Company: FLDDW
Filing Date: 2025-10-02
Form Type: 424B3
Source: 0001193125-25-227152
Chunk: 13

Company: Fold Holdings, Inc.
Filing Date: 2025-10-02
Form: 424B3
Chunk 13
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’s email address (or such other address provided in writing pursuant to clause 18), request from the Lender a Loan of a specific amount of Loan Assetswith the required information set out below (a “Utilisation Request”). Provided that the Lender receives such Utilization Request prior to 3:00 pm on a Request Day, the Lender shall by email directed to the Borrower’s email address (or such other address as the Borrower may specify in writing) accept or reject such Utilization Request. If Lender does not provide the Borrower with an acceptance or rejection as to a Utilization Request prior to Close of Business on a Request Day, such Utilization Request shall be deemed to be rejected by the Lender.

A Utilization Request from the Borrower shall contain the following proposed terms: (i) the amount of the Loan Assets requested, stated in USD;

(ii) the amount of Digital Assets to be provided as Collateral;

(iii) whether the Loan is to be an Open Loan, a Fixed Term Loan, a Fixed Term Loan with Prepayment Option or a Fixed Term Loan with Call Option;

(iv) the first Utilization Date; and

(v) the Maturity Date (if a Fixed Term Loan, a Fixed Term Loan with Prepayment Option or a Fixed Term Loan with Call Option).

If the Lender requires any amendments to the proposed terms in a Utilisation Request, the Lender shall provide notice of such amendments to the Borrower, and upon the Borrower’s acceptance of the amended terms, the Lender and the Borrower shall enter into a Loan Term Sheet in respect of that Utilisation Request.

The specific and final terms of a Loan shall be memorialized using the Loan Term Sheet, which shall be duly executed and delivered after the final terms of a Loan are agreed between the Parties and prior to the delivery of the Loan Assets. In the event of a conflict between this Agreement and a Loan Term Sheet, the terms in the Loan Term Sheet shall govern the relevant Loan.

The applicable Loan Term Sheet shall set forth the Commitment available to the Borrower.The Borrower may, from time to time, deposit Collateral into the Custodian account in order to support Loans and Utilization Requests made under such Commitment. After the Custodian confirms receipt of the applicable Collateral, the Lender shall disburse the Loan Assets by wire transfer of immediately available USD funds to the Borrower’s designated bank account as set forth in the Loan Term Sheet on or before the Close of Business on the Request Day