PUBLIC ACCOUNTABILITY STATEMENT

Forward-looking statements | Certain of the statements included or incorporated by reference in this report about
our 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 within the meaning of securities laws, including
applicable Canadian securities legislation. These forward-looking statements include, among others, statements with respect
our beliefs and intentions, our vision, our strategic goals and priorities, including our environmental actions.
We caution readers not to place undue reliance on these statements, as a number of risk factors could cause our results
and intentions to differ materially from the expectations expressed in this report. These factors — many of which are beyond
our control and the effects of which can be difficult to predict – encompass credit, market, operational, and liquidity and
funding risks. Other factors include general business, economic and financial market conditions in Canada and abroad. Our
ability to successfully execute on our strategic goals and priorities could cause our actual results to differ materially from the
expectations expressed in this report. Additional information about these and other factors can be found in our 2012 MD & A.
Trademarks | ®Intact Small Straight Lines Design, Intact Design, Intact Insurance Design, Grey Power & Tag Design,
Climate Change Adaptation Project & Design are registered trademarks of Intact Financial Corporation. TM Podium Tracker is a
trademark of Intact Insurance Company used under license. ®belairdirect. Design is a registered trademark of Belair Insurance
Company Inc. used under license. ®Brokerlink & Design is a registered trademark of Canada Brokerlink Inc. used under
license. ®Jevco & Design is a registered trademark of Jevco Insurance Company used under license. All other trademarks
are properties of their respective owners. ©2013 Intact Financial Corporation. All rights reserved.
Disclaimers | Belairdirect received the highest numerical score among home insurance providers in the Ontario/Atlantic
Region in the proprietary J.D. Power and Associates 2012 Canadian Home Insurance Study SM . Study based on 7,716 total
responses measuring 15 providers in the Ontario/Atlantic Region (NB, NL, NS, ON, PE) and measures consumer satisfaction
with home insurance providers. Proprietary study results are based on experiences and perceptions of consumers surveyed
in July-August 2012. Your experiences may vary. Visit www.jdpower.com
Grey Power received the highest numerical score among auto insurance providers in the Ontario/Atlantic Region in the
proprietary J.D. Power and Associates 2012 Canadian Auto Insurance Customer Satisfaction Study SM . Study based on
11,620 total responses measuring 20 providers in the Ontario/Atlantic Region (NB, NL, NS, ON, PE) and measures consumer
satisfaction with auto insurance providers. Proprietary study results are based on experiences and perceptions of consumers
surveyed in June-July 2012. Your experiences may vary. Visit www.jdpower.com
INTACT FINANCIAL CORPORATION – 2012 PUBLIC ACCOUNTABILITY STATEMENT
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