection with the Executive&#146;s inability to substantially perform the
Executive&#146;s duties on account of short-term or long-term disability. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) &#147;<U>Release</U>&#148; shall mean a release in the form
attached hereto as<U>&nbsp;Exhibit A</U>, with such changes as the Company deems appropriate to comply with applicable law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">13. <U>Section 409A</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) This Agreement is intended to comply with section 409A of the Code and its corresponding regulations, or an exemption, and payments may
only be made under this Agreement upon an event and in a manner permitted by section 409A of the Code, to the extent applicable. Severance benefits under this Agreement are intended to be exempt from section 409A of the Code under the
&#147;short-term deferral&#148; exception, to the maximum extent applicable, and then under the &#147;separation pay&#148; exception, to the maximum extent applicable. Notwithstanding anything in this Agreement to the contrary, to the extent
required by section 409A of the Code, if the Executive is considered a &#147;specified employee&#148; for purposes of section 409A of the Code and if payment of any amounts under this Agreement is required to be delayed for a period of six months
after separation from service pursuant to section 409A of the Code, payment of such amounts shall be delayed as required by section 409A of the Code, and the accumulated amounts shall be paid in a lump sum payment within ten days after the end of <FONT
STYLE="white-space:nowrap">the&nbsp;six-month&nbsp;period.</FONT> If the Executive dies during the postponement period prior to the payment of benefits, the amounts withheld on account of section 409A of the Code shall be paid to the personal
representative of the Executive&#146;s estate within 60 days after the date of the Executive&#146;s death. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) All payments to be made
upon a termination of employment under this Agreement may only be made upon a &#147;separation from service&#148; under section 409A of the Code. For purposes of section 409A of the Code, each payment hereunder shall be treated as a separate payment
and the right to a series of installment payments under this Agreement shall be treated as a right to a series of separate payments. In no event may the Executive, directly or indirectly, designate the calendar year of a payment. Notwithstanding any
provision of this Agreement to the contrary, in no event shall the timing of the Executive&#146;s execution of the Release, directly or indirectly, result in the Executive designating the calendar year of payment of any amounts of deferred
compensation subject to section 409A of the Code, and if a payment that is subject to execution of the Release could be made in more than one taxable year, payment shall be made in the later taxable year. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) All reimbursements
<FONT STYLE="white-space:nowrap">and&nbsp;in-kind&nbsp;benefits</FONT> provided under this Agreement shall be made or provided in accordance with the requirements of section 409A of the Code, including, where applicable, the requirement that
(i)&nbsp;any reimbursement is for expenses incurred during the period of time specified in this Agreement, (ii)&nbsp;the amount of expenses eligible for reimbursement, or in kind benefits provided, during a calendar year may not affect the expenses
eligible for reimbursement, or in kind benefits to be provided, in any other calendar year, (iii)&nbsp;the reimbursement of an eligible expense will be made no later than the last day of the calendar year following the year in which the expense is
incurred, and (iv)&nbsp;the right to reimbursement or in kind benefits is not subject to liquidation or exchange for another benefit. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">14. <U>Restrictive
Covenants</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Executive agrees to comply with the restrictive covenants and agreements set forth in the Restrictive Covenants
Agreement dated February&nbsp;8, 2017 between the Company and the Executive,<U></U>&nbsp;which is attached as<U>&nbsp;Exhibit B</U>&nbsp;and is hereby incorporated into this Agreement by this reference<U></U>&nbsp;(the &#147;<U>Restrictive Covenants
Agreement</U>&#148;), and all other written agreements between the Company and the Executive
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">containing&nbsp;non-competition,&nbsp;non-solicitation,&nbsp;confidentiality,</FONT></FONT> inventions
<FONT STYLE="white-space:nowrap">assignment,&nbsp;non-disparagement&nbsp;and</FONT> other restrictive covenants. Without limiting the foregoing, all references in this Agreement to Section&nbsp;14 shall include the provisions of<U>&nbsp;Exhibit
B</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Notwithstanding anything in this Agreement to the contrary, if the Executive breaches any of the Executive&#146;s obligations
under this Section&nbsp;14, the Company shall be obligated to provide only the Accrued Obligations, and all other payments under this Agreement shall cease. In such event, the Company may require that the Executive repay all amounts theretofore paid
to him pursuant to Section&nbsp;6 hereof (other than the Accrued Obligations), and in such case, the Executive shall promptly repay such amounts on the terms determined by the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">15. <U>Legal Action</U>. The Executive irrevocably and unconditionally (1)&nbsp;agrees that any legal proceeding arising out of this Agreement shall be
brought solely in the United States District Court for Eastern District of Pennsylvania, or if such court does not have jurisdiction or will not accept jurisdiction, in any court of general jurisdiction in general jurisdiction in Philadelphia
County, Pennsylvania, (2)&nbsp;consents to the exclusive jurisdiction of such court in any such proceeding, and (3)&nbsp;waives any objection to the laying of venue of any such proceeding in any such court. The Executive also irrevocably and
unconditionally consents to the service of any process, pleadings, notices or other papers. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">16. <U>Survival</U>. The respective rights and obligations of
the parties under this Agreement (including Sections 14 and 15) shall survive any termination of the Executive&#146;s employment or termination or expiration of this Agreement to the extent necessary to the intended preservation of such rights and
obligations. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">17. <U>No Mitigation or Set Off</U>. In no event shall the Executive be obligated to seek other employment
or take any other action by way of mitigation of the amounts payable to the Executive under any of the provisions of this Agreement, and such amounts shall not be reduced, regardless of whether the Executive obtains other employment. The
Company&#146;s obligation to make the payments provided for in this Agreement and otherwise to perform its obligations hereunder shall not be affected by any circumstances, including, without limitation,
<FONT STYLE="white-space:nowrap">any&nbsp;set-off,&nbsp;counterclaim,</FONT> recoupment, defense or other right which the Company may have against the Executive or others. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">18. <U>Section 280G</U>. In the event of a change in ownership or control under section 280G of the Code, if it shall be determined that any payment or
distribution in the nature of compensation (within the meaning of section 280G(b)(2) of the Code) to or for the benefit of the Executive, whether paid or payable or distributed or distributable pursuant to the terms of this Agreement or otherwise (a
&#147;<U>Payment</U>&#148;), would constitute an &#147;excess parachute payment&#148; within the meaning of section 280G of the Code, the aggregate present value of the Payments under the Agreement shall be reduced (but not below zero) to the
Reduced Amount (defined below) if and only if the Accounting Firm (described below) determines that the reduction will provide the Executive with a greater <FONT STYLE="white-space:nowrap">net&nbsp;after-tax&nbsp;benefit</FONT> than would no
reduction. No reduction shall be made unless the reduction would provide the Executive with a greater <FONT STYLE="white-space:nowrap">net&nbsp;after-tax&nbsp;benefit.</FONT> The determinations under this Section shall be made as follows: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The &#147;<U>Reduced Amount</U>&#148; shall be an amount expressed in present value which maximizes the aggregate present value of Payments
under this Agreement without causing any Payment under this Agreement to be subject to the Excise Tax (defined below), determined in accordance with section 280G(d)(4) of the Code. The term &#147;<U>Excise Tax</U>&#148; means the excise tax imposed
under section 4999 of the Code, together with any interest or penalties imposed with respect to such excise tax. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Payments under this
Agreement shall be reduced on a nondiscretionary basis in such a way as to minimize the reduction in the economic value deliverable to the Executive. Where more than one payment has the same value for this purpose and they are payable at different
times, they shall be reduced on a pro rata basis. Only amounts payable under this Agreement shall be reduced pursuant to this Section. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) All determinations to be made under this Section shall be made by an independent certified public accounting firm selected by the Company
and agreed to by the Executive immediately prior to the change in ownership or control transaction (the &#147;<U>Accounting Firm</U>&#148;). The Accounting Firm shall provide its determinations and any supporting calculations both to the Company and
the Executive within ten days of the transaction. Any such determination by the Accounting Firm shall be binding upon the Company and the Executive. All of the fees and expenses of the Accounting Firm in performing the determinations referred to in
this Section shall be borne solely by the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">19. <U>Legal Fees</U>. The Company will reimburse the Executive for up to $15,000 of documented legal
fees that are reasonably related to the Executive&#146;s review and negotiation of this Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">20. <U>Notices</U>. All notices and other communications required or permitted under this Agreement or
necessary or convenient in connection herewith shall be in writing and shall be deemed to have been given when hand delivered or mailed by registered or certified mail, as follows (provided that notice of change of address shall be deemed given only
when received): </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If to the Company, to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Mary C. Dickerson, Senior Executive Vice President, Chief People Officer </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Radian Group Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">550 East Swedesford Road </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Suite 350 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Wayne, PA 19087 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If to the Executive, to the most recent address on file with the Company or to such other names or addresses as the Company or the Executive,
as the case may be, shall designate by notice to each other person entitled to receive notices in the manner specified in this Section. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">21.
<U>Withholding</U>. All payments under this Agreement shall be made subject to applicable tax withholding, and the Company shall withhold from any payments under this Agreement all federal, state and local taxes as the Company is required to
withhold pursuant to any law or governmental rule or regulation. Except as otherwise provided herein, the Executive shall bear all expense of, and be solely responsible for, all federal, state and local taxes imposed on the Executive with respect to
any payment received under this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">22. <U>Remedies Cumulative; No Waiver</U>. No remedy conferred upon a party by this Agreement is intended to
be exclusive of any other remedy, and each and every such remedy shall be cumulative and shall be in addition to any other remedy given under this Agreement or now or hereafter existing at law or in equity. No delay or omission by a party in
exercising any right, remedy or power under this Agreement or existing at law or in equity shall be construed as a waiver thereof, and any such right, remedy or power may be exercised by such party from time to time and as often as may be deemed
expedient or necessary by such party in its sole discretion. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">23. <U>Assignment</U>. All of the terms and provisions of this Agreement shall be binding
upon and inure to the benefit of and be enforceable by the respective heirs, executors, administrators, legal representatives, successors and assigns of the parties hereto, except that the duties and responsibilities of the Executive under this
Agreement are of a personal nature and shall not be assignable or delegable in whole or in part by the Executive. The Company shall require any successor (whether direct or indirect, by purchase, merger, consolidation, reorganization or otherwise)
to all or substantially all of the business or assets of the Company, within 15 days of such succession, expressly to assume and agree to perform this Agreement in the same manner and to the same extent as the Company would be required to perform if
no such succession had taken place, and the Executive acknowledges that in such event the obligations of the Executive hereunder, including but not limited to those under Section&nbsp;14, will continue to apply in favor of the successor. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">24. <U>Company Policies</U>. Employment with the Company is conditioned on the Executive&#146;s agreement to
comply with the Code of Conduct. The Executive confirms that he has certified to his compliance with the Company&#146;s Code of Conduct pursuant to the certification process required of all executive officers of the Company. The Executive, this
Agreement, and the compensation payable hereunder, as applicable, shall be subject to any applicable clawback or recoupment policies, stock ownership policies, share trading policies, the Code of Conduct, and other written policies that are in place
as of the Effective Date and as may be revised or implemented by the Company from time to time as applicable to officers of the Company, in each case after consultation with the Executive. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">25. <U>Indemnification</U>. As to any matter occurring or arising during the Executive&#146;s employment with the Company or its affiliates, the Company
hereby covenants and agrees to indemnify the Executive and hold him harmless fully, completely, and absolutely against and in respect to any and all actions, suits, proceedings, claims, demands, judgments, costs, reasonable expenses (including
reasonable attorney&#146;s fees), losses and damages (collectively, &#147;<U>Claims</U>&#148;) resulting from his performance of his duties and obligations as an employee, officer or director of the Company or any of its affiliates to the extent
provided by the bylaws of the Company and its affiliates (as in effect on the date hereof or as may be subsequently modified in consultation with the Executive); provided, however, that this indemnity shall not apply to any Claims that are a direct
result of the Executive&#146;s engaging in conduct that constitutes Cause. The Company will insure the Executive, for the duration of his employment, and thereafter in respect of his acts and omissions occurring during such employment under a
contract of directors and officers liability insurance to the same extent as any such insurance insures members of the Board. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">26. <U>Entire
Agreement</U>. This Agreement sets forth the entire agreement of the parties hereto and supersedes the Existing Agreement and any and all other prior agreements and understandings concerning the Executive&#146;s employment by the Company, other than
the Restrictive Covenants Agreement. This Agreement may be changed only by a written document signed by the Executive and the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">27.
