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

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 25
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, beginning with the interest payment date on August 15, 2030 and on any interest payment date thereafter and (ii) in whole but not in part, at any time upon the occurrence of:

| • |     | a “Tier 2 Capital Event,” which is defined in the Indenture to mean receipt by us of a legal opinion                                                                                                                                                     
 of counsel experienced in such matters to the effect that the notes no longer qualify, or within 120 days of the date of such legal opinion, will not qualify, as Tier 2 capital (or its then equivalent), as a result of a change in law or regulation, 
 or interpretation or application thereof, by any judicial, legislative or regulatory authority that becomes effective after the date of issuance of the notes;                                                                                           |

| • |     | a “Tax Event,” which is defined in the Indenture to mean the receipt by us of a legal opinion of                                                                                                                                                        
 counsel experienced in such matters to the effect that, as a result of any amendment to, or change (including any final and adopted (or enacted) prospective change) in, the laws (or any regulations thereunder) of the United States or any political 
 subdivision or taxing authority thereof or therein, or as a result of any official administrative pronouncement or judicial decision interpreting or applying such laws or regulations, there exists a material risk that interest payable by us on the 
 notes is not, or within 120 days after the receipt of such opinion will not be, deductible by us, in whole or in part, for United States federal income tax purposes; or                                                                                |

| • |     | an “Investment Company Event,” which is defined in the Indenture to mean receipt by us of a legal                                                                                                                                                         
 opinion from counsel experienced in such matters to the effect that there is a material risk that we are, or within 120 days of the date of such legal opinion, will be, required to register as an investment company pursuant to the Investment Company 
 Act of 1940, as amended,                                                                                                                                                                                                                                  |

in each case at a redemption price equal to 100% of the principal amount of the notes to be redeemed plus accrued and unpaid interest to, but not including, the date of redemption. Any redemption of the notes will be subject to prior approval of the Federal Reserve, to the extent such approval is then required. There can be no assurance that the Federal Reserve will approve any redemption of the notes that we may propose. Furthermore, you should not expect us to redeem any notes when they