Intact Financial Investor Presentation — March 2018

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Leading. Transforming. Outperforming. INVESTOR DAY MARCH

26 2018 IFC Investor Day 2018 | PAGE 2 | Agenda

INTRODUCTION & UPDATE - Charles Brindamour

SPECIALTY LINES - Mike Miller

DATA & TECHNOLOGY - Mathieu Lamy, Jean-François Lessard , Imen Zitouni

INVESTMENT MANAGEMENT - Werner Muehlemann

CAPITAL - Louis Marcotte PERSONAL AUTO UPDATE - Darren Godfrey

FINAL Q&A CLOSING REMARKS - Charles Brindamour 13:00

16:20 16:10 WELCOME - Ken Anderson IFC Investor Day 2018 | PAGE 3 | Opening

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”, “intends”, “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 for ward-looking statements. This presentation contains forward-looking statements with respect to the

acquisition (the “Acquisition”) of OneBeacon Insurance Group, Ltd. (“OneBeacon”) and the integration and future plans relating t o the Acquisition.

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. Many factors could cause the Company’s actu al 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 factors: the Company’s ability to implement its strategy or operate its business as management currently expects; its ability to generate greater personal auto and specialty platforms profitability; its ability to accurately asses s 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 Ontario personal auto line of business, catastrophe losses caused by severe weather and other weather -related losses; government regulations