Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 14

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 14
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 deemed to be zero (each as defined under “Description of        
 the Notes—Principal, Maturity and Interest”).                                                                                                                                                       |

| If the Calculation Agent determines that a Benchmark Transition Event and its related Benchmark Replacement Date (each as defined under “Description of the Notes—Principal, Maturity and Interest”) have                                           
 occurred prior to the Reference Time in respect of any determination of the Benchmark on any date, the Benchmark Replacement will replace the then-current Benchmark (each as defined under “Description of the Notes—Principal, Maturity and       
 Interest”) for all purposes relating to the New Notes during the relevant Floating Interest Period in respect of such determination on such date and all determinations on all subsequent dates. In accordance with the benchmark transition        
 provisions, after a Benchmark Transition Event and its related Benchmark Replacement Date have occurred, the interest rate on the New Notes for each interest period during the Floating Rate Period will be an annual rate equal to the sum of the 
 applicable Benchmark Replacement (as defined under “Description of the Notes—Effect of Benchmark Transition Event”), plus 422 basis points.                                                                                                         |

| Record Dates | Each interest payment will be made to the holders of record who held the New Notes at the close of business on the fifteenth calendar day prior to the applicable interest payment date, without regard to whether the regular record date is a 
 business day.                                                                                                                                                                                                                                   |

| Subordination; Ranking | The New Notes will be our general unsecured, subordinated obligations and: |

| will rank junior in right of payment and upon our liquidation to our existing and future senior indebtedness (as defined herein); |

| will rank equally in right of payment and upon our liquidation with our existing and all future indebtedness the terms of which provide that such indebtedness ranks equally with promissory notes, bonds, debentures and 
 other evidences of indebtedness of types that include the New Notes; and                                                                                                                                                  |

| will rank senior in right of payment and upon our liquidation to any indebtedness the terms of which provide that such                                                                                                         
 indebtedness ranks junior to promissory notes, bonds, debentures and other evidences of indebtedness of types that include the New Notes; and will be effectively subordinated to all of the existing and future indebtedness, |

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| deposits and other liabilities of the Bank and our other current and future subsidiaries, including without limitation, the Bank’s liabilities to depositors in connection with the deposits 
 in the Bank, as well as to its subsidiary’s liabilities to general