Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 15

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 15
---
 creditors and liabilities arising during the ordinary course or otherwise.                                                |

| Any redemption of the New Notes will be subject to prior approval of the Board of Governors of the Federal Reserve System (or its designee) (the “Federal Reserve”) or any successor agency, and any other                                              
 banking regulatory agency, to the extent such approval is then required by law, regulation or policy. Any redemption of the New Notes will be at a redemption price equal to 100% of the principal amount of the New Notes, or a portion thereof, being 
 redeemed, plus accrued but unpaid interest and additional interest, if any, thereon to, but excluding, the date of redemption.                                                                                                                          |

| If all or any portion of the New Notes ceases to be deemed to be Tier 2 Capital, other than due to the limitation imposed on the capital treatment of subordinated debt during the five (5) years immediately                                             
 preceding the maturity date of the New Notes, the Company will immediately notify the trustee and the holders thereof, and thereafter the Company and the holders will work together in good faith, subject to the terms of the New Notes, to execute and 
 deliver all agreements as reasonably necessary in order to restructure the applicable portions of the obligations evidenced by the New Notes to qualify as Tier 2 Capital; provided, however, that the foregoing shall not limit the Company’s            
 right to redeem the New Notes pursuant to the terms of the New Notes and the indenture, including upon the occurrence of a Tier 2 Capital Event.                                                                                                          |

| The New Notes are not subject to repayment at the option of the holders and there is no sinking fund for the New Notes. |

| No Limitations On Indebtedness | The terms of the New Notes do not limit the amount of additional indebtedness the Company, the Bank or any of our respective subsidiaries may incur or the amount of other obligations ranking senior or equal to the New Notes that we may incur. |

| Limited Indenture Covenants | The indenture governing the New Notes contains no financial covenants requiring us to achieve or maintain any minimum financial results relating to our financial position or results of operations or meet or exceed any financial ratios as a 
 general matter or in order to incur additional indebtedness or obligations or to maintain any reserves.                                                                                                                                         |

7

| Moreover, neither the indenture nor the New Notes contain any covenants prohibiting us from, or limiting our right to, grant liens on our assets to secure our indebtedness or other obligations that