Document:

EX-4.2

 Exhibit 4.2 

REGISTRATION RIGHTS AGREEMENT 

THIS REGISTRATION RIGHTS AGREEMENT (this “Agreement”), dated as of March 17, 2015 (the “Effective
Date”) is entered into by and among U.S. Century Bank, a Florida banking corporation (“USCB”), Priam Capital Fund II, LP (“Priam”), Patriot Financial Partners II, L.P., Patriot Financial
Partners Parallel II, L.P. (together with Patriot Financial Partners II, L.P. “Patriot”) and the other shareholders of USCB listed on the signatures pages of this Agreement (the “Small Investors”).

 RECITALS: 
 WHEREAS,
pursuant to the Second Amended and Restated Investment Agreement, dated as of February 19, 2015 (as it may be amended or otherwise modified from time to time, the “Investment Agreement”), by and among USCB, Priam and
Patriot, on the date hereof each of Priam and Patriot (each, a “Large Investors”) acquired from USCB certain (i) shares of USCB Common Stock (as defined below); (ii) shares of USCB’s Class C Non-Voting, Non-Cumulative, Perpetual Preferred Stock, $1.00 par value per share (the “Companion Preferred Stock”); and (iii) shares of
USCB’s Class D Non-Voting, Non-Cumulative, Perpetual Preferred Stock, $1.00 par value per share (the “TARP Substitute Preferred
Stock”); and 
 WHEREAS, pursuant to a Subscription Agreement (each, a “Small Investor Investment
Agreement”), on the date hereof, each of the Small Investors acquired from USCB certain (i) shares of USCB Common Stock (as defined below), (ii) shares of the Companion Preferred Stock and (iii) shares of the TARP Substitute
Preferred Stock. 
 NOW THEREFORE, in consideration of the premises and mutual covenants set forth herein, and for other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as follows: 

Section 1.    Certain Definitions. As used in this Agreement, the following terms shall have the following
respective meanings: 
 1.1    “Commission” means the Securities and Exchange Commission, or
any other Federal agency at the time administering the Securities Act. 
 1.2    “Companion Preferred
Stock” has the meaning set forth in the Recitals to this Agreement. 
 1.3    “Exchange
Act” means the Securities Exchange Act of 1934, as amended, or any similar Federal statute, and the rules and regulations of the Commission promulgated under such Act, as they each may, from time to time, be in effect. 

1.4    “Holding Company Formation” has the meaning set forth in
Section 2.4(b). 
 1.5    “Indemnified Party” has the meaning set
forth in Section 6. 
 1.6    “Indemnifying Party” has the meaning
set forth in Section 6. 

 1.7    “Initial Public Offering” means the
first underwritten public offering of shares of USCB’s Common Stock (or other equity securities) to the general public pursuant to a Registration Statement. 

1.8    “Investors” means collectively the Large Investors and the Small Investors. 

1.9    “Large Investors” has the meaning set forth in the Recitals to this Agreement. 

1.10    “Person” means an association, a corporation, a limited liability company, an individual,
a partnership, a trust, joint venture, business association or any other entity or organization. 

1.11    “Qualifying Initial Public Offering” means a firm commitment underwritten public offering
of shares of voting USCB Common Stock (or any shares into which the voting USCB Common Stock is converted, substituted or exchanged) for cash pursuant to a Registration Statement under the Securities Act (i) pursuant to which there is
established a listing on the New York Stock Exchange, The Nasdaq Global Market or The Nasdaq Global Select Market for such securities and (ii) with aggregate gross proceeds of at least $40 million (net of underwriting discounts and
commissions and selling expenses). 
 1.12    “Registrable Common Shares” means (i) any
shares of USCB Common Stock issued to the Investors pursuant to the Investment Agreement and the Small Investor Investment Agreements, (ii) any shares of USCB Common Stock or any security convertible into USCB Common Stock acquired by the
Investors after the closing of the transactions contemplated by the Investment Agreement and the Small Investor Investment Agreements and prior to the date of an Initial Public Offering, and (iii) any other security into or for which the USCB
Common Stock referred to in clauses (i) or (ii) has been reclassified, converted, substituted or exchanged, and any security issued or issuable with respect thereto upon any stock dividend, stock split, merger, recapitalization or similar
event; provided, that securities shall cease to be Registrable Common Shares (w) upon any public sale pursuant to a Registration Statement, Section 4(1) of the Securities Act or Rule 144 under the Securities Act, (x) with
respect to a Small Investor, when such Small Investor is eligible to sell, transfer or otherwise convey all of such Small Investor’s Registrable Common Shares pursuant to Rule 144 under the Securities Act in any 3 month period, (y) upon
any sale in any manner to a person which, by virtue of Section 10 of this Agreement, is not entitled to the rights provided by this Agreement, or (z) upon repurchase by USCB. 

1.13    “Registrable Preferred Shares” means (i) any shares of TARP Substitute Preferred
Stock issued to the Investors pursuant to the Investment Agreement and the Small Investor Investment Agreements, (ii) any shares of TARP Substitute Preferred Stock or any security convertible into TARP Substitute Preferred Stock acquired by the
Investors after the closing of the transactions contemplated by the Investment Agreement and the Small Investor Investment Agreements and prior to the date of an Initial Public Offering, and (iii) any other security into or for which the TARP
Substitute Preferred Stock referred to in clauses (i) or (ii) has been reclassified, converted, substituted or exchanged, and any security issued or issuable with 

  
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respect thereto upon any stock dividend, stock split, merger, recapitalization or similar event; provided, that such securities shall cease to be Registrable Preferred Shares (w) upon
any public sale pursuant to a Registration Statement, Section 4(1) of the Securities Act or Rule 144 under the Securities Act, (x) with respect to a Small Investor, when such Small Investor is eligible to sell, transfer or otherwise convey
all of such Small Investor’s Registrable Preferred Shares pursuant to Rule 144 under the Securities Act in any 3 month period, (y) upon any sale in any manner to a person which, by virtue of Section 10 of this
Agreement, is not entitled to the rights provided by this Agreement, or (z) upon repurchase by USCB. 

1.14    “Registrable Shares” means the Registrable Common Shares and the Registrable Preferred
Shares.” 
 1.15    “Registration Expenses” means the expenses described in
Section 5. 
 1.16    “Registration Statement” means a registration statement filed
or to be filed by USCB with the Commission for a sale of securities of USCB (other than a registration statement on Form S-8 or Form S-4, or their successors, or any
registration statement covering only securities proposed to be issued in exchange for securities or assets of another corporation or a registration statement on Form S-4 solely for the purpose of registering
shares issued in a non-underwritten offering in connection with a merger, combination or acquisition). 

1.17    “Securities Act” means the Securities Act of 1933, as amended, or any similar Federal
statute, and the rules and regulations of the Commission promulgated under such Act, as they each may, from time to time, be in effect. 

1.18    “Shelf Option” has the meaning set forth in Section 2.7. 

1.19    “Shelf Registration Statement” has the meaning set forth in
Section 2.7. 
 1.20    “Small Investor Investment Agreement” has the
meaning set forth in the Recitals. 
 1.21    “Small Investors” has the meaning set forth in
the Recitals to this Agreement. 
 1.22    “Stand-Off
Period” has the meaning set forth in Section 9.1. 
 1.23    “TARP
Substitute Preferred Stock” has the meaning set forth in the Recitals to this Agreement. 

1.24    “USCB Common Stock” means both the shares of Class A voting common stock of USCB,
$1.00 par value per share, and the shares of Class B non-voting common stock of USCB, $1.00 par value per share. 