<U>Severability</U>. If any provision of this Agreement or application thereof to anyone or under any circumstances is adjudicated to be invalid or unenforceable in any jurisdiction, such invalidity or unenforceability shall not affect any other
provision or application of this Agreement which can be given effect without the invalid or unenforceable provision or application and shall not invalidate or render unenforceable such provision or application in any other jurisdiction. If any
provision is held void, invalid or unenforceable with respect to particular circumstances, it shall nevertheless remain in full force and effect in all other circumstances. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">28. <U>Governing Law</U>. This Agreement shall be governed by, and construed and enforced in accordance with, the substantive and procedural laws of
Pennsylvania without regard to rules governing conflicts of law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">29. <U>Counterparts</U>. This Agreement may be executed in any number of counterparts
(including facsimile counterparts), each of which shall be an original, but all of which together shall constitute one instrument. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the date and year
first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Radian Group Inc.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Mary C. Dickerson</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Mary C. Dickerson</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Senior Executive Vice President,&nbsp;Chief People Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">EXECUTIVE</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Richard G. Thornberry</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Richard G. Thornberry</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Exhibit A </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Form of Release </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This Release
Agreement (this &#147;<B><U>Agreement</U></B>&#148;) is made by and between Richard G. Thornberry (&#147;<B><U>Employee</U></B>&#148;) and Radian Group Inc. (&#147;<B><U>Radian</U></B>&#148;). Employee and Radian are parties to this Agreement and
are collectively referred to herein as the &#147;<B><U>Parties</U></B>.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">As used in this Agreement, any reference to Employee shall include
Employee, and in their capacities as such, Employee&#146;s heirs, administrators, representatives, executors, legatees, successors, agents and assigns. As used in this Agreement, any reference to the &#147;<B><U>Company</U></B>&#148; shall mean
Radian and each subsidiary of Radian. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.</B> <B><U>Release</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) In further consideration of the compensation provided to Employee pursuant to Section&nbsp;6 of the Amended and Restated Employment
Agreement between Employee and Radian entered into effective July&nbsp;1, 2023 (the &#147;<B><U>Employment Agreement</U></B>&#148;) (other than compensation pursuant to Section&nbsp;6(g) of the Employment Agreement, which shall be paid regardless of
this Agreement), Employee hereby agrees, subject to and without waiving any rights identified in Paragraph 2, Permitted Conduct, of this Agreement, to the maximum extent permitted by law, to irrevocably and unconditionally RELEASE AND FOREVER
DISCHARGE the Company and each of its and their past or present parents, subsidiaries and affiliates, their past or present officers, directors, stockholders, employees and agents, their respective successors and assigns, heirs, executors and
administrators, the pension and employee benefit plans of the Company and of the Company&#146;s past or present parents, subsidiaries or affiliates, and the past or present trustees, administrators, agents or employees of all such pension and
employee benefit plans (hereinafter collectively included within the term the &#147;<B><U>Released Parties</U></B>&#148;), acting in any capacity whatsoever, of and from any and all manner of actions and causes of actions, suits, debts, claims and
demands whatsoever in law or in equity, whether known or unknown, which Employee may have, or which Employee&#146;s heirs, executors or administrators may have against the Released Parties, by reason of any matter, cause or thing whatsoever from the
beginning of Employee&#146;s employment with the Company to and including the date on which Employee executes this Agreement, and particularly, but without limitation of the foregoing general terms, any claims arising from or relating in any way to
Employee&#146;s employment relationship and/or the termination of Employee&#146;s employment relationship with the Company, including but not limited to, any claims which have been asserted, could have been asserted, or could be asserted now or in
the future, which includes any claim or right based upon or arising under any federal, state or local fair employment practices or equal opportunity laws, including, but not limited to, any claims under Title VII of the Civil Rights Act of 1964, the
Family and Medical Leave Act of 1993, the Equal Pay Act, the Employee Retirement Income Security Act (&#147;<B><U>ERISA</U></B>&#148;) (including, but not limited to, claims for breach of fiduciary duty under ERISA), the Americans With Disabilities
Act, the Age Discrimination in Employment Act (&#147;ADEA&#148;), the Older Workers&#146; Benefit Protection Act, the Worker Adjustment and Retraining Notification Act, 42 U.S.C. Section&nbsp;1981, any applicable state laws identified in Exhibit A
hereto, including all amendments thereto, and any other federal, state or local statutes or common law under which Employee can waive Employee&#146;s rights, any contracts between the Released Parties and Employee, and all claims for counsel fees
and costs. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Employee acknowledges that Employee has not made any claims or allegations related to sexual harassment or
sexual abuse and none of the payments set forth in this Agreement are related to sexual harassment or sexual abuse. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) In waiving and
releasing any and all claims against the Released Parties, whether or not now known to Employee, Employee understands that this means that if Employee later discovers facts different from or in addition to those facts currently known by Employee, or
believed by Employee to be true, the waivers and releases of this Agreement will remain effective in all respects, despite such different or additional facts and Employee&#146;s later discovery of such facts, even if Employee would not have agreed
to this Agreement if Employee had prior knowledge of such facts. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Notwithstanding anything in this Agreement to the contrary, Employee
does not waive (i)&nbsp;any entitlements under the terms of Section&nbsp;6 of the Employment Agreement, (ii)&nbsp;Employee&#146;s existing right to receive vested accrued benefits under any equity grants or other plans or programs of the Company
under which Employee has accrued benefits (other than under any Company separation or severance plan or programs), (iii)&nbsp;any claims that, by law, may not be waived, (iv)&nbsp;any rights or claims that may arise after the date Employee executes
this Agreement, (v)&nbsp;any right to indemnification under the bylaws of the Company, under any directors and officers insurance policy, or under Section&nbsp;25 of the Employment Agreement, with respect to Employee&#146;s performance of duties as
an employee or officer of the Company, and (vi)&nbsp;any claim or right Employee may have for unemployment insurance benefits, workers&#146; compensation benefits, state disability and/or paid family leave insurance benefits pursuant to the terms of
applicable state law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>2.</B> <B><U>Permitted Conduct</U></B>. Nothing in this Agreement shall prohibit or restrict Employee from:
initiating communications directly with, or filing any charge of complaint with, cooperating with, providing relevant information to, responding to any inquiry from, assisting in an investigation by, or providing testimony before, the Equal
Employment Opportunity Commission, the Department of Justice, the Securities and Exchange Commission, the Department of Labor, the National Labor Relations Board, or any other federal, state or local regulatory authority. Moreover, nothing herein is
intended to limit the exercise of Employee&#146;s rights under Section&nbsp;7 of the NLRA. To<B></B>&nbsp;the extent permitted by law, upon receipt of any subpoena, court order, or other legal process compelling the disclosure of any confidential
information and trade secrets of the Company, Employee agrees to give prompt written notice to the Company so as to permit the Company to protect its interests in confidentiality to the fullest extent possible<B>.</B><B></B><B>&nbsp;</B>However,
Employee hereby waives Employee&#146;s right to receive any individual monetary relief from the Released Parties resulting from such claims, regardless of whether Employee or another party has filed them, and in the event Employee obtains such
monetary relief, the Company will be entitled to an offset for the payments made pursuant to Section&nbsp;6 of the Employment Agreement (other than compensation pursuant to Section&nbsp;6(g) of the Employment Agreement, which shall be paid
regardless of this Agreement), except where such </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
limitations are prohibited as a matter of law (e.g., under the Sarbanes-Oxley Act of 2002, 18 U.S.C.A. &#167;&#167; 1514A). Please take notice that federal law provides criminal and civil
immunity to federal and state claims for trade secret misappropriation to individuals who&nbsp;disclose a trade secret to their attorney, a court, or a government official in certain, confidential circumstances that are set forth at 18 U.S.C.
&#167;&#167;&nbsp;1833(b)(1) and 1833(b)(2), related to the reporting or investigation of a suspected violation of the law, or in connection with a lawsuit for retaliation for reporting a suspected violation of the law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3.</B> <B><U>Restrictive Covenants</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Employee agrees to comply with the restrictive covenants and agreements set forth in the Restrictive Covenants Agreement between Employee
and Radian dated February&nbsp;8, 2017, and all other written restrictive covenants and agreements with the Company
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">containing&nbsp;non-competition,&nbsp;non-solicitation,&nbsp;confidentiality,</FONT></FONT> inventions
<FONT STYLE="white-space:nowrap">assignment,&nbsp;non-disparagement&nbsp;and</FONT> other restrictive covenants, including Paragraph 3(b) below (collectively, the &#147;<B><U>Restrictive Covenants</U></B>&#148;). Employee expressly acknowledges that
continuing to comply with the terms of the Restrictive Covenants is a material term of this Agreement. Employee acknowledges that in the event that Employee breaches any of the Restrictive Covenants, Radian shall be obligated to provide only the
Accrued Obligations (as defined in the Employment Agreement), and all other payments under Section&nbsp;6 of the Employment Agreement shall cease. In such event, Radian may require that the Executive repay all amounts theretofore paid to him
pursuant to Section&nbsp;6 of the Employment Agreement (other than the Accrued Obligations), and in such case, Employee shall promptly repay such amounts on the terms determined by Radian. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Employee agrees that Employee will not make or authorize any written or oral statements that are false or defamatory about the Company or
the Company&#146;s directors, officers or employees.&nbsp;This clause does not affect Employee&#146;s rights under Section&nbsp;2 (Permitted Conduct). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The Company agrees that it will not, and will instruct its directors and senior officers to not, make or authorize any written or oral
statements that are false or defamatory about the Executive. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding anything to the contrary herein or in the Restrictive
Covenants, nothing in this Agreement or in Restrictive Covenants is intended to limit the exercise of Employee&#146;s rights under Section&nbsp;7 of the National Labor Relations Act (&#147;NLRA&#148;), including communicating with others regarding
Employee&#146;s terms and conditions of employment. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>4.</B> <B><U>Controlling Law</U></B>.<B></B>&nbsp;This Agreement and all matters arising out of,
or relating to it, shall be governed by, and construed in accordance with, the laws of the Commonwealth of Pennsylvania, without regard to <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">conflict-of-law</FONT></FONT> principles.
Notwithstanding the foregoing, and for the avoidance of any doubt, if a Company benefit plan or other employment-related agreement provides in writing that it shall be governed by the laws of another state, then all matters arising out of, or
relating to, such benefit plan or other employment-related agreement shall be governed by, and construed in accordance with, the laws of the state designated in such benefit plan or other employment-related agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>5.</B> <B><U>Jurisdiction</U></B>.<B></B>&nbsp;Any action arising out of, or relating to, any of the
provisions of this Agreement shall be brought and prosecuted only in the United States District Court for the Eastern District of Pennsylvania, or if such court does not have jurisdiction or will not accept jurisdiction, in any court of general
jurisdiction in Philadelphia, Pennsylvania, and the jurisdiction of such court in any such proceeding shall be exclusive. Employee also irrevocably and unconditionally consents to the service of any process, pleadings, notices or other papers. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>6.</B> <B><U>Severability</U></B>.<B></B>&nbsp;If any provision of this Agreement is construed to be invalid, unlawful or unenforceable, then the remaining
provisions hereof shall not be affected thereby and shall be enforceable without regard thereto, except that, in the event the release in Paragraph 1 is held to be unlawful, invalid or unenforceable, any payments made pursuant to Section&nbsp;6 of
the Employment Agreement (other than the Accrued Obligations) shall be returned to the Company and no further consideration shall be due. If any covenant or agreement is held to be unenforceable because of the duration thereof or the scope thereof,
then the court making such determination shall have the power to reduce the duration and limit the scope thereof, and the covenant or agreement shall then be enforceable in its reduced form. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>7.</B> <B><U>ACKNOWLEDGEMENT</U></B>.<B></B>&nbsp;Employee hereby acknowledges that: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company advises Employee to consult with an attorney before signing this Agreement; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Employee has obtained independent legal advice from an attorney of Employee&#146;s own choice with respect to this Agreement or Employee
has knowingly and voluntarily chosen not to do so; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Employee freely, voluntarily and knowingly entered into this Agreement after due
consideration; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Employee had at least 21 days to review and consider this Agreement; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) If Employee knowingly and voluntarily chooses to do so, Employee may accept the terms of this Agreement on or after the date of
Employee&#146;s termination of employment but before the 21 day consideration period provided for above has expired; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) Employee is
signing this Agreement on or after the date of Employee&#146;s termination of employment; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) Employee has a right to revoke this
Agreement by notifying at the Company in writing within seven days of Employee&#146;s execution of this Agreement. Unless revoked, this Agreement will become effective on the eighth day following its execution (the &#147;<B><U>Effective
Date</U></B>&#148;); </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) Changes to this Agreement before its execution, whether material or immaterial, do not restart the consideration
period; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) In exchange for Employee&#146;s waivers, releases and commitments set forth herein,
including Employee&#146;s waiver and release of all claims arising under the ADEA and the OWBPA, the payments, benefits and other considerations that Employee is receiving pursuant to this Agreement exceed any payment, benefit or other thing of
value to which Employee would otherwise be entitled, and are just and sufficient consideration for the waivers, releases and commitments set forth herein; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) No promise or inducement has been offered to Employee, except as expressly set forth herein, and Employee is not relying upon any such
promise or inducement in entering into this Agreement; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) EMPLOYEE REPRESENTS THAT EMPLOYEE HAS READ THE TERMS OF THIS AGREEMENT,
THAT THIS AGREEMENT IS WRITTEN IN A MANNER THAT EMPLOYEE CAN UNDERSTAND AND THAT THE COMPANY HAS NOT MADE ANY REPRESENTATIONS CONCERNING THE TERMS OR EFFECTS OF THIS AGREEMENT OTHER THAN THOSE CONTAINED HEREIN. EMPLOYEE FREELY AND VOLUNTARILY AGREES
TO ALL THE TERMS AND CONDITIONS HEREOF, AND SIGNS THE SAME AS EMPLOYEE&#146;S OWN FREE ACT. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, and intending to be legally bound, the
Parties agree to the terms of this Agreement. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="44%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>

<TD VALIGN="bottom"></TD>
<TD WIDTH="5%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="44%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"><B>Radian Group Inc.</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Date:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Mary C. Dickerson</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Senior EVP, Chief People Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Date:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Richard G. Thornberry</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Exhibit A </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Upon signing the Agreement to which this Exhibit A is attached, Employee acknowledges and agrees that the Release extends to include, but is not limited to,
each of the following laws that may apply to Employee&#146;s applicable state of employment or that otherwise might apply to Employee&#146;s employment with the Company or the termination thereof (each to the extent applicable, and as amended from
time to time): </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Alabama</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Alabama Age Discrimination in Employment Act (AADEA), Unlawful Practices related to Opposition of Employer under <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Section&nbsp;25-1-28</FONT></FONT> of the Alabama
