Document:

<PAGE>

                                     ARDIS
                   RESELLER AGREEMENT FOR MESSAGING SERVICES
                   -----------------------------------------

    AGREEMENT dated as of August 25, 1999, between GoAmerica Communications
Corporation, a Delaware corporation, ("GoAmerica") with offices at 401
Hackensack Ave. Hackensack, NJ 07601 and ARDIS Company, a New York general
partnership ("ARDIS"), with offices at 300 Knightsbridge Parkway, Suite 500,
Lincolnshire, Illinois 60069.

    WHEREAS, ARDIS is engaged in providing shared data radio-based
communications network services as authorized by the Federal Communications
Commission; and

    WHEREAS, GoAmerica currently provides certain software and other value added
services in the marketplace; and

    WHEREAS, ARDIS and GoAmerica desire a non-exclusive relationship to pursue
opportunities within the marketplace; and

    WHEREAS, ARDIS desires to provide, and GoAmerica desires to remarket ARDIS'
services subject to the terms and conditions hereof.

GOAMERICA AND ARDIS AGREE AS FOLLOWS:

1.  DEFINITIONS - For purposes of this Agreement:
    -----------

    (a)  "Market" shall mean all commercial users of the ARDIS GoAmerica
         Services.

    (b)  "FCC" shall mean the Federal Communications Commission.

    (c)  "Initial Term" shall mean the period commencing on the date hereof and
         ending thirty-six (36) months thereafter.

    (d)  "Prices" shall mean ARDIS prices, as set forth in Attachment A.

    (e)  "Services" shall mean ARDIS' shared data radio-based communications
         network services which enables a user to access and communicate
         wirelessly with various third party supplied information sources, or
         with certain subscribers using the ARDIS radio data network. This
         Service includes the use of the ARDIS Message Switches and related
         network software when accessed by user procured terminals and
         compatible software, and the eLink(TM) wireless email services.

    (f)  "Territory" shall mean the United States and any other countries or
         jurisdictions where the Services are provided by ARDIS in accordance
         with applicable legal and regulatory requirements.

<PAGE>

    (g)  "Additional Services" shall mean the GoAmerica webhand(TM) suite of
         services running over the ARDIS radio data network.

2.       SCOPE OF AGREEMENT
         ------------------

    ARDIS hereby agrees to establish a non-exclusive marketing relationship with
    GoAmerica as follows:

    (a)  ARDIS hereby licenses GoAmerica to be a non-exclusive remarketer of
         ARDIS Services within the Market and Territory. GoAmerica acknowledges
         that ARDIS reserves the right to market directly to end users and to
         license other resellers within the Market and Territory.

    (b)  GoAmerica shall develop and implement a non-exclusive marketing plan to
         facilitate the remarketing of the Services by GoAmerica. Such marketing
         plan may include, without limitation:

         (i)   joint development of product literature describing the Services
               and their capabilities;

         (ii)  joint attendance at trade shows, conferences and related events
               within the marketplace;

         (iii) joint presentations to prospective clients of the Services;

         (iv)  joint press releases, advertising and participation at the ARDIS
               booth at certain trade shows;

         (v)   joint marketing projections for the Services;

         (vi)  joint development activities with terminal hardware vendors; and

         (vii) previews of ARDIS' future technology and business plan.

    (d)  GoAmerica may use the ARDIS trademarks and ARDIS trade name within the
         Market and Territory in sales literature, press releases and other
         promotional media subject to the prior written consent of ARDIS as
         provided in Section 2(e) below.

    (e)  GoAmerica and ARDIS agree not to publish or use advertising, sales
         promotions or any publicity matters, including the mention of the
         existence of this Agreement without prior written consent, which
         consent will not be unreasonably withheld.

                                       2
<PAGE>

3.        GOAMERICA MARKETING AND DEVELOPMENT OBLIGATIONS
          -----------------------------------------------

    (a)   GoAmerica shall be responsible for insuring that all users to whom it
          remarkets ARDIS' Services are, if required by applicable law or
          regulation, licensed by the FCC prior to use of ARDIS' Services. ARDIS
          shall, however, provide administrative and consultative support to
          GoAmerica to facilitate the licensing process.