For purposes of this Agreement, any reference to the Commission, the Securities Act, the Exchange Act or any similar references or
definitions, shall be deemed to refer to and include the 

  
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applicable rules and regulations of the Federal Deposit Insurance Corporation if, at the time of any actions required by this Agreement, a Holding Company Formation has not occurred or been
requested pursuant to Section 2.4(b) of this Agreement. 
 Section 2.    Demand Registrations and
Piggyback Registrations. 
 2.1    Common Stock Registrations. Subject to the terms of this Agreement, any
time after the earlier of (i) five (5) years following the date of this Agreement and (ii) six (6) months following the closing of the Initial Public Offering of USCB, one or more of the Large Investors may request, in writing, that USCB
effect a registration on Form S-1 (or Form S-3, provided that USCB is eligible to register securities on Form S-3) of all or part
of the Registrable Common Shares owned by such Large Investor. If either of the Large Investors intends to distribute the Registrable Common Shares by means of an underwriting, they shall so advise USCB in writing. In the event such registration is
underwritten, the right of Investors to participate in such registration shall be conditioned on such Investors accepting the reasonable terms and conditions of such underwriting as agreed upon among USCB, the Large Investors and the underwriters
selected by the initiating Large Investor. Upon receipt of any such request, USCB shall promptly give written notice of such proposed registration to all Investors. Such other Investors shall have the right, by giving written notice to USCB within
[20] days after USCB provides its notice, to elect to have included in such registration on the same terms as the initiating Large Investor(s) such of their Registrable Common Shares as such Investors may request in such notice of election, subject
to the terms of this Agreement. Thereupon, subject to the terms of this Agreement, USCB shall use its reasonable best efforts to effect the registration on Form S-1 (or Form
S-3, provided that USCB is eligible to register securities on Form S-3) of all Registrable Common Shares that USCB has been requested so to register. 

2.2    TARP Substitute Preferred Stock Registrations. Subject to the terms of this Agreement, any time after the
first anniversary of the closing of the Initial Public Offering of USCB, the Large Investors, together, may request, in writing, that USCB effect a registration on Form S-1 (or Form S-3, provided that USCB is eligible to register securities on Form S-3) of all or part of the Registrable Preferred Shares owned by the Large Investors. If the Large Investors
initiating the registration pursuant to this Section 2.2 intend to distribute the Registrable Preferred Shares by means of an underwriting, they shall so advise USCB in their request. In the event such registration is
underwritten, the right of Investors to participate in such registration shall be conditioned on such Investors accepting the reasonable terms and conditions of such underwriting as agreed upon among USCB, the Large Investors and the underwriters
selected by the initiating Large Investor. Upon receipt of any such request, USCB shall promptly give written notice of such proposed registration to all Investors. Such other Investors shall have the right, by giving written notice to USCB within
[20] days after USCB provides its notice, to elect to have included in such registration on the same terms as the initiating Large Investor(s) such of their Registrable Preferred Shares as such Investors may request in such notice of election,
subject to the terms of this Agreement. Thereupon, subject to the terms of this Agreement, USCB shall use its reasonable best efforts to effect the registration, on Form S-1 (or Form S-3, provided that USCB is eligible to register securities on Form S-3) of all the Registrable Preferred Shares that USCB has been requested so to register. 

  
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 2.3    Number of Demand Registrations. USCB shall not be
required to effect more than four (4) registrations (two each for Priam and Patriot) pursuant to Section 2.1 and USCB shall not be required to effect more than one (1) registration pursuant to
Section 2.2; provided, that USCB shall not be required to effect any registration pursuant to Section 2.1 (other than on Form S-3) within six
(6) months after the effective date of any other Registration Statement (a) filed by USCB pursuant to Section 2.1 or (b) with respect to which the initiating Large Investor(s) was entitled to include
Registrable Common Shares pursuant to Section 3; provided, further, that a request under Sections 2.1 or 2.2 will not be deemed to constitute a request for purposes of the foregoing limitations
if such request is withdrawn pursuant to Section 2.5 or is not counted as one of the permitted registrations pursuant to this Section 2.3. A registration will not count as one of the permitted
registrations under Sections 2.1 or 2.2 (i) if the Registration Statement thereto does not become effective, (ii) if the Registration Statement thereto has not remained effective until the earlier of the time when all Registrable
Shares included therein by the initiating Large Investor(s) are sold or the end of the period described in Section 4.1(b), as the case may be, (iii) if, after it has become effective, such Registration Statement
becomes subject to any stop order, injunction or other order or requirement of the Commission or other governmental entity for any reason during the period described in Section 4.1(b), as the case may be, unless such order
or requirement is lifted and the Registration Statement becomes effective, (iv) if the conditions to closing specified in the purchase agreement or underwriting agreement entered into in connection with the offering and sale of Registrable
Shares under such Registration Statement are not satisfied or waived, except if the failure of such closing conditions to be satisfied is caused by the initiating Large Investor(s), or (v) any of the initiating Large Investors are not able to
register and sell at least 50% of the Registrable Common Shares or 100% of the Registrable Preferred Shares, as the case may be, requested to be included by such initiating Large Investor in such registration, other than by reason of such initiating
Large Investor withdrawing its request or terminating the offering. 
 2.4    Qualified Initial Public Offering.

 (a)    If requested in writing by either or both of the Large Investors, USCB agrees to file (or cause any
newly-formed holding company of USCB to file) a Registration Statement to effect a Qualifying Initial Public Offering and to use reasonable best efforts to complete (or cause any newly-formed holding company of USCB to complete), such Qualifying
Initial Public Offering not later than five (5) years after the date of this Agreement. The right of Investors to participate in such registration shall be conditioned on such Investors accepting the reasonable terms and conditions of such
underwriting as agreed upon among USCB, the Large Investors and the underwriters selected by the initiating Large Investor. Upon receipt of any such request, USCB shall promptly give written notice of such proposed registration to all Investors.
Such Investors shall have the right, by giving written notice to USCB within [20] days after USCB provides its notice, to elect to have included in such registration on the same terms as the initiating Large Investor(s) such of their Registrable
Shares as such Investors may request in such notice of election, subject to the terms of this Agreement. Thereupon, subject to the terms of this Agreement, USCB shall use its reasonable best efforts to effect the Qualifying Initial Public Offering,
including the registration, on Form S-1, of all Registrable Common Stock that USCB has been requested so to register. 

(b)    In connection with such Qualifying Initial Public Offering, the Board of Directors of USCB shall consult with its
financial advisor and/or proposed 

  
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underwriters for the offering contemplated by such Qualifying Initial Public Offering with respect to the formation of a new holding company as the optimal means for effecting the offering, and,
if the Board of Directors of USCB is so advised that forming a new holding company is the optimal means to effect the Qualifying Initial Public Offering, then USCB and the Investors shall use commercially reasonable efforts to form a Delaware
corporation as the new holding company of USCB, to effect an exchange of USCB Common Stock for securities in the new holding company having substantially equivalent rights and privileges as those of USCB Common Stock so exchanged, and to enter into
agreements providing for arrangements with respect to the governance of the new holding company that are substantially equivalent to the governance and other arrangements set forth in the governing documents of USCB, the Investment Agreement and
Subscription Agreements (collectively, the “Holding Company Formation”), including using commercially reasonable efforts to obtain all requisite regulatory approvals for the Holding Company Formation; provided that in
no event shall the parties be required to effect the Holding Company Formation to the extent that doing so (1) would result in any Investor or any of its affiliates being deemed to control USCB for purposes of the Bank Holding Company Act of
1956, as amended, or the Federal Deposit Insurance Act or being required to register as a bank holding company or (2) would result in any diminution or adverse change to the governance and other rights of any Investor under the governing
documents of USCB, the Investment Agreement or the Subscription Agreements; provided, further, that any time period within which USCB is required to file a registration statement or effect a registration pursuant to this
Section 2.4 shall be tolled until any regulatory approval required to effect the Holding Company Formation has been obtained (so long as USCB shall use its commercially reasonable efforts to obtain such approval as promptly
as practicable). 
 (c)    USCB shall (or shall cause any newly formed holding company to) issue and sell such number
of securities in the Qualifying Initial Public Offering as is requested by the managing underwriter(s) if they determine such issuance and sale to be reasonably necessary for the successful marketing of the Qualifying Initial Public Offering. 

