Company: FLDDW
Filing Date: 2025-10-02
Form Type: 424B3
Source: 0001193125-25-227152
Chunk: 35

Company: Fold Holdings, Inc.
Filing Date: 2025-10-02
Form: 424B3
Chunk 35
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 return the Collateral under this paragraph shall not be affected by an act, omission, matter or thing which would reduce, release or prejudice any of its obligations hereunder and neither Party shall be entitled to claim any cyber security issue, technical malfunction, hacker activity, or other misappropriation of funds as a force majeure event to release or mitigate its obligations hereunder.

For each calendar day after the Collateral Return Date in which Lender has not returned the entirety of the Collateral, the Lender shall incur an additional nominal fee of 5 per cent. (annualized, calculated daily) on the value of all outstanding portions of the Collateral. Such fee shall be payable by the Lender [on demand].

The Borrower understands that it is not entitled to receive any interest on any Collateral transferred to the Lender, unless otherwise agreed between the Parties in writing.

#### 2.
Collateral Requirements

<div align='center'>-27-</div>

If during the term of a Loan, the Collateral Level falls below the “Collateral Call Level” as set forth on the Loan Term Sheet, the Lender shall have the right to require the Borrower to contribute additional Collateral to the Custodian up to the Initial Collateral Level (the “ Additional Collateral ”).

In the event that the value of the Loan Assets decreases or the value of the Collateral increases such that the value of the Collateral to the Loan Assets (expressed as a percentage) is above the Collateral Refund Level, the Borrower may request via email that the Lender returns to the Borrower a portion of the Collateral from the Custodian in excess of the Initial Collateral Level as indicated in the Loan Term Sheet (“ Excess Collateral ”).

If the Lender requires the Borrower to contribute Additional Collateral to the Custodian, or if the Borrower requires the Lender to return Excess Collateral from the Custodian, such requesting party (the “ Requesting Party ”) shall send an email notification (the “ First Notification ”) to the other party setting out the information below (the “ Details ”):

the amount of the Loan Assets,

the amount of the Collateral,

the Blended Spot Price, if applicable, and

the amount of Additional Collateral required based on the Margin Call Level or the amount of Excess Collateral required based on the Initial Collateral Level, if applicable.

The Borrower or, as the case may be, the Lender shall have twenty-four (24)