EXHIBIT 10.2


 August 22, 2003
                            LETTER LOAN AGREEMENT
                            ---------------------

 Mr. Brad Jacoby
 Best Circuit Boards, Inc. dba Lone Star Circuits
 901 Hensley Drive
 Wylie, TX 75098

 Dear Mr. Jacoby:

 Compass Bank, a bank chartered under the laws of the State of Alabama
 ("Bank") is pleased to advise you that it has approved a new credit facility
 for Best Circuit Boards, Inc. dba Lone Star Circuits ("Borrower") subject to
 the terms and conditions described in this agreement as follows;

 1.   Amount of Credit: up to $2,000,000.00 revolving loan
      Borrower subject to terms of this agreement pursuant to promissory
      notes ("Note") of even date herewith executed by Borrower payable to
      the order of Bank secured by the Collateral as described in Section 5
      (and as described and defined in the Security Agreement).

 2.   "Borrowing Base" - Formula and Definition:
      Revolving credit advances shall be up to the sum of 80% of Eligible
      Accounts Receivable and 50% of Eligible Inventory.

      Eligible Accounts Receivable shall be defined so as to exclude accounts
      receivable which are not acceptable to Compass, in its sole discretion,
      for one of more of a variety of reasons including, without limitation,
      by reason that such accounts receivable are: (i) Reserve for Cross
      Aging, Contra, Cash, & Employees (ii) 90 days or greater from invoice
      date, (iii) Credit Balances in past due columns (iv) are due from an
      account debtor in which more than 10% of the total amount owed from
      such account debtor remains unpaid after 90 days from invoice date,
      (v) are foreign receivables not supported by letters of credit or
      receivable insurance acceptable to Compass, (vi) owed by affiliates,
      subsidiaries or other related entities, (vii) subject to offset, (viii)
      it is not an account owed by an account debtor whose aggregate account
      balance exceeds twenty-five (25%) of the total value of borrower's
      total accounts. The balance in excess of the aforementioned 25% will be
      deemed an ineligible receivable or (ix) otherwise unacceptable to
      Compass for one or more reasons to be detailed in the Loan Documents.
      Compass will review exceptions to the 25% threshold for inclusion in
      the borrowing base.

      Eligible Inventory shall be defined so as to exclude inventory that is
      not acceptable to Bank, in its sole discretion, for one or more reasons
      including, without limitation, by reason that such inventory is:
      (i) work-in-process, (ii) in transit, (iii) on consignment, (iv)
      packaging/supplies, (v) obsolete, (vi) slow-moving (defined as and
      item, type or class of inventory which turns less than once each 365
      days), (vii) defective, (viii) otherwise unacceptable to Bank for one
      or more reasons as detailed in the loan documents.

 3.   "Maturity Date":
      October 15, 2004

 4.   Payment Terms:
      Interest due and payable monthly as it accrues. Principal is due on or
      before the Maturity Date.

 5.   "Collateral",
      A first and prior security interest in all of Borrower's accounts and
      contract rights, including all accounts receivable (including insurance
      proceeds and tax refunds) and products thereof, whether now owned
      or hereafter acquired and all cash, notes, drafts, acceptances,
      instruments, chattel paper and other proceeds arising therefrom, and
      all returned and repossessed goods arising from or relating to any
      such accounts, and all products and proceeds thereof.

      A first and prior security interest in all of Borrower's inventory,
      held for resale or furnished or to be furnished under contracts for
      service or used or consumed in Borrower's trade or business and all
      additions and accessions thereto and all documents of title evidencing
      or representing any part thereof, and all products and proceeds
      thereof.

      A security interest in the Collateral shall be granted pursuant to one
      or more Security Agreements ("Security Agreement" whether one or more)
      of even date herewith between Borrower and Bank. The Security Agreement
      shall define and describe the Collateral.

