0000950123-04-014523 Sample Contracts

FIDELITY BANKSHARES, INC. (a Delaware corporation) 1,000,000 Shares of Common Stock (Par Value $0.10 Per Share) PURCHASE AGREEMENT December [___], 2004
Purchase Agreement • December 7th, 2004 • Fidelity Bankshares Inc • Savings institution, federally chartered • New York

KEEFE, BRUYETTE & WOODS, INC. RYAN BECK & CO. JANNEY MONTGOMERY SCOTT LLC as Representatives of the several Underwriters c/o Keefe, Bruyette & Woods, Inc. 787 Seventh Avenue, 4th Floor New York, New York 10019

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