Code, including sexual harassment claims, Alabama Whistleblower Protection Law, Alabama Pay Equity Law, retaliatory or constructive discharge and for <FONT STYLE="white-space:nowrap">co-employer</FONT> liability under Sections <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">25-5-11</FONT></FONT> and <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">25-5-11.1</FONT></FONT> of the Alabama Code.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Alaska</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Alaska Human Rights Law, including age and sexual harassment claims, Alaska Family and Medical Leave Law, Alaska Occupational Safety and Health law, Alaska Uniform Contribution Among Tortfeasors Act, and any right to liquidated
damages arising out of or related to any failure by the Company to pay overtime compensation or other wages to Employee when due, as provided in the Alaska Wage and Hour Act and/or other Alaska wage payment laws.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Arizona</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Arizona Civil Rights Act, including age and sexual harassment claims; Arizona Employment Protection Act; Arizona Occupational Safety and Health Law; Arizona Right to Work Act, the Arizona Fair Wages and Healthy Families Act, the
Arizona Equal Pay Law, the Arizona Wage Payment laws, and the Arizona Drug Testing of Employees Act.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Arkansas</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Arkansas Civil Rights Act of 1993, including age and sexual harassment claims, Arkansas Equal Pay Law, Arkansas Minimum Wage Act, Arkansas Wage Payment Laws, and Arkansas Uniform Contribution Among Tortfeasors Act, the Arkansas
Genetic Information in the Workplace Act, the Arkansas Voting Leave Law, the Arkansas Jury Duty Law, the Arkansas Law On Leave For Public Service, the Arkansas Military Service Protection Act, the Arkansas Bone Marrow/Organ Donation Leave Law, the
Arkansas Crime Victim Leave Law, the Arkansas Wage Payment and Work Hour Laws.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Colorado</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Colorado Anti-Discrimination Act, including age and sexual harassment claims, Colorado Equal Pay for Equal Work Act, Colorado Law Prohibiting Discrimination by Labor Organization, Colorado&#146;s whistleblower protections for
private enterprise employees (Colo. Rev. Stat. Ann. &#167;&#167; <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">24-114-101</FONT></FONT> et seq.) (if applicable), Colorado Maternity Leave Law, Colorado Healthy Families and
Workplaces, Colorado Minimum Wage Law, Colorado Minimum Wage Order No.&nbsp;32, and Colorado Labor Peace Act.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Connecticut</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Connecticut Fair Employment Practices Act, including age and sexual harassment claims; Connecticut Human Rights and Opportunities Act, including age and sexual harassment claims, Connecticut Family and Medical Leave Law; Connecticut
General Statute Paid Sick Leave; Connecticut Whistleblower Law; Connecticut Free Speech Law; Connecticut WARN Law; Connecticut Human Rights and Opportunities Act; Connecticut Minimum Wage and Overtime Law; Connecticut Equal Pay Law; the
anti-retaliation provision of the Connecticut Workers&#146; Compensation Act; and Connecticut Maximum Hours and Overtime Law, as amended; provided, however, that nothing in this agreement shall be construed as a release of disputed wages as a
condition to receive wages conceded to be due.</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Delaware</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Delaware Discrimination in Employment Act, including age and sexual harassment claims, the Delaware Handicapped Persons Employment Protection Act, the Delaware Persons With Disabilities Employment Protections Act, the Delaware
Whistleblower&#146;s Protection Act, the Delaware Wage Payment and Collection Act, the Delaware Fair Employment Practices Act, provided, however, that nothing in this agreement shall be construed as a requirement for or condition to any payment due
under the Wage Payment and Collection Act.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">D.C.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">D.C.&#146;s Human Rights Act, including age and sexual harassment claims, District of Columbia&#146;s prohibition of discrimination based on use of tobacco (D.C. Code Ann. &#167; <FONT STYLE="white-space:nowrap">7-1703.03),</FONT>
D.C.&#146;s whistleblower protections for employees of D.C. contractors (D.C. Code Ann. &#167;&#167; <FONT STYLE="white-space:nowrap">2-223.01</FONT> &#150; <FONT STYLE="white-space:nowrap">2-223.07)</FONT> (if applicable), D.C. Family and Medical
Leave Act, D.C. Parental Leave Act, D.C. Employee Sick Leave Provision of Paid Leave, D.C. Displaced Workers Protection Act, District of Columbia Wage Discrimination Act, and denial of rights under or retaliation in violation of the D.C. Accrued
Sick and Safe Leave Act (D.C. Code Ann. &#167;&#167; <FONT STYLE="white-space:nowrap">32-131.01</FONT> &#150; <FONT STYLE="white-space:nowrap">32-131.17),</FONT> the District of Columbia Earned Sick&nbsp;&amp; Safe Leave Amendment Act of 2013, the
District of Columbia whistleblower protections for employees of D.C. contractors (D.C. Code Ann. &#167;&#167; <FONT STYLE="white-space:nowrap">2-223.01</FONT> &#150; <FONT STYLE="white-space:nowrap">2-223.07)</FONT> (if applicable), the District of
Columbia&#146;s Wage Garnishment Fairness Amendment Act of 2018, the District of Columbia&#146;s Tipped Wage Workers Fairness Act of 2018, the District of Columbia Universal Paid Leave Amendment Act of 2016.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Florida</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Florida Civil Rights Act, including age and sexual harassment claims, Florida Omnibus AIDS Act, Florida Wage Discrimination Law, Florida Discrimination against Education Employees, Florida Discrimination Against Military Personnel,
retaliation provision of Florida Workers Compensation Act (Fla. Stat. Ann. &#167; 440.205), the Florida Discrimination on the basis of Sickle Cell Trait Law, the Folrida Equal Pay Act, Florida Fair Housing Act, Florida Private Sector
Whistleblower&#146;s Act, Florida minimum wage and wage payment laws, Fla. Const. art. X, &#167; 24, and retaliation provision of the Florida False Claims Act (Fla. Stat. Ann. &#167; 68.088).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Georgia</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Georgia Fair Employment Practices Act including age and sexual harassment claims; Georgia Equal Pay Act, as amended; the Georgia Age Discrimination in Employment Law; the Georgia Equal Employment for Persons with Disabilities Code;
the Georgia Right to Arbitration for Sex Discrimination Claims; and claims arising under the Georgia Constitution.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Hawaii</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Hawaii Fair Employment Practices Act, including age and sexual harassment claims, the Hawaii Discriminatory Practices Law, the Hawaii Equal Pay Act, The Hawaii False Claims Act, the Hawaii Civil Rights Act, the Hawaii
Whistleblowers&#146; Protection Act, the Hawaii Dislocated Workers Law, the Hawaii Family Leave Law, and the Hawaii Occupational Safety and Health Law (HIOSH), and the Hawaii Constitution.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Idaho</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Idaho Fair Employment Practices Act, including age and sexual harassment claims; Idaho Civil Rights Law; Idaho Human Rights Act; Idaho Equal Pay Law; Idaho Minimum Wage Law; and Idaho Wage Payment Law.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Illinois</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Illinois Human Rights Act, including age and sexual harassment claims, Illinois Equal Pay Act of 2003, Illinois Equal Wage Act, Illinois Wages for Women and Minors Act, Illinois Religious Freedom Restoration Act, Illinois Equal Pay
Act, Illinois Whistleblower Act, Illinois Family Military Leave Act, Illinois Nursing Mothers in the Workplace Act, Illinois WARN Act, Illinois Right to Privacy in the Workplace Act, Illinois Union Employee Health and Benefits Protection Act,
Illinois Employment Contract Act, Illinois Labor Dispute Act, Illinois Victims&#146; Economic Security and Safety Act, the Illinois Workplace Transparency Act, the Illinois Biometric Privacy Act, the Cook County Human Rights Ordinance, the Chicago
Human Rights Ordinance, Illinois Minimum Wage Law, Illinois Wage Payment and Collection Act and the Illinois Constitution.</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Indiana</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Indiana Civil Rights Act, including age and sexual harassment claims, Indiana Age Discrimination Law, Indiana Employment Discrimination Against Disabled Persons Law, Indiana Equal Pay Law, Indiana laws related to Military Leave and <FONT
STYLE="white-space:nowrap">Re-Employment</FONT> Rights (Ind. Code Ann. &#167; <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">10-16-7-1</FONT></FONT></FONT> et seq. &amp; <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">10-17-4-1</FONT></FONT></FONT> et seq.), The Indiana Military Laeave/Family Leave Act, the Indiana Blacklisting Statute, Indiana Off Duty Use of Tobacco by
Employees Law, Indiana&#146;s whistleblower protections for employees of private employer that is under public contract (Ind. Code Ann. &#167;
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">22-5-3-3)</FONT></FONT></FONT> (if applicable), Indiana Military Family Leave Act, Indiana Minimum Wage Law, Indiana Wage Payment and Wage Claims Act,
Indiana Occupational Safety and Health Law, and Indiana Blacklisting Statute, the Indiana Wage Discrimination Law, and the Indiana False Claims and Whistleblower Protection Statute.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Iowa</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Iowa Civil Rights Act of 1965, including age and sexual harassment claims, the Iowa Military <FONT STYLE="white-space:nowrap">Leave/Re-Employment</FONT> Rights statute, Iowa law related to Military
<FONT STYLE="white-space:nowrap">Leave/Re-Employment</FONT> Rights (Iowa Code &#167; 29A.43), Iowa Minimum Wage Law, Iowa Wage Payment Collection Law, and Iowa WARN Act (aka Iowa Layoff Notification Law) and the Iowa False Claims Act.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Kansas</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Kansas Act Against Discrimination, including age and sexual harassment claims, Kansas Equal Pay Law, Kansas Age Discrimination in Employment Act, Kansas Discrimination Against Military Personnel Act, Kansas Discrimination Against
Victims of Domestic Violence or Sexual Assault Act, Kansas&#146; whistleblower protection laws (including Kan. Stat. Ann. &#167;&#167; <FONT STYLE="white-space:nowrap">39-1403,</FONT> <FONT STYLE="white-space:nowrap">39-1432,</FONT> <FONT
STYLE="white-space:nowrap">44-615</FONT> &amp; <FONT STYLE="white-space:nowrap">44-636),</FONT> Kansas Minimum Wage and Maximum Hours Law, and Kansas WARN Act, and the Kansas wage payment statutes.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Kentucky</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Kentucky Civil Rights Act, including age and sexual harassment claims, Kentucky Equal Opportunities Act, Kentucky Wage Discrimination Because of Sex Law, Kentucky law regarding military leave and
<FONT STYLE="white-space:nowrap">re-employment</FONT> rights (Ky. Rev. Stat. Ann. &#167; 38.238), Kentucky Equal Pay Act, Kentucky Adoption Leave Law/ Kentucky Leave of Absence to Adopt a Child Law, Kentucky Minimum Wage Law, Kentucky Occupational
Safety and Health Law, and retaliation provision of Kentucky Workers&#146; Compensation Act (Ky. Rev. Stat. Ann. &#167; 342.197).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Louisiana</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Louisiana Employment Discrimination Law, including age and sexual harassment claims, The Louisiana Whistleblower Protection Law, Louisiana&#146;s whistleblower protection laws (including La. Stat. Ann. &#167;&#167; 23:964, 23:967,
30:2027 &amp; 40:2009.17), Louisiana Family and Medical Leave Laws, Louisiana Payment of Employees law, retaliation provision of Louisiana Workers&#146; Compensation Act, and Louisiana&#146;s general tort provision (La. Civ. Code art. 2315),the
Louisiana Maternity Leave Law, the Louisiana Wage Payment Law, the Louisiana Constitution, and the Civil Code of the State of Louisiana.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Maine</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Maine Human Rights Act, including age and sexual harassment claims, Maine Equal Pay Law, Maine Civil Rights Act, Maine Protection From Harassment Law, Maine Sexual Harassment Policies Law, Maine Whistleblowers&#146; Protection Act,
Maine Family Medical Leave Act, Maine Family Sick Leave Law, Maine Labor and Industry Earned Paid Leave, Maine Wage Law, and Maine WARN Laws, and Maine Family Care Act.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Maryland</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Maryland&#146;s anti-discrimination statute (Md. Code Ann., State Gov&#146;t &#167;&#167; <FONT STYLE="white-space:nowrap">20-101</FONT> &#150; <FONT STYLE="white-space:nowrap">20-1203),</FONT> Maryland Flexible Leave Act, Maryland
Fair Employment Practices Act, including age and sexual harassment claims, Maryland Reasonable Accommodations for Disabilities Due to Pregnancy Act, Maryland Deployment of Family Members in the Armed Forces Act, Maryland Equal Pay For Equal Work
Law, Maryland Medical Information Discrimination Law, Maryland Maternity Leave Law (Maryland Flexible Leave Act), Maryland Healthy Working Families Act, Maryland Wage Payment and Collection Law, Maryland Wage and Hour Law, Maryland WARN Laws, and
Maryland Occupational Safety and Health Act.</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Massachusetts</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Massachusetts Law Prohibiting Unlawful Discrimination, Massachusetts Equal Pay Act, except for claims that cannot be waived related to inquiry or discussion of wages, Massachusetts Right to be Free from Sexual Harassment Law,
Massachusetts Age Discrimination Law, Massachusetts Equal Rights Law, Massachusetts Equal Rights for the Elderly and Disabled Law, Massachusetts Civil Rights Act, Massachusetts False Claims Act, the Massachusetts Small Necessities Leave Act,
Massachusetts Family and Medical Leave Laws and Small Necessities Act, Massachusetts Earned Sick Time, the Massachusetts Fair Employment Practices Act, the Massachusetts False Claims Act, the Massachusetts Labor and Industries Act (Massachusetts
right of privacy law), the Massachusetts Maternity Leave Act, the Massachusetts Earned Sick Time, and the Massachusetts labor and industry privacy law. By signing this agreement, you are acknowledging that this waiver includes any future claims
against the Company under Mass. Gen. Laws ch. 149, &#167; 148 - the Massachusetts Wage Act. These claims include, but are not limited to, failure to pay earned wages, failure to pay overtime, failure to pay earned commissions, failure to timely pay
wages, failure to pay accrued vacation or holiday pay, failure to furnish appropriate pay stubs, claims for improper wage deductions, and claims for failing to provide proper check-cashing facilities.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Michigan</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Elliott-Larsen Civil Rights Act, including age and sexual harassment claims, Michigan Persons With Disabilities Civil Rights Act, Michigan Equal Pay Law, Michigan Whistleblower&#146;s Protection Act, Michigan Paid Medical Leave Act,
Michigan Minimum Wage Law of 1964, Michigan Payment of Wages and Fringe Benefits Law, Sales Representatives Commission Act, if applicable, Michigan WARN Laws, Bullard-Plawecki Employee Right to Know Act, Social Security Number Privacy Act, ;
Internet Privacy Protection Act, Michigan Occupational Safety and Health Act, and the Michigan Internet Privacy Protection Act.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Minnesota</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Minnesota Human Rights Act, including sexual harassment claims, Minnesota Equal Pay for Equal Work Law, Minnesota Age Discrimination Statute,
Minnesota Nonwork Activities Law, Minnesota Whistleblower Protection Law, Minnesota Parenting Leave Act, Minnesota Wage Law, Minnesota WARN Laws, Minnesota Personnel Record Access Laws, Retaliation provision of Minnesota Workers&#146; Compensation
Act, the Minnesota health care worker whistleblower protection laws, and the Minnesota Family Leave Law.</P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>Minneapolis, MN</U></P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Minnesota Human Rights Act, the Minnesota Equal Pay for Equal Work Law, the Minnesota Age Discrimination Statute, the Minnesota Termination of Sales
Representatives Act, the Minnesota Nonwork Activities Law, the Minnesota Whistleblower Law, the Minnesota Pregnancy and Parental Leave Law, Minnesota WARN Laws, the Minnesota Personnel Record Review and Access Act, the retaliation provision of
Minnesota Workers&#146; Compensation Act, and the Minnesota Constitution, all as amended.</P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Notwithstanding any conflicting terms of the Agreement (if applicable), if Employee was employed by the Company in Minnesota, then with respect to claims under
the Minnesota Human Rights Act, Employee is provided fifteen calendar days after signing this Agreement to revoke it. To be effective, this revocation must be in writing and either (a)&nbsp;hand-delivered to the Company within fifteen calendar days
of signing; or (b)&nbsp;sent by certified mail, return receipt requested, to the Company with a postmark within fifteen calendar days of signing. If this Agreement is revoked, Employee will not be entitled to the severance pay and benefits described
by the Agreement.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Mississippi</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Age and sexual harassment claims under Mississippi law, Mississippi Employment Protection Act, Military <FONT STYLE="white-space:nowrap">Leave/Re-Employment</FONT> Rights statute, Mississippi Wage Law.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Missouri</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">The Missouri Fair Employment Practices Act, Missouri Human Rights Act, including age and sexual harassment claims, the Missouri Equal Pay for Women Act, Missouri Minimum Wage Law, Missouri Wage Payment Law, Missouri Service Letter
statute.</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Montana</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Montana Human Rights Act, including age and sexual harassment claims, Montana Code, Montana Equal Pay Law, Wrongful Discharge from Employment
Act, , Montana Maternity Leave Act, Montana Wage Payment Law, Montana Minimum Wage and Overtime Compensation Act, Montana Limitation on Hours for Certain Employees, if applicable, Montana Blacklisting Statutes.</P>
<P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Employee further agrees that Employee&#146;s termination was for good cause as defined
by Montana law (Mont. Code Ann. &#167; <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">39-2-903).</FONT></FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Nebraska</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Nebraska Fair Employment Practices Act, including sexual harassment claims, Nebraska Age Discrimination in Employment Act, Nebraska Equal Pay Law, Nebraska laws against discrimination of military personnel, Nebraska AIDS
