Company: FLDDW
Filing Date: 2025-10-02
Form Type: 424B3
Source: 0001193125-25-227152
Chunk: 37

Company: Fold Holdings, Inc.
Filing Date: 2025-10-02
Form: 424B3
Chunk 37
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 Borrower sends the Second Notification (the “Second Notification Period”) to return the Excess Collateral to the Custodian.

If the Excess Collateral is not received by the Custodian in the applicable Digital Asset Address designated by the Borrower by the end of the Second Notification Period, the Borrower shall be entitled to retain the Loan Assets, provided however, the excess proceeds after paying off the Loan Balance outstanding for the Loan together with accrued interest and all other amounts accrued or outstanding under the Loan Documents shall be returned the Lender.

Liquidation Level

If during the term of a Loan, the Collateral Level falls below the Liquidation Level as set forth on the Loan Term Sheet, this shall automatically trigger an Event of Default and the Lender shall have the right to sell the Collateral in any legal manner and through any legal market or dealer (without prior notice to the Borrower, unless required by law) and shall be entitled to exercise its rights under clause 12. The Borrower understands and agrees that it shall have no right or opportunity to

determine the Digital Assets to be sold or the order, manner or price of sale. The Lender shall have no liability for any loss sustained by the Borrower in connection with such sale (or if the Lender delays affecting, or does not effect, such sale).The Borrower expressly waives any rights to receive prior notice (including notice of an Event of Default) or demand from the Lender in respect of the exercise of any rights by the Lender pursuant to this paragraph and agrees that any prior demand, notice, announcement, or advertisement shall not be deemed a waiver of the Lender’s right, nor is the Lender bound by such notification(s) to forestall the exercise of such rights.

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