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

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-11-07
Form: S-4
Chunk 11
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-to-Floating Rate Subordinated Notes due 2035, which have terms that are identical in all material                                                                                        
 respects to the terms of the Old Notes, except that the New Notes are registered under the Securities Act and are generally not subject to transfer restrictions, are not entitled to registration rights under the registration rights agreement and do 
 not have the right to additional interest under the circumstances described in the registration rights agreement relating to our fulfillment of our registration obligations.                                                                            |

| Exchange Offer | We are offering to exchange the New Notes for a like principal amount of Old Notes. Subject to the terms of the exchange offer, promptly following the termination of the exchange offer, we will exchange New Notes for all Old Notes that have been 
 validly tendered and not validly withdrawn prior to the expiration of the exchange offer.                                                                                                                                                             |

| Expiration Date | The exchange offer will expire at 11:59 p.m., New York City time, on    , 202 , unless extended. |

| Withdrawal Rights | You may withdraw the tender of your Old Notes at any time before the expiration date. |

| Conditions to Exchange Offer | This exchange offer is subject to customary conditions, which we may waive. See “The Exchange Offer—Conditions.” |

| Procedures for Tendering Old Notes | For Old Notes that are represented by global book-entry notes, The Depository Trust Company (“DTC”), as depositary, or its nominee is treated as the registered holder of such Old Notes and will be the only entity that can tender such 
 Old Notes for New Notes. In order to participate in the exchange offer, you must follow the procedures established by DTC for tendering such Old Notes held in book-entry form. These procedures, which we call “ATOP” (“Automated        
 Tender Offer Program”) procedures, require that (i) the exchange agent receive, prior to the expiration date of the exchange offer, a computer generated message known as an “agent’s message” that is transmitted through                
 ATOP, and (ii) DTC has received (a) your instructions to exchange your Old Notes, and (b) your agreement to be bound by the terms of the accompanying letter of transmittal.                                                              |

2

| For Old Notes that are represented by a physical note that is registered in the initial purchaser’s name, each beneficial holder of such Old Note must transmit a properly completed and duly executed letter of 
 transmittal, the physical note, and all other documents required by the letter of trans