    (b)   During the term of this Agreement, GoAmerica will use commercially
          reasonable efforts to meet the following performance milestones within
          the timeframes indicated below:

    ===========================================================================
    TIME                             *****             *****            *****
    ---------------------------------------------------------------------------
    Number of GoAmerica
    Subscriber Units Using ARDIS     *****             *****            *****
    Services *****
    ===========================================================================

    (c)   In addition to the reseller responsibilities indicated in Attachment
          B, GoAmerica agrees:

          (a)  To provide E-mail connectivity via a GoAmerica Internet domain
               name.

          (b)  To be responsible for end-users registration and for providing
               ARDIS with the following information, including but not limited
               to Pin number, and LI number.

4.        PRICING
          -------

          GoAmerica will pay ARDIS the Prices as discounted and set forth in
          Attachment A.

5.        BILLING AND PAYMENTS
          --------------------

          (a)  GoAmerica will be responsible for billing to GoAmerica's end user
               customers for the Services and Additional Services.

          (b)  ARDIS will provide GoAmerica with the information to bill
               GoAmerica's end user customers via a monthly invoice that shows
               individual unit usage in bytes to GoAmerica within ten (10) days'
               after the end of the monthly billing period.

          (c)  Payment to ARDIS will be due within thirty (30) days of the
               receipt of the invoice by GoAmerica.

          (d)  TAXES: In addition to the charges due under this Agreement,
               GoAmerica agrees to pay amounts equal to any taxes resulting from
               this Agreement, exclusive of taxes based on ARDIS' net income and
               subject to applicable legal exemptions.

_____________________________
*****  Confidential portion omitted and filed separately with the Securities and
Exchange Commission.

                                       3
<PAGE>

6.  ORDERING
    --------

    (a)  GoAmerica shall order data terminals for its end user customers
         directly from ***** and may have the benefit of the terms and
         conditions of the ***** Supply Agreement. ***** shall work with *****
         to supply the relevant sections of the ***** Supply Agreement to
         GoAmerica, redacted if necessary.

    (b)  GoAmerica shall order the Services for each new end user customer
         electronically as mutually agreed. ARDIS shall process all such orders
         no later than one day after receipt of order.

7.  SUPPORT FOR ADDITIONAL UNITS:  Service for additional terminals, if
    ----------------------------
available, will be provided under these same terms and conditions.  Service for
such additional end user terminal registrations shall be authorized by GoAmerica
through the issuance of a purchase order which references this Agreement, the
number of terminals to be activated or registered, the selected Service Plan and
selected additional Services, if any.  It is specifically agreed between
GoAmerica and ARDIS that no such purchase order shall be effective to modify,
substitute or supplement the terms of this Agreement.

8.  DENIAL OF SERVICE:  GoAmerica agrees that its end user customers will (a)
    -----------------
observe and abide by all applicable statutes, laws, ordinances, rules and
regulations including, but not limited to, those of the FCC, and (b) use the
ARDIS Network or Systems on a shared basis with other companies so as not to
cause undue interference with any other companies using such systems. GoAmerica
acknowledges that ARDIS reserves the right to deny service to any GoAmerica end
user should the Service be used other than as intended [e.g. for data streaming
or for non HTTP file transfer]

9.  TERM / TERMINATION
    ------------------

    (a)  This Agreement shall have an Initial Term of ***** and shall
         automatically continue after the Initial Term until terminated by
         either GoAmerica or ARDIS upon ***** written notice.

    (b)  ARDIS may modify the GoAmerica discount specified in Attachment "A" of
         this Agreement upon ***** written notice for GoAmerica's failure to
         meet the applicable performance levels set forth in Paragraph 3(b).
         Should this contract be modified pursuant to this Paragraph, ARDIS
         shall continue to provide ARDIS communication services to GoAmerica's
         then current users of the Services at the revised discount

    (c)  Notwithstanding anything to the contrary contained herein, either
         GoAmerica or ARDIS may terminate this Agreement (i) upon the expiration
         of ***** from the

_____________________________
*****  Confidential portion omitted and filed separately with the Securities and
Exchange Commission.

