Company: FLDDW
Filing Date: 2025-10-02
Form Type: 424B3
Source: 0001193125-25-227152
Chunk: 36

Company: Fold Holdings, Inc.
Filing Date: 2025-10-02
Form: 424B3
Chunk 36
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 hours from the time the requesting party sends such First Notification if sent on a Business Day during Business Hours or twenty-four (24) hours from the time the requesting party sends such First Notification if sent outside of Business Hours (the First Notification Period ”) to

respond and send the Additional Collateral to the Custodian or return the Excess Collateral to the Borrower from the Custodian; or

acting reasonably and in good faith, respond that the Collateral Level has changed sufficiently such that the transfer of Excess Collateral to the Custodian or the return of Excess Collateral from the Custodian (as applicable) is no longer required (a “ Rejection ”).

The Borrower’s failure to respond to the First Notification within the First Notification Period will trigger an Event of Default and the Lender shall be entitled to exercise its rights under clause 12 .

If the Borrower responds to the First Notification:

with a Rejection and the Collateral Level is still below the Initial Call Level; or

but fails to provide the Additional Collateral by the end of the First Notification Period,

the Lender shall send a second email notification (the “Second Notification”) to the Borrower setting out the relevant Details. The Borrower shall have another twelve(12) hours from the time the Lender sends the Second Notification (the “Second Notification Period”) to provide the Additional Collateral to the Custodian.

If the Additional Collateral is not received by the Custodian by the end of the Second Notification Period, this shall automatically trigger an Event of Default and the Lender shall be entitled to exercise its rights under clause 12.

If the Lender fails to respond to the First Notification within the First Notification Period, the Borrower shall be entitled to retain the Loan Assets, provided however, the excess proceeds after first 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.

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If the Lender responds to the First Notification:

with a Rejection and the Collateral Level is still above the Collateral Refund Level; or

but fails to return the Excess Collateral to the Custodian in the applicable Digital Asset Address designated by the Borrower by the end of the First Notification Period,

the Borrower shall send a second email notification (the “Second Notification”) to the Lender setting out the relevant Details. The Lender shall have another six (6) hours from the time the