Investor Presentaiton
Forward-looking statements
Certain of the statements included in this presentation about the Company's current and future plans, expectations and intentions, 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 forward-looking statements.
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 actual 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 accurately assess 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 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; government
regulations designed to protect policyholders and creditors rather than investors; litigation and regulatory actions; periodic negative publicity regarding the
insurance industry; intense competition; the Company's reliance on brokers and third parties to sell its products to clients; the Company's ability to
successfully pursue its acquisition strategy; the Company's ability to execute its business strategy; the Company's ability to achieve synergies arising from
successful integration plans relating to acquisitions including its acquisition of Canadian Direct Insurance Inc. ("CDI"), as well as management's estimates
and expectations in relation to resulting accretion, internal rate of return and debt-to-capital ratio; the Company's participation in the Facility Association (a
mandatory pooling arrangement among all industry participants) and similar mandated risk-sharing pools; terrorist attacks and ensuing events; the
occurrence of catastrophic events; the Company's ability to maintain its financial strength and issuer credit ratings; access to debt financing and the
Company's ability to compete for large commercial business; the Company's ability to alleviate risk through reinsurance; the Company's ability to
successfully manage credit risk (including credit risk related to the financial health of reinsurers); the Company's reliance on information technology and
telecommunications systems and potential disruption to those systems, including evolving cyber attack risk; the Company's dependence on key employees;
changes in laws or regulations; general economic, financial and political conditions; the Company's dependence on the results of operations of its
subsidiaries; the volatility of the stock market and other factors affecting the Company's share price; and future sales of a substantial number of its common
shares.
All of the forward-looking statements included in this presentation are qualified by these cautionary statements and those made in the Risk management
section of our MD&A for the year ended December 31, 2014. These factors are not intended to represent a complete list of the factors that could affect the
Company. These factors should, however, be considered carefully. Although the forward-looking statements are based upon what management believes to
be reasonable assumptions, the Company cannot assure investors that actual results will be consistent with these forward-looking statements. When relying
on forward-looking statements to make decisions, investors should ensure the preceding information is carefully considered. Undue reliance should not be
placed on forward-looking statements made herein. The Company and management have no intention and undertake no obligation to update or revise any
forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law.
Intact Financial Corporation
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