Company: FLDDW
Filing Date: 2025-10-02
Form Type: 424B3
Source: 0001193125-25-227152
Chunk: 21

Company: Fold Holdings, Inc.
Filing Date: 2025-10-02
Form: 424B3
Chunk 21
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b. upon the request of the Lender, supply certified copies to the Lender of:

i. any Authorisation required under any law or regulation of a Relevant Jurisdiction to:

1. enable it to perform its obligations under the Loan Documents;

2. ensure the legality, validity, enforceability or admissibility in evidence of

any Loan Document; and

3. carry on its business have been obtained and in full force and effect, where failure to do so (under clauses 9(a)(b)(i)(1-3)) has or is reasonably likely to have a Material Adverse Effect.

<div align='center'>(b) The Borrower shall comply in all respects with all material and applicable laws (including but not limited to any anti-money laundering, anti-terrorism and sanctions laws) to which it may be subject.</div>

(c) The Borrower shall, by reference to the Borrower’s public filings on the EDGAR system, make its annual report on Form 10-K available to the Lender. Filing such reports on EDGAR shall be deemed to satisfy the Borrower’s obligation to provide annual financial statements under this Agreement. The Borrower shall ensure that the statements and the related notes thereto are complete, correct and fairly presents the consolidated financial condition and results of its and its subsidiaries operations and drawn up and prepared in conformity with generally accepted accounting principles consistently applied.

(d) The Borrower shall comply with all provisions set out in Schedule 3 (in respect of a Master Loan).

11. Borrower’s Default

Any of the following events shall constitute an event of default, and shall be herein referred to as an “Event(s) of Default”:

<div align='center'>-15-

(a) the failure by the Borrower to return any and all Loan Assets on the due date of such Loan;</div>

(b) the failure by the Borrower to pay any and all Loan Fees orLate Feeswithin three (3) Business Days of the Lender’s demand for payment;

(c)the Borrower fails to respond to the First Notification within the First Notification Period;

(d) in respect of a Master Loan only:

(i) the Borrower fails to transfer Collateral as required by with clause 3(b) or Schedule 3; (ii) the Borrower fails to deliver the Additional Collateral in accordance with Schedule 3 by the end of the Second Notification Period; or

(ii) the Collateral Level falls below the Liquidation Level;

(e) a moratorium is