Company: FRFXF
Filing Date: 2025-10-09
Form Type: F-10/A
Source: 0001104659-25-098335
Chunk: 73

Company: FAIRFAX FINANCIAL HOLDINGS LTD/ CAN
Filing Date: 2025-10-09
Form: F-10/A
Chunk 73
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 be paid by the Company, including fees and expenses of the exchange agent and trustees for the Initial Notes and the Exchange Notes and accounting, legal, printing and related fees and expenses relating to the Exchange Offers.

The Company will pay all transfer taxes, if any, applicable to the exchange of Initial Notes pursuant to each Exchange Offer. If, however, Exchange Notes or Initial Notes for principal amounts not tendered or accepted for exchange are to be registered or issued in the name of any person other than the registered holder of the Initial Notes tendered, or if tendered Initial Notes are registered in the name of any person other than the person signing the letter of transmittal, or if a transfer tax is imposed for any reason other than the exchange of Initial Notes pursuant to the applicable Exchange Offer, then the amount of any such transfer taxes imposed on the registered holder or any other persons will be payable by the tendering holder. If satisfactory evidence of payment of such taxes or exemption therefrom is not submitted with the letter of transmittal, the amount of such transfer taxes will be billed directly to such tendering holder.

#### Consequences of Failure to Exchange
Holders of Initial Notes who do not exchange their Initial Notes for Exchange Notes pursuant to the applicable Exchange Offer will continue to be subject to the restrictions on transfer of such Initial Notes as set forth in the legend thereon as a consequence of the issuance of the Initial Notes pursuant to exemptions from, or in transactions not subject to, (i) the registration requirements of the Securities Act and applicable state securities laws or (ii) the prospectus requirements of applicable securities laws in the provinces and territories of Canada, as applicable. The Company does not currently anticipate that it will register under the Securities Act the Initial Notes of either series that are not tendered and accepted for purchase in either Exchange Offer, and the Company is not obligated to do so under the terms of the Registration Rights Agreement once the Exchange Offer for the applicable series is completed. To the extent that Initial Notes of a series are tendered and accepted in the applicable Exchange Offer, the trading market for any untendered and tendered but unaccepted Initial Notes of such series could be adversely affected.

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TABLE OF CONTENTS

### INSURANCE REGULATORY MATTERS
We are subject to regulation under the insurance laws of the various jurisdictions in which our operating insurance subsidiaries are domiciled or conduct business.

The following is a summary of the principal insurance regulatory considerations in the United States, Canada, Bermuda and the United