Company: FRFXF
Filing Date: 2025-10-09
Form Type: F-10/A
Source: 0001104659-25-098335
Chunk: 11

Company: FAIRFAX FINANCIAL HOLDINGS LTD/ CAN
Filing Date: 2025-10-09
Form: F-10/A
Chunk 11
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our inability to access cash of our subsidiaries;

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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;

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the loss of key employees;

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

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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;

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

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

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

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risks associated with legal or regulatory proceedings or significant litigation;

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

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the influence exercisable by our significant shareholder;

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adverse fluctuations in foreign currency exchange rates;

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

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

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

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

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our failure to realize deferred income tax assets;

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risks associated with Canadian or foreign tax laws, or the interpretation thereof;

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

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disruptions of our information technology systems;

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assessments and shared market mechanisms that may adversely affect our insurance subsidiaries;

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risks associated with the conflicts in Ukraine and Israel and the development of other geopolitical events and economic disruptions worldwide; and

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risks associated with tariffs, trade restrictions, or other regulatory measures imposed by domestic or foreign governments that may, directly or indirectly, affect our business.

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TABLE OF CONTENTS

See the “Risk 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