Exhibit 10.4(a)

FIDELITY BANKSHARES, INC.

CHANGE IN CONTROL AGREEMENT

FOR

JOSEPH C. BOVA

This CHANGE IN CONTROL AGREEMENT (Agreement) is made effective as of December 20, 2005 by and between Fidelity Bankshares, Inc., a
Delaware corporation (the Company) with its principal office at 205 Datura Street, West Palm Beach, Florida 33401, and Joseph C. Bova (the Executive).

WHEREAS, the Company and the Executive had previously entered into a Change in Control Agreement, effective as of January 1, 2004; and

WHEREAS, the Executive has been elected to, and has agreed to serve in the position of Executive Vice President and Lending Operations Manager for the
Fidelity Federal Bank and Trust (the Bank), the wholly-owned subsidiary of the Company, a position of substantial responsibility; and

WHEREAS, the Company recognizes the substantial contribution the Executive has made to the Bank and the Company and wishes to protect his position therewith for the period provided in this Agreement; and

WHEREAS, the Executive is deemed a Specified Employee for purposes of new Section 409A of the Internal Revenue Code (Code)
and the payments under this Agreement are deemed to be deferred compensation, such that the Agreement is required to be modified to conform to the requirements of Code Section 409A.

NOW, THEREFORE, in consideration of the contribution of the Executive, and upon the other terms and conditions hereinafter provided, the parties hereto
agree as follows:

1. TERM OF AGREEMENT

The term of this Agreement shall be deemed to have commenced as of the date first above written and shall continue for a period of thirty-six (36) full calendar months thereafter. Commencing on the first anniversary date of this
Agreement (Anniversary Date) and continuing at each Anniversary Date thereafter, the Board of Directors of the Company (the Board) may extend the Agreement for an additional year. The Board will conduct a performance
evaluation of the Executive for purposes of determining whether to extend the Agreement, and the results thereof shall be included in the minutes of the Boards meeting.

2. PAYMENTS TO EXECUTIVE UPON CHANGE IN CONTROL

(a) Upon the occurrence of a Change in Control of
the Bank or the Company (as herein defined) the provisions of Section 3 shall apply.



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(b) A Change in Control of the Bank or the Company shall mean (i) a change in ownership
of the Bank or the Company under paragraph (a) below, or (ii) a change in effective control of the Bank or the Company under paragraph (b) below, or (iii) a change in the ownership of a substantial portion of the assets of the
Bank or the Company under paragraph (c) below:



