Company: FRFXF
Filing Date: 2025-10-01
Form Type: F-10
Source: 0001104659-25-095645
Chunk: 12

Company: FAIRFAX FINANCIAL HOLDINGS LTD/ CAN
Filing Date: 2025-10-01
Form: F-10
Chunk 12
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 Factors” section of this short form prospectus and the documents incorporated by reference into this short form prospectus for a further discussion of these risks and uncertainties.

Should one or more risk, uncertainty, contingency or other factor materialize or should any factor or assumption prove incorrect, actual results could vary materially from those expressed or implied in the forward-looking information. Accordingly, you should not place undue reliance on forward-looking information. We do not assume any obligation to update or revise any forward-looking information after the date of this short form prospectus or to explain any material difference between subsequent actual events and any forward-looking information, except as required by applicable law.

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TABLE OF CONTENTS

### SUMMARY TERMS OF THE EXCHANGE OFFERS AND THE EXCHANGE NOTES
We are able to incorporate by reference information into this short form prospectus, which means we can disclose important information to you in documents outside this short form prospectus. This summary is qualified in its entirety by and should be read in conjunction with the detailed information and financial statements incorporated by reference into this short form prospectus. This summary and the “Description of the Business” section that follows highlight selected information contained elsewhere in, or incorporated by reference into, this short form prospectus. You should read the entire short form prospectus and the information incorporated herein closely.

The Company is offering to exchange up to (i) $500,000,000 aggregate principal amount of 2035 Initial Notes for an equal principal amount of 2035 Exchange Notes and (ii) $400,000,000 aggregate principal amount of 2055 Initial Notes for an equal principal amount of 2055 Exchange Notes. In order to exchange your Initial Notes, you must validly tender them, as instructed herein and in the letter of transmittal. Subject to certain conditions, the Company will exchange all outstanding Initial Notes that are validly tendered and not validly withdrawn. The Company will issue the respective Exchange Notes of each series as promptly as practicable after the expiration of the respective Exchange Offer.

#### The Exchange Offers
**Exchange Offers:**

The Company will exchange your Initial Notes of the applicable series for an equal aggregate principal amount of Exchange Notes of such series.

**Resale of Exchange Notes:**

Based on an interpretation by the staff of the SEC set forth in no-action letters issued to third parties, you may offer the Exchange Notes for resale, resell and otherwise transfer them without compliance with the registration or prospectus delivery provisions of the Securities Act if:

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