2.5    Postponement of Demand Registrations. If at the time of any request to register Registrable Shares pursuant
to Sections 2.1 or 2.2, USCB is engaged or has fixed plans to engage within 30 days of the time of the request in a registered public offering as to which the Investors may include Registrable Shares pursuant to
Section 3 or is engaged in any other activity that, in the good faith determination of USCB’s Board of Directors, would be adversely affected by the requested registration to the material detriment of USCB, then USCB
may at its option direct that such request be delayed for a period not in excess of 90 days from the receipt of such registration request, such right to delay a request to be exercised by USCB not more than once in any one (1) year period;
provided that USCB shall not be entitled to so postpone unless it shall (a) concurrently request the suspension of sales by other security holders under Registration Statements covering USCB securities held by such other security
holders, (B) in accordance with USCB’s policies from time to time in effect, forbid purchases and sales in the open market by senior executives of USCB, and (C) itself refrain from any public offering and open market purchases during
the postponement; provided, further, that if USCB postpones the filing or effectiveness of a Registration Statement pursuant to this Section 2.5, the initiating Large Investor(s) requesting the related
registration under Sections 2.1 or 2.2 shall be entitled to withdraw such request and, if such request is withdrawn, such registration shall not count as one of the permitted registrations under such Sections. USCB shall provide
written notice to the 

  
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initiating Large Investor(s) requesting such registration and all other Investors of (x) any postponement of the filing or effectiveness of a Registration Statement pursuant to this
Section 2.5, (y) USCB’s decision to file or seek effectiveness of such Registration Statement following such postponement and (z) the effectiveness of such Registration Statement. In addition, if at or after the
time of any request to register Registrable Common Shares pursuant to Section 2.4, USCB and the Large Investors who requested the registration mutually determine, in good faith after consultation with one another,
that market conditions make it impracticable to attempt to initiate, or, after initiating, to continue and consummate a Qualifying Initial Public Offering, then such registration shall be delayed and then initiated or
re-initiated as soon as reasonably practical, as determined by USCB and the Large Investors who requested the registration mutually determine, in good faith. 

2.6    Priority on Demand Registrations. For the purposes of underwritten registrations pursuant to this
Section 2, if the managing underwriter(s) of the requested registration advise USCB in writing (with a copy to the Large Investor(s) requesting such registration and the Investors requesting participation in such
registration) that, in their opinion the number of Registrable Shares proposed to be included in any such registration would adversely affect the price per share of the Registrable Shares to be sold in such offering, USCB shall include in such
registration only the number of Registrable Shares that, in the opinion of such managing underwriters, can be sold without such adverse effect. If the number of Registrable Shares which can be so sold is less than the number requested to be
registered, the amount of Registrable Shares to be sold shall be allocated (a) first, pro rata among the Large Investors desiring to participate in such registration on the basis of the amount of such Registrable Shares requested to be
registered by such Large Investors, (b) second, pro rata among the Small Investors desiring to participate in such registration on the basis of the amount of such Registrable Shares requested to be registered by such Small Investors, and
(c) third, to USCB; provided that for the purposes of underwritten registrations pursuant to Section 2.4, if the managing underwriter(s) of such registration advises USCB in writing (with a copy to the Large
Investor(s) requesting such registration and the Investors requesting participation in such registration) that, in their opinion allocating Registrable Common Shares in such order would materially and adversely affect such public offering, then the
amount of Registrable Common Shares to be sold shall be allocated (x) first, between USCB, on the one hand, and the Large Investors desiring to participate in such registration collectively, on the other hand (and, as to the Large Investors
collectively, pro rata among the Large Investors desiring to participate in such registration on the basis of the amount of such Registrable Shares requested to be registered by such Large Investors), in order to avoid such material and adverse
effect, and (y) second, pro rata among the Small Investors desiring to participate in such registration on the basis of the amount of such Registrable Shares requested to be registered by such Small Investors. 

2.7    Shelf Option. In connection with any registration pursuant to Section 2.1 or
2.2, the initiating Large Investor(s) thereof may elect that USCB effect such registration by filing a registration statement under the Securities Act (a “Shelf Registration Statement”) which provides for the sale by such
Large Investor(s) of its Registrable Common Shares or Registrable Preferred Shares, as the case may be, from time to time on a delayed or continuous basis pursuant to Rule 415 under the Securities Act, which registration statement shall provide for
the disposition of Registrable Common Shares or Registrable Preferred Shares, as the case may be, pursuant to such distribution methods as the Large Investor(s) specify in connection with such request (the “Shelf Option”);
provided that USCB is eligible to register securities on a delayed or continuous basis pursuant to Rule 415 under the Securities Act. 

  
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 Section 3.    Piggyback Registration Rights on Primary
Issuances. 
 3.1    Piggyback Registration Rights. Whenever USCB proposes to file a Registration Statement
(other than pursuant to Section 2) at any time and from time to time, it will, prior to such filing, give written notice to all Investors of its intention to do so and, upon the written request of an Investor or Investors
given within [20] days after USCB provides such notice (which request shall state the intended method of disposition of such Registrable Shares, the number of securities proposed to be registered, the proposed managing underwriter(s) (if any, and if
known) and a good faith estimate by USCB of the proposed minimum offering price of such equity securities), USCB shall use its reasonable best efforts to cause all Registrable Shares that USCB has been requested by such Investor or Investors to
register to be registered under the Securities Act to the extent necessary to permit their sale or other disposition on the same terms as USCB pursuant to such Registration Statement and pursuant to the terms of this Agreement; provided, that
USCB shall have the right to postpone or withdraw any registration effected pursuant to this Section 3 without obligation to any Investor; provided, further that such postponement or withdrawal does not
relieve USCB of its obligations to pay registration expenses pursuant to Section 10. Each Investor shall be permitted to withdraw all or part of such Investor’s Registrable Shares from a registration under this
Section 3.1 at any time prior to the effectiveness of such registration. 

3.2    Priority on Piggyback Registrations. In connection with any offering under this
Section 3 involving an underwriting, USCB shall not be required to include any Registrable Shares in such underwriting unless the Investors requesting registration in connection thereof accept the terms of the underwriting
as agreed upon between USCB and the underwriters selected by USCB. If, in the opinion of the managing underwriter, the registration of all, or part of, the Registrable Shares that the Investors have requested to be included would materially and
adversely affect such public offering, then USCB shall be required to include in the underwriting only that number of Registrable Shares, if any, that the managing underwriter(s) in good faith believes may be sold without causing such adverse
effect; and provided that no Persons other than USCB, the Investors and the successors, permitted assigns, heirs, executors or administrators of any Investor shall be permitted to include securities in the offering. If the number of Registrable
Shares which can be so sold is less than the number requested to be registered, the amount of Registrable Shares to be sold shall be allocated (a) first, the shares that USCB desires to sell shall be included in the registration, and
(b) second, pro rata among the Investors desiring to participate in such registration on the basis of the amount of such Registrable Common Shares requested to be registered by such Investors. 

  
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 Section 4.    Registration Procedures. 

4.1    If and whenever USCB is required by the provisions of this Agreement to effect the registration of any of the
Registrable Shares under the Securities Act, USCB shall: 
 (a)    prepare and file with the Commission a Registration
Statement with respect to such Registrable Shares as soon as practicable, but in any event within (i) five (5) months after the request by one or more of the Large Investors in the case of an Initial Public Offering and (ii) sixty (60)
days after the request by one or more of the Large Investors in the case of any other registration, and, in each case, use its reasonable best efforts to cause that Registration Statement to be declared effective as soon as practicable thereafter;

 (b)    use reasonable best efforts to keep any Registration Statement effective for at least 180 days from its
effectiveness date or until the completion of the distribution (which dates shall be extended to the extent effectiveness is suspended during such time); provided that if the initiating Large Investors elect the Shelf Option, USCB shall use
its reasonable best efforts to keep the Shelf Registration Statement continuously effective and usable for the resale of the Registrable Shares covered thereunder until all the Registrable Shares covered thereunder shall have been sold pursuant to
such Shelf Registration Statement; 
 (c)    as expeditiously as possible prepare and file with the Commission any
amendments and supplements to the Registration Statement and the prospectus included in the Registration Statement as may be necessary to keep the Registration Statement effective, and comply with the provisions of the Securities Act with respect to
the disposition of all securities covered by such Registration Statement; 
 (d)    as expeditiously as possible
furnish to each selling Investor such reasonable numbers of copies of the Registration Statement, each amendment and supplement thereto, prospectus, including a preliminary prospectus, in conformity with the requirements of the Securities Act, and
such other documents as the selling Investor may reasonably request in order to facilitate the public sale or other disposition of the Registrable Shares owned by the selling Investor; 

