| FUNDS ESCROW AGREEMENT

 
                    This      Agreement (this "Agreement") is dated as of the 29th day of      June, 2004 among Ventures-National Incorporated d/b/a Titan General      Holdings, Inc., a Utah corporation (the "**Company**"),      Laurus Master Fund, Ltd. (the "**Purchaser**"), and Loeb      & Loeb LLP (the "**Escrow Agent**"):

 
WITNESSETH:

                     WHEREAS,      the Company and the Purchaser have agreed to amend and restate that      certain convertible term note in the original principal amount of $750,000      of the Company issued to the Purchaser pursuant to a Securities Purchase      Agreement dated as of March 22, 2004 between the Company and the Purchaser      (the "**Purchase Agreement**") and in connection therewith,      the Company has agreed to issue addtional common stock purchase warrants      to the Purchaser as set forth on Schedule A hereto; and      
                     WHEREAS,      the Purchaser requires the Company to deliver the amended and restated      note against payment therefor, with such Note and payment to be delivered      to the Escrow Agent to be held in escrow and released by the Escrow Agent      in accordance with the terms and conditions of this Agreement; and      
                     WHEREAS,      the Escrow Agent is willing to serve as escrow agent pursuant to the terms      and conditions of this Agreement;      
 NOW THEREFORE, the parties agree as      follows:      
 
**INTERPRETATION**

           1.1          Definitions.      Whenever used in this Agreement, the following terms shall have the      meanings set forth below. Terms not otherwise defined herein shall have      the meaning set forth in the Purchase Agreement.      
                         (a)     "Agreement"      means this Agreement and all amendments made hereto and thereto by written      agreement between the parties.      
                          (b)     "Company      Documents" means the Amended and Restated Term Note, Amendment No. 1      to Term Note Registration Rights Agreement, Term Note Warrant, and the      Closing Payment.      
                          (c)     "Closing      Payment" means the fees to be paid to Laurus Capital Management, LLC      set forth on Schedule A hereto.      
-------------------------------------------------------------------------------------------------                         (d)     "Escrowed      Payment" means $1,500,000.      
                          (e)     "Purchaser      Documents" means the Escrowed Payment Amendment No. 1 to Term Note      Registration Rights Agreement and the Disbursement Letter.      
                          (f)     "Amended      and Restated Term Note" means the amended and restated convertible      term note of the Company issued to the Purchaser in the amount of      $2,250,000 in the form of Exhibit A annexed hereto.      
                          (g)     "Amendment      No. 1 to Term Note Registration Rights Agreement" means that certain      amendment to the registration rights agreement executed and delivered      pursuant to the Securities Purchase Agreement.      
                          (h)     "Term      Note Warrant" means the additional common stock purchase warrant of      the Company to purchase up to 1,800,000 shares of the Company's common      stock, issued to Purchaser in connection with the Amended and Restated      Term Note .      
           1.2          Entire      Agreement. This Agreement constitutes the entire agreement among the      parties hereto with respect to the matters contained herein and supersedes      all prior agreements, understandings, negotiations and discussions of the      parties, whether oral or written. There are no warranties, representations      and other agreements made by the parties in connection with the subject      matter hereof except as specifically set forth in this Agreement.      
           1.3          Extended      Meanings. In this Agreement words importing the singular number      include the plural and vice versa; words importing the masculine gender      include the feminine and neuter genders. The word "person"      includes an individual, body corporate, partnership, trustee or trust or      unincorporated association, executor, administrator or legal      representative.      
           1.4          Waivers      and Amendments. This Agreement may be amended, modified, superseded,      cancelled, renewed or extended, and the terms and conditions hereof may be      waived, in each case only by a written instrument signed by all parties      hereto, or, in the case of a waiver, by the party waiving compliance.      Except as expressly stated herein, no delay on the part of any party in      exercising any right, power or privilege hereunder shall operate as a      waiver thereof, nor shall any waiver on the part of any party of any      right, power or privilege hereunder preclude any other or future exercise      of any other right, power or privilege hereunder.      
-------------------------------------------------------------------------------------------------          1.5          Headings.      The division of this Agreement into articles, sections, subsections and      paragraphs and the insertion of headings are for convenience of reference      only and shall not affect the construction or interpretation of this      Agreement.      
           1.6          Law      Governing this Agreement; Consent to Jurisdiction. This Agreement      shall be governed by and construed in accordance with the laws of the      State of New York without regard to principles of conflicts of laws. With      respect to any suit, action or proceeding relating to this Agreement or to      the transactions contemplated hereby ("Proceedings"), each party      hereto irrevocably submits to the exclusive jurisdiction of the courts of      the County of New York, State of New York and the United States District      court located in the county of New York in the State of New York. Each      party hereto hereby irrevocably and unconditionally (a) waives trial by      jury in any Proceeding relating to this Agreement and for any related      counterclaim and (b) waives any objection which it may have at any time to      the laying of venue of any Proceeding brought in any such court, waives      any claim that such Proceedings have been brought in an inconvenient forum      and further waives the right to object, with respect to such Proceedings,      that such court does not have jurisdiction over such party. As between the      Company and the Purchaser, the prevailing party shall be entitled to      recover from the other party its reasonable attorneys' fees and costs.      In the event that any provision of this Agreement is determined by a court      of competent jurisdiction to be invalid or unenforceable, then the      remainder of this Agreement shall not be affected and shall remain in full      force and effect.      
           1.7          Construction.      Each party acknowledges that its legal counsel participated in the      preparation of this Agreement and, therefore, stipulates that the rule of      construction that ambiguities are to be resolved against the drafting      party shall not be applied in the interpretation of this Agreement to      favor any party against the other.      
 
