Exhibit 10.4

409A Amendment

to the

Surrey Bank & Trust

Executive Salary Continuation Agreement for

Mark H. Towe

Surrey
Bank & Trust (Bank) and Mark H. Towe (Executive) originally entered into the Surrey Bank & Trust Executive Salary Continuation Agreement (Agreement) on June 27, 2005. Pursuant to
Subparagraph XIII (C) of the Agreement, the Bank and the Executive hereby adopt this 409A Amendment, effective February 17, 2005.

RECITALS

This Amendment is intended to bring the Agreement into compliance with the requirements of Internal Revenue Code
Section 409A. Accordingly, the intent of the parties hereto is that the Agreement shall be operated and interpreted consistent with the requirements of Section 409A. Therefore, the following changes shall be made:



|1. | Subparagraph IV (A), Retirement Date, shall be deleted in its entirety and replaced with the following Subparagraph IV (A):
|-- | -----------------------------------------------------------------------------------------------------------------------------

Retirement Date:

If the Executive remains in the continuous employ of the Bank, the Executive shall retire from
active employment with the Bank on the Executives sixty-fifth (65th) birthday, or such later date as the Executive as may actually
retire.



|2. | Subparagraph IV (F), Change of Control, shall be deleted in its entirety and replaced with the following Subparagraph IV (F):
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Change in Control:

Change in
Control shall mean a change in ownership or control of the Bank as defined in Treasury Regulation §1.409A-3(i)(5) or any subsequently applicable Treasury Regulation.



|3. | Section V, Retirement Benefit and Post-Retirement Death Benefit, shall be modified to delete the second paragraph.
|-- | --------------------------------------------------------------------------------------------------------------------



|4. | Section VI, Death Benefit Prior to Retirement, shall be modified to delete the following language from the first sentence:
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(or such later date as may be agreed upon)



|5. | Section X, Termination of Employment, shall be modified to delete the second paragraph.
|-- | -----------------------------------------------------------------------------------------



|6. | Section XI, Change of Control, shall be deleted in its entirety and replaced with the following Section XI:
|-- | -------------------------------------------------------------------------------------------------------------

XI. CHANGE IN CONTROL

Upon a Change in
Control as defined in Subparagraph IV (F), the Executive shall receive the benefits in Section V herein in the same form and with the same timing as described in Section V, except that payments shall commence at Normal Retirement Age (Subparagraph
IV [B]).



|7. | The following provision regarding Separation from Service distributions shall be added as a new subparagraph (J) under Section XIII, as follows:
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Separation from Service:

Notwithstanding anything to the contrary in this Agreement, to the extent that any benefit under this Agreement is payable upon a
Termination of Employment, Termination of Service, or other event involving the Executives cessation of services, such payment(s) shall not be made unless such event constitutes a
Separation from Service as defined in Treasury Regulations Section 1.409A-1(h).



|8. | A new Subparagraph XIII (K) shall be added as follows:
|-- | ------------------------------------------------------

Restriction on Timing of Distribution:

Notwithstanding any provision of this Agreement to the contrary, distributions under
this Agreement may not commence earlier than six (6) months after the date of a Separation from Service (as described under the Separation from Service provision herein) if, pursuant to Internal Revenue Code Section 409A,
the participant hereto is considered a specified employee (under Internal Revenue Code Section 416(i)) of the Bank if any stock of the Bank is publicly traded on an established securities market or otherwise. In the event a
distribution is delayed pursuant to this Section, the originally scheduled distribution shall be delayed for six (6) months, and shall commence instead on the first day of the seventh month following Separation from Service. If payments are
scheduled to be made in installments, the first six (6) months of installment payments shall be delayed, aggregated, and paid instead on the first day of the seventh month, after which all installment payments shall be made on their regular
schedule. If payment is scheduled to be made in a lump sum, the lump sum payment shall be delayed for six (6) months and instead be made on the first day of the seventh month.



|9. | A new Subparagraph XIII (L) shall be added as follows:
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Certain Accelerated Payments:

The Bank may make any accelerated distribution permissible under Treasury Regulation
1.409A-3(j)(4) to the Executive of deferred amounts, provided that such distribution(s) meets the requirements of Section 1.409A-3(j)(4).



|10. | A new Subparagraph XIII (M) shall be added as follows:
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Subsequent Changes to Time and Form of Payment:

The Bank may permit a subsequent change to the time and form of benefit
distributions. Any such change shall be considered made only when it becomes irrevocable under the terms of the Agreement. Any change will be considered irrevocable not later than thirty (30) days following acceptance of the change by the Plan
Administrator, subject to the following rules:



| | (1) | the subsequent deferral election may not take effect until at least twelve (12) months after the date on which the election is made;
| | --- | ------------------------------------------------------------------------------------------------------------------------------------



| | (2) | the payment (except in the case of death, disability, or unforeseeable emergency) upon which the subsequent deferral election is made is deferred for a period of not less than five
(5) years from the date such payment would otherwise have been paid; and
| | --- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | (3) | in the case of a payment made at a specified time, the election must be made not less than twelve (12) months before the date the payment is scheduled to be paid.
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Therefore, the foregoing changes are agreed to.



|                         |  |  |  |                   
|------------------------ |  |  |  | ------------------
|/s/ Edward C. Ashby, III |  |  |  | /s/ Mark H. Towe  
|For the Bank             |  |  |  | Mark H. Towe      
|Date: May 20, 2008       |  |  |  | Date: May 20, 2008



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