(e)    as expeditiously as possible use its best efforts to register or qualify the Registrable Shares covered by the
Registration Statement under the securities or “blue sky” laws of such states as the selling Investors shall reasonably request, and do any and all other acts and things that may be necessary or desirable to enable the selling Investors to
consummate the public sale or other disposition in such states of the Registrable Shares owned by the selling Investor; provided, however, that USCB shall not be required in connection with this Section 4.1 to
qualify as a foreign corporation or execute a general consent to service of process in any jurisdiction; 
 (f)    in
the case of an underwritten offering, enter into customary agreements (including underwriting agreements in customary form) and take such other reasonable and customary actions as deemed advisable by the underwriter(s) in order to expedite or
facilitate the disposition of such Registrable Shares (including, without limitation and to the extent reasonably customary, effecting a stock split or a combination of shares and making members of senior management of USCB available to participate
in, and cause them to cooperate with the underwriters in connection with, “road-show” and other customary marketing activities (including one-on-one meetings
with prospective purchasers of the Registrable Shares)) and cause to be delivered to the underwriters opinions of counsel to USCB in customary form, covering such matters as are customarily covered by opinions for an underwritten public offering as
the underwriters may request and addressed to the underwriters; 

  
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 (g)    to the extent reasonably customary, make available, for
inspection by any seller of Registrable Shares, any underwriter participating in any disposition pursuant to such Registration Statement, and any attorney, accountant or other agent retained by any such seller or underwriter, all financial and other
records, pertinent corporate documents and properties of USCB, and cause USCB’s officers, directors, employees and independent accountants to supply all information reasonably requested by any such seller, underwriter, attorney, accountant or
agent in connection with such Registration Statement; 
 (h)    use its reasonable best efforts to cause all such
Registrable Shares to be listed on each securities exchange or quotation system on which securities of the same series or class issued by USCB are then listed, or if no such similar securities are then listed, on a national securities exchange
selected by the USCB; 
 (i)    provide a transfer agent and registrar for all such Registrable Shares not later than
the effective date of such Registration Statement; 
 (j)    cooperate with the Investors of Registrable Shares being
offered pursuant to the Registration Statement to issue and deliver, or cause its transfer agent to issue and deliver, certificates (or shares in book-entry form) representing Registrable Shares to be offered pursuant to the Registration Statement
within a reasonable time after the delivery of certificates (or shares in book-entry form) representing the Registrable Shares to the transfer agent or USCB, as applicable, and enable such certificates (or shares in book-entry form) to be in such
denominations or amounts as the Investors may reasonably request and registered in such names as the Investors may request; 

(k)    if requested, cause to be delivered, immediately prior to the effectiveness of the Registration Statement (and, in
the case of an underwritten offering, at the time of delivery of any Registrable Shares sold pursuant thereto), comfort letters from the USCB’s independent certified public accountants addressed to each underwriter, if any, stating that such
accountants are independent public accountants within the meaning of the Securities Act and the applicable rules and regulations adopted by the Commission thereunder, and otherwise in customary form and covering such financial and accounting matters
as are customarily covered by letters of the independent certified public accountants delivered in connection with primary or secondary underwritten public offerings, as the case may be; 

(l)    make generally available to its shareholders a consolidated earnings statement (which need not be audited) for at
least the 12 months beginning after the effective date of a Registration Statement as soon as reasonably practicable after the end of such period, which earnings statement shall satisfy the requirements of an earnings statement under
Section 11(a) of the Securities Act; 

  
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 (m)    promptly notify each seller of Registrable Shares and the
underwriter(s), if any: 
 (i)    when the Registration Statement, any
pre-effective amendment, the prospectus or any prospectus supplement or post-effective amendment to the Registration Statement has been filed and, with respect to the Registration Statement or any
post-effective amendment, when the same has become effective; 
 (ii)    of any written request by the Commission for
amendments or supplements to the Registration Statement or prospectus or of any inquiry by the Commission relating to the Registration Statement, with a copy of the same, and an oral or written summary of any such oral requests; 

(iii)    of the notification to USCB by the Commission of its initiation or threat of any proceeding with respect to the
issuance by the Commission of any stop order suspending the effectiveness of the Registration Statement, of the issuance by the Commission of a notification of objection to the use of the form on which the Registration Statement has been filed, and
of the happening of any event that causes USCB to become an “ineligible issuer,” as defined in Rule 405 of the Securities Act; and 

(iv)    of the receipt by USCB of any notification or threat with respect to the suspension of the qualification of any
Registrable Shares for sale under the applicable securities or “blue sky” laws of any jurisdiction; and 

(n)    provide a CUSIP number for the Registrable Shares and take such other customary actions as shall be reasonably
requested by Investors holding a majority of the Registrable Shares to be sold (excluding for such calculation, the shares held by USCB) or the underwriters in order to expedite or facilitate the disposition of such Registrable Shares. 

If USCB has delivered preliminary or final prospectuses to the selling Investors and after having done so the prospectus is amended to comply with the
requirements of the Securities Act, USCB shall promptly notify the selling Investors and, if requested by USCB, the selling Investors shall immediately cease making offers of Registrable Shares and return all prospectuses to USCB. USCB shall
promptly provide the selling Investors with revised prospectuses and, following receipt of the revised prospectuses, the selling Investors shall be free to resume making offers of the Registrable Shares. 

4.2    No Registration Statement (including any amendments thereto and prospectuses contained therein) shall contain any
untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein (in the case of any prospectus or supplement to a prospectus, in light of the circumstances under which
they were made) not misleading; provided, that the foregoing shall not apply, with respect to any Investor, for an untrue statement or alleged untrue statement of a material fact or omission or alleged omission of a material fact made in
reliance on and in conformity with written information that relates to the Investor or the Investor’s proposed method of distribution of Registrable Securities furnished to USCB by or on behalf of such Investor specifically for use in such
Registration Statement and was reviewed and approved in writing by the Investor for use in a Registration Statement. 

  
 11 

 4.3    USCB will promptly respond to any and all comments received from
the Commission on any Registration Statement, with a view towards causing such Registration Statement or any amendment thereto to be declared effective by the Commission as soon as practicable and shall file an acceleration request as soon as
practicable following the resolution or clearance of all Commission comments or, if applicable, following notification by the Commission that any such Registration Statement or any amendment thereto will not be subject to review. 

4.4    If any such Registration Statement refers to any Investor by name or otherwise as the holder of any securities of
USCB, then such Investor shall have the right to require (a) the insertion therein of language, in form and substance reasonably satisfactory to such Investor, to the effect that the holding by such Investor of such securities does not
necessarily make such holder a “controlling person” of USCB within the meaning of the Securities Act and is not to be construed as a recommendation by such Investor of the investment quality of USCB’s securities covered thereby and
that such holding does not imply that such Investor will assist in meeting any future financial requirements of USCB, or (b) in the event that such reference to such Investor by name or otherwise is not required by the Commission or Securities
Act or any similar federal statute then in force, the deletion of the reference to such Investor. 
 4.5    In
connection with the preparation and filing of each Registration Statement registering any Investor’s Registrable Shares under the Securities Act, USCB will give each such Investor and the underwriters, if any, and their respective counsel and
accountants, drafts of such Registration Statement for their review and comment prior to filing (with a reasonable period of time to review and comment prior to such filing). 

Section 5.    Allocation of Expenses. USCB will pay all Registration Expenses (as defined below) of all
registrations under this Agreement; provided, that if a registration under Section 2 is withdrawn at the request of the Investors requesting such registration (other than as a result of information concerning the
business or financial condition of USCB that is made known to the Investors after the date on which such registration was requested) and if the requesting Investors elect not to have such registration counted as a registration requested under
Section 2 the requesting Investors shall pay the Registration Expenses of such registration pro rata in accordance with the number of their Registrable Shares requested to be included in such registration. For purposes of
this Section 5, the term “Registration Expenses” shall mean all expenses incurred by USCB in complying with this Agreement, including, without limitation, all registration and filing fees, exchange
listing fees, printing expenses, fees and disbursements of counsel for USCB and the reasonable fees and expenses of one (1) special counsel and other local counsel as reasonably required and selected by the selling Investors to represent the
selling Investors in any registration, state “blue sky” fees and expenses, and the expense of any special audits incident to or required by any such registration, but excluding underwriting discounts, selling commissions and the fees. 