| | (a) | Change in the ownership of the Bank or the Company. A change in the ownership of the Bank or the Company shall occur on the date that any one person, or more than one person acting
as a group (as defined in Proposed Treasury Regulation Section 1.409A-3(g)(5)(v)(B)), acquires ownership of stock of the corporation that, together with stock held by such person or group, constitutes more than 50 percent of the total fair
market value or total voting power of the stock of such corporation.
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| | (b) | Change in the effective control of the Bank or the Company. A change in the effective control of the Bank or the Company shall occur on the date that either (i) any one person,
or more than one person acting as a group (as defined in Proposed Treasury Regulation Section 1.409A-3(g)(5)(v)(B)), acquires (or has acquired during the 12-month period ending on the date of the most recent acquisition by such person or
persons) ownership of stock of the corporation possessing 35 percent or more of the total voting power of the stock of such corporation; or (ii) a majority of members of the corporations Board of Directors is replaced during any 12-month
period by directors whose appointment or election is not endorsed by a majority of the members of the corporations Board of Directors prior to the date of the appointment or election, provided that this sub-section (ii) is inapplicable
where a majority shareholder of the Bank or the Company is another corporation.
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| | (c) | Change in the ownership of a substantial portion of the Bank or the Companys assets. A change in the ownership of a substantial portion of the Bank or the Companys
assets shall occur on the date that any one person, or more than one person acting as a group (as defined in Proposed Treasury Regulation Section 1.409A-3(g)(5)(v)(B)), acquires (or has acquired during the 12-month period ending on the date of
the most recent acquisition by such person or persons) assets from the corporation that have a total gross fair market value equal to or more than 40% of the total gross fair market value of (i) all of the assets of the Bank or the Company, or
(ii) the value of the assets being disposed of, either of which is determined without regard to any liabilities associated with such assets.
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| | (d) | For all purposes hereunder, the definition of Change in Control shall be construed to be consistent with the requirements of Proposed Treasury Regulation Section 1.409A-3(g),
except to the extent that such proposed regulations are superseded by subsequent guidance.
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(c) The Executive shall not have the right to receive benefits pursuant to Section 3 hereof in the
event of Termination for Cause prior to the Change in Control. The term Termination for Cause shall mean termination because of the Executives intentional failure to perform stated duties, personal dishonesty, incompetence, willful
misconduct, any breach of fiduciary duty involving personal profit, willful violation of any law, rule, regulation (other than traffic violations or similar offenses) or final cease and desist order, or any material breach of any material provision
of this Agreement. In determining incompetence, the acts or omissions shall be measured against standards generally prevailing in the savings institution industry. For purposes of this paragraph, no act or failure to act on the part of the Executive
shall be considered willful unless done, or omitted to be done, by the Executive not in good faith and without reasonable belief that the Executives action or omission was in the best interest of the Company. Notwithstanding the
foregoing, the Executive shall not be deemed to have been terminated for Cause unless and until there shall have been delivered to him a copy of a resolution duly adopted by the affirmative vote of not less than three-fourths of the members of the
Board at a meeting of the Board called and held for that purpose (after reasonable notice to the Executive and an opportunity for him, together with counsel, to be heard before the Board), finding that in the good faith opinion of the Board, the
Executive was guilty of conduct justifying Termination for Cause and specifying the particulars thereof in detail. The Executive shall not have the right to receive compensation or other benefits for any period after Termination for Cause. Any stock
options granted to Executive under any stock option plan of the Company or any subsidiary or affiliate thereof, shall become null and void effective upon Executives Termination for Cause and shall not be exercisable by Executive at any time
subsequent to such Termination for Cause.

3. CHANGE IN CONTROL BENEFITS

Upon the occurrence of a Change in Control, the Company shall be obligated to pay the Executive, or in the event of his subsequent death, his beneficiary
or beneficiaries, or his estate, as the case may be, the following:

(a) a payment equal to three times the sum of (i) the highest rate
of base salary, and (ii) highest rate of bonus awarded to the Executive during the prior three years by the Bank and/or the Company, subject to applicable withholding taxes. The payments shall be made in a lump sum on the effective date of the
Change in Control. Such payments shall not be reduced in the event Executive obtains other employment following the Change in Control;

(b)
for so long as Executive is employed by the Bank and/or Company, and continuing for a period of thirty-six (36) months following termination of employment, continued life insurance coverage for Executive and health care coverage (including
dental) for Executive and Executives dependents at the Companys own expense (at the end of which, Executive shall be entitled to elect the maximum continued health care coverage available in accordance with the COBRA provisions of
Section 4980B of the Code) and such coverage shall be substantially identical to the coverage maintained by the Bank or the Company for the Executive prior to the Change in Control;



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(c) any outstanding unvested stock options or shares of restricted stock of the Company that have been
awarded to Executive shall become fully vested as of the Change in Control;

(d) at the time of or within sixty (60) days (or within
such shorter period to the extent that information can be reasonably obtained) following the Change in Control, a lump sum payment in an amount equal to the present value of the Banks contributions that would be made on Executives behalf
under the Banks 401(k) Plan and employee stock ownership plan (and any other defined contribution plan maintained by the Bank) if he continued working for the Bank for a thirty-six (36) month period following the Change in Control,
earning the base salary that would be achieved during the remaining unexpired term of this Agreement (assuming, if a Change in Control has occurred, that the annual base salary increases at the rate of six percent (6%) per year on each
Anniversary Date over the remaining unexpired term of the Agreement) and making the maximum amount of employee contributions permitted, if any, under such plan or plans, where such present values are to be determined using a discount rate of six
percent (6%) per year;

