Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 57

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 57
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 Regulatory rules may restrict the Bank’s ability to pay dividends or make other distributions to us or provide funds to us by other means. As a result, with respect to the assets of the Bank, our creditors (including the holders of the notes) are structurally subordinated to the prior claims of creditors of the Bank, including its depositors, except to the extent that we may be a creditor with recognized claims against the Bank. 35

Redemption We may, at our option, redeem the notes, in whole or in part, beginning with the Interest Payment Date of August 15, 2030 and on any Interest Payment Date thereafter. In addition, at our option, we may redeem the notes in whole but not in part, at any time upon the occurrence of:

| • |     | a “Tier 2 Capital Event,” which is defined in the indenture to mean receipt by us of a legal opinion                                                                                                                                                      
 of counsel experienced in such matters to the effect that there is a material risk that the notes no longer qualify or, within 120 days of the date of such legal opinion, will not qualify, as Tier 2 Capital (or its then equivalent), as a result of a 
 change in law or regulation, or interpretation or application thereof, by any judicial, legislative or regulatory authority that becomes effective after the date of issuance of the notes;                                                               |

| • |     | a “Tax Event,” which is defined in the indenture to mean the receipt by us of a legal opinion of                                                                                                                                                          
 counsel experienced in such matters to the effect that, as a result of any amendment to, or change (including any final and adopted (or enacted) prospective change) in, the laws (or any regulations thereunder) of the United States or any political   
 subdivision or taxing authority thereof or therein, or as a result of any official administrative pronouncement or judicial decision interpreting or applying such laws or regulations, there exists a material risk that interest payable by the Company 
 on the notes is not, or within 120 days after the receipt of such opinion, will not be, deductible by the Company, in whole or in part, for United States federal income tax purposes; or                                                                 |

| • |     | an “Investment Company Event,” which is defined in the indenture to mean receipt by us of a legal                                                                                                                                           
 opinion from counsel experienced in such matters to the effect that there is a material risk that the Company is or, within 120 days after the receipt of such opinion, will be required to