Company: FLDDW
Filing Date: 2025-10-02
Form Type: 424B3
Source: 0001193125-25-227152
Chunk: 15

Company: Fold Holdings, Inc.
Filing Date: 2025-10-02
Form: 424B3
Chunk 15
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 to a Prepayment Request for only a portion of the Loan Balance, the Borrower shall prepay such amount on the Redelivery Day and the remaining Loan Balance shall be repaid on the remaining Loan Balance shall be repaid on the earlier of (a) the Maturity Date; and (b) the next Recall Delivery Day.

(e) Custody Agreement as Condition Precedent

No Loan shall be funded, and no Collateral shall be transferred, unless and until the Custody Agreement has been executed and delivered by all Parties and the Custodian, in form and substance mutually acceptable to the Parties.

4. Loan Fees and Transaction Fees

(a) Loan Fee

Unless otherwise agreed, the Borrower shall pay to the Lender a loan fee on each Loan (the “Loan Fee”) as set out in the relevant Loan Term Sheet. The Loan Fee shall accrue from and including the first Utilization Date and including the date on which such Loan Assets are repaid in full to Lender (the “Loan Fee Period”). The Loan Fee shall be calculated only on outstanding portions of the Loan. The Loan Fee shall be calculated and paid in USD.

Loan Fee = Amount of outstanding Loan x Loan Fee Rate (as set out in the relevant Loan Term Sheet) x (Loan Fee Period /360).

Any Loan Fee, interest, commission of any other fee accruing under a Loan Document will accrue from day to day and is calculated on the basis of the actual number of days elapsed and a year of a 360 days. The Lender shall provide the Borrower with the calculation upon request.

Any determination by the Lender of a rate or amount under any Loan Document is, in the absence of manifest error, conclusive evidence of the matters to which it relates.

(b) Late Fee

If the Borrower fails to pay any amount payable by it (including any Loan Fees) under a Loan Document on its due date (including the Maturity Date or a Redelivery Date), late fees shall, at the discretion of the Lender, accrue on each Unpaid Sum (or, as the case may be, the balance thereof outstanding) from its due date up

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to the date of actual payment (both before and after judgment) at a rate which is 5 per cent per annum (calculated on the unpaid USD balance). Any late fees accruing under this clause shall be immediately payable by the Borrower on demand by the Lender. Late fees (if unpaid) accru