Intact Financial Investor Presentation — July 2020

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Review of PerformanceQ2-2020

Wednesday, July 29, 2020

Intact Financial Corporation (TSX: IFC)Q2-2020 Review of Performance Page 2|

Forward -looking statements

Certain ofthestatements included inthisPresentation about theCompany’s current andfuture plans, expectations andintentions, results, levels ofactivity, performance, goals orachievements oranyother future events ordevelopments constitute

forward -looking statements .Thewords “may”, “will”, “would”, “should”, “could”, “expects”, “plans”, “intends”, “trends”, “indications”, “anticipates”, “believes”, “estimates”, “predicts”, “likely”, “potential” orthenegative orother variations ofthese words orother

similar orcomparable words orphrases, areintended toidentify forward -looking statements .Unless otherwise indicated, allforward -looking statements inthispresentation aremade asJune 302020 ,andaresubject tochange after thatdate.This

presentation contains forward -looking statements withrespect totheimpact ofCOVID -19andrelated economic conditions ontheCompany’s operations andfinancial performance .

Forward -looking statements arebased onestimates andassumptions made bymanagement based onmanagement’s experience andperception ofhistorical trends, current conditions andexpected future developments, aswellasother factors that

management believes areappropriate inthecircumstances .Many factors could cause theCompany’s actual results, performance orachievements orfuture events ordevelopments todiffer materially from those expressed orimplied bytheforward -

looking statements, including, without limitation, thefollowing factors :

• expected regulatory processes and outcomes in connection with its

• 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, including the

impact of the COVID -19 pandemic and related economic conditions,

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 high net worth and personal auto lines of

• government regulations designed to protect policyholders and creditors

rather than investors;

• litigation and regulatory actions, including with respect to the COVID -19

• periodic negative publicity regarding the insurance industry;