Company: FLDDW
Filing Date: 2025-10-02
Form Type: 424B3
Source: 0001193125-25-227152
Chunk: 33

Company: Fold Holdings, Inc.
Filing Date: 2025-10-02
Form: 424B3
Chunk 33
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16 Bank name: [**] Bank address: [**] Account Number: [**] Routing Number: [**] |
| Digital Asset Address of Lender for deposit of Digital Asset Collateral (as designated by the Custodian): BTC Address: | Digital Asset Address designated by Borrower for return of Digital Asset Collateral: BTC Address: Fold to provide BTC address when necessary.                                                                    |

Bank account information and Digital Asset Address(es) designated here may be changed by written notice given to the other Party pursuant to clause 18 “Notices” of the Agreement. LENDER: BORROWER: Two Prime Lending Limited Fold, Inc.

<div align='center'>-25-</div>

By:By:

Name: Name: Will Reeves

Title: Title: Chief Executive Officer

<div align='center'>-26-

SCHEDULE3 (MASTER LOANS)</div>

#### 1.
Collateral

The Borrower shall provide Collateral in Digital Assets with a value (expressed as a percentage) at least equal to the Initial Collateral Level of the Loan Assets as set out in the Loan Term Sheet. Collateral shall always be valued at the Blended Spot Price. For the avoidance of doubt, Collateral Level means the ratio of the value of the Collateral to the value of the Loan Assets. Reference to Collateral shall include any Additional Collateral (defined below) subsequently provided by the Borrower. All Collateral shall be deposited with the Custodian pursuant to, and in accordance with, the terms of the Custody Agreement. For the avoidance of doubt and notwithstanding that the Loan Term Sheet sets out the type and amount of Collateral to be provided, if the Lender (in its sole and absolute discretion) determines that there is any regulatory or liquidity risk in relation to, or litigation against the issuer of, the Digital Asset provided as Collateral, or in the event that the value of the Collateral (based on the Blended Spot Rate) decreases by 25% or more within a twelve (12) hour rolling period, the Lender shall have the right to, by notice to the Borrower, require the Borrower to prepay all or a portion of the Loan Balance upon three (3) days notice.

The Collateral transferred by the Borrower to the Lender shall be for the account of the Lender in respect of the relevant Loan obligations of the Borrower to the Lender hereunder and managed pursuant to the Custodial Agreement. Unless otherwise agreed by Lender, the Borrow