Discrimination Act; Nebraska Genetic Information and Testing Law, Whistleblower&#151;Private Employer, Nebraska Family Military Leave Act, Nebraska Wage and Hour Act and waivable claims under the Nebraska Wage Payment and Collection Act.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Nevada</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Nevada Fair Employment Practices Act, (codified in Nevada Revised Statutes Chapter 613.310, et. seq.)including age and sexual harassment claims, claims related to false pretenses, blacklisting, grafting, kickbacks or lie detectors
under Nevada laws Sections 613.010, 613.210, 613.110, 613.120 and 613.440 &#150; 613.510; Nevada Paid Leave, the Nevada Constitution, Nevada Occupational Safety and Health Act, Nevada Pregnant Workers&#146; Fairness Act, the Nevada Nursing
Mother&#146;s Accommodation Act, the Nevada wage laws (codified in Nevada Revised Statues Chapter 608, et. seq.).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">New&nbsp;Hampshire</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">New Hampshire Law Against Discrimination, including age and sexual harassment claims, New Hampshire Whistleblowers&#146; Protection Act, New Hampshire Minimum Wage Act, New Hampshire Unemployment Compensation Law, Prohibition
Against Discrimination Law, New Hampshire&#146;s Uniform Trade Secrets Act, New Hampshire Safety and Health of Employees Law, <FONT STYLE="white-space:nowrap">Non-Compete</FONT> and <FONT STYLE="white-space:nowrap">Non-Piracy</FONT> Agreements
section of the New Hampshire Protective Legislation Law, except as prohibited by law, the New Hampshire Dog and Horse Racing law, if applicable.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">New Jersey</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New Jersey Law Against Discrimination, including age and sexual harassment claims, New Jersey Equal Pay Act, New Jersey Civil Rights Law, New
Jersey Security and Financial Empowerment Act; New Jersey Conscientious Employee Protection Act, New Jersey Family Leave Act, New Jersey Earned Sick Leave, New Jersey Wage and Hour Law, New Jersey WARN Laws:the New Jersey Millville Dallas Airmotive
Plant Job Loss Notification Act (a/k/a the New Jersey WARN Act), Retaliation provisions of New Jersey Workers&#146; Compensation Law, New Jersey Discrimination in Wages Law, New Jersey Temporary Disability Benefits and Family Leave Insurance Law,
New Jersey Domestic Partnership Act, the New Jersey Wage Payment Law, the New Jersey Wage Theft Law, the New Jersey Occupational Safety and Health Law, the New Jersey False Claims Act, the New Jersey Smokers&#146; Rights Law, the New Jersey Genetic
Privacy Act, the New Jersey Fair Credit Reporting Act, the New Jersey Emergency Responder Leave Law, the New Jersey Compassionate Use Medical Cannabis Act, and the New Jersey Secure Choice Savings Program.</P>
<P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Nothing in the Agreement should be construed as having the purpose or effect of
concealing details relating to a claim of discrimination, retaliation, or harassment. Although the parties may have agreed to keep the underlying facts and the resolution of the claim confidential, such a provision in an agreement is unenforceable
against the Company if Employee publicly reveals sufficient details of the claim so that the Company is reasonably identifiable.</P></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">22 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">New Mexico</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">New Mexico Human Rights Act, including age and sexual harassment claims, New Mexico Reemployment of Persons in Armed Forces Act, New Mexico Fraud Against Taxpayers Act, New Mexico Promoting Financial Independence of Domestic
Violence Victims Act, New Mexico Employee Privacy Act, the New Mexico Caregiver Leave Act, and the New Mexico Criminal Offender Employment Act.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">New&nbsp;York</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">New York State Human Rights Law, including age and sexual harassment claims, New York Equal Pay Law, New York State Civil Rights Law, New York <FONT STYLE="white-space:nowrap">Off-duty</FONT> Conduct Lawful Activities Discrimination
Law, New York State Labor Relations Act, the New York State Corrections Law (including Article <FONT STYLE="white-space:nowrap">23-A),</FONT> New York Whistleblower Statute, New York Paid Family Leave Law, New York Sick Leave Law, New York Minimum
Wage Act, New York Wage and Hour Law, New York Wage Hour and Wage Payment Law, New York State Worker Adjustment and Retraining Notification Act (New York WARN Laws), retaliation provisions of New York Workers&#146; Compensation Law, and the New York
State Executive Law (including its Human Rights Law and all amendments thereto), the New York City Administrative Code (including its Human Rights Law and all amendments thereto), the New York Equal Rights Law, the New York State Employment
Relations Act, the New York Labor Law (including any applicable regulations and/or wage orders), , the New York State Paid Sick Leave Law, the New York City Earned Sick Time Act, the New York City Fair Workweek Law, the New York State False Claims
Act, the New York State Rights of Persons with Disabilities Law, the New York State Nondiscrimination Against Genetic Disorders Law, the New York State Smokers&#146; Rights Law, the New York AIDS Testing Confidentiality Act, the New York Genetic
Testing Confidentiality Law, the New York Discrimination by Employment Agencies Law, the New York Bone Marrow Leave Law, the New York Adoptive Parents Child Care Leave Law, the New York State Constitution, the New York City Charter.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">North&nbsp;Carolina</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">North Carolina Equal Employment Practices Act, including age and sexual harassment claims, North Carolina Persons with Disabilities Protection Act, North Carolina Civil Rights Law, North Carolina Lawful Products Use Law, North
Carolina Hemoglobin/Genetic Information Anti-Discrimination Law, North Carolina Retaliatory Employment Discrimination Act, North Carolina Leave for Parent Involvement in Schools Law.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">North Dakota</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">North Dakota Human Rights Act, including sexual harassment claims, North Dakota Equal Pay Law, North Dakota Age Discrimination Law, North Dakota Whistleblower Law, North Dakota Wage and Hour Law, North Dakota Wage Collection
Law.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Ohio</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Ohio Civil Rights Act, including age and sexual harassment claims, the Ohio Equal Pay Act, Ohio Whistleblowers&#146; Protection Statute, Ohio Pregnancy Discrimination/Maternity Leave Act, Ohio Wage Payment Law, Ohio Minimum Fair
Wage Standards Act, Ohio Miscellaneous Labor Provisions, Ohio Workers&#146; Compensation Retaliation Law, and the Ohio Constitution.</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">23 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Oklahoma</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Oklahoma Anti-Discrimination Act, including age and sexual harassment claims, Oklahoma Discriminatory Wages Law, Oklahoma Genetic
Nondiscrimination in Employment Act, Oklahoma&#146;s general Anti-Retaliation Law, Oklahoma Law Governing Wages and Working Conditions, Oklahoma Minimum Wage Act, the Retaliation and Discrimination provision of the Oklahoma Administrative
Workers&#146; Compensation Act, Standards for Workplace Drug and Alcohol Testing Act, and Oklahoma&#146;s Whistleblower Protection Act.</P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Employee further acknowledges that this waiver is not a restraint as contemplated by Okla. Stat. Ann. tit. 40, &#167; 199(B)(2).</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Oregon</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Oregon Anti-Discrimination Law, including age and sexual harassment claims; Oregon Fair Employment Practices Act; Oregon Equal Pay Law; Oregon Unlawful Discrimination Against Persons with Disabilities Law; Oregon Genetic Screening
Law; Oregon Unlawful Discrimination Against Injured Workers Law; Oregon Unlawful Discrimination for Service in Uniformed Service Law; Oregon Leave of Absence for State Service Law; Oregon Military Family Leave Act, Oregon Sick Leave, Oregon
Whistleblower Law; Oregon Initiating or Aiding Administrative, Criminal, or Civil Proceeding Law; Oregon Family Leave Act; Oregon Hours of Labor and Wage Payment Law; Oregon Minimum Wage Law; Oregon WARN Act, The Oregon Workplace Fairness Law, the
Oregon Equality Act, the Oregon Genetic Privacy Laws, and the Oregon Constitution.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Pennsylvania</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Pennsylvania Human Relations Act, including age and sexual harassment claims; Pennsylvania Equal Pay Law; Pennsylvania Whistleblower Law, if applicable; the Pennsylvania Pregnancy, Childbirth and Childrearing Law; if applicable, the
Pennsylvania Wage Payment Collection Act, the Pennsylvania Pregnancy Guidelines of the Pennsylvania Human Relations Commission, Pennsylvania Minimum Wage Law, except as prohibited by law, the Pennsylvania Medical Marijuana Act, the Philadelphia Fair
Workweek employment Standards Ordinance, the Philadelphia Fair Practices Ordinance.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Rhode Island</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Rhode Island Fair Employment Practices Act, including age and sexual harassment claims, Rhode Island Civil Rights Act, Rhode Island Equal Pay Law, Rhode Island Civil Rights of People with Disabilities Act, Rhode Island
Discrimination Based on Genetic Testing Law, Rhode Island AIDS Discrimination Law, Employment Discrimination provision of Rhode Island Victim&#146;s Bill of Rights, Rhode Island Military Family Relief Act and acknowledge that this waiver is not a
restraint as contemplated by 30 R.I. Gen. Laws Ann. &#167; <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">30-33-5(a),</FONT></FONT> Rhode Island Whistleblowers&#146; Protection Act, the Rhode Island Parental and Family Medical
Leave Act and acknowledge that this waiver is not a restraint as contemplated by 28 R.I. Gen. Laws Ann. &#167; <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">28-48-5,</FONT></FONT> Rhode Island Minimum Wage Act, Rhode Island Wage
Payment Law, Rhode Island Hazardous Substances <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Right-to-Know</FONT></FONT> Act.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">South Carolina</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">South Carolina Human Affairs Law, including age and sexual harassment claims, South Carolina Bill of Rights for Handicapped Persons Law, South Carolina Military Reemployment Rights Law, South Carolina&#146;s Unlawful Discrimination
Against Union Members Law, Violations of <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Section&nbsp;53-1-110</FONT></FONT> of the South Carolina Code, South Carolina Whistleblower Law, Retaliation provision of South Carolina
Workers&#146; Compensation Law, Wrongful Termination Provision of the South Carolina Consumer Protection Code, South Carolina&#146;s Unlawful Termination of an Employee Replaced by an Authorized Alien Law, South Carolina&#146;s Wrongful Demotion or
Termination of an Employee for Complying with a Subpoena or Serving on a Jury Law, South Carolina&#146;s Personnel Action Based on Use of Tobacco Products Outside of Workplace Prohibited Law.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">South Dakota</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">South Dakota Human Relations Act of 1972, including age and sexual harassment claims, as amended; South Dakota Equal Pay Law; the Genetic Information Bias Law; the South Dakota Wage Retaliation Law; South Dakota Minimum Wage
Law.</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">24 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Tennessee</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Tennessee Human Rights Act, including age and sexual harassment claims, as amended; Tennessee Equal Pay Law; Tennessee Disability Act; Tennessee Leave for Adoption, Pregnancy, Childbirth and Infant Nursing Law; the Tennessee Wage
Law, Tennessee Wage Regulations for employees who received tips; Tennessee Wage Protection Act; Tennessee WARN Act; Tennessee Occupational Safety and Health Act, The Tennessee Fair Employment Practices Law, as amended, the Tennessee Equal Pay Law,
the Tennessee Public Protection Act, the Tennessee Family Leave Act, and the Tennessee Human Rights Act.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Texas</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">The Texas Labor Code (specifically including the Texas Payday Act, the Texas Anti-Retaliation Act, Chapter 21 of the Texas Labor Code, including age and sexual harassment claims; Texas Disability Discrimination Law, as amended;
Texas Payday Law; Texas Equal Pay Law; Texas Minimum Wage Act, the Texas Whistleblower Act, Chapter 121 of the Texas Human Resource Code, the Texas Health&nbsp;&amp; Safety Code, the Texas Deceptive Trade Practices Act.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Utah</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Utah Anti-Discrimination Act, including age and sexual harassment claims, as amended; Genetic Testing Privacy Act; Utah Minimum Wage Act; Utah Occupational Safety and Health Act; Employment Relations and Collective Bargaining Act;
Utah Right to Work Law; Utah Drug and Alcohol Testing Act; Utah Protection of Activities in Private Vehicles Act; the Employment Selection Procedures Act; Utah&#146;s Local Government Entity/Drug-Free Workplace Policies Act, the Utah Labor Relations
Act, and the Utah Constitution.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Vermont</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Vermont Fair Employment Practices Act, including age and sexual harassment claims; Vermont Genetic Testing Discrimination Law; Vermont Whistleblower Laws related to fair employment, occupational safety and patient health care;
Vermont Parental and Family Leave Act; Vermont Earned Sick Time; Vermont Occupational Safety and Health Act; Vermont Minimum Wage Law; and Vermont Wage Law.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Virginia</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Virginia Human Rights Act, including age and sexual harassment claims, Virginians with Disabilities Act, Virginia Equal Pay Act, Virginia Genetic Testing Law, Virginia
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Right-to-Work</FONT></FONT> Law, Virginia Equal Pay Law, Virginia Occupational Safety and Health Act, Virginia Fraud Against Taxpayers Act, the Virginia Minimum Wage Act, except as
prohibited by law, the Virginia Payment of Wage Law, except as prohibited by law, and, as applicable, the Fairfax Human Rights Ordinance, Code of Fairfax County &#167;&#167;
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">11-1-1</FONT></FONT> et seq., the Human Rights Code of the City of Alexandria, Alexandria City Code &#167;
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">12-4-1,</FONT></FONT> the Arlington Human Rights Ordinance, Arlington County Code &#167;&#167; <FONT STYLE="white-space:nowrap">31-1</FONT> et seq.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Washington</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Washington State Law Against Discrimination; the Washington Equal Pay and Opportunities Act, Washington Equal Pay Law, as amended; Washington Sex Discrimination Law, including sexual harassment claims; Washington Age Discrimination
Law; Washington Genetic Testing Protection Law; Washington Whistleblower Protection Laws with regard to human rights claims, violations of occupational safety and health laws, wage claims and insurance claims; Washington Family Care Act; Washington
Family Leave Act; Washington Employer Notification and Reporting to Employees; Washington Minimum Wage Act; Washington Wage, Hour, and Working Conditions Law; Washington Wage Payment Law; Washington Industrial Welfare Act, the Washington Paid Sick
Leave Act, the Washington Minimum Wage Requirements and Labor Standards Act, Title 49 of the Revised Code of Washington,, the Washington Fair Chance Act, the Washington Constitution.</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">25 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">West&nbsp;Virginia</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">West Virginia Human Rights Act, including age and sexual harassment claims, West Virginia Equal Pay Act, West Virginia&#146;s prohibition
against discrimination for use of tobacco products, West Virginia&#146;s prohibition against discrimination for jury duty summons, West Virginia Parental Leave Act, West Virginia Minimum Wage Law, Retaliation provisions of West Virginia
Workers&#146; Compensation Act, Retaliation provision of Consumer Credit and Protection Act.</P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">In signing this Agreement, Employee acknowledges that Employee was given at least 21 days in which to consider the Agreement, and had a <FONT
STYLE="white-space:nowrap">7-day</FONT> revocation period under <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Section&nbsp;77-6-1.1</FONT></FONT> &#150;
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">77-6-8.1</FONT></FONT> of West Virginia&#146;s Human Rights Commission Bias Rules.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Wisconsin</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Wisconsin Fair Employment Act, including age and sexual harassment claims, as amended; Wisconsin AIDS Testing Discrimination Law; Wisconsin Personnel Records Statute; Wisconsin Family and Medical Leave Act; Wisconsin Minimum Wage
Law; Wisconsin Wage Payments, Claims and Collections Law; Wisconsin WARN Act; Wisconsin Cessation of Health Care Benefits Law; Wisconsin Employment Peace Act.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Wyoming</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Wyoming Fair Employment Practices Act, including age and sexual harassment claims; Wyoming Equal Pay Law; Wyoming Whistleblower Act; and Wyoming Minimum Wage Law; Wyoming Occupational Health and Safety Act.</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">26 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Exhibit B </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Restrictive Covenants Agreement </U></B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">27 </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.3
<SEQUENCE>3
<FILENAME>d663033dex103.htm
<DESCRIPTION>EX-10.3
<TEXT>
<HTML><HEAD>
<TITLE>EX-10.3</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 10.3 </B></P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>RADIAN GROUP INC. </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>2021
EQUITY COMPENSATION PLAN </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U><FONT STYLE="white-space:nowrap">ONE-TIME</FONT> OUTPERFORMANCE GRANT </U></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>RESTRICTED STOCK UNIT GRANT </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>TERMS AND CONDITIONS </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">These represent the Terms and Conditions (<B><U>&#147;Terms and Conditions&#148;</U></B>)<B> </B>of the
<FONT STYLE="white-space:nowrap">One-Time</FONT> Special Performance-Based Restricted Stock Unit Grant <FONT STYLE="white-space:nowrap">(&#147;One-Time</FONT> Outperformance Grant&#148;) of Special Performance-Based Restricted Stock Units
(&#147;Restricted Stock Units&#148;) made as of August 9, 2023 (the <B>&#147;<U>Grant Date</U>&#148;), </B>by Radian Group Inc., a Delaware corporation (the <B>&#147;<U>Company</U>&#148;), </B>to Richard G. Thornberry, an employee of the Company
