Exhibit 99 ESCROW AGREEMENT This ESCROW AGREEMENT ("Agreement"), made and entered into as of __________, 2002, by and among McKINNON & COMPANY, INC., a Virginia corporation (the "Underwriter"), CAROLINA BANK HOLDINGS, INC., a North Carolina...Escrow Agreement • October 29th, 2002 • Carolina Bank Holdings Inc • Savings institution, federally chartered • Virginia
