I'm not a skydiver, but you fall slower at terminal velocity when you expose as much of your body (including hands) to the 'wind'. Belly down is slower than feet first, because you expose greater surface area to the air, which increases the drag. At terminal velocity, the skydivers weight is equal to the air drag force. Without getting into the actual Physics too much, the drag force at terminal velocity V on a cylindrical surface is 0.00256V^2( A) , where V is in mph and A is the area of the body exposed to the wind, in square feet. So if a person with gear weighs 200 pounds and exposes full body to the wind (say 10 square feet to use a number) the air drag force at terminal velocity is 200 pounds, solve for V and you get about 90 mph. If you fall feet first if that is possible, then your exposed surface area is about say I don't know about 2 square feet, so V works out to about 200 mph . These are real rough numbers, depends on shape factor whether surface area is flat or cylindrical or rolled up a ball, and other factors.