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                                                                   EXHIBIT 10.15

                          PLEDGE AND SECURITY AGREEMENT


         This Pledge and Security Agreement ("Agreement") is made and entered
into as of the February 1, 2001, by and between MAII Holdings, Inc., a Texas
corporation ("Secured Party"), and Christie S. Tyler ("Debtor").

                                       I.
                       COLLATERAL AND SECURED INDEBTEDNESS

         1.1 Grant of Security Interest. Debtor hereby assigns and pledges to
Secured Party, and hereby grants to Secured Party a security interest in the
following (hereinafter collectively called the "Collateral"):

             (a) 680,000 shares (the "Shares") of the common stock, par value
$0.002 per share, owned by Debtor of Secured Party, as evidenced by a
certificate delivered to Secured Party simultaneously with the execution of this
Agreement; and all distributions, fees, dividends, preferences, payments and
other benefits which Debtor is now and may hereafter be entitled to receive with
respect to such shares; and all proceeds (cash and non-cash) arising out of the
sale, exchange, collection or other disposition of all or any portion of the
Shares. In the event that Debtor receives any additional shares of capital stock
of Secured Party by way of a stock split or stock dividend, the Debtor shall
promptly deliver to the Secured Party certificates evidencing such shares along
with appropriate stock powers duly endorsed in blank.

         1.2 Secured Obligations. This Agreement and the security interest
herein created shall secure full and punctual payment and performance of the
following indebtedness, duties and obligations (hereinafter collectively called
the "Secured Obligations"):

             (a) All principal, interest, fees and other amounts payable to the
Secured Party pursuant to the terms and provisions of that certain Promissory
Note of even date herewith issued by Debtor to Secured Party in the original
principal amount of $2,709,040 (the "Note"), including all extensions, renewals,
modifications, increases or substitutions thereof; and

             (b) All interest, charges, expenses, attorney's and other legal
fees and any other sums incurred by Secured Party in connection with the
enforcement of Secured Party's rights and remedies hereunder.

                                      II.
                         REPRESENTATIONS AND WARRANTIES;
                               FURTHER ASSURANCES

         2.1 Representations and Warranties. Debtor hereby represents and
warrants to Secured Party as follows:

             (a) Debtor has good and marketable title to the Collateral free and
clear of any lien, security interest, shareholders agreement, calls, charge or
encumbrance, except for the security interest created by this Agreement in favor
of the Secured Party and encumbrances contained in that Stock Purchase
Agreement, of even date herewith, entered into by and between


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Debtor and Secured Party (the "Stock Purchase Agreement"). No financing
statement or other instrument similar in effect covering all or any part of the
Collateral is on file in any recording office, except as may have been filed in
favor of Secured Party relating to this Agreement.

             (b) Debtor has the lawful right, power and authority to grant a
security interest in the Collateral. This Agreement, together with all filings
and other actions necessary or desirable to perfect and protect such security
interest, which have been duly taken, create a valid and perfected first
priority security interest in the Collateral securing the payment and
performance of the Secured Obligations.

                                     III.
                          PARTIAL RELEASE OF COLLATERAL

         Upon the delivery to the Secured Party by Debtor of a written notice
requesting that a specified number of shares representing the Collateral be
released from this Agreement, and either (i) Debtor delivers to Secured Party
cash in the amount of $4.03 multiplied by the number of Shares to be released;
or (ii) Debtor provides assurances acceptable to the Secured Party that the
Shares that are to be released will be sold through a broker acceptable to the
Secured Party, and such broker unconditionally and irrevocably undertakes to
deliver to the Secured Party a portion of the proceeds from such sale equal to
the amount set forth in (i), the Secured Party shall release from the security
interest granted herein the number of Shares specified in the notice. The amount
set forth in subpart (i) of the preceding sentence will be applied to the
outstanding principal and interest balance of the Note as provided therein. Such
release of any shares from the security interest created in this Agreement shall
not affect Secured Party's security interest in any other Collateral.

