Company: CFBK
Filing Date: 2025-01-07
Form Type: S-3
Source: 0001193125-25-002885
Chunk: 11

Company: CF BANKSHARES INC.
Filing Date: 2025-01-07
Form: S-3
Chunk 11
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 registration statement on Form S-8, a
registration statement on Form S-4, or a transaction to which Rule 145 or any other similar rule of the SEC is applicable, the Company is required to promptly give notice to the holders of all Registrable
Securities (as defined in the Registration Rights Agreement) of our intention to effect such a registration and will effect the registration under the Securities Act of all Registrable Securities that the holders request to be included in the
registration.

Under the Registration Rights Agreement, all fees and expenses incident to the Company’s performance of its obligation
s under the Registration Rights Agreement will be borne by the Company whether or not any Registrable Securities are sold pursuant to a registration statement, except that the Company will not be responsible for any underwriting discounts or selling
commissions, stock transfer taxes or fees of counsel for the Selling Securityholders (except that the Company will be responsible for expenses of Castle Creek actually and reasonably incurred, including without limitation, reasonable attorneys’
fees, not to exceed $50,000 in the aggregate).

The foregoing description of the Registration Rights Agreement does not purport to be
complete and is qualified in its entirety by reference to the full text of the Registration Rights Agreement, a copy of which is included as Exhibit 10.2 of the Current Report on Form 8-K filed with
the SEC on October 31, 2019, and incorporated by reference herein.

The foregoing description of the Securities Purchase Agreement
does not purport to be complete and is qualified in its entirety by reference to the full text of the Registration Rights Agreement, a copy of which is included as Exhibit 10.1 of the Current Report on Form
8-K filed with the SEC on October 31, 2019, and incorporated by reference herein.

Directors and Executive Officers

Sundeep Rana, who is a director of the Company and CFBank, is a managing principal of Castle Creek, which is a
Selling Securityholder.

7

DESCRIPTION OF CAPITAL STOCK

This prospectus contains summary descriptions of the material terms, limitations, voting powers and relative rights of our capital stock as
contained in our Amended and Restated Certificate of Incorporation (our “Certificate of Incorporation”). Although we believe this summary covers the material terms and provisions of our capital stock set forth in our Certificate of
Incorporation, it may not contain all of the information that is important to you. These summary descriptions and any summary descriptions in the applicable prospectus supplement do