Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 46

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 46
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 accounting purposes upon completion of the exchange offer. Consequences of Failure to Exchange Old Notes that are not exchanged will remain “restricted securities” within the meaning of Rule 144(a)(3) under the Securities Act. 28

Accordingly, they may not be offered, sold, pledged or otherwise transferred except:

| • |     | to us or to any of our subsidiaries; |

| • |     | under a registration statement which has been declared effective under the Securities Act; |

| • |     | for so long as the Old Notes are eligible for resale pursuant to Rule 144A under the Securities Act, to a person                                                                                                                           
 the holder of the Old Notes and any person acting on its behalf reasonably believes is a “qualified institutional buyer” as defined in Rule 144A, that purchases for its own account or for the account of another qualified institutional 
 buyer, in each case to whom notice is given that the transfer is being made in reliance on Rule 144A; or                                                                                                                                   |

| • |     | under any other available exemption from the registration requirements of the Securities Act (in which case we                                                                                  
 and the trustee shall have the right to require the delivery of an opinion of counsel (at the holder’s sole cost), certifications and/or other information satisfactory to us and the trustee); |

in each case subject to compliance with any applicable foreign, state or other securities laws. Upon completion of the exchange offer, due to the restrictions on transfer of the Old Notes and the absence of such restrictions applicable to the New Notes, it is likely that the market, if any, for Old Notes will be relatively less liquid than the market for New Notes. Consequently, holders of Old Notes who do not participate in the exchange offer could experience significant diminution in the value of their Old Notes, compared to the value of the New Notes. The holders of Old Notes not tendered will have no further registration rights, except that, under limited circumstances specified in the registration rights agreement, we may be required to file a shelf registration statement for a continuous offer of Old Notes. Additional Information Regarding the Registration Rights Agreement As noted above, we are effecting the exchange offer to comply with the registration rights agreement. The registration rights agreement requires us to cause an exchange offer registration statement to be filed with the SEC under the Securities Act, use our commercially reasonable efforts to cause the registration statement to become effective, and satisfy certain other obligations, within certain time periods. In the event that:

| • |     | the exchange offer is not completed on or