                                     IV.
                              DEFAULT AND REMEDIES

         4.1 Events of Default. An Event of Default (herein so called) shall
exist upon the failure of Debtor to make when due any scheduled payment under
the Note or any other Secured Obligations.

         4.2 Remedies of Secured Party. Upon the occurrence of an Event of
Default:

             (a) Secured Party may, without notice or demand, accelerate the
maturity of the Note and declare the entire unpaid principal balance and accrued
interest at once due and payable.

             (b) Secured Party may, at Secured Party's option and at the expense
of Debtor, either in Secured Party's own right or in the name of Debtor and in
the same manner and to the same extent that Debtor might reasonably so act if
this Agreement had not been made,

                 (i) do all things requisite, convenient, or necessary to
             enforce the performance and observance of all rights, remedies and
             privileges of Debtor arising from the Collateral, or any part
             thereof, including, but not limited to, compromising, waiving,
             excusing, or in any manner releasing or discharging any obligation
             of any party to or arising from the Collateral;



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                 (ii) sue or otherwise collect and receive money attributable to
             the Collateral; and

                 (iii) exercise any other lawfully available powers or remedies,
             and do all other things which Secured Party deems requisite,
             convenient or necessary or which the Secured Party deems proper to
             protect the security interest herein granted.

             (c) Secured Party may foreclose this Agreement in the manner now or
hereafter provided or permitted by law and shall have the immediate right to
receivership pending foreclosure, and may upon such reasonable notification
prior thereto as may be required by applicable law (Debtor hereby agreeing that
10 days notice is commercially reasonable), sell, assign, transfer or otherwise
dispose of the Collateral at public or private sale, in whole or in part, and
Secured Party may, in its own name or as the irrevocably appointed
attorney-in-fact of Debtor effectively assign and transfer the Collateral, or
any part thereof, absolutely, and execute and deliver all necessary assignments,
conveyances, bills of sale and other instruments with power to substitute one or
more persons or corporations with like power. Any such foreclosure sale,
assignment, or transfer shall, to the extent permitted by law, be a perpetual
bar, both at law and in equity, against Debtor and all persons and corporations
lawfully claiming by or through or under Debtor.

             (d) Any such foreclosure sale may be adjourned from time to time
provided that at least ten days notice of the continuation of such sale is given
to Debtor. Upon any sale, Secured Party may bid for and purchase the Collateral,
or any part thereof, and upon compliance with the terms of sale may hold,
retain, possess and dispose of the Collateral, in its absolute right without
further accountability. Secured Party shall have the right to be credited on the
amount of its bid a corresponding amount of the Secured Obligations as of the
date of such sale.

         4.3 Application of Proceeds.  Except as otherwise required by
applicable law, Secured Party may apply the proceeds of any foreclosure sale
hereunder as follows:

             (a) first, to the payment of all costs and expenses of any
foreclosure and collection hereunder and all proceedings in connection
therewith, including reasonable attorneys' fees;

             (b) then, to the reimbursement of Secured Party for all
disbursements made by Secured Party for taxes, assessments or liens superior to
the security interest hereof and which Secured Party shall deem expedient to pay
in order to protect its interest in the Collateral;

             (c) then, to the reimbursement of Secured Party of any other
disbursements made by Secured Party in accordance with the terms hereof;

             (d) then, to or among the amounts of fees, interest and principal
then outstanding and unpaid in respect of the Secured Obligations, in such
priority as Secured Party may determine in its discretion; and

             (e) the remainder of such proceeds, if any, shall be paid to the
record owner of the Collateral.



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         4.4 Enforcement of Secured Obligation. Nothing in this Agreement or in
any other agreement shall affect or impair the unconditional and absolute right
of the Secured Party to enforce the Secured Obligations as and when the same
shall become due in accordance with the terms of the Note or other documents
evidencing the Secured Obligations.

