Company: FLDDW
Filing Date: 2025-10-02
Form Type: 424B3
Source: 0001193125-25-227152
Chunk: 28

Company: Fold Holdings, Inc.
Filing Date: 2025-10-02
Form: 424B3
Chunk 28
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 this Agreement, all notices or demands relating to this Agreement shall be in writing and shall be delivered or sent by electronic mail (at such email addresses as a Party may designate in accordance herewith) as set forth below:

Fold, Inc.

2942 North 24th Street

Suite 115, #42035

Phoenix, Arizona 85016

Attn: Finance Department (finance@foldapp.com)

Attn: Wolfe Repass, CFO ([**])

Attn: Risk Department (risk@foldapp.com)

Attn: Legal Department (legal@foldapp.com)

Attn: Hailey Lennon, Esq. ([**]

Attn: James Rippeon, Esq. ([**])

Two Prime Lending:

Two Prime Lending Limited

Craigmuir Chambers, Road Town, Tortola, VG 1110, British Virgin Islands

Brendon Kelley [For Master Loans]

Email:[**]

Attn: Adam Richard

Email:[**]

Attn: Alexander Blume

Email:[**]

Either Party may change its address by giving the other Party written notice of its new address as herein provided.

(b) Any communication to be made between any two Parties under or in connection with the Loan Documents may be made by electronic mail or other electronic means (including, without limitation, by way of posting to a secure website) if those two Parties:

i. notify each other in writing of their electronic mail address and/or any other information required to enable the transmission of information by that means; and

ii. notify each other of any change to their address or any other such information supplied by them by not less than five Business Days’ notice.

(c) Any such electronic communication as specified in clause 18 (a) above to be made between two Parties may only be made in that way to the extent that those two Parties agree that, unless and until notified to the contrary, this is to be an accepted form of communication.

(d) Any reference in a Loan Document to a communication being sent or received shall be construed to include that communication being made available in accordance with this clause 18.

19. Miscellaneous

(a) Amendments and Waivers

Any amendment or waiver to the Loan Documents shall be effective only with the written consent of the Lender.

(b) Entire Agreement

<div align='center'>-20-</div>

This Agreement, each schedule referenced herein, and all Loan Term Sheets constitute the entire Agreement among the Parties with respect to the subject matter hereof and supersede any prior negotiations, understandings