Company: FLDDW
Filing Date: 2025-10-02
Form Type: 424B3
Source: 0001193125-25-227152
Chunk: 12

Company: Fold Holdings, Inc.
Filing Date: 2025-10-02
Form: 424B3
Chunk 12
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 individual, firm, company, corporation, government, state or agency of a state or any association, trust, joint venture, consortium, partnership or other entity (whether or not having separate legal personality);

(d) a regulation includes any regulation, rule, official directive, request or guideline (whether or not having the force of law) of any governmental, intergovernmental or supranational body, agency, department or of any regulatory, self-regulatory or other authority or organisation;

(e) a provision of law is a reference to that provision as the same may have been, or may from time to time hereafter be, as amended or re-enacted;

(f) words importing the plural shall include the singular and vice versa; and

(g) a time of day is a reference to Eastern Standard time.

(h)The determination of the extent to which a rate is for a period equal in length to an interest period shall disregard any inconsistency arising from the last day of that interest period being determined pursuant to the terms of this Agreement.

(i) An Event of Default is continuing if it has not been waived.

(j) Section, clause and Schedule headings are for ease of reference only.

(k) Unless a contrary indication appears, a term used in any other Loan Document or in any notice given under or in connection with any Loan Document has the same meaning in that Loan Document or notice as in this Agreement.

(l) US$, US Dollars, USD and dollars denote the lawful currency of the United States of America.

3. General Loan Terms

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(a) Loan of Funds

Subject to the terms and conditions hereof, the Borrower may from time to time request from the Lender an advanceof Loan Assets in USDunder a revolving credit facility (each such advance, a “Loan”), and the Lender may, in its sole and absolute discretion, extend such Loan or decline to extend such Loan on terms acceptable to the Lender and the Borrower and as set forth in a corresponding Loan Term Sheet.

Nothing in this Agreement constitutes, or should be construed to constitute, an undertaking by the Lender to lend any fundsto the Borrower in excess of the Commitment set forth in the applicable Loan Term Sheet.

(b) Loan Disbursement Procedure

From time to time during the term of this Agreement, between the hours of 8:00 am to 8:00 pm on a Business Day (a “Request Day”), an Authorized Agent of the Borrower may, by email directed to the Lender