                                       V.
                             RIGHTS OF SECURED PARTY

         5.1 Subrogation. Upon the occurrence of an Event of Default, Secured
Party, at its election, may subrogate to all of the interest, rights and
remedies of Debtor, in respect to any of the Collateral or agreements pertaining
thereto.

         5.2 Secured Party Appointed Attorney-in-Fact. Debtor hereby irrevocably
appoints Secured Party as attorney-in-fact of Debtor, with full authority in the
place and stead of Debtor and in the name of Debtor, Secured Party or otherwise,
from time to time on Secured Party's discretion and upon the occurrence of an
Event of Default, to take any action and to execute any instrument which Secured
Party may deem necessary or advisable to accomplish the purposes of this
Agreement, including without limitation: (a) to ask, demand, collect, sue for,
recover, compound, receive and give acquittance and receipts for moneys due and
to become due under or in respect of any of the Collateral; and (b) to assign
and transfer the Collateral, or any part thereof, absolutely and to execute and
deliver endorsements, assignments, conveyances, bills of sale and other
instruments with power to substitute one or more persons or corporation with
like power.

         5.3 Performance by Secured Party. If Debtor fails to perform any
agreement contained herein, Secured Party may itself perform, or cause the
performance of, such agreement, and the reasonable expenses of Secured Party
incurred in connection therewith shall be payable by Debtor under Section 5.8.
In no event, however, shall Secured Party have any obligation or duties
whatsoever to perform any covenant or agreement of Debtor contained herein, and
any such performance by Secured party shall be wholly discretionary with Secured
Party.

         5.4 Duties of Secured Party. The powers conferred upon Secured Party
hereunder are solely to protect its interest in the Collateral and shall not
impose any duty upon it to exercise any such powers. Except for the safe custody
of any Collateral in its possession and the accounting for money actually
received by it hereunder, Secured Party shall have no duty as to any Collateral
or as to the taking of any necessary steps to preserve rights against prior
parties or any other rights pertaining to any Collateral.

         5.5 No Liability of Secured Party. Neither the acceptance of this
Agreement by Secured Party, nor the exercise of any rights hereunder by Secured
Party, shall be construed in any way as an assumption by Secured Party of any
obligations, responsibilities or duties of Debtor arising in connection with the
Collateral assigned hereunder or otherwise bind Secured Party to the performance
of any obligations respecting the Collateral, it being expressly understood that
Secured Party shall not be obligated to perform, observe or discharge any
obligation, responsibility, duty, or liability of Debtor in respect of any of
the Collateral,




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including, but not limited to, appearing in or defending any action, expending
any money or incurring any expense in connection therewith.

         5.6 Right of Secured Party to Defend Action Affecting Security. Secured
Party may, at the expense of Debtor, appear in and defend any action or
proceeding at law or in equity purporting to affect Secured Party's security
interest under this Agreement.

         5.7 Right of Secured Party to Prevent or Remedy Default. If Debtor
shall fail to perform any of the covenants, conditions and agreements required
to be performed and observed by Debtor in respect of the Collateral, Secured
Party (a) may but shall not be obligated to take any action Secured Party deems
necessary or desirable to prevent or remedy any such default by Debtor or
otherwise to protect the security interest of Secured Party under this
Agreement, and (b) shall have the absolute and immediate right to take
possession of the Collateral or any part thereof (to the extent Secured Party
has not previously taken possession) to such extent and as often as the Secured
Party, in its sole discretion, deems necessary or desirable in order to prevent
or to cure any such default by Debtor, or otherwise to protect the security of
this Agreement. Secured Party may advance or expend such sums of money for the
account of Debtor as Secured Party in its sole discretion deems necessary for
any such purpose.

