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

Company: Fold Holdings, Inc.
Filing Date: 2025-10-02
Form: 424B3
Chunk 10
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 set forth in Schedule 2 or in any other form approved by Lender (as may

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be amended and supplemented from time to time pursuant to the terms of this Agreement). For the avoidance of doubt, Borrower and Lender may enter into multiple and/or successive Loan Term Sheets, each of which shall constitute a separate Loan under this Agreement.

“Margin Loan”means a Loan granted pursuant to this Margin Loan Agreement.

“Master Loan”means a Loan granted pursuant to this Master Loan Agreement.

“MaterialAdverseEffect” means a material adverse effect on:

the business or financial condition; or

(b) the ability of the Borrower or Lender to perform their respective obligations under the Loan Documents; or the validity or enforceability of, or the effectiveness or ranking of any Collateral granted or purported to be granted pursuant to any of, the Loan Documents or the rights or remedies of the Lender under any of the Lender Documents.

“Maturity Date”means the date on which all Loan Balances are due and payable (including a repayment by way of the Lender exercising its Call Option).

“New Token” has the meaning given in clause 6.

“Open Loan” means a Loan without a Maturity Date where the Borrower has a Prepayment Option and Lender has a Call Option.

"Potential Event of Default" means an event which, with the giving of notice, lapse of time, expiry of any applicable grace period or the making of any determination by us, would constitute an Event of Default.

“Prepayment Option” means option granted to the Borrower to repay or return the Loan Assets prior to the relevant Maturity Date in accordance with the terms of this Agreement and without incurring Early Termination Fees.

“Price Exposure Hedging”means any hedging transaction(s) entered into, placed or executed by the Lender relating to price exposure in respect of any or all the Borrower’s Holding Asset, Loan Assets and/or Collateral (as applicable) under this Agreement, including without limitation the purchase of, or dealing in, any perpetual contracts, options, spot purchases of assets (including Digital Assets) and other derivatives or financial markets contracts (and on-exchange or bilaterally over-the-counter) referencing Digital Assets.

“Relevant Jurisdiction” means, in relation to the Borrower:

(a) its jurisdiction of incorporation;

(b) any jurisdiction where any asset subject to or intended to be subject to the security to be created by it is situated; and