Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 66

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 66
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 trusts hereunder by more than one trustee in accordance with the terms of the indenture; |

| • |     | to cure any ambiguity or to correct or supplement any provision of the indenture that may be defective or that 
 may be inconsistent with any other provision in the indenture;                                                 |

| • |     | to make any other provisions with respect to matters or questions arising under the indenture that will not 
 adversely affect the interests of the holders of the notes;                                                 |

| • |     | to add any additional events of default; |

| • |     | to supplement any of the provisions of the indenture as necessary to permit or facilitate legal or covenant                                                                
 defeasance, or satisfaction and discharge of the notes in accordance with the indenture, as long as any such action will not adversely affect the interests of any holder; |

| • |     | to provide for the issuance of exchange notes; |

| • |     | to conform any provision of the indenture to the requirements of the Trust Indenture Act; or |

| • |     | to make any change that does not adversely affect the legal rights under the indenture of any holder. |

With the consent of the holders of not less than a majority in principal amount of the outstanding notes, we and the trustee may enter into an indenture or indentures supplemental to the indenture for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of the indenture or the notes or of modifying in any manner the rights of the holders under the indenture, except that no such supplemental indenture, without the consent of the holder of each outstanding note affected thereby, will:

| • |     | reduce the rate of, or change the time for payment of, interest, including defaulted interest, on any note; |

| • |     | reduce the principal of or change the stated maturity of any note, change the date on which any note may be    
 subject to redemption, or reduce the redemption price at which any note subject to redemption may be redeemed; |

| • |     | make any note payable in money other than dollars; |

| • |     | make any change in provisions of the indenture protecting the right of each holder to receive payment of          
 principal of and interest on such note on or after the due date thereof or to bring suit to enforce such payment; |

| • |     | reduce the threshold of holders the consent of whom is required for any such supplemental indenture or required 
 to