Section 6.    Indemnification and Contribution. In the event of any registration of any of the Registrable
Shares under the Securities Act pursuant to this Agreement, USCB will indemnify and hold harmless the seller of such Registrable Shares, each underwriter of such seller of such Registrable Shares, and each other person, if any, who is an officer,
director, employee, member, partner, agent or affiliate of such seller or underwriter and each other person, if any, who controls such seller or underwriter within the meaning of the Securities Act or the Exchange Act

  
 12 

 
against any losses, claims, damages or liabilities (including, without limitation, reasonable attorneys’ fees) and expenses, as incurred, arising out of or relating to (a) any untrue
statement or alleged untrue statement of any material fact contained in any Registration Statement under which such Registrable Shares were registered under the Securities Act, any preliminary prospectus or final prospectus contained in the
Registration Statement, or any amendment or supplement to such Registration Statement or prospectus, or arising out of or based upon any omission or alleged omission to state a material fact required to be stated therein or necessary to make the
statements therein not misleading, or (b) any violation or alleged violation by USCB of the Securities Act, the Exchange Act or any “blue sky” law, or any rule or regulation thereunder, in connection with the performance of its
obligations under this Agreement; and USCB will reimburse such seller, underwriter and each such controlling person for any legal or any other expenses reasonably incurred by such seller, underwriter or controlling person in connection with
investigating or defending any such loss, claim, damage, liability or action; provided, however, that USCB will not be liable in any such case to the extent, but only to the extent, that any such loss, claim, damage or liability arises
out of or is based upon any untrue statement or omission made in such Registration Statement, preliminary prospectus or prospectus, or any such amendment or supplement, in reliance upon and in conformity with information that relates to such seller,
underwriter or controlling person or such seller’s, underwriter’s or controlling person’s proposed method of distribution of Registrable Securities furnished to USCB, in writing, by or on behalf of such seller, underwriter, officer,
director, employee, member, partner agent, affiliate or controlling person specifically for use in the preparation thereof and was reviewed and approved in writing by such seller, underwriter or controlling person for use in a Registration
Statement, preliminary prospectus or final prospectus or in any amendment or supplement thereto. 
 In the event of any registration of any
of the Registrable Shares under the Securities Act pursuant to this Agreement, each seller of Registrable Shares, severally and not jointly, will indemnify and hold harmless USCB, each of its directors and officers and each underwriter (if any) and
each person, if any, who controls USCB or any such underwriter within the meaning of the Securities Act or the Exchange Act, and any other seller of Registrable Shares or any such seller’s partners, directors or officers and each person, if
any, who controls such seller within the meaning of the Securities Act and the Exchange Act, against any losses, claims, damages or liabilities, joint or several, to which USCB, such directors and officers, underwriter, selling stockholder or
controlling person may become subject under the Securities Act, Exchange Act, state securities or “blue sky” laws or otherwise, insofar as such losses, claims, damages or liabilities (or actions in respect thereof) arise out of or are
based upon any untrue statement or alleged untrue statement of a material fact contained in any Registration Statement under which such Registrable Shares were registered under the Securities Act, any preliminary prospectus or final prospectus
contained in the Registration Statement, or any amendment or supplement to the Registration Statement, or arise out of or are based upon any omission or alleged omission to state a material fact required to be stated therein or necessary to make the
statements therein not misleading, and each such seller of Registrable Shares will reimburse USCB for any legal or any other expenses reasonably incurred by USCB in connection with investigating or defending any such loss, claim, damage, liability
or action but only if such statement or omission was made in reliance upon and in conformity with information that relates to such seller, underwriter or controlling person or such seller’s, underwriter’s or controlling person’s
proposed method of distribution of Registrable Securities furnished in writing to USCB by or on behalf of such seller, specifically for use in connection with the preparation of such Registration Statement, prospectus,

  
 13 

 
amendment or supplement and was reviewed and approved in writing by such seller, underwriter or controlling person for use in a Registration Statement, preliminary prospectus or final prospectus
or in any amendment or supplement thereto; provided, that the obligations of such sellers hereunder shall be limited to an amount equal to the net proceeds received by each seller of Registrable Shares sold as contemplated herein. 

Each party entitled to indemnification under this Section 6 (the “Indemnified Party”) shall
give notice to the party required to provide indemnification (the “Indemnifying Party”) promptly after such Indemnified Party has actual knowledge of any claim as to which indemnity may be sought, and shall permit the
Indemnifying Party to assume the defense of any such claim or any litigation resulting therefrom; provided, that counsel for the Indemnifying Party, who shall conduct the defense of such claim or litigation, shall be approved by the
Indemnified Party (whose approval shall not be unreasonably withheld); and, provided, further, that the failure of any Indemnified Party to give notice as provided herein shall not relieve the Indemnifying Party of its
obligations under this Agreement, except to the extent that the Indemnifying Party’s ability to defend against such claim or litigation is impaired as a result of such failure to give notice. The Indemnified Party may participate in such
defense at such party’s expense; provided, that the Indemnifying Party shall pay such expense if representation of such Indemnified Party by the counsel retained by the Indemnifying Party would be inappropriate due to actual or potential
differing interests between the Indemnified Party and any other party represented by such counsel in such proceeding. No Indemnifying Party in the defense of any such claim or litigation shall, except with the consent of each Indemnified Party,
consent to entry of any judgment or enter into any settlement that does not include as an unconditional term thereof the giving by the claimant or plaintiff to such Indemnified Party and its affiliates of a release from all liability in respect of
such claim or litigation, does not involve a finding or admission of wrongdoing by the Indemnified Party or any of its affiliates, does not impose equitable remedies or obligations on the Indemnified Party or any of its affiliates other than solely
the payment of money damages for which the Indemnifying Party will pay. So long as the Indemnifying Party is reasonably contesting any such claim or litigation in good faith, no Indemnified Party shall consent to entry of any judgment or settle such
claim or litigation without the prior written consent of the Indemnifying Party; provided that the Indemnified Party shall have the right to pay or settle any such claim or litigation without such consent if the Indemnified Party agrees in
writing to waive any right to indemnity by the Indemnifying Party for such claim or litigation. If the Indemnifying Party does not assume the defense in connection with this Section 6, or if the Indemnifying Party elects to
undertake the defense thereof but thereafter fails to defend the claim or litigation in good faith, the Indemnified Party shall have the right to contest, settle or compromise the claim or litigation but shall not thereby waive any right to
indemnity therefor pursuant to this Agreement. Each Indemnified Party shall furnish such information regarding itself or the claim in question as an Indemnifying Party may reasonably request in writing and as shall be reasonably required in
connection with the defense of such claim and litigation resulting therefrom; provided that nothing herein shall require either the Indemnifying Party or the Indemnified Party to waive any attorney-client privilege or attorney’s duty of
confidentiality or confidential treatment, and that the obligations set forth in this sentence shall be null and void and of no force and effect in the event that either such party has been advised in writing by counsel that a reasonably likelihood
exists of a material conflict of interest between the Indemnified Party and Indemnifying Party. 

