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                                                                  EXHIBIT 10.1.3

                            AMENDMENT NUMBER THREE TO
                           LOAN AND SECURITY AGREEMENT

         THIS AMENDMENT NUMBER THREE TO LOAN AND SECURITY AGREEMENT, dated as of
December 19, 2001 (this "Amendment"), amends that certain Loan and Security
Agreement, dated as of February 4, 1999 (as amended from time to time, the "Loan
Agreement"), by and between AMERIVISION COMMUNICATIONS, INC., an Oklahoma
corporation ("Borrower"), on the one hand, and COAST BUSINESS CREDIT, a division
of Southern Pacific Bank, a California corporation ("Coast"), on the other hand.
All initially capitalized terms used in this Amendment shall have the meanings
ascribed thereto in the Loan Agreement unless specifically defined herein.

                                    RECITALS

         WHEREAS, Borrower has requested that Coast temporarily waive an
existing Event of Default under the Loan Agreement pursuant to the terms and
provisions set forth in this Amendment;

         WHEREAS, Borrower and Coast wish to amend the Loan Agreement pursuant
to the terms and provisions set forth in this Amendment; and

         NOW, THEREFORE, the parties hereto agree as follows:

                                TEMPORARY WAIVER

                  Pursuant to Section 8.3(6) of the Schedule to the Loan
Agreement, as amended, Borrower was required to engage a national accounting
firm, acceptable to Lender, for the preparation of Borrower's December 31, 2000
fiscal year-end financial statements. The time period for compliance with this
requirement has been extended on two previous occasions with the last extension
expiring on September 30, 2001. Borrower's failure to comply with such
requirement as of September 30, 2001 is an Event of Default. Borrower has
requested, and Coast hereby consents to, a further extension through March 31,
2002 in which to comply with such requirement.

                                   AMENDMENTS

                  Section 1. AMENDMENT TO SECTION 1 OF THE AGREEMENT TO ADD A
DEFINITION FOR "DEBT". The following definition of "Debt" is hereby added to the
definitions set forth in Section 1 of the Agreement:

         ""Debt" means, as of the date of determination, the sum, but without
         duplication, of any and all of Borrower's: (i) indebtedness heretofore
         or hereafter created, issued, incurred or assumed by such Borrower
         (directly or indirectly) for or in respect of

                                                                               1
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         money borrowed; (ii) all obligations arising out of capital leases; and
         (iii) all obligations for the deferred purchase price of property or
         services."

                  Section 2. AMENDMENT TO SECTION 1 OF THE AGREEMENT TO ADD A
DEFINITION FOR "DEBT SERVICE COVERAGE RATIO". The following definition of "Debt
Service Coverage Ratio" is hereby added to the definitions set forth in Section
1 of the Agreement:

         ""Debt Service Coverage Ratio" means the ratio, for any time period,
         whose numerator is the difference between EBITDA and the sum of
         unfinanced a) capital expenditures and b) cash income taxes paid, and
         whose denominator is all principal payments (less principal payments
         formally deferred and subordinated to Coast) and interest payments
         (less interest payments formally deferred or paid in kind) made by
         Borrower on Debt."

                  Section 3. AMENDMENT TO SECTION 2.1 OF THE SCHEDULE TO THE
LOAN AGREEMENT REGARDING THE MAXIMUM DOLLAR AMOUNT. The first paragraph of
Section 2.1 of the Schedule to the Loan Agreement is hereby amended by deleting
such paragraph in its entirety and replacing it with the following:

                  "Loans in a total amount at any time outstanding not to exceed
                  the lesser of a total of Twenty Eight Million Five Hundred
                  Dollars ($28,500,000) at any one time outstanding (the
                  "Maximum Dollar Amount"), or the lesser of (a) [as set forth
                  in Amendment Number One dated September, 1999] and (b) [as set
                  forth in Amendment Number Two dated May 10, 2000] below:"

