Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 69

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 69
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 event of default, or event which with notice or lapse of time or both would become an event of default with                                                                                                                                        
 respect to the outstanding notes will have occurred and be continuing on the date of such deposit referred to in the first bullet point above (and in the case of legal defeasance will have occurred and be continuing at any time during the period 
 ending on and including the 91st day after the date of such deposit);                                                                                                                                                                                 |

| • |     | in the case of legal defeasance, we must have delivered to the trustee an opinion of counsel stating that                                                                                                                                                
 (i) we have received from, or there has been published by, the Internal Revenue Service a ruling or (ii) since the date of the indenture there has been a change in the applicable U.S. federal income tax law, in either case to the effect             
 that, and based thereon such opinion will confirm that, the holders of the notes will not recognize income, gain or loss for U.S. federal income tax purposes as a result of such legal defeasance to be effected with respect to such notes and will be 
 subject to U.S. federal income tax on the same amounts, in the same manner and at the same times as would be the case if such legal defeasance had not occurred;                                                                                         |

| • |     | in the case of covenant defeasance, we must have delivered to the trustee an opinion of counsel to the effect                                                                                                                                             
 that the holders of the outstanding notes will not recognize income, gain or loss for U.S. federal income tax purposes as a result of such covenant defeasance to be effected with respect to the notes and will be subject to U.S. federal income tax on 
 the same amount, in the same manner and at the same times as would be the case if such covenant defeasance had not occurred; and                                                                                                                          |

| • |     | we must have delivered to the trustee an officers’ certificate and an opinion of counsel, each stating that 
 all conditions precedent with respect to such legal defeasance or covenant defeasance have been satisfied.  |

In connection with a discharge or defeasance, in the event the trustee is unable to apply the moneys deposited as contemplated under the satisfaction and discharge provisions of the indenture for any reason, our obligations under the indenture and the notes will be revived as if the deposit had never occurred. Effect of Benchmark Transition Event Benchmark Replacement. If the Calculation Agent determines that a Benchmark Transition Event and its