**ARTICLE II**

 
**APPOINTMENT OF AND DELIVERIES TO THE ESCROW AGENT**

           2.1          Appointment.      The Company and the Purchaser hereby irrevocably designate and appoint the      Escrow Agent as their escrow agent for the purposes set forth herein, and      the Escrow Agent by its execution and delivery of this Agreement hereby      accepts such appointment under the terms and conditions set forth herein.      
           2.2          Copies      of Documents to Escrow Agent. On or about the date hereof, the      Purchaser shall deliver to the Escrow Agent copies of the Documents      executed by the Company to the extent it is a party thereto.      
           2.3          Delivery      of Escrowed Payment to Escrow Agent. On or about the date hereof, the      Purchaser shall deliver to the Escrow Agent the Escrowed Payment.      
--------------------------------------------------------------------------------------------------           2.4          Intention      to Create Escrow Over the Escrowed Payment. The Purchaser and the      Company intend that the Escrowed Payment shall be held in escrow by the      Escrow Agent and released from escrow by the Escrow Agent only in      accordance with the terms and conditions of this Agreement.      
 
**ARTICLE III**

 
**RELEASE OF ESCROW**

           3.1          Release      of Escrow. Subject to the provisions of Section 4.2, the Escrow Agent      shall release the Escrowed Payment from escrow as follows:      
                          (a)     Promptly      following receipt by the Escrow Agent of (i) copies of the fully executed      Documents and this Agreement, (ii) the Escrowed Payment in immediately      available funds, (iii) joint written instructions ("**Joint      Instructions**") executed by the Company and the Purchaser setting      forth the payment direction instructions with respect to the Escrowed      Payment and (iv) Escrow Agent's verbal instructions from David Grin      and/or Eugene Grin (each of whom is a director of the Purchaser)      indicating that all closing conditions relating to the Documents have been      satisfied and directing that the Escrowed Payment be disbursed by the      Escrow Agent in accordance with the Joint Instructions, then the Escrowed      Payment shall be deemed released from escrow and shall be promptly      disbursed in accordance with the Joint Instructions. The Joint      Instructions shall include, without limitation, Escrow Agent's      authorization to retain from the Escrowed Payment Escrow Agent's fee for      acting as Escrow Agent hereunder and the Closing Payment for delivery to      Laurus Capital Management, LLC in accordance with the Joint Instructions.      
                          (b)     Upon      receipt by the Escrow Agent of a final and non-appealable judgment, order,      decree or award of a court of competent jurisdiction (a "**Court      Order**") relating to the Escrowed Payment, the Escrow Agent shall      remit the Escrowed Payment in accordance with the Court Order. Any Court      Order shall be accompanied by an opinion of counsel for the party      presenting the Court Order to the Escrow Agent (which opinion shall be      satisfactory to the Escrow Agent) to the effect that the court issuing the      Court Order is a court of competent jurisdiction and that the Court Order      is final and non-appealable.      
           3.2          Acknowledgement      of Company and Purchaser; Disputes. The Company and the Purchaser      acknowledge that the only terms and conditions upon which the Escrowed      Payment are to be released from escrow are as set forth in Sections 3 and      4 of this Agreement. The Company and the Purchaser reaffirm their      agreement to abide by the terms and conditions of this Agreement with      respect to the release of the Escrowed Payment. Any dispute with respect      to the release of the Escrowed Payment shall be resolved pursuant to      Section 4.2 or by written agreement between the Company and Purchaser.      
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**ARTICLE IV**

