Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 67

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 67
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 waive certain defaults and covenants under the indenture; or                                                 |

| • |     | modify any of the provisions of the section of the indenture governing supplemental indentures with the consent                                                                                                                                         
 of holders, or those provisions relating to waiver of defaults or certain covenants, except to increase any such percentage required for such actions or to provide that certain other provisions of the indenture cannot be modified or waived without 
 the consent of the holder of each outstanding note affected thereby.                                                                                                                                                                                    |

41

The holders of not less than a majority in aggregate principal amount of the outstanding notes may on behalf of the holders of all notes waive any past default under the indenture and its consequences, except a default in the payment of the principal of or interest on any note, or in respect of a covenant or provision of the indenture under which the indenture cannot be modified or amended without the consent of the holder of each outstanding note. Satisfaction and Discharge of the Indenture; Defeasance We may terminate our obligations under the indenture when:

| • |     | either: (1) all notes that have been authenticated and delivered have been delivered to the trustee for                                                                                                                                                 
 cancellation, or (2) all notes that have not been delivered to the trustee for cancellation (i) have become due and payable, or (ii) will become due and payable at their stated maturity within one year or (iii) if redeemable at                     
 the option of the Company, are to be called for redemption within one year under arrangements satisfactory to the trustee for the giving of notice of redemption by the trustee, and in the case of the foregoing clause 2(i), 2(ii) or 2(iii), we have 
 deposited or caused to be deposited with the trustee trust funds in trust for such purpose, an amount sufficient to pay and discharge the entire indebtedness on the outstanding notes;                                                                 |

| • |     | we have paid or caused to be paid all other sums then due and payable by us under the indenture with respect to 
 the notes; and                                                                                                  |

| • |     | we have delivered to the trustee an officer’s certificate and an opinion of counsel, each stating that all                
 conditions precedent under the indenture relating to the satisfaction and discharge of the indenture have been satisfied. |

We may elect, at our option and at any time, to have our obligations discharged with respect to the outstanding notes, which we refer to as legal defeasance. Legal defeasance means that we will be