Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 63

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 63
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 senior in right of payment to the notes, repurchase our stock or other securities, including any of the notes, or pay dividends or make other distributions to our shareholders (except, subject to certain limited exceptions, in the case of dividends or other distributions; redemptions, purchases, acquisitions or liquidation payments with respect to our capital stock; and repayments, repurchases or redemptions of any debt securities that rank equal with or junior to the notes, in each case, upon our failure to timely pay the principal of or interest on the notes, when the same becomes due and payable). In addition, neither the indenture nor the notes contain any provision that would provide protection to the holders of the notes against a sudden and dramatic decline in our credit quality resulting from a merger, takeover, recapitalization or similar restructuring or any other event involving us or our subsidiaries that may adversely affect our credit quality. Events of Default; Right of Acceleration; Failure to Pay Principal or Interest The following are events of default under the indenture (whatever the reason for such event of default and whether it will be voluntary or involuntary or be effected by operation of law or in accordance with any judgment, decree, or order of any court or any order, rule, or regulation of any administrative or governmental body):

| • |     | the entry of a decree or order for relief in respect of the Company by a court having jurisdiction in the                                                                                                                                            
 premises in an involuntary case or proceeding under any applicable bankruptcy, insolvency, or reorganization law, now or hereafter in effect of the United States or any political subdivision thereof, and such decree or order will have continued 
 unstayed and in effect for a period of 60 consecutive days;                                                                                                                                                                                          |

| • |     | the commencement by the Company of a voluntary case under any applicable bankruptcy, insolvency or reorganization 
 law, now or hereafter in effect of the United States or any political subdivision                                 |

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| thereof, or the consent by the Company to the entry of a decree or order for relief in an involuntary case or proceeding under any such law; |

| • |     | the failure of the Company to pay any installment of interest on the notes as and when the same will become due 
 and payable, and the continuation of such failure for a period of 15 days;                                      |

| • |     | the failure of the Company to pay all or any part of the principal of any of the notes as and when the same will 
 become due and payable under the indent