 6.   Advances:
      Each advance requested shall be accompanied by signed request from a
      properly designated representative of borrower along with the various
      supporting documentation deemed necessary by Bank in its sole
      discretion.  No advances shall be made subsequent to the occurrence of
      an Event of Default unless such Event of Default is waived in writing
      by Bank.

 7.   "Loan Documents":

      (i)    The Letter Loan Agreement ("Agreement")
      (ii)   Note.
      (iii)  Financing statements on Form UCC-1 perfecting the security
             interest in the Collateral.
      (iv)   Security Agreement(s).
      (v)    Corporate Resolution of Borrower's Board of Directors and
             Incumbency Certificate setting forth, in a form and substance
             acceptable to bank, in its sole discretion, the resolutions
             authorizing the borrowing transaction described herein and
             designating the individuals and officers that may execute
             documents in the name of Borrower.
      (vi)   Corporate Resolution of Jacco Investment's, Inc. Board of
             Directors and Incumbency Certificate setting forth, in a form
             and substance acceptable to Bank, in its sole discretion, the
             resolutions authorizing Jacco Investments, Inc.'s transaction
             described herein and designating the individuals and officers
             that may execute documents in the name of Jacco Investments,
             Inc.
      (vii)  The guaranty of Jacco Investments, Inc. and Brad Jacoby
             evidencing that all of Borrower's indebtedness to Bank is
             unconditionally guarantee.
      (viii) Notice of Final Agreement form.
      (ix)   Such other documents as Bank may require to evidence, document
             and secure the transactions described herein.

 8.   Additional Covenants:

      Borrower agrees to a "clean up period" on the Note during which the
      Note has a zero balance for a period of 30 consecutive days at least
      once during each twelve month period after the date hereof.

      Borrower shall maintain a "debt to tangible net worth ratio" no greater
      than 1.50:1, tested quarterly.

      "Debt to tangible net worth ratio" is defined as total liabilities of
      Borrower less any shareholder loans if subordinated to the Bank divided
      by Borrower's tangible net worth.

      Borrower shall maintain a minimum "tangible net worth, of $3 million
      dollars.

      Borrower's "Tangible Net Worth" is defined as net worth plus
      shareholder loans if subordinated to the Bank less all intangible
      assets including receivables due from officers, affiliates,
      subsidiaries and related entities.

      Borrower shall maintain a "fixed charge coverage ratio" of at least
      1.20:1 tested quarterly calculated from four rolling quarter's
      financials.

      "Fixed Charge Coverage" is defined as operating earnings before
      interest, taxes, depreciation amortization and lease and rental
      payments (EBITDAR) plus professional fees paid to Jacco Investments,
      Inc. divided by debt service (principal and interest payments made)
      plus contractual lease payments plus professional fees paid to Jacco
      Investments, Inc.

      All financial and accounting terms and definitions used herein shall
      mean as calculated and defined in accordance with generally accepted
      accounting principles consistently applied.

      Borrower will maintain, with financially sound, reputable insurance
      companies, insurance of the kinds, (including liability insurance)
      covering the risks and in the relative proportionate amounts, usually
      carried by companies engaged in businesses similar to that of Borrower,
      naming Bank as loss payee, and shall deliver to Bank evidence of the
      maintenance of such insurance.

      Borrower will promptly pay all lawful claims, whether for labor,
      materials or otherwise, which might or could, if unpaid, become a
      lien or charge on any property or assets of Borrower, unless and to
      the extent only that the same are being contested in good faith by
      appropriate proceedings and reserves deemed adequate by Bank have been
      established therefor.

      Borrower will comply with all rules, regulations and laws of and by all
      government authorities including (without restrictions) all applicable
      environmental and worker safety laws.