         5.8 Secured Party's Expenses. All reasonable advances, costs, expenses,
charges and attorneys' fees which Secured Party may make, pay or incur under any
provision of this Agreement for the protection of its security or for the
enforcement of any of its rights hereunder, or in foreclosure proceedings
commenced and subsequently abandoned, or in any dispute or litigation in which
Secured Party or the holder of any of the Secured Obligations may become
involved by reason of or arising out of the Note or other Secured Obligations or
the Collateral shall be a part of the Secured Obligations and shall bear
interest until paid at the rate chargeable on the Note but not to exceed the
maximum rate of interest permitted by applicable law, from the date of such
payment until repaid by Debtor.

         5.9 No Waiver. In case Secured Party shall have proceeded to enforce
any right or remedy hereunder and such proceedings shall have been discontinued
or abandoned for any reason, then in every such case, Debtor and Secured Party
shall be restored to their former positions and rights hereunder with respect to
the Collateral, and all rights, remedies and powers of Secured Party shall
continue as if no such proceeding had been taken. No failure or delay on the
part of Secured Party in exercising any right, remedy or power under this
Agreement or in giving or insisting upon strict performance by Debtor hereunder
or in giving notice hereunder shall operate as a waiver of the same or any other
power or right, and no single or partial exercise of any such power or right
shall preclude any other or further exercise thereof or the exercise of any
other such power or right. Secured Party, notwithstanding any such failure,
shall have the right thereafter to insist upon the strict performance by Debtor
of any and all of the terms and provisions of this Agreement to be performed by
the Debtor. The collection and application of proceeds, the entering and taking
possession of the Collateral, and the exercise of the rights of Secured Party
contained in this Agreement, shall not cure or waive any default, or affect any
notice of default, or invalidate any acts done pursuant to such notice. No
waiver by Secured Party of any breach or default of or by any party hereunder
shall be deemed to alter or affect Secured Party's rights hereunder with respect
to any prior or subsequent default.



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         5.10 Remedies. No right or remedy herein reserved to Secured Party is
intended to be exclusive of any other right or remedy, but each and every such
remedy shall be cumulative, not in lieu of, but in addition to any other rights
or remedies given under this Agreement and all other security documents. Any and
all of Secured Party's rights and remedies may be exercised from time to time
and as often as such exercise as deemed necessary or desirable by Secured Party.

         5.11 Right of Secured Party to Extend Time of Payment, Substitute,
Release Security, Etc. Without affecting the liability of any person, including
Debtor, for the payment of any of the Secured Obligations or the lien of this
Agreement on the Collateral, or the remainder thereof, for the full amount of
any indebtedness unpaid, Secured Party may from time to time, without notice or
without affecting or impairing any of Secured Party's rights under this
Agreement: (a) release any person liable for the payment of any of such
indebtedness, (b) extend the time or otherwise alter the terms of payment of any
of such indebtedness, (c) accept additional security therefor of any kind,
including deeds of trust or mortgages, (d) alter, substitute or release any
property securing the Secured Obligations, (e) resort for the payment of all or
any portion of the Secured Obligations to its several securities therefor in
such order and manner as it may deem fit, or (f) join in any subordination or
other agreement affecting this Agreement or the lien or charge thereof.

         5.12 Dividends. Upon the occurrence of an Event of Default, Secured
Party shall be entitled to any dividends, fees, receipts, payments or other
disbursements, attributable in any way to the Collateral. Debtor shall take all
actions necessary to cause the payor of such disbursements to make such
disbursements directly to Secured Party on account of Debtor. Such amounts, when
received by Debtor, will be applied to the outstanding balance of the Note or
the other Secured Obligations, as determined by Secured Party. At all times
during the term of this Agreement, Secured Party will be entitled to all stock
dividends and proceeds of the Collateral.

         5.13 Delivery of Certificates. Simultaneously with the execution of
this Agreement, Debtor shall deliver to Secured Party all certificates or other
documentation evidencing the Collateral, along with such endorsements or stock
powers as the Secured Party may request. In the event that Debtor receives any
certificates evidencing the Collateral, Debtor shall within three days of
receipt, deliver such certificates to Secured Party along with appropriate stock
powers executed in blank.

