Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 54

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 54
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 whether made as part of a sale and leaseback transaction to 
 which we are a party or otherwise;                                                                             |

| • |     | our reimbursement and other obligations relating to letters of credit, bankers’ acceptances and similar 
 obligations and direct credit substitutes;                                                              |

| • |     | our obligations in respect of interest rate swap, cap or other agreements, interest rate future or option                     
 contracts, currency swap agreements, currency future or option contracts, commodity contracts and other similar arrangements; |

| • |     | all of our obligations issued or assumed as the deferred purchase price of property or services, but excluding 
 trade accounts payable and accrued liabilities arising in the ordinary course of business;                     |

| • |     | any other obligation of ours to our general creditors; |

| • |     | all obligations of the type referred to in the bullets above of other persons for the payment as to which we are 
 liable contingently or otherwise to pay or advance money as obligor, guarantor, endorser or otherwise;           |

| • |     | all obligations of the types referred to in the bullets above of other persons secured by a lien on any property 
 or asset of ours; and                                                                                            |

| • |     | deferrals, renewals or extensions of any of the indebtedness or obligations described in the bullets above. |

However, “senior indebtedness” excludes:

| • |     | any subordinated debentures or junior subordinated debentures of ours underlying trust preferred securities                                                                                               
 issued by subsidiary trusts of the Company that were outstanding as of the date of the issuance of the Old Notes or that are issued after the date of such issuance by a subsidiary trust of the Company; |

| • |     | any indebtedness, obligation or liability that is subordinated to indebtedness, obligations or liabilities of the 
 Company to substantially the same extent as or to a greater extent than the notes are subordinated; and           |

| • |     | the notes and, unless expressly provided in the terms thereof, any indebtedness of the Company to its 
 subsidiaries.                                                                                         |

As used above, the term “purchase money obligations” means indebtedness, obligations evidenced by a note, debenture, bond or other instrument, whether or not secured by a lien or other security interest, issued to evidence the obligation to pay or a guarantee of the payment of, and any deferred obligation for the payment of, the purchase price of property but excluding indebtedness or obligations for which recourse is limited to the property purchased