 9.   "Events of Default":
      (a)    Failure to pay any of the principal or interest on the Note
             when due.
      (b)    Failure to observe or perform any of the covenants or agreements
             contained herein, in the Note, in any Security Agreement or in
             any of the other Loan Documents.
      (c)    Death of Guarantor.
      (d)    Default under any other Loan or Credit Agreement.
      (e)    A filing of bankruptcy, either voluntary or involuntary.
      (f)    The occurrence of any event of default (however denominated)
             under any Security Agreement or any other Loan Document.
      (g)    The determination by Bank, in the exercise of its reasonable
             judgment, that a material adverse change has occurred in the
             Borrower's financial condition.

 10.  Occurrence of Event of Default:
      Upon the occurrence of any Event of Default, Bank may, at its option,
      declare the unpaid principal of and accrued interest on the Note to be
      immediately due and payable without notice of any kind (including,
      without limitation, notice of intent to accelerate and notice of
      acceleration) whereupon the same shall forthwith become due and
      payable. Bank may thereupon enforce payment of the Note and pursue any
      rights and remedies provided in the Security Agreement or other Loan
      Documents or otherwise available at law.

11.   Conditions Precedent:

      Prior to the initial advance under the Note, Borrower is to provide
      Bank with the following, each to be in form and substance acceptable
      to Bank in its sole discretion:
      1.     Current evidence of corporate existence and good standing of
             Borrower and corporate Guarantor from the appropriate state
             official.
      2.     Evidence of a first and prior security interest in the
             Collateral in favor of Bank.
      3.     Execution and delivery of the Loan Documents.
      4.     Evidence of assignment or release from Inwood Bank as to their
             prior UCC filing.

 12.  So long as any indebtedness is outstanding under the Note, Borrower
      and Guarantor agree to:

      1.     Borrowers to furnish to Bank monthly, on or before 20 days after
             the end of the month, a balance sheet, a statement of profit
             and loss and back-log report for such month accompanied by a
             completed "Financial Covenant Compliance Report" in the form
             attached hereto as Exhibit A.

      2.     Borrower to furnish to Bank annually, on or before 90 days after
             the close of each fiscal year the annual financial statements
             (balance sheet and profit and loss statements) including all
             notes thereto for such fiscal year, accompanied by a completed
             "Financial Covenant Compliance Report" in the form attached
             hereto as Exhibit A.  These statements shall fairly present the
             financial condition of the Borrower and shall be prepared by an
             independent certified public accountant acceptable to Bank in
             its sole discretion.

      3.     Borrower and Guarantor to furnish to Bank copies of their annual
             tax returns within 15 days of filing.

      4.     Guarantor to furnish to Bank annually, on or before 15 days
             after the end of each fiscal year end (or the date of the last
             preceding financial statement submitted) a complete personal
             financial statement in a form acceptable to Bank.

      5.     From time to time, upon the request of Bank, execute and deliver
             to Bank any instrument, document, assignment or other writing
             which may be necessary or advisable in Bank's reasonable opinion
             to carry out the terms of this agreement or the other Loan
             Documents and to perfect Bank's security interest in the
             Collateral.

      6.     Furnish to the Bank monthly, a Borrowing Base Certificate in the
             form of Exhibit "A" attached hereto. With a schedule of accounts
             receivable listing and aging, and a raw material inventory form
             acceptable to Bank in its sole discretion.

 13.  Borrower agrees to the following additional covenants:

      (a)    Maintain compensating DDA balances of 15%.
      (b)    This agreement is subject to a satisfactory pre-funding audit
             performed by Compass Bank Structured Lending Group, and
             potential adjustments of the Borrowing Base as deemed
             necessary in Bank's discretion.  Advances against the line
             up to an amount of $500,000.00 will be allowed prior to
             completion and review of the pre-funding audit.

 Borrower agrees to pay and reimburse Bank for all reasonable costs and
 expenses, including reasonable attorney's fees, incurred by or on behalf
 of Bank in connection with the Loan Documents or the transaction described
 herein.

