First Reliance Bank

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eACCESS User ID	eACCESS PIN

agreement & disclosure

Please read and print, or save this Agreement and Disclosure on your PC.

This agreement states the terms and conditions that apply when you use First Reliance Bank eAccess Online Services. Also, this Agreement and Disclosure is made in compliance with federal law regulating electronic funds transfer (EFT) services. Electronic funds transfers are electronically initiated transfers of money involving a deposit account at First Reliance Bank. The following disclosures set forth your and our rights and responsibilities concerning the electronic funds transfers. These terms and conditions are in addition to those that apply to any account(s) you have with us or any other services you obtain from us. You must also follow all of our instructions and procedures applicable to the services covered by this agreement. "You" and "your" means each person who has an interest in an account or relationship which is accessible through the First Reliance Bank eAccess Online Services or who is authorized to use an Internet Banking identification number and password or other means of access we establish or approve. The words "we", "us" and "our" mean First Reliance Bank. The term "Internet banking" means the First Reliance Bank eAccess Internet Online Services that allows you to make payments on your First Reliance Bank loans, transfer funds between your First Reliance Bank accounts, access those accounts, obtain information and perform other transactions over the Internet by use of a personal computer, a modem (telephone or cable connection) and existing access to the Internet through a service provider.

First Reliance Bank eAccess
Identification Number (ID) and eAccess Personal Identification Number (PIN)

To access our online services you must use the eAccess identification number, personal identification number, and/or other means of access we establish or provide for you. The ID and PIN issued to you is for your security purposes to enable you to be identified when using the online banking system. The numbers are confidential and should not be disclosed to third parties. You are responsible for safekeeping your eAccess ID, eAccess PIN, and/or other password(s). You agree not to disclose or otherwise make your eAccess ID, eAccess PIN, and/or password(s) available to anyone not authorized to sign on your accounts. Anyone, to whom you give your eAccess ID, eAccess PIN, and/or password to, will have full access to your accounts even if you attempt to limit that person's authority.

Qualifying Internet Banking Accounts
You may not designate any account to be accessible to Internet Banking that requires more than one signature for withdrawals. You must be the owner of this account, and have full signing authority or access approval.

Internet Banking Transactions
You, or someone you have authorized by giving them your eAccess ID, eAccess PIN, and/or other means of access (even if that person exceeds your authority), can instruct us to perform the following transactions:

Make transfers between your qualifying accounts to the extent authorized;
Obtain information that we make available about your qualifying accounts; and
Obtain other services or perform other transactions that we authorize.

Limits on Internet Banking Transactions
You must have sufficient collected balances in any account from which you instruct us to make a payment or transfer or you must have available credit from your overdraft protection plan. If any of your qualifying accounts are money market savings accounts, certain types of withdrawals from these accounts, including payments and transfers, are limited by law to a total of no more than 6 in any monthly statement period. The kinds of withdrawals covered by this limitation are those made by means of preauthorized transfers and payments or telephone transfer requests. A total of only 3 of these kinds of withdrawals may be made by check, draft, debit card, or similar order payable to third parties. You also agree to the "Rules and Regulations Governing Retail, Commercial, Interest and Non Interest Bearing Accounts," "Facts about Funds Availability," and "Fee Schedule" that you received when you opened your account. You can request another copy of each when you sign this Internet Banking agreement by indicating with a note on the application.

Our Liability for Failure to Complete Payments or Transfers
If we do not complete a loan payment or transfer between your accounts on time or in the correct amount according to our agreement with you, our liability will be limited to your actual losses or damages. If any of the following conditions exist, we will not be liable:

If, through no fault of ours, you do not have enough money in your account from which a payment or transfer is to be made, or if the account has been closed.
If any payment or transfer would exceed the credit limit on your "Overdraft Protection" line of credit or if there is a delinquency on the Overdraft Protection Plan. You must apply separately for the Overdraft Protection Plan.
If your equipment or ours was not working properly and the breakdown should have been apparent to you when you attempted to conduct a transaction.
If you have not given us complete, correct, or current account numbers or other identifying information so that we can properly credit your account or otherwise complete the transaction.
If you do not follow our instructions or if you provide us with wrong or inaccurate information or fail to correct or tell us about any inaccuracy of which you are aware.
If you have other accounts with a negative balance or funds not collected.
If you do not instruct us in a timely manner, as stated in the section titled "Transactions From One Account to Another", for your loan payment to be received and credited by the time it is due.
If the money in the account from which payment or transfer is to be made is subject to legal process or other claim restricting such transaction.
If circumstances beyond our control prevent, delay, intercept or alter the transaction, despite reasonable precautions that we have taken.

