Company: FLDDW
Filing Date: 2025-10-02
Form Type: 424B3
Source: 0001193125-25-227152
Chunk: 18

Company: Fold Holdings, Inc.
Filing Date: 2025-10-02
Form: 424B3
Chunk 18
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 Termination of Loans Due to Hard Fork

In the event of a Hard Fork in the Blockchain for any Digital Asset, any outstanding Loans will not be automatically terminated. The Borrower and the Lender may agree to terminate a Loan without any penalties on an agreed date. Nothing herein shall relieve the Borrower’s and the Lender’s obligations under this Agreement.

(c) Hard Forks

If any Digital Asset undergoes a Hard Fork, any new or additional tokens created therefrom (the “New Tokens”) shall belong to the Borrower. The Borrower shall have no obligation to deliver or transfer such tokens, or their value, to the Lender. For the avoidance of doubt, any New Tokens shall remain in the custody arrangement established with the Custodian in accordance with this Agreement, and upon repayment in full of all outstanding Loans hereunder, such New Tokens shall be released and delivered to Borrower in the same manner and at the same time as the Digital Assets to which they relate.

7. Parties’ Representations and Warranties

The Parties hereby make the following representations, warranties and agreements to the other Party on the date of this Agreement and the representations and warranties are deemed to be repeated on each day by reference to the facts and circumstances existing at the date the representation or warranty is deemed to be made.

<div align='center'>(a) It is a limited liability corporation or, where relevant, a company limited by shares, as applicable, duly incorporated and validly existing under the laws of its jurisdiction of incorporation.</div>

(b) It has the power to own its assets and carry on its business as it is being conducted. (c) It is capable of being sued in its own right.

(d) The obligations expressed to be assumed by it in each Loan Document to which it is a party are legal, valid, binding and enforceable obligations.

(e) The entry into and performance by it of, and the transactions contemplated by, the Loan Documents do not and will not conflict with:

(i) any material law or regulation applicable to it;

(ii) its constitutional documents; or

<div align='center'>-13-</div>

(iii) any agreement or instrument binding upon it or its assets or constitute a default or termination event (however described) under any such agreement or instrument, in each case, if such conflict, default or termination event has or is reasonably likely to have a Material Adverse Effect.

(f) It has the power to enter into, perform and deliver, and has taken all necessary action to authorize its