 
**CONCERNING THE ESCROW AGENT**

           4.1          Duties      and Responsibilities of the Escrow Agent. The Escrow Agent's duties      and responsibilities shall be subject to the following terms and      conditions:      
                          (a)     The      Purchaser and the Company acknowledge and agree that the Escrow Agent (i)      shall not be required to inquire into whether the Purchaser, the Company      or any other party is entitled to receipt of any Document or all or any      portion of the Escrowed Payment; (ii) shall not be called upon to construe      or review any Document or any other document, instrument or agreement      entered into in connection therewith; (iii) shall be obligated only for      the performance of such duties as are specifically assumed by the Escrow      Agent pursuant to this Agreement; (iv) may rely on and shall be protected      in acting or refraining from acting upon any written notice, instruction,      instrument, statement, request or document furnished to it hereunder and      believed by the Escrow Agent in good faith to be genuine and to have been      signed or presented by the proper person or party, without being required      to determine the authenticity or correctness of any fact stated therein or      the propriety or validity or the service thereof; (v) may assume that any      person purporting to give notice or make any statement or execute any      document in connection with the provisions hereof has been duly authorized      to do so; (vi) shall not be responsible for the identity, authority or      rights of any person, firm or company executing or delivering or      purporting to execute or deliver this Agreement or any Document or any      funds deposited hereunder or any endorsement thereon or assignment      thereof; (vii) shall not be under any duty to give the property held by      Escrow Agent hereunder any greater degree of care than Escrow Agent gives      its own similar property; and (viii) may consult counsel satisfactory to      Escrow Agent (including, without limitation, Loeb & Loeb, LLP or such      other counsel of Escrow Agent's choosing), the opinion of such counsel      to be full and complete authorization and protection in respect of any      action taken, suffered or omitted by Escrow Agent hereunder in good faith      and in accordance with the opinion of such counsel.      
                          (b)     The      Purchaser and the Company acknowledge that the Escrow Agent is acting      solely as a stakeholder at their request and that the Escrow Agent shall      not be liable for any action taken by Escrow Agent in good faith and      believed by Escrow Agent to be authorized or within the rights or powers      conferred upon Escrow Agent by this Agreement. The Purchaser and the      Company hereby, jointly and severally, indemnify and hold harmless the      Escrow Agent and any of Escrow Agent's partners, employees, agents and      representatives from and against any and all actions taken or omitted to      be taken by Escrow Agent or any of them hereunder and any and all claims,      losses, liabilities, costs, damages and expenses suffered and/or incurred      by the Escrow Agent arising in any manner whatsoever out of the      transactions contemplated by this Agreement and/or any transaction related      in any way hereto, including the fees of outside counsel and other costs      and expenses of defending itself against any claims, losses, liabilities,      costs, damages and expenses arising in any manner whatsoever out the      transactions contemplated by this Agreement and/or any transaction related      in any way hereto, except for such claims, losses, liabilities, costs,      damages and expenses incurred by reason of the Escrow Agent's gross      negligence or willful misconduct. The Escrow Agent shall owe a duty only      to the Purchaser and Company under this Agreement and to no other person.      
-------------------------------------------------------------------------------------------------                         (c)     The      Purchaser and the Company shall jointly and severally reimburse the Escrow      Agent for its reasonable out-of-pocket expenses (including counsel fees      (which counsel may be Loeb & Loeb LLP or such other counsel of the      Escrow Agent's choosing) incurred in connection with the performance of      its duties and responsibilities hereunder, which shall not (subject to      Section 4.1(b)) exceed $1,500.      
                          (d)     The      Escrow Agent may at any time resign as Escrow Agent hereunder by giving      five (5) business days prior written notice of resignation to the      Purchaser and the Company. Prior to the effective date of resignation as      specified in such notice, the Purchaser and Company will issue to the      Escrow Agent a Joint Instruction authorizing delivery of the Documents and      the Escrowed Payment to a substitute Escrow Agent selected by the      Purchaser and the Company. If no successor Escrow Agent is named by the      Purchaser and the Company, the Escrow Agent may apply to a court of      competent jurisdiction in the State of New York for appointment of a      successor Escrow Agent, and deposit the Documents and the Escrowed Payment      with the clerk of any such court and/or otherwise commence an interpleader      or similar action for a determination of where to deposit the same.      
                          (e)     The      Escrow Agent does not have and will not have any interest in the Documents      and the Escrowed Payment, but is serving only as escrow agent, having only      possession thereof.      
                           (f)     The      Escrow Agent shall not be liable for any action taken or omitted by it in      good faith and reasonably believed by it to be authorized hereby or within      the rights or powers conferred upon it hereunder, nor for action taken or      omitted by it in good faith, and in accordance with advice of counsel      (which counsel may be Loeb & Loeb, LLP or such other counsel of the      Escrow Agent's choosing), and shall not be liable for any mistake of      fact or error of judgment or for any acts or omissions of any kind except      to the extent any such liability arose from its own willful misconduct or      gross negligence.      
                          (g)     This      Agreement sets forth exclusively the duties of the Escrow Agent with      respect to any and all matters pertinent thereto and no implied duties or      obligations shall be read into this Agreement.      
                          (h)     The      Escrow Agent shall be permitted to act as counsel for the Purchaser or the      Company, as the case may be, in any dispute as to the disposition of the      Documents and the Escrowed Payment, in any other dispute between the      Purchaser and the Company, whether or not the Escrow Agent is then holding      the Documents and/or the Escrowed Payment and continues to act as the      Escrow Agent hereunder.      
                          (i)     The      provisions of this Section 4.1 shall survive the resignation of the Escrow      Agent or the termination of this Agreement.      
-------------------------------------------------------------------------------------------------          4.2          Dispute      Resolution; Judgments. Resolution of disputes arising under this      Agreement shall be subject to the following terms and conditions:      
                          (a)     If      any dispute shall arise with respect to the delivery, ownership, right of      possession or disposition of the Documents and/or the Escrowed Payment, or      if the Escrow Agent shall in good faith be uncertain as to its duties or      rights hereunder, the Escrow Agent shall be authorized, without liability      to anyone, to (i) refrain from taking any action other than to continue to      hold the Documents and the Escrowed Payment pending receipt of a Joint      Instruction from the Purchaser and Company, (ii) commence an interpleader      or similar action, suit or proceeding for the resolution of any such      dispute; and/or (iii) deposit the Documents and the Escrowed Payment with      any court of competent jurisdiction in the State of New York, in which      event the Escrow Agent shall give written notice thereof to the Purchaser      and the Company and shall thereupon be relieved and discharged from all      further obligations pursuant to this Agreement. The Escrow Agent may, but      shall be under no duty to, institute or defend any legal proceedings which      relate to the Documents and the Escrowed Payment. The Escrow Agent shall      have the right to retain counsel if it becomes involved in any      disagreement, dispute or litigation on account of this Agreement or      otherwise determines that it is necessary to consult counsel which such      counsel may be Loeb & Loeb LLP or such other      counsel of the Escrow Agent's choosing.      
                          (b)     The      Escrow Agent is hereby expressly authorized to comply with and obey any      Court Order. In case the Escrow Agent obeys or complies with a Court      Order, the Escrow Agent shall not be liable to the Purchaser and Company      or to any other person, firm, company or entity by reason of such      compliance.      
 