 This agreement shall be binding upon and inure to the benefit of the
 parties hereto and their respective successors and assigns, including each
 transferee, assignee, endorser or holder of the Note, but Borrower may not
 assign this agreement or any of the other Loan Documents without the express
 prior written consent of Bank.

 This agreement shall remain in force for all renewals, extensions and
 modifications of the Note, if any, unless the agreement is modified or
 replaced in writing.

 This agreement and the other loan documents shall be governed by and
 construed in accordance with the applicable laws of the State of Texas and
 the United States of America from time to time in effect. This agreement
 and the other Loan Documents are performable in Dallas County, Texas, which
 shall be a proper place of venue for suit on or in respect of this agreement
 or the other Loan Documents. Texas Revised Civil Statutes Annotated, Article
 5069-1.04, as amended, Chapter 15, which regulates certain revolving credit
 loan accounts and revolving tri-party accounts, shall not apply to this
 agreement, the Note or the other Loan Documents.

 Notwithstanding any provision to the contrary contained in this agreement,
 the Note or any of the other Loan Documents, it is expressly provided that
 in no case or event shall the aggregate of any amounts accrued or paid
 pursuant to this agreement, the Note or any of the other Loan Documents
 which under applicable laws are or may be deemed to constitute interest ever
 exceed the maximum nonusurious interest rate permitted by applicable Texas
 or federal laws, whichever permits the higher rate.  In this connection,
 Borrower and Bank stipulate and agree that it is their common and overriding
 intent to contract in strict compliance with applicable usury laws.  In
 furtherance thereof, none of the terms of this agreement, the Note or any of
 the other Loan Documents shall ever be construed to create a contract to
 pay, as consideration for the use, forbearance or detention of money,
 interest at a rate in excess of the maximum nonusurious interest rate
 permitted by applicable laws.  Borrower shall never be liable for interest
 in excess of the maximum nonusurious interest rate permitted by applicable
 laws.  If, for any reason whatever, such interest paid or received during
 the full term of this agreement, the Note or any of the other Loan Documents
 produces a rate that exceeds the maximum nonusurious interest rate permitted
 by applicable laws, Bank shall credit against the principal of such
 indebtedness (or, if such indebtedness shall have been paid in full, shall
 refund to the payor of such interest) such portion of said interest as shall
 be necessary to cause the interest paid to produce a rate equal to the
 maximum nonusurious interest rate permitted by applicable laws.

 All sums paid or agreed to be paid to Bank for the use, forbearance or
 detention of money shall, to the extent permitted by applicable law, be
 amortized, prorated, allocated and spread in equal parts throughout the full
 term of the applicable indebtedness, so that the interest rate is uniform
 throughout the full term of such indebtedness. The provisions of this
 paragraph shall control all agreements, whether now or hereafter existing
 and whether written or oral, between Borrower and Bank.

 The terms and conditions of this agreement (in its entirety) shall survive
 the closing of the Loan Documents and shall evidence the Agreement between
 Borrower and Bank.  In the event of conflict between the Agreement and any
 of the Note, Guaranty; or Security Agreement the Note, Guaranty or Security
 Agreement shall control.

 If the foregoing correctly sets forth our agreement, please so indicate by
 executing the enclosed copy of this letter and return it to the undersigned.


 Compass Bank

 /s/ David S. Phillips
 David S. Phillips
 Vice President


 (Signature page to follow)

<PAGE>

 Agreed to and accepted this 28 day of Aug, 2003.

 Best Circuits Boards, Inc. dba Lone Star Circuits

 By: /s/ Brad Jacoby
 Name : Brad Jacoby
 Title: President


 Guarantor:

 Jacco Investments, Inc.

 By: /s/ Brad Jacoby
 Name : Brad Jacoby
 Title: President


 Guarantor:

 Brad Jacoby

 /s/ Brad Jacoby
 Brad Jacoby

 Attachment:
 Exhibit A: Financial covenant Compliance/Borrowing Base Certificate Form