                  Section 4. AMENDMENT TO ADD A NEW SECTION 8.1(8) TO THE
SCHEDULE TO THE LOAN AGREEMENT. The following Section 8.1(8) is hereby added to
the Schedule to the Loan Agreement:

         "8.      As measured quarterly, commencing with the quarterly period
                  ending March 31, 2002, Borrower shall maintain an ongoing
                  minimum Debt Service Coverage Ratio, for the immediately
                  preceding trailing three (3) month period, as follows:

<Table>
<Caption>
                  Quarterly Period Ending            Applicable Debt Service Coverage Ratio
                  -----------------------            --------------------------------------
<S>                                                  <C>
                  March 31, 2002                     1.10:1.00

                  June 30, 2002, and all
                  subsequent quarterly
                  periods                            1.25:1.00"
</Table>

                  Section 5. AMENDMENT TO SECTION 8.3(6) OF THE SCHEDULE TO THE
LOAN AGREEMENT REGARDING ANNUAL FINANCIAL STATEMENTS. Section 8.3(6) of the
Schedule to the Loan Agreement is hereby amended by deleting such paragraph in
its entirety and replacing it with the following:

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                  "On an ongoing basis, annual financial statements, as soon as
                  available, and in any event within ninety (90) days following
                  the end of Borrower's fiscal year, containing the unqualified
                  opinion of, and certified by, a certified public accounting
                  firm acceptable to Coast."

                  Section 6. CARRIER RESERVES. Pursuant to the terms of the Loan
Agreement, Coast is entitled to institute and maintain Carrier Reserves for the
payment of carrier accounts payable. Such a reserve is currently maintained for
accounts payable owing to WorldCom and Broadwing. We understand that Borrower
may wish to obtain services from additional carriers in the future. Coast agrees
to reduce the amount of Carrier Reserves for WorldCom once WorldCom agrees in
writing to reduce the reserve requirement currently contained within the
Intercreditor Agreement between Coast and WorldCom. Thereafter, the Carrier
Reserve for WorldCom will be equal to the Reserve amount required by WorldCom.
Furthermore, Carrier Reserves for all other carriers of Borrower will be based
on the requirements of each individual carrier, but in no event to be less than
Five Hundred Thousand Dollars ($500,000). The amount of reserves required by the
carriers is limited to no more than One Million Dollars ($1,000,000) in
aggregate at any time without prior Coast written approval. In connection with
the exercise by Coast of its discretion, Coast expressly reserves the right to
increase the amount of Carrier Reserves if Borrower's payments to any of its
carriers become delinquent at any time in the future.

                  Section 7. CONDITIONS PRECEDENT. The effectiveness of this
Amendment is expressly conditioned upon the receipt by Coast of:

                  (1)  a fully executed copy of this Amendment; and

                  (2)  a fully executed copy of that certain Amendment Number
                       Two to Syndicated Lender Rider.

                  Section 8. ENTIRE AGREEMENT. The Loan Agreement, as amended
hereby, embodies the entire agreement and understanding between the parties
hereto and supersedes all prior agreements and understandings relating to the
subject matter hereof. Borrower represents, warrants and agrees that in entering
into the Loan Agreement and consenting to this Amendment, it has not relied on
any representation, promise, understanding or agreement, oral or written, of, by
or with, Coast or any of its agents, employees, or counsel, except the
representations, promises, understandings and agreements specifically contained
in or referred to in the Loan Agreement, as amended hereby.

                  Section 9. CONFLICTING TERMS. In the event of a conflict
between the terms and provisions of this Amendment and the terms and provisions
of the Loan Agreement, the terms of this Amendment shall govern. In all other
respects, the Loan Agreement, as amended and supplemented hereby, shall remain
in full force and effect.

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                  Section 10. MISCELLANEOUS. This Amendment shall be governed by
and construed in accordance with the laws of the State of California. This
Amendment may be executed in any number of counterparts, all of which taken
together shall constitute one agreement, and any party hereto may execute this
Amendment by signing such counterpart.

