Company: FRFXF
Filing Date: 2025-03-26
Form Type: 424B3
Source: 0001104659-25-028272
Chunk: 8

Company: FAIRFAX FINANCIAL HOLDINGS LTD/ CAN
Filing Date: 2025-03-26
Form: 424B3
Chunk 8
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 recoverables being later than 
 anticipated by us;                                                                                     |

| · | risks associated with any use we may make of derivative instruments; |

| · | the failure of any hedging methods we may employ to achieve their desired risk management objective; |

| · | a decrease in the level of demand for insurance or reinsurance products, or increased competition in the 
 insurance industry;                                                                                      |

| · | the impact of emerging claim and coverage issues or the failure of any of the loss limitation methods 
 we employ;                                                                                            |

| · | our inability to access cash of our subsidiaries; |

| · | an increase in the amount of capital that we and our subsidiaries are required to maintain and our inability 
 to obtain required levels of capital on favorable terms, if at all;                                          |

| · | the loss of key employees; |

| · | our inability to obtain reinsurance coverage in sufficient amounts, at reasonable prices or on terms that 
 adequately protect us;                                                                                    |

| · | the passage of legislation subjecting our businesses to additional adverse requirements, supervision or                            
 regulation, including additional tax regulation, in the United States, Bermuda, Canada or other jurisdictions in which we operate; |

| · | risks associated with applicable laws and regulations relating to sanctions and corrupt practices in foreign 
 jurisdictions in which we operate;                                                                           |

| · | risks associated with government investigations of, and litigation and negative publicity related to, 
 insurance industry practice or any other conduct;                                                     |

| · | risks associated with political and other developments in foreign jurisdictions in which we operate; |

| · | risks associated with legal or regulatory proceedings or significant litigation; |

| · | failures or security breaches of our computer and data processing systems; |

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| · | the influence exercisable by our significant shareholder; |

| · | adverse fluctuations in foreign currency exchange rates; |

| · | our dependence on independent brokers over whom we exercise little control; |

| · | financial reporting risks associated with IFRS 17 (as defined below); |

| · | financial reporting risks relating to deferred taxes associated with amendments to IAS 12 (as defined 
 below);                                                                                               |

| · | impairment of the carrying value of our goodwill, indefinite-lived intangible assets or investments in 
 associates;                                                                                            |

| · | our failure to realize deferred income tax assets; |

| · | technological or other change that adversely impacts demand, or the premiums payable, for the insurance 
 coverages we offer;                                                                                     |

|