Company: USCB
Filing Date: 2025-05-02
Form Type: S-3
Source: 0001193125-25-111625
Chunk: 22

Company: USCB FINANCIAL HOLDINGS, INC.
Filing Date: 2025-05-02
Form: S-3
Chunk 22
---
 described in the applicable prospectus supplement. If any particular terms of the applicable indenture or debt securities described in a prospectus supplement differ from any of the terms described below, then the terms described below will be deemed to have been superseded by those described in the applicable prospectus supplement. Capitalized terms used but not defined in this section have the meanings given to those terms in the applicable indenture. As used in this section, “we,” “our,” “us” and the “Company” refer only to USCB Financial Holdings, Inc. and not to any of its subsidiaries. General Debt securities may be issued in separate series without limitation as to aggregate principal amount. We may specify a maximum aggregate principal amount for the debt securities of any series. We are not limited as to the amount of debt securities that we may issue under the indentures. Unless otherwise provided in a prospectus supplement, a series of debt securities may be reopened to issue additional debt securities of such series. The subordinated debt securities will be subordinated as described below under the heading “— Subordinated Debt.” The prospectus supplement relating to a particular series of debt securities will set forth the material terms of the debt securities being offered, as established pursuant to a board resolution, in an officer’s certificate or in a supplemental indenture, including:

| • |     | the title of the debt securities and whether they are senior debt securities or subordinated debt securities; |

| • |     | the offering price (which may be expressed as a percentage of the aggregate principal amount) of the debt 
 securities;                                                                                               |

| • |     | the aggregate principal amount of such series that may be authenticated and delivered under the indentures                                                                                                                                             
 (except for securities authenticated and delivered upon registration of transfer of, or in exchange for, or in lieu of, other securities of the series pursuant to the indenture and except for any securities deemed never to have been authenticated 
 and delivered);                                                                                                                                                                                                                                        |

-17-

| • |     | whether securities of the series are to be issuable as Registered Securities, Bearer Securities (with or without                           
 coupons) or both, whether any debt securities of the series are to be issuable initially in temporary global form with or without coupons; |

| • |     | if applicable, whether the debt securities shall be subject to the defeasance provisions described below under                               
 “—Satisfaction and Discharge” or such other defeasance provisions specified in the applicable prospectus supplement for the debt securities; |

| • |