Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 44

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 44
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 tender of Old Notes at any time prior to 11:59 p.m., New York City time, on the expiration date of the exchange offer. For a withdrawal for Old Notes represented by global certificates to be effective you must comply with the appropriate procedures of DTC’s ATOP system prior to 11:59 p.m., New York City time, on the expiration date of the exchange offer. Any such notice of withdrawal must:

| • |     | specify the name of the tendering holder of Old Notes; |

| • |     | the principal amount of the Old Notes delivered for exchange; |

| • |     | specify the name and number of the account at DTC to be credited with the withdrawn Old Notes; and |

| • |     | a statement that such holder is withdrawing its election to have such Old Notes exchanged. |

For a withdrawal to be effective for Old Notes represented by physical certificates you must comply with the appropriate procedures prior to 11:59 p.m., New York City time, on the expiration date of the exchange offer. Any such notice of withdrawal must:

| • |     | specify the name of the tendering holder of Old Notes; |

| • |     | the principal amount of the Old Notes delivered for exchange; and |

| • |     | a statement that such holder is withdrawing its election to have such Old Notes exchanged. |

We will determine all questions as to the validity, form and eligibility (including time of receipt) of such withdrawal notices. Any Old Notes so withdrawn will be considered not to have been validly tendered for purposes of the applicable exchange offer, and no New Notes will be issued in exchange for such Old Notes unless the Old Notes withdrawn are validly re-tendered.Any Old Notes which have been tendered but which are not accepted for exchange or which are withdrawn will be returned to the holder, without expense to such holder, promptly after withdrawal, rejection of tender or termination of the applicable exchange offer. Validly withdrawn Old Notes may be re-tenderedby following one of the procedures described above under “—Procedures for Tendering” at any time prior to the expiration date of the exchange offer. Exchange Agent Wilmington Trust, National Association, has been appointed the exchange agent for this exchange offer. Letters of transmittal and all correspondence in connection with this exchange offer should be sent or delivered 27

by each holder of Old Notes, or a beneficial owner’s commercial bank, broker, dealer, trust company or other nominee, to the exchange agent as follows