Exhibit 10.4(b)

FIDELITY FEDERAL BANK & TRUST

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 a Fidelity Federal
Bank & Trust, a federally chartered stock savings bank (the Bank), and Joseph C. Bova (the Executive). Any reference to Company herein shall mean Fidelity Bankshares, Inc., or any successor thereto.

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

WHEREAS, the Bank recognizes the substantial contribution the Executive has made to the Bank and wishes to protect his position therewith
for the period provided in this Agreement; 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 Bank, a position of substantial responsibility; 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 Change in Control 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 Bank (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.



---

(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.
| | --- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | (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.
| | --- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | (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.
| | --- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | (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.
| | --- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



---

(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 Bank. 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 Bank, 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 Bank 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, subject to applicable withholding taxes. The payment 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 Bank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;



---

(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;

(g) Notwithstanding the preceding paragraphs of this Section 3, in no event shall the aggregate payments or benefits to be made or afforded to the
Executive under said paragraphs (the Change in Control Benefits) constitute an excess parachute payment under Section 280G of the Code or any successor thereto, and in order to avoid such a result, the Change in Control
Benefits will be reduced, if necessary, to an amount (the Non-Triggering Amount), the value of which is one dollar ($1.00) less than an amount equal to three (3) times the Executives



---

base amount, as determined in accordance with said Section 280G. The allocation of the reduction
required hereby among Change in Control Benefits provided by the preceding paragraphs of this Section 3 shall be determined by the Executive.

4.
SOURCE OF PAYMENTS

(a) All payments provided in this Agreement shall be timely paid in cash or check from the general funds of the
Bank. Executive and the Bank, however, acknowledge that pursuant to that certain Change in Control Agreement between Executive and the Company dated as of the date of this Agreement (the Company Change in Control Agreement), the Company
has guaranteed payment and provision of all amounts and benefits due hereunder to Executive and, if such amounts and benefits due from the Bank are not timely paid or provided by the Bank, such amounts and benefits shall be paid or provided by the
Company.

(b) 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 Company 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.

(c) 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 this Agreement and Section 4 of the Company Change in Control Agreement.

5. 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 Bank 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.

6. 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 Bank and their respective successors and assigns.



---

7. 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.

8. REQUIRED PROVISIONS

(a) The Bank may terminate the Executives employment at any time. The Executive shall not have the right to receive compensation or other benefits
for any period after Termination for Cause as defined in Section 2(c) hereinabove.

(b) If Executive is suspended from office and/or
temporarily prohibited from participating in the conduct of the Banks affairs by a notice served under Section 8(e)(3) or 8(g)(1) of the Federal Deposit Insurance Act (12 USC §1818(e)(3) and §1818(g)(1)), the Banks
obligations under this contract shall be suspended as of the date of service unless stayed by appropriate proceedings. If the charges in the notice are dismissed, the Bank may in its discretion (i) pay Executive all or part of the compensation
withheld while its contract obligations were suspended and (ii) reinstate (in whole or in part) any of the obligations which were suspended.

(c) If Executive is removed and/or permanently prohibited from participating in the conduct of the Banks affairs by an order issued under Section 8(e)(4) or 8g(1) of the Federal Deposit Insurance Act (12 USC §1818(e)(4) and
§1818(g)(1)), all obligations of the Bank under this contract shall terminate as of the effective date of the order, but vested rights of the contracting parties shall not be affected.

(d) If the Bank is in default as defined in Section 3(x)(1) of the Federal Deposit Insurance Act (12 USC §1813(x)(1)), all obligations of the
Bank under this contract shall terminate as of the date of default, but this paragraph shall not affect any vested rights of the contracting parties.

(e) All obligations of the Bank under this contract shall be terminated, except to the extent determined that continuation of the contract is necessary for the continued operation of the Bank by the Director of the
Office of Thrift Supervision (OTS) or his designee at the time (i) the Federal Deposit Insurance Corporation (FDIC) enters into an agreement to provide assistance to or on behalf of the Bank under the authority contained
in Section 13(c) of the Federal Deposit Insurance Act (12 USC §1823(c)); or (ii) the Director of the OTS or his designee approves a supervisory merger to resolve problems related to the operation of the Bank or when the Bank is
determined by the Director of the OTS to be in an unsafe or unsound condition. Any rights of the parties that have already vested, however, shall not be affected by such action.



---

(f) Notwithstanding anything herein contained to the contrary, any payments to Executive by the Bank
pursuant to this Agreement 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.

9. 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.

10. 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.

11. 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 Bank 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.



---

12. 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 Bank if the Executive is successful on
the merits pursuant to a legal judgment, arbitration or settlement.

13. INDEMNIFICATION

The Bank 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 Bank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 Bank (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.

14. SUCCESSOR TO THE BANK

The Bank
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 Bank, expressly and unconditionally to assume and agree to perform the
Banks obligations under this Agreement, in the same manner and to the same extent that the Bank would be required to perform if no such succession or assignment had taken place.

15. SIGNATURES

IN WITNESS WHEREOF, the Bank 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 FEDERAL BANK & TRUST
|                   |  |                              
|/s/ Elizabeth Cook |  | By:                           |  | /s/ Vince A. Elhilow
|                   |  |                               |  | President           
|                   | 
|WITNESS:           |  | EXECUTIVE                    
|                   |  |                              
|/s/ Elizabeth Cook |  | By:                           |  | /s/ Joseph C. Bova  
|                   |  |                               |  | Joseph C. Bova