**ARTICLE V**

 
**GENERAL MATTERS**

           5.1          Termination.      This escrow shall terminate upon disbursement of the Escrowed Payment in      accordance with the terms of this Agreement or earlier upon the agreement      in writing of the Purchaser and Company or resignation of the Escrow Agent      in accordance with the terms hereof.      
           5.2          Notices.      All notices, requests, demands and other communications required or      permitted hereunder shall be in writing and shall be deemed to have been      duly given one (1) day after being sent by telecopy (with copy delivered      by overnight courier, regular or certified mail):      
 If to the Company,      to:                                         Ventures-National      Incorporated                                                                                d/b/a      Titan General Holdings, Inc.                                                                                44358      Old Warm Springs Blvd.                                                                                Fremont,      CA 94538                                                                                Attn:      Chief Financial Officer Daniel Guimond                                                                                Fax:      978-388-5740      
--------------------------------------------------------------------------------------------------With a copy      to:                                                    Thomas      A. Rose                                                                                 Sichenzia      Ross Friedman Ference LLP                                                                                 1065      Avenue of the Americas                                                                                 New      York, New York 10018                                                                                 Phone      212-930-9700                                                                                 Fax      212-930-9725      
If to the Purchaser,      to:                                          LAURUS      MASTER FUND, LTD.                                                                                 c/o      Ironshore Corporate Services Ltd.                                                                                 P.O.      Box 1234 G.T., Queensgate House,                                                                                 South      Church Street                                                                                 Grand      Cayman, Cayman Islands                                                                                 Fax:      212-541-4434                                                                                 Attention:      John Tucker, Esq.

