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Investor Presentaiton

Track record of prudent reserving practices Quarterly and annual fluctuations in reserve development are normal 2005 reserve development was unusually high due to the favourable effects of certain auto insurance reforms • Our consistent track record Rate of claims reserve development (favourable prior year development as a % of opening reserves) 9% 7.9% 8% 7% 6% 5% 4% 3.3% 3% 2% 1% conservative approach to 0% establishing and managing claims reserves of positive reserve development reflects our preference to take a 4.9% 4.0% 3.2% 2.9% 5.7% 4.8% 4.9% 5.1% 4.9% 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 Intact Financial Corporation [21]

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