                  IN WITNESS WHEREOF, the parties hereto have caused this
Amendment to be duly executed by their respective officers thereunto duly
authorized as of the date first above written.

                                       BORROWER:

                                       AMERIVISION COMMUNICATIONS, INC.,
                                       An Oklahoma corporation

                                       By /s/ KENNETH R. KOLEK
                                         ---------------------------------------
                                         President

                                       By /s/ DAVID GROSE
                                         ---------------------------------------
                                         Secretary or Ass't Secretary

                                       COAST:

                                       COAST BUSINESS CREDIT,
                                       A DIVISION OF SOUTHERN PACIFIC BANK

                                       By /s/ JOHN WATKINS
                                         ---------------------------------------
                                       Title Vice President
                                            ------------------------------------

                                                                               4<PAGE>
                                                                   EXHIBIT 10.11

                  BUSINESS RELATIONSHIP RESTRUCTURING AGREEMENT

         This Business Relationship Restructuring Agreement (this "Agreement")
is made and entered into as of March 26, 2002, by and between MAII Holdings,
Inc., a Texas corporation (the "Company"), and Christie S. Tyler ("Tyler"). The
Company and Tyler are sometimes each referred to herein as a "Party", and
collectively as the "Parties".

                                   WITNESSETH:

         WHEREAS, MAII and Tyler are parties to certain agreements involving
Tyler's business relationship with the Company; and

         WHEREAS, the Parties desire to restructure such business relationship
to the extent provided herein;

         NOW, THEREFORE, in consideration of the foregoing and for other good
and valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the Parties hereby agree as follows:

         1. Amendments to Employment Agreement. The term of the Employment
Agreement, dated as of January 12, 2001 between the Parties is hereby extended
until January 1, 2005. The Parties have executed and delivered an Employment
Agreement, dated as of January 12, 2001 (the "Employment Agreement"). The
Employment Agreement is amended as follows:

                  (a) The Term (as defined therein) is extended to January 1,
2005.

                  (b) The first paragraph of Section 7(b)(ii) shall be amended
to read in its entirety as follows:

                           "If this Agreement is terminated pursuant to Section
                           7(a)(v) or 7(a)(vi), then, in addition to the Salary
                           earned by Employee prior to the date of such
                           termination, Employer shall pay to Employee a
                           severance payment in an amount equal to the monthly
                           installment of Employee's Salary then in effect
                           multiplied by the lesser of: (1) the remaining months
                           of the Term; or (2) twelve."

         2. Non-Qualified Stock Options Agreements. That certain Non-Qualified
Stock Option Agreement, dated as of January 12, 2001, by and between the
Parties, to purchase up to 166,667 shares of the Company's common stock (the
"Common Stock"), shall remain in full force and effect as written. That certain
Non-Qualified Stock Option Agreement, dated as of January 12, 2001, by and
between the parties, to purchase up to 233,333 shares of Common Stock, is hereby
terminated in its entirety and shall no longer be in force or effect.

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         3. Promissory Note and Stock Re-Purchase Agreement.

                  (a) The Parties entered into a Stock Purchase Agreement, dated
as of February 1, 2001 (the "Stock Purchase Agreement"), pursuant to which,
among other things, Tyler purchased 680,000 shares of Common Stock from the
Company at a purchase price of $4.03 per share ($2,740,400 in the aggregate),
with $2,739,040 of such purchase price being payable pursuant to the terms and
provisions of a Promissory Note, dated as of February 1, 2001, issued by Tyler
to the Company (the "Promissory Note"). The Stock Purchase Agreement further
provided that if Tyler purchased shares of Common Stock from shareholders of the
Company prior to April 12, 2000 (which date was orally amended from time to time
by the Board of Directors of the Company), then Tyler could sell shares
purchased under the Stock Purchase Agreement back to the Company at the price of
$4.03 per share.

