Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 49

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 49
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 fixed rate equal to 7.625% per year, payable semi-annually in arrears on February 15 and August 15 of each year (each a “Fixed Interest
Payment Date”), beginning on February 15, 2026, and interest will be computed on the basis of a 360-day year consisting of twelve 30-day months.

From and including August 15, 2030, to but excluding the maturity date or earlier redemption date (the “Floating Rate
Period”), the New Notes will bear interest at an annual floating rate, reset quarterly, equal to the Benchmark rate (which is expected to be Three-Month Term SOFR), plus 422 basis points, provided however, that in the event the Three-Month
Term SOFR is less than zero, Three-Month Term SOFR shall be deemed to be zero. A “Floating Interest Period” means, the period from, and including, each Floating Interest Payment Date to, but excluding, the next succeeding Floating
Interest Payment Date, except for the initial Floating Interest Period, which will be the period from and including August 15, 2030 to, but excluding the next succeeding Floating Interest Payment Date.

During the Floating Rate Period, interest on the New Notes will be payable quarterly in arrears on February 15, May 15,
August 15 and November 15 of each year (each a “Floating Interest Payment Date” and, together with any Fixed Interest Payment Date, an “Interest Payment Date”), commencing on November 15, 2030 and interest will
be computed on the basis of a 360-day year and the actual number of days elapsed and payable quarterly in arrears on each Floating Interest Payment Date.

For the purpose of calculating the interest on the New Notes for each interest period during the Floating Rate Period when the Benchmark is
Three-Month Term SOFR, Three-Month Term SOFR means the rate for Term SOFR for a tenor of three months that is published by the Term SOFR Administrator at the Reference Time for any Floating Interest Period, as determined by the Calculation
Agent after giving effect to the Three-Month Term SOFR Conventions;provided, however, that in the event Three-Month Term SOFR is less than zero, Three-Month Term SOFR shall be deemed to be zero. See “—Calculation
Agent.”

The following definitions apply to the following discussion of Three-Month Term SOFR:

“Benchmark” means, initially, Three-Month Term