                                      VI.
                                  MISCELLANEOUS

         6.1 Terms Commercially Reasonable. The terms of this Agreement shall be
deemed commercially reasonable within the meaning of the Uniform Commercial Code
in effect and applicable hereto.

         6.2 Notices. Any notices or demands required or permitted to be given
hereunder shall be deemed sufficiently given if in writing and personally
delivered or mailed by registered or certified mail, return receipt requested
(with all postage and charges prepaid), addressed as follows:



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         To Secured Party:                   MAII Holdings, Inc.
                                             c/o Richard F. Dahlson, Esq.
                                             Jackson Walker L.L.P.
                                             901 Main Street, Suite 6000
                                             Dallas, Texas  75202
                                             Attn:  Board of Directors

         Debtor:                             Christie S. Tyler
                                             5823 Encore Drive
                                             Dallas, Texas  75240

or at such other address as the above parties may from time to time designate by
written notice to the other given in accordance with this Section 6.2. Any such
notice, if personally delivered shall be deemed to have been given on the date
so delivered or, if mailed, be deemed to have been given on the third day after
such notice is placed in the United States mail in accordance with this Section
6.2.

         6.3 Definitions. The terms "advances," costs," and "expenses " shall
include, but shall not be limited to, attorneys' fees whenever incurred. The
terms "indebtedness" and "obligations" shall mean and include, but shall not be
limited to, all claims, demands, obligations and liabilities whatsoever, however
arising, whether owing by Debtor individually or as a joint venturer, or jointly
or in common with any other party, and whether absolute or contingent, and
whether owing by Debtor as principal debtor or as accommodation maker or as
endorser, liquidated or unliquidated, and whenever contracted, accrued or
payable. In this Agreement, whenever the context so requires, the neuter gender
includes the masculine and feminine, and the singular number includes the plural
and vice versa.

         6.4 Paragraph Headings. The headings of paragraphs herein are inserted
only for convenience and shall in no way define, describe or limit the scope of
intent of any provisions of this Agreement.

         6.5 Change, Amendment, Etc. No change, amendment, modification,
cancellation or discharge of any provision of this Agreement shall be valid
unless consented to in writing by Secured Party.

         6.6 Assignment of Secured Party's Interest. Secured Party shall have
the right to assign all or any portion of its rights in this Agreement to any
subsequent holder of the Note or other instrument evidencing the Secured
Obligations.

         6.7 Parties in Interest. As and when used herein, the term "Debtor"
shall mean and include the Debtor herein named and its successors and permitted
assigns, and the term "Secured Party" shall mean and include the Secured Party
herein named and its successors and assigns, and all covenants and agreements
herein shall be binding upon and inure to the benefit of Debtor, Secured Party
and their respective successors and permitted assigns.



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         6.8 Applicable Laws. This Agreement shall be construed, interpreted and
enforceable under and pursuant to the laws of the State of Texas. If any
provision of this Agreement is held to be invalid or unenforceable, the validity
or enforceability of the other provisions of this Agreement shall remain
unaffected.

         6.9 Counterparts. This Agreement may be executed in two or more
counterparts, each of which shall be deemed to be an original, but all of which
shall constitute one and the same instrument, and in making proof of this
Agreement it shall not be necessary to produce or account for more than one such
counterpart.

         IN WITNESS WHEREOF, Debtor and Secured Party have executed these
presents on the day and year first above written.

                                     DEBTOR:


                                      /s/ CHRISTIE S. TYLER
                                     -------------------------------------------
                                        Christie S. Tyler

                                     SECURED PARTY:

                                     MAII HOLDINGS, INC.


                                     By: /s/ RICHARD F. DAHLSON
                                        ----------------------------------------
                                     Its: Director
                                         ---------------------------------------




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