(e) at the time of or within sixty (60) days (or within such shorter period to the extent that
information can reasonably be obtained) following the Change in Control, a lump sum payment in an amount equal to the excess, if any, of (A) the present value of the benefits to which he would be entitled under the Fidelity Federal Savings Bank
of Florida Supplemental Executive Retirement Plan (and any other deferred compensation plan for management or highly compensated employees that are maintained by the Bank) if he continued working for the Bank for the thirty-six (36) month
period following the Change in Control at the base salary and bonus that would be achieved during the remaining unexpired term of this Agreement (assuming, if a Change in Control has occurred, that annual base salary and bonus each increase at the
rate of six percent (6%) per year on each Anniversary Date for the remaining unexpired term of the Agreement) over (B) the present value of the benefits to which he is actually entitled under any such plan, as of the date of the Change in
Control, where the present values are to be determined using a discount rate of six percent (6%) and the mortality tables prescribed under Section 72 of the Code;

(f) Payments under Section 3(d) and Section 3(e) above shall be made irrespective of whether termination of employment has occurred.
Notwithstanding anything herein to the contrary, if termination of employment occurs simultaneously with the effective date of the Change in Control, and such termination is deemed a Separation from Service within the meaning of Code
Section 409A, then the payments required under this Section 3 shall be delayed until the first day of the seventh month following such Separation from Service, but only if required by Code Section 409A.

4. ADDITIONAL PAYMENTS RELATED TO A CHANGE IN CONTROL

(a) In each calendar year that Executive is entitled to receive payments or benefits under the provisions of this Agreement, a Change in Control Agreement between Executive and the Bank dated December 20, 2005 (Bank Change in Control
Agreement) and/or a Company or Bank sponsored employee benefit plan, the independent accountants of the Company shall



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determine if an excess parachute payment (as defined in Section 4999 of the Code) exists. Such determination shall
be made after taking any reductions permitted pursuant to Section 280G of the Code and the regulations thereunder. Any amount determined to be an excess parachute payment after taking into account such reductions shall be hereafter referred to
as the Initial Excess Parachute Payment. As soon as practicable in connection with a Change in Control, the Initial Excess Parachute Payment shall be determined. For purposes of this determination, Executive shall be deemed to pay
federal income taxes at the highest marginal rate of federal income tax (including, but not limited to, the Alternative Minimum Tax under Code Sections 55-59, if applicable) and state and local income tax, if applicable, at the highest marginal rate
of taxation in the state and locality of Executives residence on the date such payment is payable, net of the maximum reduction in the federal income taxes which could be obtained from any available deduction of such state and local taxes. Any
determination by the independent accountants shall be binding on the Company and Executive. Within five (5) days after such determination, the Company shall pay Executive, subject to applicable withholding requirements under applicable state or
federal law an amount equal to:

(i) twenty (20) percent of the Initial Excess Parachute Payment (or such other amount
equal to the tax imposed under Section 4999 of the Code), and

(ii) such additional amount (tax allowance) as may be
necessary to compensate Executive for the payment by Executive of state and federal income and excise taxes on the payment provided under Clause (i) and on any payments under this Clause (ii). In computing such tax allowance, the payment to be
made under Clause (i) shall be multiplied by the gross up percentage (GUP). The GUP shall be determined as follows:



|      |              |          |  | 
|----- | ------------ | -------- |  | 
|GUP = |              | Tax Rate |  | 
|      | 1 - Tax Rate |          | 

The Tax Rate for purposes of computing the GUP shall be the highest marginal federal and state income and
employment-related tax rate, including any applicable excise tax rate, applicable to Executive in the year in which the payment under Clause (i) is made.

(c) Notwithstanding the foregoing, if it shall subsequently be determined in a final judicial determination or a final administrative settlement to which Executive is a party that the excess parachute payment as
defined in Section 4999 of the Code, reduced as described above, is different from the Initial Excess Parachute Payment (such different amount being hereafter referred to as the Determinative Excess Parachute Payment) then the
Companys independent accountants shall determine the amount (the Adjustment Amount) Executive must pay to the Company or the Company must pay to Executive in order to put Executive (or the Company, as the case may be) in the same
position as Executive (or the Company, as the case may be) would have been if the Initial Excess Parachute Payment had been equal to the Determinative Excess Parachute Payment. In determining the Adjustment Amount, the independent accountants shall
take into account any and all taxes (including any penalties and interest) paid by or for Executive or refunded to Executive or for Executives benefit. As soon as practicable after the Adjustment Amount has been so determined, the Company
shall pay the Adjustment Amount to Executive or



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Executive shall repay the Adjustment Amount to the Company, as the case may be. The purpose of this paragraph is to
assure that (i) Executive is not reimbursed more for the golden parachute excise tax than is necessary to make him whole, and (ii) if it is subsequently determined that additional golden parachute excise tax is owed by him, additional
reimbursement payments will be made to him to make him whole for the additional excise tax.