(the <B>&#147;<U>Grantee</U>&#148;).</B> </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>RECITALS </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS, </B>the Radian Group Inc. 2021 Equity Compensation Plan (the &#147;<B><U>Plan</U></B>&#148;)<B> </B>permits the grant of
Restricted Stock Units in accordance with the terms and provisions of the Plan; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS, </B>the Company desires to grant these
Restricted Stock Units to the Grantee, and the Grantee desires to accept such Restricted Stock Units, on the terms and conditions set forth herein and in the Plan; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS, </B>the Restricted Stock Units granted pursuant to these Terms and Conditions shall vest based on the attainment of Performance
Metrics (as defined below) and continued employment; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS,</B> this <FONT STYLE="white-space:nowrap">One-Time</FONT> Outperformance
Grant is intended to reward Grantee for outperformance in the creation of stockholder value and as an incentive for Grantee to enter into an extended term employment agreement pursuant to Amendment <FONT STYLE="white-space:nowrap">2023-1,</FONT>
dated July&nbsp;1, 2023, to the Employment Agreement with Grantee dated November&nbsp;19, 2019 and amended as of March&nbsp;26, 2021 (as amended and restated, the &#147;<B><U>Employment Agreement</U></B>&#148;); and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS, </B>the applicable provisions of the Plan are incorporated into these Terms and Conditions by reference, including the definitions
of terms contained in the Plan (unless such terms are otherwise defined herein). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>NOW, THEREFORE, </B>the parties hereto, intending to
be legally bound hereby, agree as follows: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1. <B><U>Grant of Restricted Stock Units.</U> </B>The Company hereby awards to the Grantee 350,000 Restricted
Stock Units (hereinafter, the <B>&#147;<U>Target Award</U>&#148;), </B>subject to the vesting and other conditions of these Terms and Conditions. Payment of the Restricted Stock Units will be based on performance against the metrics set forth in
Schedule A (the <B>&#147;<U>Performance Metrics</U>&#148;) </B>and, except as otherwise provided herein, continued employment. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>2. <U>Vesting</U>. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B><U>General Vesting Terms</U></B><B>.</B><B> </B>Except as set forth in Sections 2(d) and 2(e) below, the Grantee shall vest in a number
of Restricted Stock Units with respect to the Target Award based on performance against the Performance Metrics as of the end of the performance period, provided that, except as set forth in Section&nbsp;2(c) below, the Grantee remains employed by
the Company or an Affiliate through December&nbsp;31, 2026 (the <B>&#147;</B><B><U>Vesting Date</U></B><B>&#148;).</B><B> </B>The performance period is the period beginning on July 1, 2023 (<B>&#147;</B><B><U>Measurement Date</U></B><B>&#148;)</B>
and ending on December 31, 2026 (the <B>&#147;</B><B><U>Performance</U> Period</B><B>&#148;</B><B>).</B><B> </B>Except as specifically provided below in this Section&nbsp;2, no Restricted Stock Units will vest for any reason prior to the Vesting
Date, and in the event of a termination of the Grantee&#146;s employment prior to the Vesting Date, the Grantee will forfeit to the Company all Restricted Stock Units that have not yet vested as of the termination date. Except for those Restricted
Stock Units that may vest earlier as provided in Sections 2(d) and 2(e) below, any Restricted Stock Units that have not vested at the end of the Performance Period will be immediately forfeited. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B><U>Voluntary Termination</U>.</B> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) If the Grantee voluntarily terminates employment prior to the Vesting Date, including in connection with Grantee&#146;s Retirement, the
Grantee will forfeit the Restricted Stock Units upon termination of employment. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) For purposes of these Terms and Conditions,
<B>&#147;<U>Retirement</U>&#148; </B>shall mean the Grantee&#146;s voluntary separation from service from the Company and its Affiliates (A)&nbsp;following the Grantee&#146;s attainment of age 65 and completion of five years of service with the
Company or an Affiliate, or (B)&nbsp;following the Grantee&#146;s attainment of age 55 and completion of 10 years of service with the Company or an Affiliate. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii) For purposes of these Terms and Conditions, <B>&#147;<U>Cause</U>&#148;</B> shall have the meaning ascribed to the term in the
Employment Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B><U>Involuntary Termination.</U></B> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Except as provided in Sections 2(d) and 2(e) below, if the Grantee incurs an Involuntary Termination during the period
beginning six months after the Grant Date and ending six months prior to the Vesting Date, then on the Vesting Date the Grantee will vest in a number of Restricted Stock Units with respect to the <FONT STYLE="white-space:nowrap">Pro-Rata</FONT>
Target Award (as defined below), based on the performance against the Performance Metrics through the end of the Performance Period. For purposes of these Terms and Conditions, <B>&#147;<U><FONT STYLE="white-space:nowrap">Pro-Rata</FONT> Target
Award</U>&#148; </B>shall mean a <FONT STYLE="white-space:nowrap">pro-rated</FONT> portion of the Restricted Stock Units, which shall be determined by multiplying the number of Restricted Stock Units in the Target Award by a fraction, the numerator
of which is the number of months that elapsed during the period beginning on the Measurement Date and ending on the Grantee&#146;s termination date (with a partial month counting as a whole month for this purpose), and the denominator of which is
42. Except as provided in Sections 2(d) and 2(e) below, if the Grantee incurs an Involuntary Termination during the <FONT STYLE="white-space:nowrap">six-month</FONT> period following the Grant Date, the Grantee&#146;s Restricted Stock Units will be
forfeited. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) Except as provided in Sections 2(d) and 2(e) below, if the Grantee
incurs an Involuntary Termination during the <FONT STYLE="white-space:nowrap">six-month</FONT> period immediately prior to the Vesting Date, the Grantee&#146;s Restricted Stock Units will vest on the Vesting Date without proration, based on
performance against the Performance Metrics through the end of the Performance Period. For purposes of these Terms and Conditions, the term <B>&#147;<U>Involuntary Termination</U>&#148; </B>shall mean the Grantee&#146;s separation from service from
the Company and its Affiliates on account of a termination by the Company or an Affiliate without Cause, other than on account of death or Disability, provided the Grantee signs and does not revoke a release and waiver of claims in favor of the
Company and its Affiliates in a form provided by the Company or an Affiliate, as applicable. A termination by the Grantee for Good Reason under the Employment Agreement shall be deemed to be an Involuntary Termination. For purposes of these Terms
and Conditions, <B>&#147;<U>Good Reason</U>&#148; </B>shall have the meaning assigned to it in the Employment Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B><U>Death
or Disability.</U> </B>In the event of the Grantee&#146;s death or Disability while employed by the Company or an Affiliate prior to the Vesting Date, the Grantee&#146;s Restricted Stock Units will automatically vest at the Target Award level (or,
if a Change of Control has occurred, at the CoC Performance Level (as described in Section&nbsp;5 of Schedule A)) on the date of the Grantee&#146;s death or Disability, as applicable. If, following the Grantee&#146;s termination of employment due to
Involuntary Termination after the six month period following the Grant Date, the Grantee dies prior to the Vesting Date, the Grantee&#146;s Restricted Stock Units will automatically vest at the Target Award level (or, if a Change of Control has
occurred, at the CoC Performance Level) on the date of the Grantee&#146;s death; provided that if the termination of employment was due to Involuntary Termination during the period beginning six months after the Grant Date and ending six months
prior to the Vesting Date, the Grantee&#146;s Restricted Stock Units will instead automatically vest at the <FONT STYLE="white-space:nowrap">Pro-Rata</FONT> Target Award level (or, if a Change of Control has occurred, the <FONT
STYLE="white-space:nowrap">Pro-Rata</FONT> Target Award will vest at the CoC Performance Level) on the date of the Grantee&#146;s death. For purposes of these Terms and Conditions, the term <B>&#147;<U>Disability</U>&#148; </B>shall mean a physical
or mental impairment of sufficient severity that the Grantee is both eligible for and in receipt of benefits under the long-term disability program maintained by the Company or an Affiliate, as applicable, and that meets the requirements of a
disability under section 409A of the Code, provided that the Grantee completes 30 days of active service with the Company at any time after the Grant Date and prior to the Vesting Date. The date of Disability for purposes of these Terms and
Conditions is the date on which the Grantee commences to receive such long-term disability benefits. In the event that the Grantee is not in active service on the Grant Date (for example, on account of short-term disability) and the Grantee does not
return to the Company and complete 30 days of active service with the Company prior to the Vesting Date, the award will be forfeited. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e)
<B><U>Change of Control.</U></B> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) If a Change of Control occurs prior to the Vesting Date, the Restricted Stock Units will vest at the
CoC Performance Level on the Vesting Date, provided that, except as set forth in subsections (ii)<B></B><B>&nbsp;and (iii) </B>below, the Grantee remains employed by the Company or an Affiliate through the Vesting Date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) If, prior to the Vesting Date, a Change of Control occurs and the Grantee&#146;s employment is terminated by the Company or an Affiliate
without Cause, or the Grantee terminates employment for Good Reason, and the Grantee&#146;s date of termination of employment (or in the event of the Grantee&#146;s termination for Good Reason, the event giving rise to Good Reason) occurs during the
period beginning on the date that is 90 days before the Change of Control and ending on the date that is one year following the Change of Control, the unvested Restricted Stock Units will automatically vest at the CoC Performance Level as of the
Grantee&#146;s date of termination of employment (or, if later, on the date of the Change of Control). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii) If the Grantee&#146;s employment terminates on account of an Involuntary Termination
as described in Section&nbsp;2(c) (other than an Involuntary Termination within six months following the Grant Date) more than 90 days before the Change of Control, and a Change of Control subsequently occurs prior to the Vesting Date, then on the
date of the Change of Control, the Grantee will vest in a <FONT STYLE="white-space:nowrap">Pro-Rata</FONT> Target Award based on performance at the CoC Performance Level on the date of the Change of Control; provided that if Section&nbsp;2(c)(ii)
applies, the Grantee will vest in the Restricted Stock Units at the CoC Performance Level and no <FONT STYLE="white-space:nowrap">pro-ration</FONT> will apply. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <B><U>Cause.</U> </B>Notwithstanding anything in these Terms and Conditions to the contrary, in the event the Grantee&#146;s employment is
terminated by the Company or an Affiliate for Cause, all outstanding Restricted Stock Units held by the Grantee shall immediately terminate and be of no further force or effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) <B><U>Other Termination</U>. </B>Except as provided in Sections 2(c), 2(d) and 2(e), in the event of a termination of employment, the
Grantee will forfeit all unvested Restricted Stock Units. Except as provided in Section&nbsp;2(c) or 2(e), no Restricted Stock Units will vest after the Grantee&#146;s employment with the Company or an Affiliate has terminated for any reason. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>3.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B><U>Restricted Stock Units Account.</U> </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company shall establish a bookkeeping account on its records for the Grantee and shall credit the Grantee&#146;s Restricted Stock Units to
the bookkeeping account. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>4.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B><U>Dividend Equivalents.</U> </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Dividend equivalents shall accrue with respect to the Grantee&#146;s Restricted Stock Units and shall be payable after vesting of the
underlying Restricted Stock Units, as described below. Dividend equivalents shall be credited on the Restricted Stock Units as of the dividend record date with respect to shares of Common Stock from the Grant Date until the payment date for the
Restricted Stock Units. The Company will keep records of dividend equivalents in a <FONT STYLE="white-space:nowrap">non-interest</FONT> bearing bookkeeping account for the Grantee. No interest will be credited to any such account. Accrued dividend
equivalents on vested Restricted Stock Units shall be paid in cash within 90 days after the Vesting Date or, if earlier, on the payment date for the Restricted Stock Units under Section&nbsp;5(b). Any dividend equivalents that accrue with respect to
vested Restricted Stock Units during the period after the Vesting Date and before the date on which the Restricted Stock Units are paid as described in Section&nbsp;5 shall be paid in cash upon the payment date for the applicable dividend on shares
of Common Stock. If and to the extent that the underlying Restricted Stock </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Units are forfeited, all related dividend equivalents shall also be forfeited. For the avoidance of doubt, if the Grantee elects to defer payment of the Restricted Stock Units under a Company
deferred compensation plan, the payment date for accrued dividend equivalents will be determined based on the terms of the applicable deferred compensation plan. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>5. <U>Conversion of Restricted Stock Units.</U> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Except as otherwise provided in this Section&nbsp;5, if the Restricted Stock Units vest in accordance with these Terms and Conditions, the
Grantee shall be entitled to receive payment of the vested Restricted Stock Units within 60 days of the Vesting Date (the date of distribution is referred to as the <B>&#147;<U>Distribution Date</U>&#148;).</B> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The vested Restricted Stock Units shall be paid earlier than the Distribution Date in the following circumstances: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) If the Restricted Stock Units vest in accordance with Section&nbsp;2(d) (the Grantee&#146;s death or Disability), the vested Restricted
Stock Units shall be paid within 90 days after the date of the Grantee&#146;s death or Disability, as applicable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) If the
Grantee&#146;s employment terminates in accordance with Section&nbsp;2(e)(ii) or 2(e)(iii) and a Change of Control subsequently occurs before the Vesting Date, the vested Restricted Stock Units shall be paid within 90 days after the date of the
Change of Control. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii) If the Grantee&#146;s employment terminates in accordance with Section&nbsp;2(e)(ii) or 2(e)(iii) upon or after
a Change of Control that occurs before the Distribution Date, the vested Restricted Stock Units shall be paid within 90 days after the Grantee&#146;s separation from service with the Company and its Affiliates </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iv) Notwithstanding subsections (ii)&nbsp;and (iii), if the Change of Control is not a &#147;change in control event&#148; under section 409A
of the Code, and if required by section 409A of the Code, payment will not be made on the dates described in subsections (ii)&nbsp;and (iii) and, instead, will be made within 90 days after the Distribution Date. In addition, if required by section
409A of the Code, if the separation from service described in subsection (iii)&nbsp;does not occur within two years after a Change of Control that is a &#147;change in control event&#148; under section 409A of the Code, payment will instead be made
within 90 days after the Distribution Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) On the applicable payment date, each vested Restricted Stock Unit credited to the
Grantee&#146;s account shall be settled in whole shares of Common Stock of the Company equal to the number of vested Restricted Stock Units, subject to (i)&nbsp;the limitation of subsection (d)&nbsp;below, (ii) compliance with the <FONT
STYLE="white-space:nowrap">six-month</FONT> delay described in Section&nbsp;17 below, if applicable, and (iii)&nbsp;the payment of any federal, state, local or foreign withholding taxes as described in Section&nbsp;13 below, and subject to
compliance with the Restrictive Covenants (as defined in Section&nbsp;7(a) below). The obligation of the Company to distribute shares shall be subject to the rights of the Company as set forth in the Plan and to all applicable laws, rules,
regulations, and such approvals by governmental agencies as may be deemed appropriate by the Committee, including as set forth in Section&nbsp;15 below. For the avoidance of doubt, the Grantee will forfeit all Restricted Stock Units if the
Grantee&#146;s employment is terminated for Cause prior to the Distribution Date or other applicable payment date under this Section&nbsp;5. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Notwithstanding the foregoing, if the Grantee elects to defer payment of the Restricted
Stock Units under the Company&#146;s applicable deferred compensation plan, payment shall be made in the form and at the time specified under such plan. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>6. <U>Certain Corporate Changes.</U> </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If
any change is made to the Common Stock (whether by reason of merger, consolidation, reorganization, recapitalization, stock dividend, stock split, combination of shares, or exchange of shares or any other change in capital structure made without
receipt of consideration), then unless such event or change results in the termination of all the Restricted Stock Units granted under these Terms and Conditions, the Committee shall adjust, as provided in the Plan, the number and class of shares
underlying the Restricted Stock Units held by the Grantee, the maximum number of shares for which the Restricted Stock Units may vest, the share price or class of Common Stock for purposes of the applicable performance goals, in each case, as
appropriate to reflect the effect of such event or change in the Company&#146;s capital structure in such a way as to preserve the value of the Restricted Stock Units. Any adjustment that occurs under the terms of this Section&nbsp;6 or the Plan
will not change the timing or form of payment with respect to any Restricted Stock Units except in accordance with section 409A of the Code. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>7.
