Please visit the Quarterly Financials and Supplemental Financials sections of the Investor Relations area of First Reliance BancShares’ website to access both historical and current financials and our earnings press releases. Please visit the SEC Filings section of the Investor Relations area of First Reliance BancShares’ website to access our SEC Filings.

First Reliance BancShares is headquartered at: 2170 West Palmetto Street, Florence, South Carolina.

First Reliance Bank

First Reliance BancShares’ stock trades on the over the counter market under the ticker symbol “FSRL”.

The CUSIP number is 33615Q100.

Our transfer agent is Broadridge Financial Solutions, Inc.
You may contact Broadridge Corporate Issuer Solutions, Inc., directly at (855) 449-0974 I see phone number as (877) 830-4936 or (720) 378-5591 or by email at shareholder@broadridge.com or visit the shareholder portal at https://shareholder.broadridge.com/bcis/ to set up an account online Please do not send personal information and financial information using an unsecured email. All necessary forms can be downloaded from Broadridge’s website www.shareholder.broadridge.com.

Regular Mail
Broadridge Financial Solutions, Inc
P.O. Box 1342
Brentwood, NY 11717
Phone: (844) 318-0127. (Do we need a phone number here with this mailing address)
Overnight mail (FED EX or USP) send to:
Broadridge Corporate Issuer Solutions, Inc.
ATTN: IWS
1155 Long Island Avenue
Edgewood, NY 11717

. The transfer agent maintains shareholder records and can answer specific questions about shareholder accounts and transactions including:

• How can I find out detailed account information?
• What if I cannot locate my stock certificates?
• How can I replace lost certificates?
• How do I find out how my stock is registered?
• How can I change how my stock is registered?
• Who should I contact with questions about my ownership account?
• How can I transfer my First Reliance BancShares stock?
• How can I change the address on my account?
• What can I do if my dividend check is lost or stale?

The Broadridge online shareholder portal has an FAQ section that will answer these and additional FAQ’s.

Usually, First Reliance BancShares announces its quarterly results about 3 to 4 weeks after the end of each quarter. (Quarters end: March 31, June 30, September 30, and December 31).

Elliott Davis, LLC (Greenville, SC) serves as the independent accountant.

Nelson Mullins Riley & Scarborough LLP serves as the outside legal counsel.

Contact Information
First Reliance Bancshares, Inc.
2170 West Palmetto Street
Florence, SC 29501
(843) 656-5000

Investor Relations Contact
Mr. Robert Haile
Chief Financial Officer, SEVP
(843) 674-3251
investorrelations@firstreliance.com

Transfer Agent
Broadridge Corporate Issuer Solutions
P.O. Box 1342
Brentwood, NY 11717
(844) 318 0127

*** Customers are charged our paid item Overdraft fee of $37 for each overdrawn item created by check, in-person withdrawals or other electronic means paid under the limit. An insufficient balance can result from several events, such as (1) the payment of checks, electronic funds transfers or other withdrawal requests; (2) payments authorized by the customer; (3) the return of unpaid items deposited by a customer; (4) bank service charges; or (5) the deposit of items which, according to the bank’s Funds Availability Policy, are treated as not yet available or finally paid.

*** Customers are charged our paid item Overdraft fee of $37 for each overdrawn item created by check, in-person withdrawals or other electronic means paid under the limit. An insufficient balance can result from several events, such as (1) the payment of checks, electronic funds transfers or other withdrawal requests; (2) payments authorized by the customer; (3) the return of unpaid items deposited by a customer; (4) bank service charges; or (5) the deposit of items which, according to the bank’s Funds Availability Policy, are treated as not yet available or finally paid.

Customers should make every attempt to bring their account to a positive end-of-day balance as soon as possible, and must do so within 30 calendar days. First Reliance Bank is not obligated to pay any item presented for payment if the customer’s account does not contain sufficient funds. First Reliance may refuse to pay an overdraft item at any time even though we may have previously paid overdrafts for the customer subject to approval.

We will charge you a fee of $37.00 each time we pay an overdraft.

Also, if your account is overdrawn for 5 or more consecutive business days, we will charge an additional $1.00 per day.

Bounce Protection is a discretionary overdraft service requiring no action on your part that provides you a safety net up to an assigned overdraft limit.

Your Bounce Protection limit may be available for checks and other transactions made using your checking account number. If you request us to do so (opt-in), we may authorize ATM transfers or withdrawals and everyday debit card purchases using your available balance and your Bounce Protection limit. For Non-Consumer (Business) accounts, the limit may be available for ATM and everyday debit card transactions with no action required.

Federal regulations require that financial institutions obtain your consent before authorizing and paying overdrafts for ATM and everyday debit card transactions on consumer accounts. Therefore, unless you opt-in, these transactions will not be covered by Bounce Protection.