(d) In each calendar year that Executive
receives payments or benefits under the Bank Change in Control Agreement and/or this Agreement and/or a Company or Bank sponsored employee benefit plan, Executive shall report on his state and federal income tax returns such information as is
consistent with the determination made by the independent accountants of the Company as described above. The Company shall indemnify and hold Executive harmless from any and all losses, costs and expenses (including without limitation, reasonable
attorneys fees, interest, fines and penalties) that Executive incurs as a result of so reporting such information. Executive shall promptly notify the Company in writing whenever Executive receives notice of the institution of a judicial or
administrative proceeding, formal or informal, in which the federal tax treatment under Section 4999 of the Code of any amount paid or payable under this Section is being reviewed or is in dispute. The Company shall assume control at its
expense over all legal and accounting matters pertaining to such federal tax treatment (except to the extent necessary or appropriate for Executive to resolve any such proceeding with respect to any matter unrelated to amounts paid or payable
pursuant to this contract). Executive shall cooperate fully with the Company in any such proceeding. Executive shall not enter into any compromise or settlement or otherwise prejudice any rights the Company may have in connection therewith without
prior consent of the Company.

5. SOURCE OF PAYMENTS

(a) All payments provided in this Agreement shall be timely paid in cash or check from the general funds of the Company.Notwithstanding any provision herein to the contrary, to the extent that payments and benefits, as provided in
this Agreement, are paid to or received by Executive under the Bank Change in Control Agreement, such compensation payments and benefits will be subtracted from any amounts due simultaneously to Executive under similar provisions of this Agreement.

(b) For financial statement purposes, Change in Control payments made pursuant to the provisions of Section 3 of each of the
Agreements shall be charged and paid in accordance with the terms of Section 3(g) of the Bank Change in Control Agreement and Section 4 of this Agreement.

6. EFFECT ON PRIOR AGREEMENTS AND EXISTING BENEFIT PLANS

This Agreement contains the entire
understanding between the parties hereto and supersedes any prior agreement between the Company and the Executive, except that this Agreement shall not affect or operate to reduce any benefit or compensation inuring to the Executive of a kind
elsewhere provided. No provision of this Agreement shall be interpreted to mean that the Executive is subject to receiving fewer benefits than those available to him without reference to this Agreement.



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7. NO ATTACHMENT

(a) Except as required by law, no right to receive payments under this Agreement shall be subject to anticipation, commutation, alienation, sale, assignment, encumbrance, charge, pledge, or hypothecation, or to
execution, attachment, levy, or similar process or assignment by operation of law, and any attempt, voluntary or involuntary, to affect any such action shall be null, void, and of no effect.

(b) This Agreement shall be binding upon, and inure to the benefit of, the Executive, the Company and their respective successors and assigns.

8. MODIFICATION AND WAIVER

(a) This
Agreement may not be modified or amended except by an instrument in writing signed by the parties hereto.

(b) No term or condition of this
Agreement shall be deemed to have been waived, nor shall there be any estoppel against the enforcement of any provision of this Agreement, except by written instrument of the party charged with such waiver or estoppel. No such written waiver shall
be deemed a continuing waiver unless specifically stated therein, and each such waiver shall operate only as to the specific term or condition waived and shall not constitute a waiver of such term or condition for the future or as to any act other
than that specifically waived.

9. REGULATORY PROVISIONS

Notwithstanding anything herein contained to the contrary, any payments to the Executive by the Company are subject to and conditioned upon their compliance with Section 18(k) of the Federal Deposit Insurance
Act, 12 U.S.C. Section 1828(k), and the regulations promulgated thereunder in 12 C.F.R. Part 359.

10. SEVERABILITY

If, for any reason, any provision of this Agreement, or any part of any provision, is held invalid, such invalidity shall not affect any other provision
of this Agreement or any part of such provision not held so invalid, and each such other provision and part thereof shall to the full extent consistent with law continue in full force and effect.

