Company: USCB
Filing Date: 2025-05-02
Form Type: S-3
Source: 0001193125-25-111625
Chunk: 34

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-05-02
Form: S-3
Chunk 34
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; and |

| • |     | we shall have delivered to the trustee an officer’s certificate and an opinion of counsel, each stating that              
 all conditions precedent and subsequent provided for in the indenture relating to the defeasance have been complied with. |

Covenant Defeasance Under the terms of the indentures and unless as otherwise provided in a supplemental indenture, we will not need to comply with certain restrictive covenants, and the provisions of the applicable indenture will cease to be applicable with respect to an event of default under the debt securities other than an event of default due to our failure to pay the principal of or interest on the debt securities when due, upon:

| • |     | the satisfaction of the conditions described above in “–Legal Defeasance and Covenant  
 Defeasance – Legal Defeasance,” other than with respect to the sixth bullet point; and |

| • |     | our delivery to the trustee of an opinion of counsel to the effect that the holders of the debt securities will                                                                                                                                           
 not recognize income, gain or loss for United States federal income tax purposes as a result of such covenant defeasance and will be subject to United States federal income tax on the same amount and in the same manner and at the same times as would 
 have been the case if such covenant defeasance had not occurred.                                                                                                                                                                                          |

If we exercise our option to omit compliance with certain provisions of the applicable indenture as described in the immediately preceding paragraph and the debt securities are declared due and payable because of the occurrence of an event of default that remains applicable, the amount of money and/or non-callablegovernment securities on deposit with the trustee may not be sufficient to pay amounts due on the debt securities at the time of acceleration resulting from such event of default. In such event, we will remain liable for such payments. Limitation on Individual Liability No incorporator or past, present or future stockholder, officer or director of ours or any successor corporation, as such, will have any liability for any obligations, covenants or agreements of ours under the debt securities or the indentures or because of any indebtedness evidenced thereby. Each holder of a debt security, by accepting a debt security waives and releases such liability. The waiver and release are part of the consideration for the issuance of the debt securities. Such waiver may not be effective to waive liabilities under the federal securities laws. Trustee The accompanying prospectus supplement will specify the trustee for the particular series of debt securities to be issued