Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 72

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 72
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 publication of information referenced therein.                            |

44

For the avoidance of doubt, if the event giving rise to the Benchmark Replacement Date occurs on the same day as, but earlier than, the Reference Time in respect of any determination, the Benchmark Replacement Date will be deemed to have occurred prior to the Reference Time for purposes of such determination. “Benchmark Transition Event” means the occurrence of one or more of the following events with respect to the then-current Benchmark:

| (i) | if the Benchmark is Three-Month Term SOFR, the Calculation Agent or the Company determines that the use of a 
 forward-looking rate for a tenor of three months based on SOFR is not administratively feasible;             |

| (ii) | a public statement or publication of information by or on behalf of the administrator of the Benchmark                                                                                                                                                
 announcing that such administrator has ceased or will cease to provide the Benchmark, permanently or indefinitely, provided that, at the time of such statement or publication, there is no successor administrator that will continue to provide the 
 Benchmark;                                                                                                                                                                                                                                            |

| (iii) | a public statement or publication of information by the regulatory supervisor for the administrator of the                                                                                                                                             
 Benchmark, the central bank for the currency of the Benchmark, an insolvency official with jurisdiction over the administrator for the Benchmark, a resolution authority with jurisdiction over the administrator for the Benchmark or a court or an   
 entity with similar insolvency or resolution authority over the administrator for the Benchmark, which states that the administrator of the Benchmark has ceased or will cease to provide the Benchmark permanently or indefinitely, provided that, at 
 the time of such statement or publication, there is no successor administrator that will continue to provide the Benchmark; or                                                                                                                         |

| (iv) | a public statement or publication of information by the regulatory supervisor for the administrator of the 
 Benchmark announcing that the Benchmark is no longer representative.                                       |

“Compounded SOFR” means the compounded average of SOFRs for the applicable Corresponding Tenor, with the rate, or methodology for this rate, and conventions for this rate being established by the Company in accordance with:

| (i) | the rate, or methodology for this rate, and conventions for this rate selected or recommended by the Relevant 
 Governmental Body for determining Compounded SOFR; provided that:                                             |

| (ii) | if, and to the extent that, the Calculation Agent determines that Compounded SOFR cannot be determined in                                                                                                                                
 accordance with clause (i) above, then the rate, or methodology for this rate,