Investor Presentaiton

36-month performance roadmap Beat industry ROE by 5 points every year NOIPS growth of 10% per year over time 3 pts Claims management Organic growth 3-5% 2 pts Pricing & Segmentation Capital management/deployment Investments and Margin 2 pts 0-3% capital management improvement * Leaves 2 points to reinvest in customer experience (price, product, service, brand) Intact Financial Corporation 3-5% [4]

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