(c) If to the Escrow Agent,      to:                              Loeb      & Loeb LLP                                                                                 345      Park Avenue                                                                                 New      York, New York 10154                                                                                 Fax:      (212) 407-4990                                                                                 Attention:      Scott J. Giordano, Esq.      or to such other address as any of them shall give to the others by notice      made pursuant to this Section 5.2.          5.3          Interest.      The Escrowed Payment shall not be held in an interest bearing account nor      will interest be payable in connection therewith.      
           5.4          Assignment;      Binding Agreement. Neither this Agreement nor any right or obligation      hereunder shall be assignable by any party without the prior written      consent of the other parties hereto. This Agreement shall inure to the      benefit of and be binding upon the parties hereto and their respective      legal representatives, successors and assigns.      
           5.5          Invalidity.      In the event that any one or more of the provisions contained herein, or      the application thereof in any circumstance, is held invalid, illegal, or      unenforceable in any respect for any reason, the validity, legality and      enforceability of any such provision in every other respect and of the      remaining provisions contained herein shall not be in any way impaired      thereby, it being intended that all of the rights and privileges of the      parties hereto shall be enforceable to the fullest extent permitted by      law.      
-------------------------------------------------------------------------------------------------          5.6          Counterparts/Execution.      This Agreement may be executed in any number of counterparts and by      different signatories hereto on separate counterparts, each of which, when      so executed, shall be deemed an original, but all such counterparts shall      constitute but one and the same agreement. This Agreement may be executed      by facsimile transmission.      
 

 

 

 

 

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                         IN      WITNESS WHEREOF, the parties hereto have executed this Agreement as of the      date and year first above written                                                                  COMPANY:

                                                            VENTURES-NATIONAL      INCORPORATED                                                                  D/B/A      TITAN GENERAL HOLDINGS, INC.

                                                            By:    /s/      Daniel D.      Guimond                                                                           Name:      Daniel D. Guimond                                                            Title:      Chief Financial Officer                                                                  PURCHASER:

                                                            LAURUS      MASTER FUND, LTD.

                                                            By:         /s/ David      Grin                                                                                             Name:      David Grin                                                                   Title:      Partner/Fund Manager

                                                             ESCROW      AGENT:

                                                             LOEB      & LOEB LLP

                                                             By:    /s/      Fran Stoller                                                                                              Name:  Fran      Stoller                                                                    Title: Partner      --------------------------------------------------------------------------------------------------
**SCHEDULE A TO FUNDS ESCROW AGREEMENT**

 
PURCHASER

LAURUS MASTER FUND, LTD.,      c/o Ironshore Corporate Services Ltd., P.O. Box 1234 G.T., Queensgate      House, South Church Street, Grand Cayman, Cayman Islands

Fax: 345-949-9877

**TOTAL**

PRINCIPAL NOTE AMOUNT
      $2,250,000 Amended and Restated Term Note**$2,250,000**

 **FUND MANAGER**
LAURUS CAPITAL MANAGEMENT, L.L.C      825 Third Avenue, 14th Floor      New York, New York 10022      Fax: 212-541-4434

**TOTAL**

 **CLOSING PAYMENT**
Closing payment payable in connection with      investment by Laurus Master Fund, Ltd. for      which Laurus Capital Management, L.L.C. is the       Manager.

**$54,000**

 
WARRANTS

 **WARRANT RECIPIENT**
LAURUS MASTER FUND, LTD.      A Cayman Island corporation      c/o Ironshore Corporate Services Ltd.      P.O. Box 1234 G.T.      Queensgate House, South Church Street      Grand Cayman, Cayman Islands      Fax: 345-949-9877

**TOTAL**
**WARRANTS IN CONNECTION       WITH OFFERING**

1,800,000 Term Note Warrants issuable in      connection with investment by Laurus Master      Fund, Ltd.

**1,800,000** |
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