<U>Restrictive Covenants.</U> </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Grantee acknowledges and agrees that in consideration for the grant of the Restricted Stock
Units, the Grantee remains subject to the <FONT STYLE="white-space:nowrap">non-competition,</FONT> <FONT STYLE="white-space:nowrap">non-solicitation,</FONT> confidentiality, inventions assignment, and
<FONT STYLE="white-space:nowrap">non-disparagement</FONT> provisions to the extent described in (including incorporated by reference into) Section&nbsp;14 of the Employment Agreement, the Restrictive Covenants Agreement dated February 8, 2017
between the Grantee and the Company, the Company&#146;s Code of Conduct (as defined in the Employment Agreement), and any other written agreements between the Company and the Grantee (collectively, the <B>&#147;<U>Restrictive
Covenants</U>&#148;).</B> </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Grantee acknowledges and agrees that in the event the Grantee breaches any of the Restrictive Covenants
or the Grantee&#146;s employment is terminated by the Company or an Affiliate for Cause, including a determination by the Committee that the Grantee has engaged in any activity, at any time, that would be grounds for termination of the
Grantee&#146;s employment for Cause: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) The Committee may in its discretion determine that the Grantee shall forfeit the outstanding
Restricted Stock Units (without regard to whether the Restricted Stock Units have vested, except as to the vested shares where forfeiture of vested shares is expressly prohibited by law), and the outstanding Restricted Stock Units shall immediately
terminate, and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) The Committee may in its discretion require the Grantee to return to the Company any shares of Common Stock received
in settlement of the Restricted Stock Units; provided, that if the Grantee has disposed of any shares of Common Stock received upon settlement of the Restricted Stock Units, then the Committee may require the Grantee to pay to the
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Company, in cash, the Fair Market Value of such shares of Common Stock as of the date of disposition. The Committee shall exercise the right of recoupment provided in this subsection (b)(ii)
within (x) 180 days after the Committee&#146;s discovery of the Grantee&#146;s breach of any of the Restrictive Covenants or (y)&nbsp;within 180 days after the later of (A)&nbsp;the Grantee&#146;s termination of employment by the Company or an
Affiliate for Cause, or (B)&nbsp;the Committee&#146;s discovery of circumstances that, if known to the Committee, would have been grounds for termination for Cause; provided, however, that this right of recoupment shall not limit the Board&#146;s
recoupment authority under any applicable clawback or recoupment policy of the Board. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>8. <U>No Stockholder Rights.</U> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Grantee has no voting rights and no other ownership rights and privileges of a stockholder with respect to the shares of Common Stock
subject to the Restricted Stock Units, except as otherwise provided in Section&nbsp;4. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>9. <U>Retention Rights.</U> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Neither the award of Restricted Stock Units, nor any other action taken with respect to the Restricted Stock Units, shall confer upon the
Grantee any right to continue in the employ or service of the Company or an Affiliate or shall interfere in any way with the right of the Company or an Affiliate to terminate Grantee&#146;s employment or service at any time. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>10. <U>Cancellation or Amendment.</U> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This award may be canceled or amended by the Committee, in whole or in part, in accordance with the applicable terms of the Plan. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>11. <U>Notice.</U> </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any notice to the
Company provided for in these Terms and Conditions shall be addressed to it in care of the Corporate Secretary of the Company, 550 East Swedesford Road, Suite 350, Wayne, Pennsylvania 19087, and any notice to the Grantee shall be addressed to such
Grantee at the current address shown on the payroll system of the Company or an Affiliate thereof, or to such other address as the Grantee may designate to the Company in writing. Any notice provided for hereunder shall be delivered by hand, sent by
telecopy or electronic mail, or enclosed in a properly sealed envelope addressed as stated above, registered and deposited, postage and registry fee prepaid in the United States mail, or other mail delivery service. Notice to the Company shall be
deemed effective upon receipt. By receipt of these Terms and Conditions, the Grantee hereby consents to the delivery of information (including without limitation, information required to be delivered to the Grantee pursuant to the applicable
securities laws) regarding the Company, the Plan, and the Restricted Stock Units via the Company&#146;s electronic mail system or other electronic delivery system. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>12. <U>Incorporation of Plan by Reference.</U> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">These Terms and Conditions are made pursuant to the terms of the Plan, the terms of which are incorporated herein by reference, and shall in
all respects be interpreted in accordance therewith. The decisions of the Committee shall be conclusive upon any question arising </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
hereunder. The Grantee&#146;s receipt of the Restricted Stock Units awarded under these Terms and Conditions constitutes the Grantee&#146;s acknowledgment that all decisions and determinations of
the Committee with respect to the Plan, these Terms and Conditions, and/or the Restricted Stock Units shall be final and binding on the Grantee, his or her beneficiaries, and any other person having or claiming an interest in such Restricted Stock
Units. The settlement of any award with respect to Restricted Stock Units is subject to the provisions of the Plan and to interpretations, regulations, and determinations concerning the Plan as established from time to time by the Committee in
accordance with the provisions of the Plan. A copy of the Plan will be furnished to the Grantee upon request. Additional copies may be obtained from the Corporate Secretary of the Company, 550 East Swedesford Road, Suite 350, Wayne, Pennsylvania
19087. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>13. <U>Income Taxes; Withholding Taxes.</U> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Grantee is solely responsible for the satisfaction of all taxes and penalties that may arise in connection with the Restricted Stock Units
pursuant to these Terms and Conditions. At the time of taxation, the Company shall have the right to deduct from other compensation or from amounts payable with respect to the Restricted Stock Units, including by withholding shares of the
Company&#146;s Common Stock to satisfy the federal (including FICA), state, local and foreign income and payroll tax withholding obligation on amounts payable in shares, in accordance with procedures authorized by the Committee and established by
the Company. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>14. <U>Governing Law.</U> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The validity, construction, interpretation, and effect of this instrument shall exclusively be governed by, and determined in accordance with,
the applicable laws of the State of Delaware, excluding any conflicts or choice of law rule or principle. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>15. <U>Grant Subject to Applicable Laws and
Company Policies.</U> </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">These Terms and Conditions shall be subject to any required approvals by any governmental or regulatory
agencies. This award of Restricted Stock Units shall also be subject to any applicable clawback or recoupment policies, share trading policies, and other policies that may be implemented by the Board from time to time in accordance with applicable
law. Notwithstanding anything in these Terms and Conditions to the contrary, the Plan, these Terms and Conditions, and the Restricted Stock Units awarded hereunder shall be subject to all applicable laws, including any laws, regulations,
restrictions, or governmental guidance that becomes applicable in the event of the Company&#146;s participation in any governmental programs, and the Committee reserves the right to modify these Terms and Conditions and the Restricted Stock Units as
necessary to conform to any restrictions imposed by any such laws, regulations, restrictions, or governmental guidance or to conform to any applicable clawback or recoupment policies, share trading policies, and other policies that may be
implemented by the Board from time to time. As a condition of participating in the Plan, and by the Grantee&#146;s acceptance of the Restricted Stock Units, the Grantee is deemed to have agreed to any such modifications that may be imposed by the
Committee, and agrees to sign such waivers or acknowledgments as the Committee may deem necessary or appropriate with respect to such modifications. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>16. Assignment. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">These Terms and Conditions shall bind and inure to the benefit of the successors and assignees of the Company. The Grantee may not sell,
assign, transfer, pledge, or otherwise dispose of the Restricted Stock Units, except to a Successor Grantee in the event of the Grantee&#146;s death. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>17. Section&nbsp;409A. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This award of
Restricted Stock Units is intended to be exempt from or comply with the applicable requirements of section 409A of the Code and shall be administered in accordance with section 409A of the Code. Notwithstanding anything in these Terms and Conditions
to the contrary, if the Restricted Stock Units constitute &#147;deferred compensation&#148; under section 409A of the Code and the Restricted Stock Units become vested and settled upon the Grantee&#146;s termination of employment, payment with
respect to the Restricted Stock Units shall be delayed for a period of six months after the Grantee&#146;s termination of employment if the Grantee is a &#147;specified employee&#148; as defined under section 409A of the Code (as determined by the
Committee) and if required pursuant to section 409A of the Code. If payment is delayed, the shares of Common Stock of the Company shall be distributed within 30 days of the date that is the <FONT STYLE="white-space:nowrap">six-month</FONT>
anniversary of the Grantee&#146;s termination of employment. If the Grantee dies during the <FONT STYLE="white-space:nowrap">six-month</FONT> delay, the shares shall be distributed in accordance with the Grantee&#146;s will or under the applicable
laws of descent and distribution. Notwithstanding any provision to the contrary herein, payments made with respect to this award of Restricted Stock Units may only be made in a manner and upon an event permitted by section 409A of the Code, and all
payments to be made upon a termination of employment hereunder may only be made upon a &#147;separation from service&#148; as defined under section 409A of the Code. To the extent that any provision of these Terms and Conditions would cause a
conflict with the requirements of section 409A of the Code, or would cause the administration of the Restricted Stock Units to fail to satisfy the requirements of section 409A of the Code, such provision shall be deemed null and void to the extent
permitted by applicable law. In no event shall the Grantee, directly or indirectly, designate the calendar year of payment. If the Restricted Stock Units constitute &#147;deferred compensation&#148; under section 409A of the Code and payment is
subject to the execution of a release of claims in favor of the Company and its Affiliates, and if payment with respect to the Restricted Stock Units that is subject to the execution of the release could be made in more than one taxable year,
payment shall be made in the later taxable year. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>IN WITNESS WHEREOF, </B>the Company has caused its duly authorized officer to execute and
attest this instrument, and the Grantee has placed his or her signature hereon, effective as of the Grant Date set forth above. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>RADIAN GROUP INC.</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Mary Dickerson</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Mary Dickerson</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Senior Executive Vice President, Chief People Officer</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">By electronically acknowledging and accepting this award of Restricted Stock Units following the date of the
Company&#146;s electronic notification to the Grantee, the Grantee (a)&nbsp;acknowledges receipt of the Plan incorporated herein, (b)&nbsp;acknowledges that he or she has read the Award Summary delivered in connection with this grant of Restricted
Stock Units and these Terms and Conditions and understands the terms and conditions of them, (c)&nbsp;accepts the award of the Restricted Stock Units described in these Terms and Conditions, (d)&nbsp;agrees to be bound by the terms of the Plan and
these Terms and Conditions, and (e)&nbsp;agrees that all decisions and determinations of the Committee with respect to the Restricted Stock Units shall be final and binding. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Schedule A : </U></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Performance </U></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Metrics </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Vesting of the Restricted
Stock Units will be based on the Company&#146;s cumulative growth in Book Value per Share (as defined below) over the Performance Period and Relative Cumulative TSR (as defined below) over the Performance Period, with each metric equally weighted.