                                       4
<PAGE>

         receipt by the other party of written notice of material breach by such
         other of its obligations under this Agreement if such breach is not
         cured within such ***** period, or (ii) if the other party shall
         dissolve or commit an act of bankruptcy or become insolvent, by sending
         such party written notice of termination which shall state the nature
         of the breach. Notwithstanding the foregoing, this Agreement shall
         terminate immediately if the authorization held by ARDIS is revoked by
         the FCC.

10. COMPANY RESPONSIBILITIES:
    -------------------------

    GoAmerica acknowledges that it will inform its end user customers that:

      .  100% radio coverage for any on-street or in-building area at all times
         is improbable;

      .  radio frequency coverage maps, if provided, are intended to indicate
         expected coverage and are not binding as an exact representation of
         coverage;

      .  uninterrupted or error-free operation is unobtainable; and

      .  occasionally network availability will be lost, and that ARDIS cannot
         be responsible for transmission errors, for corruption of data, or for
         the security of data during transmission via public telecommunications
         facilities.

    Consequently, the end user customers of GoAmerica should asses the effect
    such problems will have on their operation and develop, implement and
    maintain procedures, external to the ARDIS Network, to safeguard their
    programs and data and to establish procedures for the backup and
    reconstruction of lost data and programs adequate for their protection.

11. COMPANY PROGRAM AND DATA SECURITY: GoAmerica programs and data which is not
    ---------------------------------
    end user customer data and which come into ARDIS' custody under this
    Agreement shall be deemed to be the confidential information (as defined in
    Section 16(a)) of GoAmerica.

12. DEFAULT AND REMEDIES
    --------------------

    If GoAmerica fails to make any payment of any sum due after thirty (30)
    days, ARDIS may add a service charge at the maximum rate permitted by
    applicable law. Such additional charge shall be due and payable upon receipt
    of invoice.

    If GoAmerica fails to make any payment of any sum due or fails to perform as
    required by any other provision hereunder, and continues in such failure for
    fifteen (15) days' after written notice has been sent by ARDIS and received
    by GoAmerica, GoAmerica shall be deemed in default under this Agreement.

_____________________________
*****  Confidential portion omitted and filed separately with the Securities and
Exchange Commission.

                                       5
<PAGE>

    In the event of default, ARDIS has the right to immediately terminate this
    Agreement retain all payments made hereunder, and deny GoAmerica and its
    customers any service provided under this Agreement by or through the ARDIS
    Network or Systems. Each and all of the rights and remedies of ARDIS
    hereunder are cumulative to and not in lieu of each and every other such
    right and remedy.

    There will be a ***** reactivation fee for customers who wish to re-
    establish service once ARDIS has suspended or terminated service.

13. FORCE MAJEURE
    -------------

    Neither party hereto shall have any liability under this Agreement for
    failure to perform, or delay in providing services due directly or
    indirectly to causes beyond the reasonable control of such party including,
    but not restricted to, acts of God, or governmental entities, or of the
    public enemy, strikes, or unusually severe weather conditions.

14. TRAINING AND TECHNICAL SUPPORT
    ------------------------------

    (a)  ARDIS shall make available to GoAmerica, at no charge, reasonable
         initial training on the use of ARDIS Services.

    (b)  ARDIS shall continue to provide GoAmerica, at no charge, with technical
         assistance performed by competent ARDIS employees in connection with
         ongoing use of the Services by GoAmerica and its customers. Such
         assistance shall include, without limitation, telephone consultation,
         updates relating to changes and enhancements to the Services and
         diagnostic services.

15. THIRD PARTY LIABILITY
    ---------------------

    GoAmerica warrants that it will inform its clients and others to whom it
    remarkets ARDIS' services, of the applicable terms and conditions of this
    Agreement, as expressed in Attachment C hereof, and warrants that it will
    indemnify ARDIS Company against any liability from GoAmerica's end user
    customers resulting from their use of the ARDIS service.

