Company: USCB
Filing Date: 2025-11-07
Form Type: S-4
Source: 0001193125-25-272361
Chunk: 45

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 45
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| By Registered or Certified Mail, Overnight 
 Courier, or Hand Delivery:                 |     | Wilmington Trust, National Association     
 Rodney Square North                        
 1100 North Market Street                   
 Wilmington, Delaware 19890                 
 Attention: Workflow Management – 5th Floor |
| Telephone:                                 |     | (302) 636-6470                             |
| Email:                                     |     | DTC@Wilmingtontrust.com                    |

Delivery to an address other than as listed above does not constitute a valid delivery. We will pay the exchange agent reasonable and customary fees for its services and will reimburse it for its reasonable, out-of-pocketexpenses in connection with this exchange offer. Fees and Expenses We will bear the expenses of soliciting tenders of the Old Notes and issuance of the New Notes. The principal solicitation is being made by mail. However, we may make additional solicitations by email, telephone or in person by our officers and employees and those of our affiliates. We have not retained any dealer-manager in connection with the exchange offer and will not make any payments to broker-dealers or others soliciting acceptances of the exchange offer. As indicated above, we will, however, pay the exchange agent reasonable and customary fees for its services and reimburse it for its related reasonable out-of-pocketexpenses. We will also pay any other cash expenses that we incur in connection with the exchange offer. Except as described below, we will pay all transfer taxes, if any, applicable to the exchange of Old Notes under the exchange offer. The tendering holder will be required to pay any transfer taxes, whether imposed on the registered holder or any other person, if:

| • |     | New Notes and/or substitute Old Notes not exchanged are to be delivered to, or registered or issued in the name 
 of, any person other than the registered holder of the Old Notes so exchanged;                                  |

| • |     | tendered Old Notes are registered in the name of any person other than the person signing the letter of 
 transmittal; or                                                                                         |

| • |     | a transfer tax is imposed for any reason other than the exchange of Old Notes under the exchange offer. |

If satisfactory evidence of payment of transfer taxes is not submitted with the letter of transmittal, the amount of any transfer taxes will be billed to the tendering holder. Accounting Treatment We will record the New Notes at the same carrying value as the Old Notes reflected in our accounting records on the date of the exchange. Accordingly, we will not recognize any gain or loss for