William Young

Ladies and gentlemen, [Foreign Language], good afternoon. My name is Bill Young, and I'm the Chair of the Board of Directors of Intact Financial Corporation. On behalf of the directors, I would like to welcome you to the 2026 Annual Meeting of Shareholders of the company.

Welcome to the Annual Meeting of Shareholders of Intact Financial Corporation. It is a privilege for me to chair this meeting and address our shareholders. Please note that this meeting will take place in both English and French. Simultaneous translation is being provided through our webcast, and we welcome questions in either language. In addition, closed captioning is available by clicking on the CC button located on the top right side of your screen when you are in the English or French channel. Should you have any technical issues during the meeting, please e-mail support-ca@lumiglobal.com.

As Chair of the Board of Directors of the company, I will act as Chair of this meeting as per the company's bylaws. I now call the meeting to order.

I would like to draw your attention to the forward-looking statements and disclaimer currently displayed on the webcast page. Certain forward-looking statements may be made during this meeting and actual results could differ from these statements.

Joining me today are Charles Brindamour, Chief Executive Officer of the company, who will deliver his report later in the meeting; and Stephanie Lee, Senior Vice President and General Counsel, who will act as Secretary of the meeting. My fellow directors as well as members of the senior management of the company have also joined for today's meeting.