Intact Financial Investor Presentation — July 2019

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Review of PerformanceQ2-2019

Wednesday, July 31, 2019

Intact Financial Corporation (TSX: IFC)Q2-2019 Review of Performance Page 2|

Forward -looking statements

Certain of the statements included in this Presentation about the Company’s current and future plans, expectations and intent ions, results, levels of activity, performance, goals or achievements or any other future events or

developments constitute forward -looking statements. The words “may”, “will”, “would”, “should”, “could”, “expects”, “plans”, “in tends”, “trends”, “indications”, “anticipates”, “believes”, “estimates”, “predicts”, “likely”, “potential”

or the negative or other variations of these words or other similar or comparable words or phrases, are intended to identify forward -looking statements. Unless otherwise indicated, all forward -looking statements in this

Presentation are made as at June 30, 2019, and are subject to change after that date.

Forward -looking statements are based on estimates and assumptions made by management based on management’s experience and percep tion of historical trends, current conditions and expected future developments,

as well as other factors that management believes are appropriate in the circumstances. Many factors could cause the Company’ s actual results, performance or achievements or future events or developments to differ

materially from those expressed or implied by the forward -looking statements, including, without limitation, the following facto rs:

•the Company’s ability to implement its strategy or operate its

business as management currently expects;

•its ability to accurately assess the risks associated with the

insurance policies that the Company writes;

•unfavourable capital market developments or other factors which

may affect the Company’s investments, floating rate securities and

funding obligations under its pension plans;

•the cyclical nature of the P&C insurance industry;

•management’s ability to accurately predict future claims frequency

and severity, including in the personal auto line of business;

•government regulations designed to protect policyholders and

creditors rather than investors;

•litigation and regulatory actions;

•periodic negative publicity regarding the insurance industry;

•intense competition;

•the Company’s reliance on brokers and third parties to sell its

products to clients and provide services to the Company;

•the Company’s ability to successfully pursue its acquisition strategy;

•the Company’s ability to execute its business strategy;