Company: FLDDW
Filing Date: 2025-10-02
Form Type: 424B3
Source: 0001193125-25-227152
Chunk: 32

Company: Fold Holdings, Inc.
Filing Date: 2025-10-02
Form: 424B3
Chunk 32
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 reasonablecosts andloss or liability incurred by the Lender (or its Affiliate, officer or employee) in connection with or arising out of the use of proceeds under the Loan or the funding of the Loan or the transaction contemplated under and in connection with the Loan

Documents, unless such loss or liability is caused by the gross negligence or willful misconduct of the Lender (or the employee or officer of the Lender). Any Affiliate, officer or employee of the Lender may rely on this clause 20 (b) and the provisions of the Third Parties Act.

IN WITNESS WHEREOF, the Parties have caused this Agreement to be executed and delivered as of the date first above written.

LENDER: BORROWER:

Two Prime Lending Limited Fold, Inc.

By:By:

Name: Name: Will Reeves

Title: Title: Chief Executive Officer

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SCHEDULE 1 (AUTHORIZEDAGENTS)

<div align='center'>-24-</div>

S CHEDULE 2 (T ERM S HEETS ) LOAN TERM SHEET – MASTER LOAN The following loan agreement incorporates all of the terms of the Master Loan Agreement entered into by Two Prime Lending Limited (“Two Prime”) and Fold, Inc. on October 1, 2025, and the following specific terms: Borrower: Fold, Inc. Lender: Two Prime Lending Limited. Digital Asset Type: Bitcoin. Loan Assets: Up to 45,000,000 USD. Loan Fee: 6.5 percent per ann. Early Termination Fee: 0 percent Loan Type: Fixed Term Loan with Prepayment Option. First Utilization Date: 10/1/2025 Maturity Date: 10/1/2026 Initial Collateral Level: 250 percent. Collateral: Bitcoin as deposited by Borrower from time to time. Collateral Call Level: 175 percent. Liquidation Level: 150 percent. Collateral Refund Level: 345 percent. Call Option: No.

| Bank account details designated by Two Prime for repayment of USD Loan Assets                                          | Bank account details designated by Borrower for receipt of USD Loan Assets                                                                                                                                       |
| Account Title: Two Prime Lending Limited  USD Address/Bank: Account Number:  Routing Number:                           | Account Title: Fold, Inc  USD Address/Bank:  Beneficiary address: 2942 North 24th Street, Suite 115, #42035, Phoenix, Arizona 850