Business Days:
Our Internet Banking Service is generally available 24 hours a day, 7 days a week. Our business days are Monday through Friday, excluding holidays.

Transactions from One Account to Another:
The "transfer date" is the date we will transfer funds from one account to another, provided it is a business day and we receive your transfer instruction not later than 6:00 p.m. eastern time on the date you designate as the transfer date. Transfer instructions received after 6:00 p.m. will not be processed until the next business day.

Statements:
Your Internet Banking transfers and loan payments will be indicated on the monthly or quarterly statements we mail, in addition to making them available to you.

Fees and Charges:
There currently are no fees for the use of First Reliance Bank eAccess Online Banking Services.

Change in Terms/Notices:
All notices from us will be effective when we have mailed or delivered them to your last known address on our records. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty-one (21) days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing your account and any future changes to those regulations.

Termination of your First Reliance Bank eAccess Online Banking Services:
You agree that we may terminate this Agreement and your use of eAccess Online Banking Services, if; we notify you or any other party to your account that we have canceled or will cancel this Agreement. We can cancel this Agreement at any time. You or any other party to your account can terminate this Agreement at any time by notifying us in writing at: First Reliance Bank, 2170 W. Palmetto Street, Florence, South Carolina, 29501; or calling us at (843) 662-8802. Termination of service will be effective the first business day following receipt of your request. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

Canceling Transfers:
If you have set up a transfer to take place at a future date between your accounts, you can cancel these transfers any time prior to the date you have scheduled the transfers by following the instructions on the eAccess Online Banking menu.

Other Provisions:
There may be a delay between the time a deposit is made and when it will be available for withdrawal. You should review our Funds Availability Policy to determine the availability of funds. We reserve the right to refuse any transaction, which should draw on insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on an account.

Your Liability for Unauthorized Transactions; Loss or Theft of your Internet Banking eAccess Identification Number or eAccess Personal Identification Number:
You are liable for all transactions initiated by you or anyone to whom you have given access, even if the person you authorize exceeds your authority. If you give someone your eAccess ID, eAccess PIN, and/or password(s) or any other means of access and want to terminate that person's authority you must change your eAccess ID and eAccess PIN and/or other means of access or take additional steps to prevent further access by such person. If you believe you eAccess ID or eAccess PIN has been lost, stolen, or that someone has or will use any of them without your authorization, call us immediately at 843/662-8802 during normal business hours. You may write to us at First Reliance Bank, 2170 W. Palmetto Street, Florence, SC 29501. Quickly telephoning is the best way of reducing your possible losses.

You can lose no more than $50 if you notify us within two business days of discovering any unauthorized use of the eAccess Online Banking Service. You could lose as much as $500 if you do not notify us within two business days of discovering the unauthorized use and we can prove that we could have prevented the unauthorized use had we been notified. If your statement shows an Internet Banking transfer or loan payment that you did not make, notify the Bank at once. The Bank must be notified within 60 days of the date of the statement in question. If you do not notify us within 60 days after the statement was mailed to you, you may not receive any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from notifying the Bank, the Bank will extend the time period.

In Case of Errors or Questions About Your Account:
Telephone or write us at the telephone number/address provided earlier in this disclosure or at any First Reliance Bank office as soon as you can, if you think your statement or receipt is wrong or if you need more information about an Internet Banking transfer or loan payment listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared.

Tell us your name and account number.
Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is in error or why you need more information. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.

We will tell you results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we do decide to do this, we will recredit your account within ten (10) business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit your account. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may be asked for copies of the documents that we used in our investigation. We hope that this information is helpful to you. If you have any questions, please do not hesitate to contact the First Reliance Bank office most convenient to you.

Who Can Obtain Information About Your Accounts?
We will disclose information to third parties about your account or the transfers you make:

Where it is necessary for completing transfers you have requested.
In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant.
In order to comply with government agency or court orders.
If you give us your written permission.

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You are accessing a private computer system intended for the use of First Reliance Bank prospective
and existing customers only. Unauthorized use is not permitted and violators will be prosecuted.
� 2002- First Reliance Bank.