<B>Notwithstanding anything below to the contrary, no portion of this award shall vest if the Company Absolute TSR is negative over the Performance Period or in the case of a Change of Control, as of the end of the fiscal quarter immediately
preceding the fiscal quarter in which the Change of Control occurs or the date of the Change of Control if the Change of Control occurs on the last day of a fiscal quarter.</B> </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B></B>1.<B> <U>Performance Metrics.</U> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Except as set forth in Section&nbsp;5 below, vesting of 50% of the Restricted Stock Units will be based on the Company&#146;s cumulative
growth in Book Value per Share, and vesting of the remaining 50% of the Restricted Stock Units will be based on the Relative Cumulative TSR, in each case over the Performance Period as compared to the following reference points: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Cumulative Growth in Book Value per Share</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>BV Payout Percentage</B></P></TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">&#8804; 30%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">0%</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">60%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">100%</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">&#8805; 90%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">150%</TD></TR>
</TABLE> <P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Relative Cumulative TSR</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>TSR Payout Percentage</B></P></TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">Company Absolute TSR<BR>&#8804; MI Average Peer<BR>Group
TSR</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">0%</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">Company Absolute TSR<BR>= MI Average Peer<BR>Group TSR +
10%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">100%</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">Company Absolute TSR<BR>&#8805; MI Average Peer<BR>Group TSR +
20%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">150%</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) If the Company&#146;s performance on either of the above metrics falls between two referenced percentages,
the applicable payout percentage will be subject to straight-line interpolation. Cumulative growth in Book Value per Share will be calculated by dividing the Book Value per Share on the last day of the Performance Period (or the projected Book Value
per Share in the case of a Change of Control, as described below), by the Book Value per Share on the first </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
day of the Performance Period, expressed as a percentage, minus 100%. &#147;<B><U>Relative Cumulative TSR</U>&#148; </B>shall be calculated based on the Company&#146;s cumulative TSR (as
calculated in Section&nbsp;2 below) for the Performance Period <B>(&#147;<U>Company Absolute TSR</U>&#148;), </B>as compared to a simple average TSR of the companies in the TSR Peer Group (as defined below) for the Performance Period (the
<B>&#147;<U>Average Peer Group TSR</U>&#148;)</B>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The Company&#146;s <B>&#147;<U>Book Value per Share</U>&#148; </B>is defined as:
(i)&nbsp;Book Value adjusted to exclude Accumulated Other Comprehensive Income (but, for the avoidance of doubt, not excluding the impact, if any, during the Performance Period (or through the end of the fiscal quarter immediately preceding the
fiscal quarter in which the Change of Control occurs or the date of the Change of Control if the Change of Control occurs on the last day of a fiscal quarter, if applicable) from declared dividends on common shares and dividend equivalents on
outstanding equity awards), <I>divided by </I>(ii)&nbsp;the basic shares of Common Stock of the Company outstanding as of the applicable measurement date. The Book Value per Share shall be derived from the Company&#146;s financial statements,
prepared in accordance with GAAP, and the adjustment described above. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">2. <B><U>Calculation of TSR</U>. </B>At the end of the Performance Period, the TSR
for the Company and for each company in the TSR Peer Group (as defined below) shall be calculated by dividing the Closing Average Share Value (as defined below) by the Opening Average Share Value (as defined below). The companies in the TSR Peer
Group will be determined on the first day of the Performance Period for purposes of the TSR calculation and will be changed only in accordance with subsection (d)&nbsp;below. No company shall be added to the TSR Peer Group during the Performance
Period for purposes of the TSR calculation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The term <B>&#147;<U>Closing Average Share Value</U>&#148; </B>means the average value of
the common stock, including Accumulated Shares, for the 20 trading days ending on the last day of the Performance Period (i.e., the 20 trading days ending on and including December&nbsp;31, 2026), which shall be calculated as follows:
(i)&nbsp;determine the closing price of the common stock on each trading date during the <FONT STYLE="white-space:nowrap">20-day</FONT> period, (ii)&nbsp;multiply each closing price by the Accumulated Shares as of that trading date, and
(iii)&nbsp;average the amounts so determined for the <FONT STYLE="white-space:nowrap">20-day</FONT> period. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The term
<B>&#147;<U>Opening Average Share Value</U>&#148; </B>means the average value of the common stock, including Accumulated Shares, for the 20 trading days ending on the day immediately prior to the first day of the Performance Period (i.e., the 20
trading days ending immediately prior to July 1, 2023), which shall be calculated as follows: (i)&nbsp;determine the closing price of the common stock on each trading day during the period, (ii)&nbsp;multiply each closing price by the Accumulated
Shares as of that trading date, and (iii)&nbsp;average the amounts so determined for the period. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The term <B>&#147;<U>Accumulated
Shares</U>&#148; </B>means, for a given trading day, the sum of (i)&nbsp;one share and (ii)&nbsp;a cumulative number of shares of the company&#146;s common stock purchased with dividends declared on a company&#146;s common stock, assuming same day
reinvestment of the dividends in the common stock of a company at the closing price on the <FONT STYLE="white-space:nowrap">ex-dividend</FONT> date. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) The term <B>&#147;TSR Peer Group&#148; </B>means the companies listed on <U>Exhibit
A</U> and will be subject to change as follows: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) In the event of a merger, acquisition or business combination transaction of a company
in the TSR Peer Group in which the company in the TSR Peer Group is the surviving entity and remains publicly traded, the surviving entity shall remain a company in the TSR Peer Group. Any entity involved in the transaction that is not the surviving
company shall no longer be a company in the TSR Peer Group. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) In the event of a merger, acquisition or business combination
transaction of a company in the TSR Peer Group, a &#147;going private&#148; transaction or other event involving a company in the TSR Peer Group or the liquidation of a company in the TSR Peer Group, in each case where the company in the TSR Peer
Group is not the surviving entity or is no longer publicly traded, the company shall no longer be a company in the TSR Peer Group. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Notwithstanding the
foregoing, in the event of a bankruptcy of a company in the TSR Peer Group where the company in the TSR Peer Group is not publicly traded at the end of the Performance Period, such company shall remain a company in the TSR Peer Group but shall be
deemed to have a TSR of negative 100% <FONT STYLE="white-space:nowrap">(-100%).</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">3. <B><U>Final Payout Percentage</U>. </B>The actual number of
Restricted Stock Units that vest with respect to the Performance Period <B>(&#147;<U>Final Payout Percentage</U>&#148;) </B>shall be determined by multiplying 50% of the number of Restricted Stock Units subject to the Target Award by the BV Payout
Percentage and adding that product to the product of 50% of the number of Restricted Stock Units subject to the Target Award by the TSR Payout Percentage. In no event shall the maximum number of Restricted Stock Units that may be payable pursuant to
these Terms and Conditions exceed 150% of the Target Award. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">4. <B><U>General Vesting Terms</U>. </B>Any fractional Restricted Stock Unit resulting from
the vesting of the Restricted Stock Units in accordance with these Terms and Conditions shall be rounded down to the nearest whole number. Any portion of the Restricted Stock Units that does not vest as of the end of the Performance Period shall be
forfeited as of the end of the Performance Period. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">5. <B><U>Change of Control Vesting</U>. </B>If a Change of Control occurs prior to the end of the
Performance Period, the Committee will calculate the <B>&#147;<U>CoC Performance Level</U>,&#148; </B>calculated as the sum of: (a)&nbsp;the Company&#146;s projected BV Payout Percentage, determined by projecting the Company&#146;s Book Value per
Share through the end of the Performance Period, projected as of the end of the fiscal quarter immediately preceding the fiscal quarter in which the Change of Control occurs or the date of the Change of Control if the Change of Control occurs on the
last day of a fiscal quarter, multiplied by 50% of the number of Restricted Stock Units subject to the Target Award and (b)&nbsp;the TSR Payout Percentage, determined as of the end of the fiscal quarter immediately preceding the fiscal quarter in
which the Change of Control occurs or the date of the Change of Control if the Change of Control occurs on the last day of a fiscal quarter, multiplied by 50% of the number of Restricted Stock Units subject to the Target Award, in each case as
determined in the sole discretion of the Committee. Any Restricted Stock Units that do not vest at the CoC Performance Level shall be forfeited as of the date of the Change of Control. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>EXHIBIT A </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TSR PEER GROUP </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Enact Holdings (ACT) </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Essent Group (ESNT) </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MGIC Investment Corporation (MTG) </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NMI Holdings (NMIH) </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>4
<FILENAME>rdn-20230809.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20221108.6 -->
<!-- Creation date: 8/12/2023 12:13:14 AM Eastern Time -->
<!-- Copyright (c) 2023 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<xsd:schema
  xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric"
  xmlns:num="http://www.xbrl.org/dtr/type/numeric"
  xmlns:us-types="http://fasb.org/us-types/2022"
  xmlns:rdn="http://radian.com/20230809"
  xmlns:dei="http://xbrl.sec.gov/dei/2022"
  xmlns:xbrli="http://www.xbrl.org/2003/instance"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
  attributeFormDefault="unqualified"
  elementFormDefault="qualified"
  targetNamespace="http://radian.com/20230809"
  xmlns:xsd="http://www.w3.org/2001/XMLSchema">
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/linkbase" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/dei/2022/dei-2022.xsd" namespace="http://xbrl.sec.gov/dei/2022" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/naics/2022/naics-2022.xsd" namespace="http://xbrl.sec.gov/naics/2022" />
    <xsd:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="rdn-20230809_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:title="Label Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="rdn-20230809_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:title="Presentation Links, all" xlink:type="simple" />
      <link:roleType roleURI="http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation" id="Role_DocumentDocumentAndEntityInformation">
        <link:definition>100000 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>5
<FILENAME>rdn-20230809_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20221108.6 -->
<!-- Creation date: 8/12/2023 12:13:14 AM Eastern Time -->
<!-- Copyright (c) 2023 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Cover [Abstract]</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Cover [Abstract]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Registrant Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Registrant Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Amendment Flag</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Amendment Flag</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Central Index Key</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Central Index Key</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Type</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Type</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Period End Date</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Period End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Incorporation State Country Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Incorporation State Country Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity File Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity File Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Tax Identification Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Tax Identification Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line One</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line One</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine2" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine2" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine2_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line Two</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine2_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line Two</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, City or Town</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, City or Town</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, State or Province</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, State or Province</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Postal Zip Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">City Area Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">City Area Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Local Phone Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Local Phone Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Written Communications</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Written Communications</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Soliciting Material</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Soliciting Material</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Issuer Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Issuer Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security 12b Title</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security 12b Title</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Trading Symbol</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Trading Symbol</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security Exchange Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security Exchange Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Emerging Growth Company</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Emerging Growth Company</link:label>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>6
<FILENAME>rdn-20230809_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20221108.6 -->
<!-- Creation date: 8/12/2023 12:13:14 AM Eastern Time -->
<!-- Copyright (c) 2023 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
    xmlns:link="http://www.xbrl.org/2003/linkbase"
    xmlns:xlink="http://www.w3.org/1999/xlink"
    xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
    xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
    xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="rdn-20230809.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:presentationLink xlink:type="extended" xlink:role="http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityRegistrantName" order="22.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_AmendmentFlag" order="23.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityCentralIndexKey" order="24.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_DocumentType" order="26.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_DocumentPeriodEndDate" order="27.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityIncorporationStateCountryCode" order="28.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityFileNumber" order="29.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityTaxIdentificationNumber" order="30.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressAddressLine1" order="31.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine2" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine2" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressAddressLine2" order="32.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressCityOrTown" order="33.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressStateOrProvince" order="34.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressPostalZipCode" order="35.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_CityAreaCode" order="36.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_LocalPhoneNumber" order="37.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_WrittenCommunications" order="38.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_SolicitingMaterial" order="39.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_PreCommencementTenderOffer" order="40.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_PreCommencementIssuerTenderOffer" order="41.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_Security12bTitle" order="42.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_TradingSymbol" order="43.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_SecurityExchangeName" order="44.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityEmergingGrowthCompany" order="45.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>7
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.23.2</span><table class="report" border="0" cellspacing="2" id="idm140519964335296">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Aug. 09, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">RADIAN GROUP INC<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000890926<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Aug.  09,  2023<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation State Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">1-11356<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">23-2691170<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">550 East Swedesford Road<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address, Address Line Two</a></td>
<td class="text">Suite 350<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Wayne<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">PA<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">19087<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(215)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">231-1000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre Commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre Commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Common Stock, $0.001 par value per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">RDN<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>8
<FILENAME>d663033d8k_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2022"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="rdn-20230809.xsd" xlink:type="simple"/>
    <context id="duration_2023-08-09_to_2023-08-09">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000890926</identifier>
        </entity>
        <period>
            <startDate>2023-08-09</startDate>
            <endDate>2023-08-09</endDate>
        </period>
    </context>
    <dei:EntityRegistrantName
      contextRef="duration_2023-08-09_to_2023-08-09"
      id="Hidden_dei_EntityRegistrantName">RADIAN GROUP INC</dei:EntityRegistrantName>
    <dei:AmendmentFlag contextRef="duration_2023-08-09_to_2023-08-09">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="duration_2023-08-09_to_2023-08-09"
      id="Hidden_dei_EntityCentralIndexKey">0000890926</dei:EntityCentralIndexKey>
    <dei:DocumentType contextRef="duration_2023-08-09_to_2023-08-09">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="duration_2023-08-09_to_2023-08-09">2023-08-09</dei:DocumentPeriodEndDate>
    <dei:EntityIncorporationStateCountryCode contextRef="duration_2023-08-09_to_2023-08-09">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="duration_2023-08-09_to_2023-08-09">1-11356</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="duration_2023-08-09_to_2023-08-09">23-2691170</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="duration_2023-08-09_to_2023-08-09">550 East Swedesford Road</dei:EntityAddressAddressLine1>
    <dei:EntityAddressAddressLine2 contextRef="duration_2023-08-09_to_2023-08-09">Suite 350</dei:EntityAddressAddressLine2>
    <dei:EntityAddressCityOrTown contextRef="duration_2023-08-09_to_2023-08-09">Wayne</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="duration_2023-08-09_to_2023-08-09">PA</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="duration_2023-08-09_to_2023-08-09">19087</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="duration_2023-08-09_to_2023-08-09">(215)</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="duration_2023-08-09_to_2023-08-09">231-1000</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="duration_2023-08-09_to_2023-08-09">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="duration_2023-08-09_to_2023-08-09">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="duration_2023-08-09_to_2023-08-09">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="duration_2023-08-09_to_2023-08-09">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="duration_2023-08-09_to_2023-08-09">Common Stock, $0.001 par value per share</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2023-08-09_to_2023-08-09">RDN</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2023-08-09_to_2023-08-09">NYSE</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="duration_2023-08-09_to_2023-08-09">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>9
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M?!^2!F.,6_0T7X\48JVFL:W&VC$,>8!8\PRA9CC?AT6:&C/5BZPYC0IO0=5
MY3_;U UH]@TT')$%7C&9MC:CY$X*/-S^[PVPPL2.X>V+OP%02P,$%     @
M 8(+5X3*DJYB!   *A$  !@   !X;"]W;W)K<VAE971S+W-H965T,2YX;6R-
MF&%OXC@0AO^*E5N=[J2VB4.AT ,D2ML]M+L4 7O5W>D^F,2 U23.VDXI__[&
M"4W8W3"A'TH2/&\>S]BO;?H[J5[TEG-#WN(HT0-G:TQZZ[HZV/*8Z2N9\@2^
M64L5,P.W:N/J5'$6YD%QY/J>UW%C)A)GV,^?S=2P+S,3B83/%-%9'#.UO^.1
MW T<ZKP_F(O-UM@'[K"?L@U?</,UG2FX<TN54,0\T4(F1/'UP!G1VSN_;0/R
M%G\)OM-'U\1V927EB[V9A /'LT0\XH&Q$@P^7OF81Y%5 HYO!U&G?*<-/+Y^
M5W_,.P^=63'-QS)Z%J'9#IRN0T*^9EEDYG+W)S]T* <,9*3S_V17M+WV'!)D
MVLCX$ P$L4B*3_9V2,1Q #T1X!\"_)R[>%%.><\,&_:5W!%E6X.:O<B[FD<#
MG$AL519&P;<"XLSP7@89)-D0EH3D(3'"[,DD*:H-6>N[!EYBF[K!0?"N$/1/
M"(ZRS17Q>A?$]_S6]^$NL)6 ?@GHYWJM$WIC^<H5^7>TTD9!"?^K(RH4KNL5
M[+B^U2D+^,"!@:NY>N7.\-=?:,?[ ^%KE7PM3'UXR-F<;X0EA$Q.6<SK*'&=
M^>A^,IJ2C_.GKS,RF8X1M.L2[1J5'$%AP[RXCQ';U"'A\6L6:8YPM$N.]CDI
M&@.)8A$,KY"_D4]\7T>$*WGPU^UY/;^#8'5*K XJ5@[]Y3ZM+1@>WKW\A$#<
ME! WYT',N!+23L&0P$2NY<&5\HF7S[RFJ=<MV;KGU&V2!%*E4N6&0!8&Z,A8
M9E!,J*D,:U%QX?L'A*Y7TO7.H7L4$2?3+%YQ50>":]!+2EMM;#!1KS)2[QR>
M)7LCDQ J*M8B*%)VFJY!TF]=^IT>I3<>1GAD]?0<PE$8@@WJB_<+\AG:D:>D
MMI -DNVV1QZ8-F2QXR'7L&Z$9"Y9B/%6SD]1X\9YESM9RXM++C(!H[?51A-:
M63\]R_M+P+&]DXHLY:Y^Y<3EGMG^QR)\#U89/\6=^T>P8M("V4S)5Y$$]:7&
M-6<C#*U:"^A9BT&)-I/:P*+PCTA/FDF#(NUYW1N,K5H0*&[I>?U&L+D]C8(+
M_.;3]N\82K4L4-S-/\L LC+;R@1SMP81OP4&!TLF1E0M!A0W[6<EC.$)I":.