  
 14 

 In order to provide for just and equitable contribution in circumstances in which the
indemnification provided for in this Section 6 is due in accordance with its terms but for any reason is held to be unavailable to an Indemnified Party in respect to any losses, claims, damages and liabilities referred to
herein, then the Indemnifying Party shall, in lieu of indemnifying such Indemnified Party, contribute to the amount paid or payable by such Indemnified Party as a result of such losses, claims, damages or liabilities to which such party may be
subject in proportion as is appropriate to reflect the relative fault of the Indemnifying Party on the one hand and the Indemnified Party on the other in connection with the statements or omissions that resulted in such losses, claims, damages or
liabilities, as well as any other relevant equitable considerations. The relative fault of the Indemnifying Party and the Indemnified Party shall be determined by reference to, among other things, whether the untrue or alleged untrue statement of
material fact related to information supplied by the Indemnifying Party or the Indemnified Party and the parties’ relative intent, knowledge, access to information and opportunity to correct or prevent such statement or omission. USCB and the
Investors agree that it would not be just and equitable if contribution pursuant to this Section 6 were determined by pro rata allocation or by any other method of allocation that does not take account of the equitable
considerations referred to above. Notwithstanding the provisions of this paragraph of Section 6, (a) in no case shall any one Investor be liable or responsible for any amount in excess of the net proceeds received by such
Investor from the offering of Registrable Shares and (b) USCB shall be liable and responsible for any amount in excess of such proceeds; provided, however, that no person guilty of fraudulent misrepresentation (within the meaning
of Section 11(f) of the Securities Act) shall be entitled to contribution from any Person who was not guilty of such fraudulent misrepresentation. Any party entitled to contribution will, promptly after receipt of notice of commencement of any
action, suit or proceeding against such party or parties under this Section 6, notify such party or parties from whom such contribution may be sought, but the omission so to notify such party or parties from contribution may be
sought shall not relieve such party from any other obligation it or they may have thereunder or otherwise under this Section 6. No party shall be liable for contribution with respect to any action, suit, proceeding or claim
settled without its prior written consent, which consent shall not be unreasonably withheld. 

Section 7.    Indemnification with Respect to Underwritten Offering. In the event that Registrable Shares are
sold pursuant to a Registration Statement in an underwritten offering pursuant to Sections 2 or 3, USCB agrees to enter into an underwriting agreement containing customary representations and warranties with respect to the business and
operations of an issuer of the securities being registered and customary covenants and agreements to be performed by such issuer, including without limitation customary provisions with respect to indemnification by USCB of the underwriters of such
offering. 
 Section 8.    Information by Holder. Each holder of Registrable Shares included in any
registration shall furnish to USCB such information regarding such holder and the distribution proposed by such holder as USCB may reasonably request in writing and as shall be required in connection with any registration, qualification or
compliance referred to in this Agreement. 

  
 15 

 Section 9.    “Market
Stand-Off” Agreement. 
 9.1    Each Investor, if requested by the
managing underwriter(s) of an underwritten offering in which such Investor is selling Registrable Securities, shall agree not to sell or otherwise transfer or dispose of any Registrable Shares or other securities of USCB held by such Investor
without the consent of the applicable managing underwriter(s) for a specified period of time agreed by the managing underwriter(s) (not to exceed 180 days, which period may be extended upon the request of the managing underwriter, to the extent
required by the National Association of Securities Dealers rules, for an additional period of up to eighteen (18) days if USCB issues or proposes to issue an earnings or other public release within seventeen (17) days of the expiration of
the 180-day lockup period) following the effective date of a Registration Statement, except for such securities as shall be included in such registration and except as permitted by customary exceptions to be
included therein (the “Stand-Off Period”); provided, that all stockholders holding 1% or more of the USCB Common Stock (including shares of USCB Common Stock issuable upon the
conversion of convertible securities, or upon the exercise of options, warrants or rights) and all officers and directors of USCB enter into similar agreements. 

9.2    Such agreement shall be in writing in a form reasonably satisfactory to such managing underwriter(s). USCB may
impose stop-transfer instructions with respect to the Registrable Shares or other securities subject to the foregoing restriction until the end of the stand-off period (including any extension of the Stand Off
Period under the applicable rules of the National Association of Securities Dealers). 
 9.3    If the terms of any lock-up agreement between the managing underwriter(s) and any stockholder, officers or directors are more favorable from the perspective of such stockholder, officer or director than those contained herein, than
this Section 9 shall be deemed amended to incorporate such terms. In the event that such managing underwriter(s) consents to waive or release any Investor from the provisions of Section 9, then all
such Investors shall be entitled to such waiver or release. The obligation in this Section 9 shall not apply to, if the Investor is a corporation, partnership, limited liability company or other business entity,
(a) any transfers to any shareholder, partner or member of, or owner of a similar equity interest in, the Investor, as the case may be, if, in any such case, such transfer is not for value, (b) any transfer made by the Investor (i) in
connection with the sale or other bona fide transfer in a single transaction of all or substantially all of the Investor’s capital stock, partnership interests, membership interests or other similar equity interests, as the case may be, or all
or substantially all of the Investor’s assets, in any such case not undertaken for the purpose of avoiding the restrictions imposed by this agreement or (ii) to another corporation, partnership, limited liability company or other business
entity so long as the transferee is a partner, stockholder or Affiliate of such Investor and such transfer is not for value. 

Section 10.    Expenses. USCB shall pay, and hold the Investors and all holders of Registrable Shares
harmless against liability for the payment of (i) the reasonable fees and expenses incurred by USCB with respect to any amendments or waivers (whether or not the same become effective) under or in respect of this Agreement and (ii) the
reasonable fees and expenses incurred by one or more Investors with respect to the enforcement of their rights granted under this Agreement. 

  
 16 

 Section 11.    Rule 144 Requirements. After the earliest of
(i) the closing of the sale of equity securities of USCB pursuant to a Registration Statement or (ii) the registration by USCB of a class of securities under Section 12 of the Exchange Act, USCB shall: 

(a)    comply with the requirements of Rule 144(c) under the Securities Act with respect to current public information
about USCB; 
 (b)    file with the Commission in a timely manner all reports and other documents required of USCB
under the Securities Act and the Exchange Act (at any time after it has become subject to such reporting requirements); and 

(c)    furnish to any holder of Registrable Shares upon written request (i) a written statement by USCB as to its
compliance with the requirements of said Rule 144(c), and the reporting requirements of the Securities Act and the Exchange Act (at any time after it has become subject to such reporting requirements) and (ii) a copy of the most recent annual
or quarterly report of USCB. 
 Section 12.    Selection of Underwriter. In the case of any registration
effected pursuant to Section 2 of this Agreement, the initiating Large Investor shall have the right to designate the managing underwriter(s) in any underwritten offering. In the case of any registration effected pursuant
to Section 3 of this Agreement, USCB shall have the right to designate the managing underwriter in any underwritten offering, subject to the approval of the holders of a majority of the Registrable Shares requested to be
included in such offering, which approval shall not be unreasonably withheld. 
 Section 13.    Mergers,
Etc. USCB shall not, directly or indirectly, enter into any merger, consolidation, or reorganization in which USCB shall not be the surviving corporation unless the proposed surviving corporation shall, prior to such merger, consolidation, or
reorganization, agree in writing to assume the obligations of USCB under this Agreement, and for that purpose references hereunder to “Registrable Shares” shall be deemed to be references to the securities that the Investor would be
entitled to receive in exchange for Registrable Shares under any such merger, consolidation, or reorganization; provided, that the provisions of this Agreement shall not apply in the event of any merger, consolidation, or reorganization in
which USCB is not the surviving corporation if all Investors are entitled to receive in exchange for their Registrable Shares consideration consisting solely of (i) cash, (ii) securities of the acquiring corporation that may be immediately sold
to the public without registration under the Securities Act, or (iii) securities of the acquiring corporation that the acquiring corporation has agreed to register within 90 days of completion of the transaction for resale to the public
pursuant to the Securities Act. 
 Section 14.    Successors and Assigns. Subject to compliance with
Section 15, the provisions of this Agreement shall be binding upon, and inure to the benefit of, the respective successors, permitted assigns, heirs, executors and administrators of the parties hereto. 

