USCB Financial Holdings Inc. – Indentures Watch

from 8-K 4 pages Mutual Termination Agreement

from 8-K 116 pages USCB Financial Holdings, Inc. as Issuer, and Wilmington Trust, National Association as Trustee Indenture Dated as of August 14, 2025 7.625% Fixed-To-Floating Rate Subordinated Notes Due 2035

from S-3 49 pages USCB Financial Holdings, Inc. as Issuer, and [ ], as Trustee, Subordinated Indenture Dated as of [ , ] Subordinated Debt Securities

from S-3 50 pages USCB Financial Holdings, Inc. as Issuer, and [ ], as Trustee, Senior Indenture Dated as of [ , ] Senior Debt Securities

from 10-K 4 pages Description of USCB Financial Holdings, Inc.’s Securities as of December 31, 2021, USCB Financial Holdings, Inc. (The “Company”) Has One Class of Securities Registered Under Section 12 of the Securities Exchange Act of 1934, as Amended, Namely Its Class a Common Stock, $1.00 Par Value Per Share (“Class a Common Stock”). the Following Summary of the Class a Common Stock Is Based on and Qualified by the Company’s Articles of Incorporation (The “Articles of Incorporation”), the Company’s Amended and Restated Bylaws (The “Bylaws”) and the Side Letter Agreement (The “Side Letter Agreement”) by and Between the Company and the Large Investors (As Defined Herein). for a Complete Description of the Terms and Provisions of the Company’s Equity Securities, Including Its Common Stock, Refer to the Articles of Incorporation, the Bylaws and the Side Letter Agreement, All of Which Are Filed as Exhibits to This Annual Report on Form 10-K. General the Articles of Shares of Preferred Stock, $1.00 Par Value Per Share. Voting Rights the Class a Common Stock Has Voting Rights, and Class B Common Stock Does Not Have Voting Rights Class B

from 10-K 4 pages Description of USCB Financial Holdings, Inc.’s Securities as of December 31, 2021, USCB Financial Holdings, Inc. (The “Company”) Has One Class of Securities Registered Under Section 12 of the Securities Exchange Act of 1934, as Amended, Namely Its Class a Common Stock, $1.00 Par Value Per Share (“Class a Common Stock”). the Following Summary of the Class a Common Stock Is Based on and Qualified by the Company’s Articles of Incorporation (The “Articles of Incorporation”), the Company’s Amended and Restated Bylaws (The “Bylaws”) and the Side Letter Agreement (The “Side Letter Agreement”) by and Between the Company and the Large Investors (As Defined Herein). for a Complete Description of the Terms and Provisions of the Company’s Equity Securities, Including Its Common Stock, Refer to the Articles of Incorporation, the Bylaws and the Side Letter Agreement, All of Which Are Filed as Exhibits to This Annual Report on Form 10-K. General the Articles Value Per Share. Voting Rights the Class a Common Stock B

from 8-K12B 3 pages Assignment and Assumption Agreement

from 8-K12B 38 pages Registration Rights Agreement

from 8-K12B 17 pages Priam Capital Fund II, LP C/O Priam Capital Associates, LLC 445 Park Avenue, Suite 1401 New York, Ny 10022 Patriot Financial Partners II, L.P. Patriot Financial Partners Parallel II, L.P. C/O Patriot Financial Partners II, LP Four Radnor Corporate Center, Suite 210 100 Matsonford Road Radnor, Pa 19087 Re: Uscb Financial Holdings, Inc. Ladies and Gentlemen