Company: FLDDW
Filing Date: 2025-10-02
Form Type: 424B3
Source: 0001193125-25-227152
Chunk: 30

Company: Fold Holdings, Inc.
Filing Date: 2025-10-02
Form: 424B3
Chunk 30
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 counterpart of this Agreement.

(f) Relationship of Parties

Nothing contained in this Agreement shall be deemed or construed by the Parties, or by any third party, to create the relationship of partnership or joint venture between the parties hereto, it being understood and agreed that no provision contained herein shall be deemed to create any relationship between the parties hereto other than the relationship of the Borrower and Lender.

(g) No Waiver

The failure of or delay by either Party to enforce an obligation or exercise a right or remedy under any provision of this Agreement or to exercise any election in this Agreement shall not be construed as a waiver of such provision, and the waiver of a particular obligation in one circumstance will not prevent such Party from subsequently requiring compliance with the obligation or exercising the right or remedy in the future. No waiver or modification by either Party of any provision of this Agreement shall be deemed to have been made unless expressed in writing and signed by both parties.

(h) Third party rights

Unless expressly provided to the contrary in a Loan Document a person who is not a Party has no right to enforce or enjoy the benefit of any term of this Agreement.

(i) Termination

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The term of this Agreement shall commence on the date hereof for a period of one year, and shall be automatically renewed for successive one-year terms annually, unless either Party provides notice of a desire to terminate the contract no less than ten (10) days prior to the end of such one-year period. Notwithstanding the aforementioned, this Agreement may be terminated by a Party giving at least 30 days’ notice of termination to the other Party. All Loan Balance outstanding for all Loans together with accrued interest and all other amounts accrued or outstanding under the Loan Documents shall be immediately due and payable on the termination date.

(j) Insurance

Lender shall, at its own expense, maintain throughout the term of this Agreement a Cyber Liability/Network Security and Privacy Insurance policy with financially sound and reputable insurers in an amount not less than $1,000,000 per claim and in the aggregate. Such policy shall name Borrower as an additional insured (to the extent applicable), provide that coverage shall not be cancelled, non-renewed, or materially reduced without at least thirty (30) days’ prior written notice to Borrower, and be primary and non-contributory with any insurance maintained by Borrower. The policy shall also contain a waiver of subrogation in favor of Borrower. Lender shall provide Borrower with a certificate of