Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 68

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 68
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 deemed to have paid and discharged the entire indebtedness represented by the outstanding notes, except for:

| • |     | the rights of the holders of such notes to receive payments in respect of the principal of and interest on such 
 notes when payments are due;                                                                                    |

| • |     | our obligations and the obligations of the trustee with respect to such notes concerning registration of notes,                                            
 mutilated, destroyed, lost or stolen notes and the maintenance of an office or agency for payment and money for payments on the notes to be held in trust; |

| • |     | the rights, powers, trusts, duties and immunities of the trustee under the indenture; and |

| • |     | the defeasance provisions and the application of trust money provisions of the indenture. |

In addition, we may elect, at our option, to have our obligations released with respect to certain covenants contained in the indenture, which is also called covenant defeasance. In the event covenant defeasance occurs, certain events (not including non-payment,bankruptcy and insolvency events) will no longer constitute an event of default with respect to the notes. In order to exercise either legal defeasance or covenant defeasance with respect to outstanding notes:

| • |     | we must irrevocably have deposited or caused to be deposited with the trustee as trust funds in trust for the                                                                                                                                             
 purpose of making the following payments, specifically pledged as security for, and dedicated solely to the benefit of the holders of such notes, (i) an amount in dollars, (ii) U.S. government obligations that through the scheduled payment           
 of principal and interest in respect thereof in accordance with their terms will provide, not later than one day before the due date of any payment on the notes, money, or (iii) a combination thereof, in each case, in an amount, sufficient to        
 pay and discharge, and which will be applied by the trustee to pay and discharge, the entire indebtedness in respect of the principal of and interest on the notes on the stated maturity thereof or, with respect to notes called for redemption, on the 
 redemption date thereof;                                                                                                                                                                                                                                  |

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| • |     | such legal defeasance or covenant defeasance will not result in a breach or violation of, or constitute a default                             
 under, the indenture or any other material agreement or instrument to which the Company or any subsidiary is a party or by which it is bound; |

| • |     | no