Company: USCB
Filing Date: 2025-05-02
Form Type: S-3
Source: 0001193125-25-111625
Chunk: 28

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-05-02
Form: S-3
Chunk 28
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 under the laws of the United States or a state thereof or the District of Columbia and expressly assumes the due and punctual payment of the principal, premium, if any, and interest on all the debt securities according to their tenor, and the due 
 and punctual performance and observance of all of the covenants and conditions of the indenture to be performed by us by supplemental indenture, executed and delivered to the trustee by such successor corporation;                                  |

| • |     | neither we nor such successor corporation, immediately after giving effect to such merger, consolidation, sale or  
 conveyance, will be in default in the performance of any covenant or condition under the applicable indenture; and |

| • |     | we shall have delivered to the trustee an officer’s certificate and an opinion of counsel, each stating that                                                                               
 the transaction complies with the terms of the applicable indenture and that all conditions precedent in such indenture provided for relating to such transaction have been complied with. |

In the case of any such consolidation or merger, sale or conveyance and upon any such assumption by the successor corporation, the successor corporation shall succeed to, and be substituted for, us under the applicable indenture with the same effect as if it had been an original party to such indenture. Certain Covenants The applicable prospectus supplement will describe any restrictive covenants applicable to any debt securities we offer for sale. Modification of the Indenture Unless we indicate otherwise in a prospectus supplement and except as set forth below, a supplemental indenture applicable to debt securities may be entered into only when authorized by our Board and with the consent of the holders of not less than a majority in aggregate principal amount of the debt securities outstanding affected by such supplemental indenture, voting together as a single class. -22-

Notwithstanding the foregoing, no modification or amendment of an indenture as applicable to any series of debt securities may:

| • |     | extend the fixed maturity of any debt security, or reduce the principal amount thereof or premium, if any, or                           
 reduce the rate or extend the time of payment of interest thereon, without the consent of the holder of each debt security so affected; |

| • |     | reduce the percentage in aggregate principal amount of outstanding debt securities that is required for any 
 supplemental indenture without the consent of the holders of all debt securities then outstanding;          |

| • |     | modify the subordination provisions in a manner adverse to the holders of such debt security; or |

| •