16. CONFIDENTIAL INFORMATION
    ------------------------

    (a)  GoAmerica and ARDIS shall not disclose each other's confidential
         information and trade secrets including, without limitation data,
         software, documentation, client names and addresses, and all other
         proprietary information of such party to persons other than employees
         of each other who are required to have such information for the
         furtherance of the purposes of this Agreement. Each of

_____________________________
*****  Confidential portion omitted and filed separately with the Securities and
Exchange Commission.

                                       6
<PAGE>

         GoAmerica and ARDIS shall take all steps reasonably calculated to
         protect such information from unauthorized disclosure. This obligation
         shall survive the termination of this Agreement.

    (b)  Nothing in this Agreement shall cause either party to have any rights
         or licenses in any inventions, patents, trade secrets, trademarks
         and/or copyrights of the other relating to the subject matter of this
         Agreement.

17. INDEPENDENT RELATIONSHIP
    ------------------------

    GoAmerica and ARDIS specifically disclaim any partnership relationship, and
    this Agreement shall in no way be construed to make GoAmerica and ARDIS
    partners or joint venturers. For the purposes of this Agreement, GoAmerica
    and ARDIS shall be deemed to be independent contractors. Furthermore, in the
    event GoAmerica elects to sell ARDIS services to the U.S. Government, U.S.
    State or Local or any foreign Government, or to a prime contractor selling
    to a Government customer, GoAmerica does so at their own option and risk and
    agrees not to obligate ARDIS as a subcontractor or otherwise to such
    customers. GoAmerica remains solely and exclusively responsible for
    compliance with all statutes, regulations, and clauses governing sales to
    the U.S. Government State or Local or any foreign Government or to a prime
    contractor selling to a Government customer. ARDIS makes no representations,
    certifications, or warranties whatsoever with respect to the ability of its
    goods, or services, or prices to satisfy any such statutes, regulations, or
    clauses.

18. WARRANTIES:
    ----------

    ARDIS warrants that its Network is in good working order on the date of the
    Agreement and conforms to ARDIS's officially published performance
    information. ARDIS will provide preventative and remedial service to keep
    its Network in, or to restore it to, good working order. ARDIS does not
    warrant uninterrupted service or error-free operation.

19. DISCLAIMER: THE FOREGOING WARRANTIES ARE IN PLACE FOR ALL OTHER WARRANTIES,
    ----------
    EXPRESSED OR IMPLIED INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF
    MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

20. EXCLUSIVE REMEDY:
    ----------------

    In the event of any failure or delay attributable to the fault of ARDIS or
    its subcontractors, or for breach of warranty, GoAmerica's sole remedy shall
    be limited to a refund of GoAmerica's charges for the affected services
    during the time of such failure or delay. GoAmerica agrees, however, that no
    refund shall be made for the losses resulting from a single failure or delay
    which do not exceed one hundred ($100.00) dollars.

                                       7
<PAGE>

21. LIMITATION OF LIABILITY:
    -----------------------

    (a)  Neither party shall be liable for special, incidental, indirect or
         consequential damages under this Agreement, even if such party has been
         advised of the possibility of such damages.

    (b)  Except for GoAmerica's obligation to pay amounts owing under Section 5
         of this Agreement and GoAmerica's indemnity obligation pursuant to
         paragraph 15, GoAmerica's and ARDIS' total liability for any other
         claim arising out of or in any way connected with this Agreement and
         the sole remedy regardless of the form of action (whether in contract,
         tort or otherwise) shall be actual damages not to exceed fifty thousand
         ($50,000) dollars.

22. NOTICES
    -------

    All notices, demands, offers, elections, requests or other communications
    required or permitted by this Agreement shall be in writing and shall be
    sent by prepaid registered or certified mail, return receipt requested, and
    addressed to the parties at the addresses set forth below or to such other
    address as shall, from time to time, be supplied by any party to the other
    party by like notice, and shall be deemed given on the date mailed. All such
    notices shall be addressed to persons listed below:

<TABLE>
    <S>                                         <C>
    If to ARDIS:                                If to GoAmerica
         Vice President                             Attn: Mr. Joseph A. Korb
         Messaging Services                         Executive Vice President & Director
         ARDIS Company                              GoAmerica Communications Corp
         300 Knightsbridge Parkway, Suite 500       401 Hackensack Ave.
         Lincolnshire, Illinois 60069               Hackensack, NJ 07601