                  (b) As of the date hereof, Tyler is in dispute of his
repayment obligations under the Promissory Note. In addition, as of the date
hereof, Tyler has purchased an aggregate of 137,700 shares of Common Stock from
other shareholders of the Company. Tyler is currently the owner of 4,981,955
ordinary shares (the "Sol6 Shares") of Solution 6 Holdings, Ltd ("Solution 6"),
which Sol6 Shares are held in Tyler's brokerage account with BNP Paribas,
Sydney, Australia (Account # 700307) (the "Brokerage Account"). The Sol6 Shares
are subject to a margin loan (the "Margin Loan") of $AUD 1,815,364.05, and
accrued but unpaid interest of $AUD 9,146.00. The Parties hereby agree that on
or prior to May 15, 2002:

                           (i) Tyler will assign and transfer to the Company
                  2,012,582 of the Sol6 Shares (the "Transferred Shares"), free
                  and clear of any liens, claims and encumbrances, including,
                  without limitation, the Margin Loan.

                           (ii) Certificate No. C-2052, representing 680,000
                  shares of Common Stock, and currently held by the Company as
                  collateral for payment of the Promissory Note, shall be
                  cancelled and Tyler will be re-issued a certificate
                  representing 266,667 shares of Common Stock.

                           (iii) The Promissory Note is hereby deemed to be
                  cancelled and paid as follows: (a) $800,001 of the principal
                  amount of the Promissory Note shall be deemed to be paid by
                  the delivery by Tyler to the Company of the Transferred
                  Shares, at an agreed upon price of $ .3975 per Sol6 Share
                  [i.e., AUS$.75 per share x .53 conversion rate], and at an
                  agreed upon re-purchase price of $3.00 per share of Common
                  Stock; (b) $554,931 of the principal amount of the Promissory
                  Note shall be deemed to be reduced due to the purchase by
                  Tyler of Common Stock from other shareholders of the Company
                  as discussed in Section 3(a) above; and (c) the remaining
                  $1,384,108 of the principal amount of, and all accrued but
                  unpaid interest on, the Promissory Note shall be deemed to be
                  canceled.

         4. Delivery of Other Shares. In addition to the Sol6 Shares, Tyler is
currently holding 503,145 ordinary shares of Solution 6 (the "Held Shares") in
the Brokerage Account on behalf of the Company. On or prior to May 15, 2002,
Tyler will cause the Held Shares to be delivered to the Company, free and clear
of all liens, claims and encumbrances.

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         5. Rescission. At the option of the Company, this Agreement may be
rescinded by the Company and be of no further force or effect, and accordingly
the Parties shall be deemed to be back in the exact circumstances as they were
prior to the entering into his Agreement by the Parties, in the event that the
transfer of the Transferred Shares in accordance with Section 3(b) above or the
Held Shares in accordance with Section 4 above are not completed by the dates
specified in Sections 3 and 4, respectively.

         6. Letter Agreement. The Letter Agreement, dated July 11, 2001, by and
between the Parties is hereby terminated and is of no further force or effect.

         7. Other Agreements. Except as otherwise provided above, all other
agreements and arrangements between the Parties and approved by the Board of
Directors of the Company shall remain in full force and effect.

         8. Amendment and Assignment. This Agreement may be amended, modified or
supplemented only by an instrument in writing executed by all the parties
hereto. This Agreement shall extend to and be binding upon each of the parties
and their respective successors and assigns.

         9. Governing Law. This Agreement and the rights and obligations of the
parties hereto, shall be governed, construed and enforced in accordance with the
laws of the State of Texas.

         10. Counterparts. This Agreement may be executed in counterparts, each
of which shall be deemed an original, and all of which together shall constitute
one and the same document.

         IN WITNESS WHEREOF, the parties hereto have executed this Agreement as
of the date first above written.

                                       MAII HOLDINGS, INC.

                                       By:      /s/ THOMAS A. MONTGOMERY
                                          --------------------------------------
                                          Thomas A. Montgomery,
                                          Chief Financial Officer

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

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