Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 52

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 52
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 conclusive and binding on you, the trustee and us. The Calculation Agent’s determination of any interest rate, and its calculation of interest payments for any period, will be maintained on file at
the Calculation Agent’s principal offices, will be made available to any holder of the New Notes upon request and will be provided to the trustee.

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In the event that the maturity date, any earlier redemption date or any Fixed Interest Payment Date with respect to the Fixed Rate Period falls on a day that is not a business day, the payment of interest and principal due on that date shall be postponed to the next day that is a business day and no additional interest shall accrue as a result of that postponement. In the event that any Floating Interest Payment Date with respect to the Floating Rate Period, other than the maturity date or an earlier redemption date, falls on a day that is not a business day, the Floating Interest Payment Date shall be postponed to the next day that is a business day, in which case interest shall accrue to but excluding the date interest is paid. However, if the postponement would cause the day to fall in the next calendar month during the Floating Interest Period, the Floating Interest Payment Date shall instead be brought forward to the immediately preceding business day. If the Calculation Agent, determines that a Benchmark Transition Event and its related Benchmark Replacement Date have occurred with respect to Three-Month Term SOFR at any time when any of the New Notes are outstanding, then the Company shall promptly provide notice of such determination to the holders, with a copy to the trustee, and the foregoing provisions concerning the calculation of the interest rate and interest payments during the Floating Rate Period will be modified in accordance with the benchmark transition provisions. However, if for any reason the Benchmark Replacement has not been determined as of the relevant Floating Interest Determination Date, the Floating Interest Rate for the applicable Floating Interest Period will be equal to the Floating Interest Rate on the last Floating Interest Determination Date for the New Notes, as determined by the Calculation Agent. If the then-current Benchmark is Three-Month Term SOFR and any of the foregoing provisions concerning the calculation of the interest rate and the payment of interest during the Floating Interest Period are inconsistent with any of the Three-Month Term SOFR Conventions determined by the Company, then the relevant Three-Month Term SOFR Conventions will apply. We will make each interest payment to the holders of record of the notes at the close of business on the fifteenth calendar day prior to the applicable interest payment date. Principal of and interest on