    Copy:                                       Copy: Chief Financial Officer
         Matthew J. Whitehead, II                   GoAmerica Communications Corp
         Vice President and Executive Counsel       401 Hackensack Ave.
         ARDIS Company                              Hackensack, NJ 07601
         300 Knightsbridge Parkway, Suite 500
         Lincolnshire, Illinois 60069
</TABLE>

23. GENERAL
    -------

    This Agreement shall be binding on the successors and permitted assigns of
    the parties hereto. Neither party shall assign this Agreement without the
    other's prior written consent except in connection of a sale of
    substantially all of the assets of the business to which this agreement
    pertains.

    If any provision of this Agreement or the application thereof to any party
    or circumstance shall be determined by any court of competent jurisdiction
    to be invalid and unenforceable to any extent, the remainder of this
    Agreement or the application of such

                                       8
<PAGE>

    provision to such person or circumstance, other than those as to which it is
    so determined invalid or unenforceable, shall not be affected thereby. and
    each provision hereof shall be valid and shall be enforced to the fullest
    extent permitted by law.

    Neither party may bring an action, regardless of form, arising out of this
    Agreement more than one year after the cause of action has arisen. ARDIS may
    not bring an action for nonpayment more than 2 years after the date the last
    payment was due.

    Failure or delay on the part of ARDIS or GoAmerica to exercise any right,
    remedy, power or privilege hereunder shall not operate as a waiver thereof.
    A waiver, to be effective, must be in writing and signed by the party making
    the waiver. A written waiver of a default shall not operate as a waiver of
    any other default or of the same type default on a future occasion.

    The headings in this Agreement are solely for convenience of reference and
    shall not affect its interpretation.

    This Agreement shall be constructed and enforced in accordance with the laws
    of the State of Illinois.

    This Agreement is the entire agreement between the parties with respect to
    the subject matter hereof, and no alteration, modification or interpretation
    hereof shall be binding unless in writing signed by both parties.

IN WITNESS WHEREOF, the parties have caused this Agreement to be executed as of
the day and year first written.

     GOAMERICA                               ARDIS COMPANY

By: /s/ Joseph Korb                          /s/ Dan Croft
    -----------------------------------      ----------------------------------
    (AUTHORIZED SIGNATURE)                   (AUTHORIZED SIGNATURE)

    ___________________________________      __________________________________
    (TYPE OR PRINT NAME)                     (TYPE OR PRINT NAME)

    Executive Vice President                 Vice President
    -----------------------------------      ----------------------------------
    (TITLE)                                  (TITLE)

    8/25/99                                  8/24/99
    -----------------------------------      ----------------------------------
    (DATE)                                   (DATE)

                                       9
<PAGE>

                                ATTACHMENT "A"

   GOAMERICA PRICING FOR PROVIDING THE SERVICES AND THE ADDITIONAL SERVICES

Network Registration Fee:  $***** per unit
------------------------

Volume Commitments:
------------------
Qty.                     Base Wholesale Price
***** devices            $*****
***** devices            $*****
***** devices            $*****

Unlimited Plan
--------------

<TABLE>
<S>                                                         <C>                     <C>               <C>
Wholesale base price                                        $***** (*****% margin)  $***** (***** %)  $*****(*****%)
Options:
Lower the wholesale price by doing the following:
   .   Bill customer/collections                            -$*****                 -$*****           -$*****
   .   Hardware fulfillment
       .   End-user fulfillment                             -$*****                 -$*****           -$*****
       .   Private labeling                                 -$*****                 -$*****           -$*****
   .   Customer Care 1/st/ level                            -$*****                 -$*****           -$*****
   .   Operator Assisted Messaging                          -$*****                 -$*****           -$*****
   .   Branding, dominant position in
          marketing to customer base                        -$*****                 -$*****           -$*****
                                                            -------                 -------           -------
   Wholesale airtime price =                                $*****                  $*****            $*****

   Faxing  $*****/page
</TABLE>

Limited Usage Plan
------------------

$***** plus $**** per kilobyte per subscriber.

