Company: FLDDW
Filing Date: 2025-10-02
Form Type: 424B3
Source: 0001193125-25-227152
Chunk: 20

Company: Fold Holdings, Inc.
Filing Date: 2025-10-02
Form: 424B3
Chunk 20
---
 reasonably likely to have a Material Adverse Effect.

(f) No litigation, arbitration or administrative proceedings or investigations of, or before, any court, arbitral body or agency which, if adversely determined, might reasonably be expected to have a Material Adverse Effect have (to the best of its knowledge and belief (having made due and careful enquiry)) have been started or threatened against it.

(g) No judgment or order of a court, arbitral body or agency which is reasonably likely to have a Material Adverse Effect has (to the best of its knowledge and belief (having made due and careful enquiry)) has been made against it.

(h) It is acting for its own account.

<div align='center'>-14-</div>

(i) Neither it nor any of its assets are immune to any legal action or proceeding.

(j) It is not insolvent and is not subject to any bankruptcy or insolvency proceedings under any Applicable Laws.

(k) It has or will have at the time of transfer of any Collateral, the legal and beneficial ownership and ofthe Collateral with the Custodian for the benefit of the Lender subject to the terms and conditions hereof and Custody Agreement.Lender has or will have first priority ranking and it is not subject to any prior ranking security (other than those permitted hereunder or by the Lender).

(l) It is a public reporting company and satisfies its financial reporting obligations by filing quarterly and annual reports with the U.S. Securities and Exchange Commission (“SEC”). Delivery of such reports, as filed on EDGAR, shall be deemed delivery to the Lender for purposes of this Agreement. Such reports present in all material respects the consolidated financial condition and results of operations of the Borrower and its consolidated subsidiaries, in conformity with generally accepted accounting principles consistently applied.

<div align='center'>(m) It will not engage in any market activity or commit any act that could or is likely to damage the fairness, integrity, proper functioning or orderliness of the Custodian.</div>

(n) It will comply with all Applicable Rules with respect to all Trades entered into through the Custodian(if applicable).

9. Borrower’s Covenants

The undertakings in this clause 9 remain in force from the date of this Agreement for so long as any amount is outstanding under the Loan Documents (other than indemnity claims which have not been raised).

(a) The Borrower shall promptly:

a. obtain, comply with and do all that is reasonably necessary to maintain in full force and effect; and