Company: FLDDW
Filing Date: 2025-11-25
Form Type: 424B3
Source: 0001193125-25-293909
Chunk: 5

Company: Fold Holdings, Inc.
Filing Date: 2025-11-25
Form: 424B3
Chunk 5
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 Collateral except in accordance with the Custody Agreement and this Agreement. Upon repayment in full of the Obligations, Lender shall promptly cause any Permitted Re-Pledge to be terminated and released. Borrower shall bear all third-party custody, wallet and storage fees for the Collateral. 2. Those certain terms as stated on Schedule 2 of the Master Loan Agreement are hereby amended and restated to read as follows: Borrower: Fold, Inc. Lender: Two Prime Lending Limited. Digital Asset Type: Bitcoin. Loan Assets: Up to 45,000,000 USD. Loan Fee: 8.5 percent per ann. Early Termination Fee: 0 percent Loan Type: Fixed Term Loan with Prepayment Option. First Utilization Date: 9/30/2025 Maturity Date: 9/30/2026 Initial Collateral Level: 160 percent. Collateral: Bitcoin as deposited by Borrower from time to time. Collateral Call Level: 135 percent.

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Liquidation Level: 115 percent. Collateral Refund Level: 190 percent. Call Option: No. 3. Except as expressly amended herein, all terms and provisions of the Master Loan Agreement (including all schedules thereto) shall remain unchanged and in full force and effect. IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed by their duly authorized representatives as of the date first above written.

| Two Prime Lending Limited                                                       | Fold, Inc.                     |
| By: /s/ Alexander Blume________Name: Alexander BlumeTitle: Authorized Signatory | By: /s/ Will Reeves_________   
 Name: Will Reeves              
 Title: Chief Executive Officer |

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