Company: FLDDW
Filing Date: 2025-10-02
Form Type: 424B3
Source: 0001193125-25-227152
Chunk: 14

Company: Fold Holdings, Inc.
Filing Date: 2025-10-02
Form: 424B3
Chunk 14
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(c) Loan Repayment Procedure

(i) Loan Assets Repayment

Unless otherwise specified in clauses 3(c)(ii) and 3 (c)(iii) below, the Borrower shall repay the entire Loan Balance by Close of Business on the earlier of: (a) the Maturity Date (provided, however, that the Borrower and the Lender may, by mutual written agreement prior to the Maturity Date, elect to roll forward or renew such Loan into a new Loan Term Sheet on substantially similar terms or as otherwise agreed by the Parties); (b) the Recall Delivery Day (if applicable, as defined below); and (c) the Redelivery Day (if applicable, as defined below).

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All repayments and prepayments under the Loan Documents shall be repaid to and received in USD.

The Borrower shall repay the Loan Assets in USD only to the bank account designated by the Lender. Repayment in any other currency shall require the prior written consent of the Parties.

(ii) Call Option

For Loans in which the Lender has a Call Option, the Lender may at any time, by email notification to the Borrower (each a “Recall Request Day”), demand for immediate repayment of all or a portion of the Loan Balance (each a “Recall Amount”). The Borrower will, unless otherwise agreed by the Lender, repay the Recall Amountby Close of Business within 7 days of such email notification (each a “Recall Delivery Day”). In relation to a Recall Amount that is only a portion of the Loan Balance, the Borrower shall repay that Recall Amount on the Recall Delivery Day and the remaining Loan Balance shall be repaid on the earlier of (a) the Maturity Date; and (b) the next Recall Delivery Day.

(iii) Prepayment Option

For Loans in which the Borrower has a Prepayment Option, the Borrower may, by email notification to the Lender during Business Hours on any Business Day (each a “Prepayment Request”), request to repay the Loan Balance prior to the Maturity Date. The Borrower shall provide the Prepayment Request at least two Business Day prior to the date on which the Borrower proposes to repay all or a portion of the Loan Balance (each a “Redelivery Day”).

The Borrower’s exercise of its Prepayment Option shall not relieve it of any of its other obligations herein, including without limitation its payment of any outstanding Loan Fees and Late Fees.

In relation