Company: USCB
Filing Date: 2025-05-02
Form Type: S-3
Source: 0001193125-25-111625
Chunk: 33

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-05-02
Form: S-3
Chunk 33
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 sinking fund payments or analogous payments applicable to such debt securities;                                                                                                                                                                                                             |

| • |     | no default or event that after notice or lapse of time, or both, would become a default with respect to such debt                                                                                                                                                                                                                                                                                                                           
 securities, will have occurred and be continuing on the date of such deposit, or insofar as events of default due to certain events of bankruptcy, insolvency or reorganization in respect of us are concerned, during the period ending on the 123rd day after the date of such deposit or, if longer, ending on the day following the expiration of the longest preference period applicable to the company with respect to such deposit; |

| • |     | such defeasance or covenant defeasance does not (i) cause the trustee for the debt securities to have a                                                                                                                                          
 conflicting interest under the terms of the indenture or the Trust Indenture Act or (ii) result in the trust arising from such deposit to constitute, unless it is qualified, a regulated investment company under the Investment Company Act of 
 1940, as amended;                                                                                                                                                                                                                                |

| • |     | such defeasance or covenant defeasance does not result in a breach or violation of, or constitute a default 
 under, the indenture or any other agreement or instrument to which we are a party or by which we are bound; |

| • |     | such defeasance or covenant defeasance does not cause any debt securities of such series then listed on any 
 registered national securities exchange under the Exchange Act to be delisted;                              |

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| • |     | we have delivered to the trustee an opinion of counsel stating that (i) we have received from, or there has                                                                                                                                              
 been published by, the Internal Revenue Service a ruling or (ii) since the date of the indenture there has been a change in the applicable United States federal income tax law to the effect that, and based thereon, holders of the debt               
 securities will not recognize income, gain or loss for federal income tax purposes as a result of such defeasance and will be subject to United States federal income tax on the same amounts and in the same manner and at the same times as would have 
 been the case if such defeasance had not occurred;                                                                                                                                                                                                       |

| • |     | such defeasance is effected in compliance with any terms, conditions or limitations which may be imposed on the           
 Company in connection with a supplemental indenture or board resolutions establishing such series of debt securities