Company: USCB
Filing Date: 2025-05-02
Form Type: S-3
Source: 0001193125-25-111625
Chunk: 16

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-05-02
Form: S-3
Chunk 16
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 our Articles of Incorporation and Bylaws Certain provisions of the Articles of Incorporation, the Bylaws, Florida and U.S. banking laws to which the Company is subject may have anti-takeover effects and may delay, defer, or prevent a tender offer or takeover attempt that a shareholder might consider to be in such shareholder’s best interest, including those attempts that might result in a premium over the market price for the shares held by shareholders, and may make removal of management more difficult. The Articles of Incorporation and Bylaws include provisions that:

| • |     | empower the Board, without shareholder approval, to issue preferred stock, the terms of which, including voting 
 power, are to be set by the Board;                                                                              |

| • |     | provide that directors may be removed from office only for cause and only upon a majority vote of the shares of 
 capital stock entitled to vote in an election of directors;                                                     |

| • |     | prohibit holders of Class A Common Stock from taking action by written consent in lieu of a shareholder 
 meeting;                                                                                                |

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| • |     | require holders of at least 10% of the Company’s Class A Common Stock in order to call a special 
 meeting;                                                                                         |

| • |     | do not provide for cumulative voting in elections of Company directors; |

| • |     | provide that the Board has the authority to amend the Bylaws; |

| • |     | require shareholders that wish to bring business before annual or special meetings of shareholders, or to                                                                        
 nominate candidates for election as directors at an annual meeting of shareholders, to provide timely notice of their intent in writing and satisfy disclosure requirements; and |

| • |     | enable the Board to increase, between annual meetings, the number of persons serving as directors and to fill the                                             
 vacancies created as a result of the increase until the next meeting of shareholders by a majority vote of the directors present at the meeting of directors. |

Additionally, the Articles of Incorporation prohibit any direct or indirect transfer of stock or options to acquire stock to any person who, as a result of the transfer, would own 4.95% or more of the Company’s capital stock, as long as the Company continues to have “deferred tax assets,” subject to limited exceptions as provided in the Articles of Incorporation. Also, certain provisions of Florida law may delay, discourage, or prevent an attempted acquisition or change in control. Furthermore, banking laws impose notice, approval, and ongoing regulatory requirements on any shareholder