5-1-3d R may choose to decline the penalty and take the results of the play and keep the ball at spot of recovery. If they accept the penalty for the holding foul, K will replay the down after enforcement from the previous spot. The foul occurred during a loose ball play.
5-1-3d In PlayPic A, the team A runner fumbles and a team B player picks it up on the run (PlayPic B). The defender advances, only to be hit from behind, causing another fumble (PlayPic C). The play ends when a prone team A player recovers the loose ball (PlayPic D). Because team A has the ball after a change of team possession, team A is awarded a new series. It does not matter what the down was when the ball was snapped.