_____________________________
*****  Confidential portion omitted and filed separately with the Securities and
Exchange Commission.

                                       10
<PAGE>

                                  ATTACHMENT B

                                    RESELLER
                                RESPONSIBILITIES

<TABLE>
<CAPTION>
================================================================================================
SALES RESPONSIBILITY
------------------------------------------------------------------------------------------------
<S>                                   <C>
                                      GoAmerica shall be the primary sales lead provider.
                                      ARDIS may provide leads to GoAmerica as ARDIS uncovers
Lead Generation                       such opportunities as part of its normal course of
                                      business.
------------------------------------------------------------------------------------------------
                                      GoAmerica will be responsible for developing any and all
                                      proposal materials.  ARDIS will support with ARDIS
Proposal Support                      background, network coverage, cost justification model
                                      development and any other boiler plate requirements.
------------------------------------------------------------------------------------------------
PROJECT IMPLEMENTATION
------------------------------------------------------------------------------------------------
                                      GoAmerica will be responsible for all training to include
                                      ultimate customer, help desk system administrator.  ARDIS
Implementation Training               will support such training with telephone and
                                      documentation support.
------------------------------------------------------------------------------------------------
                                      GoAmerica will be responsible for installation and
Hardware/Software Install             testing of all hardware and software components.
------------------------------------------------------------------------------------------------
POST INSTALL SUPPORT
------------------------------------------------------------------------------------------------
                                      GoAmerica will remit payment for the timely payment of
Customer Billing - ARDIS Airtime      fees and charges for ARDIS Airtime as invoiced.
------------------------------------------------------------------------------------------------
                                      GoAmerica will provide the ultimate customer with help
                                      desk training as required and will act as the ultimate
Help Desk (Ultimate Customer)         customer's first line trouble interface.  ARDIS will
                                      provide second level help desk support to GoAmerica; not
                                      to GoAmerica's customers.
================================================================================================
</TABLE>

                                       11
<PAGE>

                                 ATTACHMENT C

1.   Nature and Control of ARDIS Network:  GoAmerica is remarketing ARDIS'
     -----------------------------------
     Services to its clients in conjunction with database information services
     and/or other value-added services. ARDIS controls the radio network which
     enables communication and provides access in accordance with FCC rules and
     regulations to and through GoAmerica on a shared basis. All clients of
     GoAmerica shall use the ARDIS Network so as not to cause undue interference
     with any other users of the ARDIS Network.

2.   Security: Clients of GoAmerica are responsible for developing and/or
     --------
     maintaining procedures, external to the ARDIS Network, to safeguard
     programs and data, and for the backup and reconstruction of lost data,
     programs or procedures.  Consequently, Clients of GoAmerica release ARDIS
     from all liability for the loss or alteration of programs or data or their
     acquisition by another party, except for ARDIS' failure to implement those
     aspects of security procedures which are under ARDIS' control.  ARDIS will
     not be responsible for transmission errors, corruption of data or for the
     security of data during transmission via public telecommunications
     facilities

3.   Confidentiality: Any and all programs and other materials provided by ARDIS
     ---------------
     to GoAmerica for distribution or use by its clients in connection with the
     use of the ARDIS Services, shall remain the exclusive and confidential
     property of ARDIS, are licensed solely for use in conjunction with the
     ARDIS Services, shall not be reproduced or copied except as required for
     the authorized use of the Services, and shall be returned to ARDIS upon
     request.

4.   Limitation of Liability: Clients of GoAmerica hereby agree that the
     -----------------------
     following provisions govern their rights against ARDIS in the event that
     they experience a partial or total failure, malfunction or defect in any of
     the Services provided by ARDIS under the above-referenced Agreement. In no
     event shall ARDIS be liable for incidental or consequential damages
     (including without limitation, lost profits, lost savings, incidental
     damages or other economic consequential damages, even if ARDIS has been
     advised of the possibility of such damages) to the full extent such may be
     disclaimed by law.  Further, Ardis Company shall not be liable for any
     damages based on any third party claim.