11. HEADINGS FOR REFERENCE ONLY

The headings of
sections and paragraphs herein are included solely for convenience of reference and shall not control the meaning or interpretation of any of the provisions of this Agreement.



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12. GOVERNING LAW

The validity, interpretation, performance, and enforcement of this Agreement shall be governed by the laws of the State of Florida, unless preempted by Federal law as now or hereafter in effect.

Except as otherwise expressly provided elsewhere in this Agreement, in the event that any dispute should arise between the parties as to the meaning,
effect, performance, enforcement, or other issue in connection with this Agreement, which dispute cannot be resolved by the parties, the dispute shall be decided by final and binding arbitration of a panel of three arbitrators. Proceedings in
arbitration and its conduct shall be governed by the rules of the American Arbitration Association (AAA) applicable to commercial arbitrations (the Rules) except as modified by this Section. The Executive shall appoint one
arbitrator, the Company shall appoint one arbitrator, and the third shall be appointed by the two arbitrators appointed by the parties. The third arbitrator shall be impartial and shall serve as chairman of the panel. The parties shall appoint their
arbitrators within thirty (30) days after the demand for arbitration is served, failing which the AAA promptly shall appoint a defaulting partys arbitrator, and the two arbitrators shall select the third arbitrator within fifteen
(15) days after their appointment, or if they cannot agree or fail to so appoint, then the AAA promptly shall appoint the third arbitrator. The arbitrators shall render their decision in writing within thirty (30) days after the close of
evidence or other termination of the proceedings by the panel, and the decision of a majority of the arbitrators shall be final and binding upon the parties, nonappealable, except in accordance with the Rules and enforceable in accordance with the
Florida Arbitration Code or any applicable successor legislation. Any hearings in the arbitration shall be held in Palm Beach County, Florida unless the parties shall agree upon a different venue, and shall be private and not open to the public.
Each party shall bear the fees and expenses of its arbitrator, counsel, and witnesses, and the fees and expenses of the third arbitrator shall be shared equally by the parties. The costs of the arbitration, including the fees of AAA, shall be borne
as directed in the decision of the panel.

13. PAYMENT OF LEGAL FEES

All reasonable legal fees paid or incurred by the Executive pursuant to any dispute or question of interpretation relating to this Agreement shall be paid or reimbursed by the Company if the Executive is successful on
the merits pursuant to a legal judgment, arbitration or settlement.

14. INDEMNIFICATION

The Company shall provide the Executive (including his heirs, executors and administrators) with coverage under a standard directors and
officers liability insurance policy at its expense, or in lieu thereof, shall indemnify the Executive (and his heirs, executors and administrators) to the fullest extent permitted under federal law and as provided in the Companys Charter
and Bylaws against all expenses and liabilities reasonably incurred by him in connection with or arising out of any action, suit or proceeding in which he may be involved by reason of his having been a director or officer of the Company (whether or
not he continues to be a director or officer at the time of incurring such expenses or liabilities), such expenses and liabilities to include, but not be limited to, judgments, court costs and attorneys fees and the cost of reasonable
settlements.



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15. SUCCESSOR TO THE COMPANY

The Company shall require any successor or assignee, whether direct or indirect, by purchase, merger, consolidation or otherwise, to all or substantially all the business or assets of the Company, expressly and
unconditionally to assume and agree to perform the Companys obligations under this Agreement, in the same manner and to the same extent that the Company would be required to perform if no such succession or assignment had taken place.

16. SIGNATURES

IN WITNESS WHEREOF,
the Company has caused this Agreement to be executed by its duly authorized officer, and the Executive has signed this Agreement, on the day and date first above written.



|                   |  |                           |  |                     
|------------------ |  | ------------------------- |  | --------------------
|ATTEST:            |  | FIDELITY BANKSHARES, INC.
|                   |  |                          
|/s/ Elizabeth Cook |  | By:                       |  | /s/ Vince A. Elhilow
|                   |  |                           |  | President           
|                   | 
|WITNESS:           |  | EXECUTIVE                
|                   |  |                          
|/s/ Elizabeth Cook |  | By:                       |  | /s/ Joseph C. Bova  
|                   |  |                           |  | Joseph C. Bova