Company: USCB
Filing Date: 2025-05-02
Form Type: S-3
Source: 0001193125-25-111625
Chunk: 36

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-05-02
Form: S-3
Chunk 36
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 corporation” within the meaning of the New York Uniform Commercial Code and a “clearing agency” registered 
 under Section 17A of the Exchange Act.                                                                                                                                                                                       |

| • |     | DTC holds securities that its participants deposit with DTC and facilitates the post-trade settlement among                                                                                                                                         
 participants of sales and other securities transactions, such as transfers and pledges, in deposited securities through electronic computerized book-entry changes in participants’ accounts, thereby eliminating the need for physical movement of 
 security certificates.                                                                                                                                                                                                                              |

| • |     | Direct participants include securities brokers and dealers, banks, trust companies, clearing corporations and 
 other organizations.                                                                                          |

| • |     | DTC is a wholly owned subsidiary of The Depository Trust & Clearing Corporation (“DTCC”). DTCC                                                                                                                           
 is the holding company for DTC, National Securities Clearing Corporation and Fixed Income Clearing Corporation, all of which are registered clearing agencies. DTCC is owned by the users of its regulated subsidiaries. |

| • |     | Access to the DTC system is also available to others such as both U.S. and                                                                                                                                  
 non-U.S. securities brokers and dealers, banks, trust companies and clearing corporations that clear through or maintain a custodial relationship with a direct participant, either directly or indirectly. |

| • |     | The rules applicable to DTC and its direct and indirect participants are on file with the SEC. |

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We have provided the description of the operations and procedures of DTC in this prospectus solely as a matter of convenience. These operations and procedures are solely within the control of those organizations and are subject to change by them from time to time. None of us, any underwriters or any trustee takes any responsibility for these operations or procedures, and you are urged to contact DTC or their participants directly to discuss these matters. We expect that under procedures established by DTC:

| • |     | upon deposit of the global debt securities with DTC or its custodian, DTC will credit on its internal system the                         
 accounts of direct participants designated by any underwriters with portions of the principal amounts of the global debt securities; and |

| • |     | ownership of the debt securities will be shown on, and the transfer of ownership thereof will be effected only                                                                                                          
 through, records maintained by DTC or its nominee, with respect to interests of direct participants, and the records of direct and indirect participants, with respect to interests of persons other than participants. |

The laws of some jurisdictions may