Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 71

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 71
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 the first alternative set forth in the order below that can be determined by the Calculation Agent as of the Benchmark Replacement Date:

| (i) | the spread adjustment, or method for calculating or determining such spread adjustment (which may be a positive                                          
 or negative value or zero), that has been selected or recommended by the Relevant Governmental Body for the applicable Unadjusted Benchmark Replacement; |

| (ii) | if the applicable Unadjusted Benchmark Replacement is equivalent to the ISDA Fallback Rate, then the ISDA 
 Fallback Adjustment; or                                                                                   |

| (iii) | the spread adjustment (which may be a positive or negative value or zero) that has been selected by the                                                                                                                                           
 Calculation Agent giving due consideration to any industry-accepted spread adjustment or method for calculating or determining such spread adjustment, for the replacement of the then-current Benchmark with the applicable Unadjusted Benchmark 
 Replacement for U.S. dollar-denominated floating rate notes at such time.                                                                                                                                                                         |

“Benchmark Replacement Conforming Changes” means, with respect to any Benchmark Replacement, any technical, administrative or operational changes (including, without limitation, changes to the definition of “Floating Interest Period,” timing and frequency of determining rates with respect to each Floating Interest Period and making payments of interest, rounding of amounts or tenors and other administrative matters) that the Calculation Agent or the Company decides may be appropriate to reflect the adoption of such Benchmark Replacement in a manner substantially consistent with market practice (or, if the Calculation Agent or the Company decides that adoption of any portion of such market practice is not administratively feasible or if the Calculation Agent or the Company determines that no market practice for use of the Benchmark Replacement exists, in such other manner as the Calculation Agent or the Company determines is reasonably necessary). “Benchmark Replacement Date” means the earliest to occur of the following events with respect to the then-current Benchmark:

| (i) | in the case of clause (i) of the definition of “Benchmark Transition Event,” the relevant 
 Reference Time in respect of any determination;                                           |

| (ii) | in the case of clause (ii) or (iii) of the definition of “Benchmark Transition Event,” the                                                                                                                                  
 later of (a) the date of the public statement or publication of information referenced therein and (b) the date on which the administrator of the Benchmark permanently or indefinitely ceases to provide the Benchmark; or |

| (iii) | in the case of clause (iv) of the definition of “Benchmark Transition Event,” the date of the 
 public statement or