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Investor Presentaiton

• Acquisition of Canadian Direct Background Announced February 10, 2015 $143 million in DPW Broadens direct presence for IFC Facilitates objective to double direct capabilities . Progress The transaction closed on May 1, 2015 and integration efforts are underway Targeting annual expense synergies of $10 million after-tax, and expect our run- rate to reach this level by mid-2017 IRR estimated above 15% Track record of strong underwriting results Acquisition of CDI adds meaningful presence in Western Canada 2014 IFC Direct Channel: $975M DPW* Direct Channel pro forma with CDI: $1.1B DPW* 30% 9%. 2% 59% 7% 8% 8% 51% 26%/ Ontario Quebec Atlantic Alberta ■B.C. * Includes Anthony Insurance and InnovAssur Intact Financial Corporation [10]
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