Section 15.    Transfers of Certain Rights. Notwithstanding anything to the contrary herein, an Investor may
transfer rights granted to it under this Agreement to any partner, stockholder or Affiliate of such Investor, or to another Investor, in each case to whom Registrable Shares are transferred and who delivers to USCB a written instrument, as a
condition to such 

  
 17 

 
transfer, by which such transferee agrees to be bound by the obligations imposed upon the Investors under this Agreement to the same extent as if such transferee were an investor hereunder and
containing the representation that the transfer is exempt from registration under the Securities Act. In the event of such transfer, such partner, stockholder or Affiliate shall be deemed to be an Investor for purposes of this
Section 15 and may again transfer such rights to any other Person that acquires Registrable Shares from such partner or stockholder, in accordance with, and subject to, the provisions of this
Section 15; provided, that if an Investor transfers rights under this Agreement to its partners at any time prior to the completion of USCB’s Initial Public Offering, the general partner of such Investor shall
be deemed the sole recipient of notices for all of such Investor’s partners for the purposes of Section 16.7 of this Agreement. 

Section 16.    Miscellaneous. 

16.1    No Inconsistent Agreements. USCB will not hereafter enter into any agreement with respect to its
securities that is inconsistent with or violates the rights granted to the holders of Registrable Shares in this Agreement. 

16.2    Adjustments Affecting Registrable Shares. USCB will not take any action, or permit any change to occur,
with respect to its securities that would adversely affect the ability of the holders of Registrable Shares to include such Registrable Shares in a registration undertaken pursuant to this Agreement or that would adversely affect the marketability
of such Registrable Shares in any such registration (including, without limitation, effecting a stock split or a combination of shares). 

16.3    Remedies. Except as set forth in Section 2.4, any Person having rights under any
provision of this Agreement will be entitled to enforce such rights specifically (without posting any bond or other security), to recover damages caused by reason of any breach of any provision of this Agreement and to exercise all other rights
granted by law. 
 16.4    Amendments and Waivers. Except as otherwise provided herein, the provisions of this
Agreement may be amended or restated and USCB may take action herein prohibited, or omit to perform any act herein required to be performed by it, if, but only if USCB has obtained the written consent of holders of at least a majority of the
Registrable Shares then in existence; provided, that any amendment which adversely affects any of the holders of Registrable Common Shares or Registrable Preferred Shares, as the case may be, in a manner different than holders of the other,
shall not be effective without the written consent of a majority of the holders so affected. Any such amendment, termination or waiver effected in accordance with this Section 16.5 shall be binding on all parties hereto,
even if they do not execute such consent. No waivers of or exceptions to any term, condition or provision of this Agreement, in any one or more instances, shall be deemed to be, or construed as, a further or continuing waiver of any such term,
condition or provision. 
 16.5    Governing Law. This Agreement and any dispute or controversy arising out of
or related to this Agreement shall be governed in all respects by the internal laws of the State of New York, without reference to principles of choice of law. 

  
 18 

 16.6    Notices. All notices and other communications required
or permitted hereunder shall be in writing and shall be deemed to have been given (i) when delivered personally to the recipient, (ii) one (1) business day after they have been sent to the recipient by reputable overnight courier service
(charges prepaid) or (iii) three (3) business days after mailed by first class mail, postage prepaid or (iv) 24 hours after confirmed facsimile transmission. Such notices, demands, and other communications shall be addressed: 

If to USCB: 
 R.
Alexander Acosta, Chairman 
 Carlos J. Davila, President/CEO 

U.S. Century Bank 
 2301 N.W.
87th Ave. 
 Doral, FL 33172 

Facsimile: 305-513-3734 

			
	e-mail:	  	 alex.acosta@uscentury.com

carlos.davila@uscentury.com

 with a copy (which shall not constitute notice) to: 

DLA Piper LLP (US) 
 6225 Smith
Avenue 
 Baltimore, MD 21209 

Attention: Jason Harmon, Esq. 

Facsimile: 410-580-3170 

email: jason.harmon@dlapiper.com 

If to Priam: 
 c/o Priam
Capital Associates, LLC 
 445 Park Avenue, Suite 1401 

New York, NY 10022 

			
	Attn:	  	 Howard Feinglass
 Andrew Goldman

 Facsimile: 212-688-1347

			
	email:	  	 Agoldman@priamcapital.com

Hfeinglass@priamcapital.com

 with a copy (which shall not constitute notice) to: 

Skadden, Arps, Slate, Meagher & Flom LLP 

4 Times Square 
 New York, NY
10036 
 Attn: David Ingles 

Facsimile: 212-735-2000 

email: David.Ingles@skadden.com 

  
 19 

 If to Patriot: 

c/o Patriot Financial Partners II, LP 

Cira Center 
 2929 Arch Street,
28th Floor 
 Philadelphia, PA 19104 

Attn: W. Kirk Wycoff 

Facsimile: 215-399-4665 

email: kwycoff@patriotfp.com 

with a copy (which shall not constitute notice) to: 

Covington & Burling LLP 

One CityCenter 
 850 Tenth
Street NW 
 Washington, D.C. 20001 

Attn: Frank M. Conner III 

Michael P. Reed 
 Facsimile: 202-662-6291 

			
	email:	  	 fconner@cov.com
 mreed@cov.com

 If to any other transferee to whom Registrable Shares were transferred in accordance with provisions of
this Agreement, at such address or addresses as may have been furnished to USCB in writing. 

16.7    Severability. In case any provision of this Agreement shall be invalid, illegal or unenforceable, the
validity, legality and enforceability of the remaining provisions of this Agreement or any provision of the other Agreements shall not in any way be affected or impaired thereby. 

16.8    Titles and Subtitles. The titles of the sections of this Agreement are for convenience of reference only
and are not to be considered in construing this Agreement. 
 16.9    No Registration of Companion Preferred
Stock. The registration rights granted herein apply only to the USCB Common Stock and the TARP Substitute Preferred Stock, and USCB shall not be obligated under this Agreement to register any Companion Preferred Stock. 

16.10    Complete Agreement. This Agreement constitutes the full and entire understanding and agreement between
the parties with regard to the subjects hereof and thereof, and any and all other written or oral agreements relating to the subject matter hereof existing between the parties hereto are expressly superseded hereby. 

[Signatures begin on the following page.] 

  
 20 

 IN WITNESS WHEREOF, the parties have executed this Registration Rights Agreement as of the
date first written above. 
  

			
	U.S. CENTURY BANK
		
	By:	 	 /s/ Carlos J. Davila

	Name:	 	Carlos J. Davila
	Title:	 	President & CEO

  
 [Signature Page to
Registration Rights Agreement] 

 
			
	 PRIAM CAPITAL FUND II, LP
  

By: Priam Capital Associates II LLC
 Its: General
Partner

		
	By:	 	 /s/ Howard Feinglass

	Name:	 	Howard Feinglass
	Title:	 	Managing Member

  
 [Signature Page to
Registration Rights Agreement] 

 
			
	PATRIOT FINANCIAL PARTNERS II, L.P.
		
	By:	 	 /s/ W. Kirk Wycoff

	Name:	 	W. Kirk Wycoff
	Title:	 	Managing Partner
	
	PATRIOT FINANCIAL PARTNERS PARALLEL II, L.P.
		
	By:	 	 /s/ W. Kirk Wycoff

	Name:	 	W. Kirk Wycoff
	Title:	 	Managing Partner

  
 [Signature Page to
Registration Rights Agreement] 

 
			
	 SMALL INVESTOR:
  

If an individual:

	
	 /s/ Gillian Arrieta

	Name:	 	Gillian Arrieta
	
	If an entity:
		
	Name:	 	  

 

			
	            By:	 	  

	             Name:

            Title:

  
 [Signature Page to
Registration Rights Agreement] 

 
			
	 SMALL INVESTOR:
  

If an individual:

	
	 /s/ Jodi Breitbart

	Name:	 	Jodi Breitbart
	
	If an entity:
		
	Name:	 	  

 

			
	            By:	 	  

	             Name:

            Title:

  
 [Signature Page to
Registration Rights Agreement] 

							
		 		 	 SMALL INVESTOR:
  

If an individual:

			
	 /s/ Juan N. Cento

Name: Juan N. Cento
	 		 	 /s/ Ana M. Cento

Name: Ana M. Cento

			
		 		 	If an entity:
				
		 		 	Name:	 	  

  

			
	By:	 	  

	 Name:
 Title:
	 	

  
 [Signature Page to
Registration Rights Agreement] 

 
			
	 SMALL INVESTOR:
  

If an individual:

		
	Name:	 	  

	
	If an entity:
	
	Name: The Clark Family Spray Trust
		
	By:	 	 /s/ Gary Clark

	 Name: Gary Clark
 Title:
Trustee

  
 [Signature Page to
Registration Rights Agreement] 

 
			
	 SMALL INVESTOR:
  

If an individual:

	
	  

	 Name:
  

If an entity:

	
	Name: Endicott Opportunity Partners IV, L.P.
		
