Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 74

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 74
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 the Benchmark for the Floating Rate Period and under the benchmark transition provisions. Any determination, decision or election that may be made by the Company or by the Calculation Agent pursuant to the benchmark transition provisions set forth herein, including any determination with respect to a tenor, rate or adjustment or of the occurrence or non-occurrence ofan event, circumstance or date, and any decision to take or refrain from taking any action or any selection:

| • |     | will be conclusive and binding absent manifest error; |

| • |     | if made by the Company, will be made in the Company’s sole discretion; |

| • |     | if made by the Calculation Agent, will be made after consultation with the Company, and the Calculation Agent 
 will not make any such determination, decision or election to which the Company reasonably objects; and       |

| • |     | notwithstanding anything to the contrary in the notes or the purchase agreement, shall become effective without 
 consent from the relevant holders or any other party.                                                           |

Calculation Agent We may appoint a bank or other entity (which may be the Company or an affiliate of the Company) to act as the Calculation Agent for the notes during the Floating Rate Period. The initial Calculation Agent will be the Company. Regarding the Trustee Wilmington Trust, National Association is acting as the trustee under the indenture and the initial paying agent and registrar for the notes. From time to time, we and some of our subsidiaries may maintain deposit accounts and conduct other banking transactions, including lending transactions, with the trustee in the ordinary course of business. Except during the continuance of an event of default under the indenture, the trustee will perform only such duties as are specifically set forth in the indenture. During the continuance of an event of default that has not been cured or waived, the trustee will exercise such of the rights and powers vested in it by the indenture, and use the same degree of care and skill in their exercise, as a prudent person would exercise or use under the circumstances. 46

The indenture and the Trust Indenture Act contain certain limitations on the rights of the
trustee, should it become a creditor of our organization, to obtain payment of claims in certain cases or to realize on certain property received in respect of any such claim as security or otherwise. The trustee will be permitted to engage in other
transactions; however, if it acquires any “conflicting interest” (as defined in the Trust Indenture Act) it must eliminate such conflict within 90