ML^3@;;J6"A=JVE;0:@6@N'TO9"0"842R(5]@@"O!HEH>7*6)QZ^6 !_WZYGB
M>7HXS+!B9P$;,-B]/JW7]?5KT&LDJZS?QWWZ)[*)UAF0-0+BLHV 1[O\!F/F
M0:;L]*/^BBR%B6JG7X.([6&^19'!RP7YX%UY'B4I4^2511DG*?14;YE"B2OS
M]W&W7BH6VI&WV,<K63ON&@3F]U,,I#)['S?F,G4/;\&6)1M^\@32(#3]>X%M
MS/S*X_VS//XAYFIC4_01%,S6#L"4);7;_@;!D^/,/3KYVE\1OC#[1DTBO@8A
M[^H&=%5Q,"]NC$SSP_!*&CA:YY=;SF .V ;P_5I*\WYCS]?ESR/#_P%02P,$
M%     @  8(+5Y^@&_"Q @  X@P   T   !X;"]S='EL97,N>&ULW5=M:]LP
M$/XK0C]@;F)JXI$8MD!AL(U"\V%?E5AV!'KQ9+ES^NNGLVPG:75EW8>QS:')
MW3VZNT=W)YFN6W>2_.'(N2.]DKK=T*-SS?LD:0]'KEC[SC1<>Z0R5C'G55LG
M;6,Y*UMP4C)9WMQDB6)"TV*M.W6G7$L.IM-N0V]H4JPKH\^6E :#7\H4)X],
M;NB62;&W8EC+E)"G8%Z"X6"DL<1Y*GQ#%V!IGP*\"!JP'.,HH8T%8Q(RA._]
MN/P9,&FM5X64,\$E#89BW3#GN-5W7AD6#\87$!GEW:GQ#&O+3HOE+3T[##\^
MR=[8DMLYS8).IF(M>05TK*B/\.M,DP#HG%%>* 6KC68#A\EC%'S8 Y?R 5KX
MK;J*W5<D].)3"6T@L-5)](1&,80)"L2_C!9B7X2]_:VPI!&/QGWL_&[TH'_O
MC./WEE>B'_2^FO-CT1=X=-8T\O1!BEHK'O;^RPF+-9O\R-%8\>2SP:0<O(%;
M2AZY=>)P:?EA6;/CO9NFJ:]PSLM_D/.?K7/--;=,7I+VH_\W5_DMC)/Q]%P<
MT:L#.EL)7(0;^A7N5WGF0/:=D$[H43N*LN3ZQ3GUX1W;^PO\*KY?7_**==+M
M9G!#S_(77HI.Y?.J>ZC+N.HL?X;[:)'-M[#/)73)>UYN1]76^T$D7O!9QP<<
MGB-WPQ-',)^ Q1' L#P8 \PG>&%Y_J?]K-#]! SCMHHB*]1GA?H$KQBR'3Y8
MGKA/[I_X3O,\3;,,J^AV&V6PQ>J69? 7CX9Q P\L#V1Z6ZWQ;N,3\OH<8#U]
M;4*PG>*3B.T4KS4@\;J!1Y['NXWE 0^L"]CL0/YX'IBIN$^:0E<Q;M@)QI$\
MQQ"8Q?B,9AE2G0P^\?Y@IR1-\SR. !9GD*88 J<11S &P %#TG1X#SY['R73
M>RHY_U=3_ 102P,$%     @  8(+5Y>*NQS     $P(   L   !?<F5L<R\N
M<F5L<YV2N6[#, Q ?\70GC 'T"&(,V7Q%@3Y 5:B#]@2!8I%G;^OVJ5QD L9
M>3T\$MP>:4#M.*2VBZD8_1!2:5K5N %(MB6/:<Z10J[4+!XUA]) 1-MC0[!:
M+#Y +AEFM[UD%J=SI%>(7->=I3W;+T]!;X"O.DQQ0FE(2S,.\,W2?S+W\PPU
M1>5*(Y5;&GC3Y?YVX$G1H2)8%II%R=.B':5_'<?VD-/IKV,BM'I;Z/EQ:%0*
MCMQC)8QQ8K3^-8+)#^Q^ %!+ P04    "  !@@M7'#AEZC\!   \ @  #P
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M=Y-[2:AU[D&P]_ :C1W-CQ^W_ %02P,$%     @  8(+5R0>FZ*M    ^ $
M !H   !X;"]?<F5L<R]W;W)K8F]O:RYX;6PN<F5L<[61/0Z#, R%KQ+E #50
MJ4,%3%U8*RX0!?,C$A+%K@JW+X4!D#IT8;*>+7_OR4Z?:!1W;J"V\R1&:P;*
M9,OL[P"D6[2*+L[C,$]J%ZSB688&O-*]:A"2*+I!V#-DGNZ9HIP\_D-T==UI
M?#C]LCCP#S"\7>BI160I2A4:Y$S":+8VP5+BRTR6HJ@R&8HJEG!:(.+)(&UI
M5GVP3TZTYWD7-_=%KLWC":[?#'!X=/X!4$L#!!0    (  &""U=ED'F2&0$
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M;W!S+V%P<"YX;6Q02P$"% ,4    "  !@@M7#0&ZR.T    K @  $0
M        @ &O    9&]C4')O<',O8V]R92YX;6Q02P$"% ,4    "  !@@M7
MF5R<(Q &  "<)P  $P              @ '+ 0  >&PO=&AE;64O=&AE;64Q
M+GAM;%!+ 0(4 Q0    (  &""U>$RI*N8@0  "H1   8              "
M@0P(  !X;"]W;W)K<VAE971S+W-H965T,2YX;6Q02P$"% ,4    "  !@@M7
MGZ ;\+$"  #B#   #0              @ &D#   >&PO<W1Y;&5S+GAM;%!+
M 0(4 Q0    (  &""U>7BKL<P    !,"   +              "  8 /  !?
M<F5L<R\N<F5L<U!+ 0(4 Q0    (  &""U<<.&7J/P$  #P"   /
M      "  6D0  !X;"]W;W)K8F]O:RYX;6Q02P$"% ,4    "  !@@M7)!Z;
MHJT   #X 0  &@              @ '5$0  >&PO7W)E;',O=V]R:V)O;VLN
M>&UL+G)E;'-02P$"% ,4    "  !@@M799!YDAD!  #/ P  $P
M    @ &Z$@  6T-O;G1E;G1?5'EP97-=+GAM;%!+!08     "0 ) #X"   $
%%      !

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>11
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>12
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.23.2</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>1</ContextCount>
  <ElementCount>23</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>0</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="d663033d8k.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>100000 - Document - Document and Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation</Role>
      <ShortName>Document and Entity Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <Logs>
    <Log type="Warning">[ix-0514-Hidden-Fact-Eligible-For-Transform] WARN: 1 fact(s) appearing in ix:hidden were eligible for transformation: dei:EntityRegistrantName -  d663033d8k.htm 7</Log>
  </Logs>
  <InputFiles>
    <File doctype="8-K" original="d663033d8k.htm">d663033d8k.htm</File>
    <File>d663033dex101.htm</File>
    <File>d663033dex103.htm</File>
    <File>rdn-20230809.xsd</File>
    <File>rdn-20230809_lab.xml</File>
    <File>rdn-20230809_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy items="23">http://xbrl.sec.gov/dei/2022</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>15
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "d663033d8k.htm": {
   "axisCustom": 0,
   "axisStandard": 0,
   "baseTaxonomies": {
    "http://xbrl.sec.gov/dei/2022": 23
   },
   "contextCount": 1,
   "dts": {
    "inline": {
     "local": [
      "d663033d8k.htm"
     ]
    },
    "labelLink": {
     "local": [
      "rdn-20230809_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "rdn-20230809_pre.xml"
     ]
    },
    "schema": {
     "local": [
      "rdn-20230809.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd",
      "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd",
      "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd",
      "https://xbrl.sec.gov/dei/2022/dei-2022.xsd",
      "https://xbrl.sec.gov/naics/2022/naics-2022.xsd"
     ]
    }
   },
   "elementCount": 24,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2022": 3,
    "total": 3
   },
   "keyCustom": 0,
   "keyStandard": 23,
   "memberCustom": 0,
   "memberStandard": 0,
   "nsprefix": "rdn",
   "nsuri": "http://radian.com/20230809",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d663033d8k.htm",
      "contextRef": "duration_2023-08-09_to_2023-08-09",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "100000 - Document - Document and Entity Information",
     "menuCat": "Cover",
     "order": "1",
     "role": "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation",
     "shortName": "Document and Entity Information",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d663033d8k.htm",
      "contextRef": "duration_2023-08-09_to_2023-08-09",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 0,
   "tag": {
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag",
        "terseLabel": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code",
        "terseLabel": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]",
        "terseLabel": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "xbrltype": "stringItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.",
        "label": "Document Period End Date",
        "terseLabel": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type",
        "terseLabel": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address, Address Line One",
        "terseLabel": "Entity Address, Address Line One"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressAddressLine2": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 2 such as Street or Suite number",
        "label": "Entity Address, Address Line Two",
        "terseLabel": "Entity Address, Address Line Two"
       }
      }
     },
     "localname": "EntityAddressAddressLine2",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address, City or Town",
        "terseLabel": "Entity Address, City or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address, Postal Zip Code",
        "terseLabel": "Entity Address, Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address, State or Province",
        "terseLabel": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key",
        "terseLabel": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company",
        "terseLabel": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number",
        "terseLabel": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation State Country Code",
        "terseLabel": "Entity Incorporation State Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name",
        "terseLabel": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number",
        "terseLabel": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number",
        "terseLabel": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre Commencement Issuer Tender Offer",
        "terseLabel": "Pre Commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre Commencement Tender Offer",
        "terseLabel": "Pre Commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Security 12b Title",
        "terseLabel": "Security 12b Title"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name",
        "terseLabel": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material",
        "terseLabel": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol",
        "terseLabel": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications",
        "terseLabel": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://radian.com//20230809/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    }
   },
   "unitCount": 0
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r5": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  }
 },
 "version": "2.2"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>16
<FILENAME>0001193125-23-210745-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001193125-23-210745-xbrl.zip
M4$L#!!0    (  &""U<@T:)>'"0  +'P   .    9#8V,S S,V0X:RYH=&WM
M/6E3(\N1WQWA_U"!_3;$KFX! V*&#09X8^P9( 1C>_>+H]1=DGJGU2WW <B_
M?C.SJKJK+QT@CC?6"WN0U-5U9&5FY5T?__MQZK)[$82.[WW:Z33;.TQXEF\[
MWOC33AR-&H<[[+]/?O^[CY,(&D)C+^S;POFT,XFB6;_5>AP&;C,45G/LW[?@
M0:O;[G9W5,,X;$3SF0B3UB,>#IM^,&[I)YGFGN]Y\31I_/#PT*3N\04["EKX
M1@L:-:"5"!Q+O_?H.MZ/S&L//7JI<W1TU**GNFFA93) M]WNM?#QD(="-P]L
M+VD=<-OA7M/RISCI7ONP?91,('3*AH<N.ZV_?_MZ:TW$E#<<+XRX9R6=QU%0
M.96C%CS5#9W0W^MV/BR8MVJ1O/!8U;8#;3U8I?C[Y\'7M'E4WCYMVHH"[H4C
M/YCR"# %>]IOM+N-[H'120/P(-.1QHME_1PV>IT$EC"XLVBI.2CB4SN'CZKQ
M04L^5$VK,01Q>X>07' ;_T9.Y(J3P\9?/K;D1_AM*B+.L(>&^&?LW'_:.?.]
M2'A1XP[0<H=9\MNGG4@\1BWJD;7PO9;JE#'V<>C;\Y./MG//PFCNBD\[MA/.
M7#Y'U!<[)^RC\]C'YB)0GQW;%I[\#$VN)-XSQ_ZT\R=Z] \@N7]<>##)^4",
MG1#!&UWQ*4S(@W]A .'TRY_3A!^C@1A!JSB@_?@'8C;N1_OH'Y%O?-LY&9R>
M7YY>L2^#Z^\W[/+J[&,K,Z?"'-/A3Z?"L^'_T:\N'Z\][HB[H5@V6"E SF#(
M@+N7GBT>_R+F18@4&JPYM3;\=WC4/NH>%.?7RNU>($8B ,XJ0OB.;*8?$E>
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M86"\J=LWWY7M8X0[U1FDCB"%C1NA,$3Z!MSEI&+BN%8H&,$_%W?@9A9.BJ(
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M!&.D2;Y>=)/=6SQ6ZW)!@^FP5C,8);N?I^):&C-\=);$1%QYD7$E%#0SE:A
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M4T[29=\&\'ITM/GL"I->$#(:DE.0MJ$I&R1 62,/961(ED8P$RIO<-[8*JM
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MHJY/1O$5!98,_P&)B%NO5C=77ZUO8<RLGT;VZ.32@V10WDFA(FWH^N >W2S
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M<R]]?_D;B6'A"Z>39-S^^#K '\$G[<&7S@LGT\)969>P@Q=%08$=#Y'0O.Y
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MS:<$QYVK=9[UO9UBGL,"N$5=[V*;-C;0-!SL3U(3AA@/U!N@6WV:DH'P/LU
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M)V(4UJB(%-PLFJ8@,IHET;73DVV-.H):S8!3MM S$T@>]&;7O%KE,/?NE/3
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M%C2(5:4"')T?JY?>YTD_?Q@<@%9O?.0'SA3,S<_##P]P[.// P?4\-M'\](
M&</UGQS^"S[\./S\:?__ U!+ P04    "  !@@M7)P0ZS3H#   X"P  $
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MF?C1WW39_AFG6>$YC(+9E&D0=B+1QL"@VM$09)5 E<)\;MF=C;H!:.S%\CV
MVJ @?AO@=W/Z>@>@J7&^?\WJ_7][.DC@IC_GM3(.I_A][KSWKV&S=B#J-^5&
M-PO.6CXOW\_K"<A* ]Q\W09,LQ82G*DXI.I8SPV[Z;<,:9NF[4#]4] D(6S"
MXWC%\N>1LBFM%<D](5MOA=<$V<!;(XA$<%X!=DM84]QAXV64VW9OA_,MCVA
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MA;&B$&25("^%]!I?AS8,+_(U]5(^<:6.]'^YDI^BV7\\HL[\#U!+ P04
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MR3]02P$"% ,4    "  !@@M7(-&B7APD  "Q\   #@              @ $
M    9#8V,S S,V0X:RYH=&U02P$"% ,4    "  !@@M74%*@!91D  #V#0(
M$0              @ %()   9#8V,S S,V1E>#$P,2YH=&U02P$"% ,4
M"  !@@M7.*2,;P N  "1^   $0              @ $+B0  9#8V,S S,V1E
M>#$P,RYH=&U02P$"% ,4    "  !@@M7)P0ZS3H#   X"P  $
M    @ $ZMP  <F1N+3(P,C,P.# Y+GAS9%!+ 0(4 Q0    (  &""U<#/!RM
M@ 8  +I&   4              "  :*Z  !R9&XM,C R,S X,#E?;&%B+GAM
M;%!+ 0(4 Q0    (  &""U<"]E!)Q 0  #,L   4              "  53!
L  !R9&XM,C R,S X,#E?<')E+GAM;%!+!08     !@ & 'P!  !*Q@     !

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
