Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 53

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 53
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 the notes will be payable, and the notes will be exchangeable and transferable, at the office or agency that we have designated and maintain for such purposes, which, initially, will be the corporate trust office of the trustee located at Wilmington Trust, National Association, 99 Wood Avenue South – Suite #1000, Attn: USCB Financial Holdings, Inc. Administrator; except that payment of interest may be made at our option by check mailed to the person entitled thereto as shown on the security register or by wire transfer to an account appropriately designated by the person entitled thereto. The term “business day” means any day other than a Saturday, Sunday or any day which is a federal holiday or other day on which banking institutions in the State of Florida, the Borough of Manhattan, New York, New York or the place of payment are authorized or obligated by law, regulation or executive order to close. Subordination Our obligation to make any payment on account of the principal of, or interest on, the notes will be subordinate and junior in right of payment to the prior payment in full of all of our senior indebtedness. As of September 30, 2025, the Company and its consolidated subsidiaries had outstanding liabilities of $2.6 billion, of which $2.5 billion rank senior to the notes and $11 million rank pari passuwith the notes. The notes and the indenture do not contain any limitation on the amount of senior indebtedness that we may incur in the future. The term “senior indebtedness” means the principal of, and premium, if any, and interest, including interest accruing after the commencement of any bankruptcy proceeding relating to us, on, or substantially similar payments we make in respect of the following categories of debt, whether that debt was outstanding on the date of execution of the indenture or thereafter incurred, created or assumed:

| • |     | our indebtedness for borrowed money, whether or not evidenced by notes, debentures, bonds, securities or other 
 similar instruments issued under the provisions of any indenture, fiscal agency agreement,                     |

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| debenture or note purchase agreement or other agreement, including any senior debt securities that we may offer, and including, but not limited to, deposits of the Bank and our obligations 
 to our general and secured creditors;                                                                                                                                                        |

| • |     | our indebtedness for money borrowed or represented by purchase money obligations, as defined below; |

| • |     | our obligations as lessee under leases of property