Investor Presentation FY2018

Page 2 | Investor Presentation Canada's largest home, auto and business insurer [intact] Largest market share in a fragmented industry 1 Distinct brands IFC 16% [intact] #2 10% #3 #4 6% 9% 2018 DPW by line of business INSURANCE 15% Top 5 represent 47% belairdirect. BrokerLink® U.S. platform #5 6% market share One Beacon INSURANCE GROUP Commercial Lines U.S. 15% Commercial Lines Canada 26% Industry data: IFC estimates based on MSA Research Inc. Please refer to Important notes on page 2 of the Q2-2019 MD&A for further information. 1 All market share data as at December 31, 2018. Personal Property 22% Personal Auto 37% 85%

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