Intact Financial Investor Presentation — November 2021

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Intact Financial Corporation (TSX: IFC)

Q3-2021 Review of Performance

Wednesday, November 10, 2021Make itIntact

1Q3-2021 Review of Performance Page 2|

Forward -looking statements

Certain ofthestatements included inthis presentation about theCompany’s current and future plans, expectations and intentions, results, levels ofactivity, performance, goals orachievements orany other future events ord evelopments constitute forward -

looking statements .The words “may”, “will”, “would”, “should”, “could”, “expects”, “plans”, “intends”, “trends”, “indications”, “anticipates”, “believes”, “estimates”, “predicts”, “likely”, “potentia l” orthenegative orother variations ofthese words orother simila r

orcomparable words orphrases, areintended toidentify forward -looking statements .Unless otherwise ind icated, allforward -looking statements inthis presentation aremade asatSeptember 30,2021 ,and aresubject tochange after that date .This

presentation contains forward -looking statements with respect tothe acquisition (the “RSA Acquis ition”) ofRSA Insurance Group PLC (“RSA”) and thesale (the “Sale”) ofCodan Forsikring A/S’s Danish business (“Codan DK”) toAlm.Brand A/S group

(“Alm .Brand ”),theseparation and transfer ofthebusinesses inSweden and Norway from Codan DK(the "Separation"), thereceipt ofallrequis ite approvals orclearances oftheSeparation and theSale inatimely manner and onterms acceptable tothe

Company, therealization oftheexpected strategic, financial and other benefits oftheSale and with respect totheimpact ofCOVID -19and related economic conditions ontheCompany’s operations and financial performance .

Forward -looking statements are based onestimates and assumptions made bymanagement base d onmanagement’s experience and perception ofhistorical trends, current conditions and expected future developments, aswell asother factors that

management believes are appropriate inthecircumstances .Inaddition toother estimates and assumptions which may beidentified herein, estimates and assumptions have been made regarding, among other things, the realization oftheexpected

strategic, financial and other benefits oftheRSA Acquisition, theSeparation and theSale, and economic and politica l environments and industry conditions .However, thecompletion oftheSale issubject tocustomary closing conditions, termination rights

and other risks and uncertainties, including, without limitation, theSeparation, regulatory approvals and clearances, and there can benoassurance that theSale willbecompleted inatimely manner, oratall.There can a lso benoassurance that thestrategic

and financial benefits expected toresult from theRSA Acquisition, theSeparation ortheSale, willberealized .Many factors could cause theCompany’s actual results, performance orachievements orfuture events ordevelopments todiffer materially from