	By:	 	 /s/ Wayne K. Goldstein

	Name:	 	Wayne K. Goldstein
	Title:	 	Managing Member – W.R. Endicott IV, LLC, As General Partner

  
 [Signature Page to
Registration Rights Agreement] 

 
			
	 SMALL INVESTOR:
  

If an individual:

	
	 /s/ Alejandro J. Garcia

	Name:	 	Alejandro J. Garcia
	
	If an entity:
		
	Name:	 	  

 

			
	            By:	 	  

	             Name:

            Title:

  
 [Signature Page to
Registration Rights Agreement] 

 
			
	 SMALL INVESTOR:
  

If an individual:

	
	  

	Name:	 	
	
	 If an entity:
  

Great Hallow International, L.P.

	         By: Abrams Capital Management, L.P.

          By: Abrams Capital Management,
LLC

 
			
		
	            By:	 	 /s/ David Abrams

	             Name: David Abrams

            Title: Managing Member

  
 [Signature Page to
Registration Rights Agreement] 

 
			
	 SMALL INVESTOR:
  

If an individual:

	
	  

	Name:	 	
	
	If an entity:
	
	Name: Greenhill Capital Partners III, L.P.

 
			
		
	            By:	 	 /s/ Boris Gutin

	             Name: Boris Gutin

            Title: Managing Director

  
 [Signature Page to
Registration Rights Agreement] 

 
			
	 SMALL INVESTOR:
  

If an individual:

	
	  

	Name:	 	
	
	If an entity:
	
	Name: Greenhill Capital Partners (Cayman Islands) III L.P.
		
	            By:	 	 /s/ Boris Gutin

	             Name: Boris Gutin

            Title: Managing Director

  
 [Signature Page to
Registration Rights Agreement] 

 
			
	 SMALL INVESTOR:
  

If an individual:

	
	  

	Name:	 	
	
	If an entity:
	
	Name: Greenhill Capital Partners (Employees) III L.P.
		
	            By:	 	 /s/ Boris Gutin

	             Name: Boris Gutin

            Title: Managing Director

  
 [Signature Page to
Registration Rights Agreement] 

 
			
	 SMALL INVESTOR:
  

If an individual:

	
	  

	Name:	 	
	
	If an entity:
	
	Name: Greenhill Capital Partners (GHL) III L.P.
		
	            By:	 	 /s/ Boris Gutin

	             Name: Boris Gutin

            Title: Managing Director

  
 [Signature Page to
Registration Rights Agreement] 

 
			
	 SMALL INVESTOR:
  

If an individual:

	
	 /s/ Christopher G. Korge

	Name:	 	Christopher G. Korge
	
	If an entity:
		
	Name:	 	  

 
			
		
	            By:	 	  

	             Name:

            Title:

  
 [Signature Page to
Registration Rights Agreement] 

 
			
	 SMALL INVESTOR:
  

If an individual:

	
	 /s/ Joel S. Lawson IV

	Name:	 	Joel S. Lawson IV
	
	 /s/ Kate Lawson

	Kate Lawson
	
	If an entity:
		
	Name:	 	  

 
			
		
	            By:	 	  

	             Name:

            Title:

  
 [Signature Page to
Registration Rights Agreement] 

 
			
	 SMALL INVESTOR:
  

If an individual:

	
	  

	Name:	 	
	
	If an entity:
		
	Name:	 	The Second Restatement of the Aida T. Levitan Trust

 
			
		
	            By:	 	 /s/ Aida T. Levitan

	             Name: Aida T. Levitan

            Title: Trustee

  
 [Signature Page to
Registration Rights Agreement] 

 
			
	 SMALL INVESTOR:
  

If an individual:

	
	  

	Name:	 	
	
	If an entity:
	
	TFO FINANCIAL INSTITUTIONS RESTRUCTURING FUND III LLC by TFO FINANCIAL INSTITUTIONS RESTRUCTURING FUND III SPC AS MANAGING MEMBER
		
	            By:	 	 /s/ Adel Al Mangour

	             Name: ADEL AL MANGOUR

            Title: DIRECTOR OF MANAGING MEMBER

  
 [Signature Page to
Registration Rights Agreement]EX-4.3

 Exhibit 4.3 

ASSIGNMENT AND ASSUMPTION AGREEMENT 

This Assignment and Assumption of Agreement (this “Agreement”) is made and entered into as of December 30, 2021 (the
“Effective Date”), by and between U.S. Century Bank, a Florida banking corporation (“Assignor”), and USCB Financial Holdings, Inc., a Florida corporation (“Assignee”). 

BACKGROUND 
 WHEREAS,
Assignor is a party to that certain Registration Rights Agreement (the “Registration Rights Agreement”), dated February 19, 2015, by and among Assignor and the investors party thereto (the “Investors”), pursuant to which the
Investors are granted certain registration rights as more specifically set forth in the Registration Rights Agreement; 
 WHEREAS, as of the
Effective Date, Assignor and Assignee have entered into an Agreement and Plan of Share Exchange (the “Share Exchange Agreement”), pursuant to which each outstanding share of Assignor’s Class A voting common stock, $1.00 par value
per share, and Class B non-voting common stock, $1.00 par value per share, will be converted into one share of Assignee’s Class A voting common stock, $1.00 par value per share, and Class B
non-voting common stock, $1.00 par value per share, respectively, with the result that Assignor will become a wholly-owned subsidiary of Assignee (the “Reorganization”); 

WHEREAS, Section 13 of the Registration Rights Agreement describes the obligations of Assignor in respect of entering into any merger,
consolidation, or reorganization in which Assignor shall not be the surviving corporation, which obligations are that the proposed surviving corporation shall agree in writing to assume the obligations of Assignor under the Registration Rights
Agreement prior to any such merger, consolidation, or reorganization; and 
 WHEREAS, in connection with the Reorganization, Assignor
desires to assign, and Assignee desires to assume, all of Assignor’s rights and obligations under the Registration Rights Agreement in accordance with Section 13 of the Registration Rights Agreement. 

AGREEMENT 
 NOW,
THEREFORE, the parties hereto, intending to be legally bound hereby, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, and in consideration of the mutual covenants herein, hereby agree as follows:

 1. Assignment and Assumption. As of the Effective Date, Assignor hereby transfers and assigns to Assignee all of its right, title
and interest in and to, and rights under, the Registration Rights Agreement and Assignee hereby agrees to assume all of Assignor’s obligations under the Registration Rights Agreement. Assignee hereby acknowledges that the term “Registrable
Shares” as used in the Registration Rights Agreement shall hereinafter be deemed to reference Assignee’s shares of Class A voting common stock, $1.00 par value per share, issued to the Investors in connection with the Reorganization.

 2. Scope of Assignment. Neither the making nor the acceptance of this assignment shall enlarge, restrict or otherwise modify the
terms of the Registration Rights Agreement. 

  
 1 

 3. Governing Law. This Agreement shall be governed by and construed in accordance
with the laws of the State of New York without giving effect to the principles of conflicts of law thereof. 
 [Remainder of Page
Intentionally Left Blank] 

  
 2 

 IN WITNESS WHEREOF, the undersigned have caused this Assignment and Assumption Agreement to
be duly executed on the date first above written. 
  

			
	Assignor:
	
	U.S. Century Bank
		
	By:	 	/s/ Luis de la Aguilera
	Name:	 	Luis de la Aguilera
	Title:	 	President/CEO
	
	Assignee:
	
	USCB Financial Holdings, Inc.
		
	By:	 	/s/ Luis de la Aguilera
	Name:	 	Luis de la Aguilera
	Title:	 	President/CEO

  
 [Signature Page to
Assignment and Assumption Agreement]

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