Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 65

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 65
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 immediately due and payable. Under the indenture, if the Company fails to make any payment of interest on any note when such interest becomes due and payable and such default continues for a period of 15 days, or if the Company fails to make any payment of the principal of any note when such principal becomes due and payable, the trustee may, subject to certain limitations and conditions, demand, for the benefit of the holders of the notes, that the Company pay to the trustee, for the benefit of the holders of the notes, the whole amount then due and payable with respect to the notes, with interest upon the overdue principal, and, to the extent permitted by applicable law, upon any overdue installments of interest at the rate or respective rates, as the case may be, provided for or with respect to the notes or, if no such rate or rates are so provided, at the rate or respective rates, as the case may be, of interest borne by the notes. Any such rights to receive payment of such amounts under the notes remain subject to the subordination provisions of the notes as discussed above under “—Subordination.”Neither the trustee nor the holders of the notes will have the right to accelerate the maturity of the notes in the case of our failure to pay the principal of, or interest on, the notes or our non-performanceof any other covenant or warranty under the notes or the indenture. 40

Amendment, Supplement and Waiver Without the consent of any holder of notes, we and the trustee, at any time and from time to time, may enter into one or more indentures supplemental to the indenture for any of the following purposes:

| • |     | to evidence a succession of another person to the Company, and the assumption by any such successor of our 
 covenants contained in the indenture and the notes;                                                        |

| • |     | to add to our covenants for the benefit of the holders, or to surrender any right or power conferred upon us with 
 respect to the notes issued under the indenture;                                                                  |

| • |     | to permit or facilitate the issuance of notes in uncertificated or global form, provided any such action will not 
 adversely affect the interests of the holders;                                                                    |

| • |     | to evidence and provide for the acceptance of appointment under the indenture by a successor trustee with respect                                                                                                                         
 to the notes and to add to or change any provisions of the indenture as will be necessary to provide for or facilitate the administration of the