Intact Financial Investor Presentation — July 2024

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Intact Financial Corporation (TSX: IFC)

Q2-2024 Review of Performance

Forward -looking statements

Certain of the statements included in this presentation about the Company’s current and future plans, expectations and intentions, 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”, “intends”, “trends”,

“indicates”, “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, 2024 , and are subject to change after that date.

This presentation contains forward -looking statements with respect to the acquisition of Direct Line Insurance Group plc’s (“DLG”) brokered Commercial Lines operations (“the DLG

acquisition”), the exit of Royal & Sun Alliance Insurance Limited from the UK personal lines market, including the sale of our UK direct personal lines operations to Admiral Group plc

(“Admiral”), the realization of the expected strategic, financial and other benefits of the transactions and the related economic conditions on the Company’s operations and financial

Forward -looking statements are based on estimates and assumptions made by management based on management’s experience and perception of historical trends, current conditions and

expected future developments, as well as other factors that management believes are appropriate in the circumstances . In addition to other estimates and assumptions which may be identified

herein, estimates and assumptions have been made regarding, among other things, the realization of the expected strategic, financial and other benefits of the DLG acquisition, Royal & Sun

Alliance Insurance Limited’s exit from the UK personal lines, including the sale of our UK direct personal lines operations to Admiral, economic and political environments as well as industry

conditions . There can also be no assurance that the strategic and financial benefits expected to result from the DLG acquisition will be realized . 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