                                       12SPECIMEN

COMMON STOCK                                                        COMMON STOCK
                              MEDIX RESOURCES, INC.
                       CONNECTING THE WORLD OF HEALTHCARE

                              MEDIX RESOURCES, INC.
              INCORPORATED UNDER THE LAWS OF THE STATE OF COLORADO

THIS CERTIFICATE IS TRANSFERABLE                         SEE REVERSE FOR CERTAIN
 IN DENVER, CO AND NEW YORK, NY                          DEFINITIONS AND FOR
                                                         INFORMATION REGARDING
                                                         AUTHORITY TO ISSUE A
                                                         STOCK OF MORE THAN ONE
                                                         CLASS

THIS IS TO CERIFY THAT

IS THE OWNER OF

       FULLY PAID AND NON-ASSESSABLE SHARES OF THE COMMON STOCK ($.001 PAR
                                    VALUE) OF

                              MEDIX RESOURCES, INC.

                              CERTIFICATE OF STOCK

transferable on the books of the books of the Corporation by the holder hereof
in person or by duly authorized attorney upon surrender of this certificate
properly endorsed. This certificate and the shares represented hereby are issued
and shall be held subject to all of the provisions of the Articles of
Incorporation of the Corporation and the Bylaws of the Corporation and all
amendments thereto, to all of which the holder by the acceptance hereof assents.
This certificate is not valid unless countersigned by the Transfer Agent.
     WITNESS the facsimile seal of the Corporation and the facsimile signatures
of its duly authorized officers.

      Dated

<PAGE>

                              MEDIX RESOURCES, INC.
                   Transfer Fee: $10.00 Per Certificate Issued

The following abbreviations, when used in the inscription on the face of this
certificate, shall be construed as through they were written out in full
according to applicable laws or regulations.

TEN COM - as tenants in common       UNIF GIFT MIN ACT-_____ Custodian _______
TEN ENT - as tenants by the entireties                 (Cust)          (Minor)
JT TEN - as joint tenants with right of            under Uniform Gifts to Minors
survivorship and not as tenants in common          Act __________
                                                         (State)

     Additional abbreviations may also be used through not in the above list

For Value Received, ________________________________________ hereby
sell, assign and transfer unto

PLEASE INSERT SOCIAL SECURITY OR OTHER
IDENTIFYING NUMBER OF ASSIGNEE

________________________________________________________________________________
   (PLEASE PRINT OR TYPEWRITE NAME, AND ADDRESS INCLUDING ZIP CODE OF ASSIGNEE

________________________________________________________________________________

__________________________________________________________________________Shares
Of the capital stock represented by the within Certificate and do hereby
irrevocably constitute and appoint

________________________________________________________________________Attorney
To transfer the said stock on the books of the within named Corporation with
full power of substitution in the premisee.

Date:________________________

                                   _____________________________________________
                                   NOTICE:THE SIGNATURE TO THIS ASSIGNMENT MUST
                                   CORRESPOND WITH THE NAME AS WRITTEN UPON
                                   THE PAGE OF THE CERTIFICATE IN EVERY
                                   PARTICULAR, WITHOUT ALTERATION OR ENLARGEMENT
                                   OR ANY CHANGE WHATEVER

Signature(s) Guaranteed:

____________________________________
THE SIGNATURE(S) MUST BE GUARANTEED
BY AN ELIGIBLE GUARANTOR INSTITUTION
(BANKS, STOCK BROKERS, SAVINGS AND
LOAN ASSOCIATIONS AND CREDIT UNIONS
WITH MEMBERSHIP IN AN APPROVED
SIGNATURE GUARANTEE MEDALLION PROGRAM)
PURSUANT TO S.E.C. RULE 17Ad-15

   KEEP THIS CERTIFICATE IN A SAFE PLACE IF IT IS LOST, STOLEN, MUTILATED OR
 DESTROYED, THE CORPORATION WILL REQUIRE A BOND OF INDEMNITY AS A CONDITION TO
                   THE ISSUANCE OF A REPLACEMENT CERTIFICATE.

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