Document:

EXHIBIT 10.1
                                                                    ------------

Reconciliation between Head N.V. and Head Holding Unternehmensbeteiligung GmbH
Financial Statements

Head Holding is the immediate subsidiary of Head N.V. As required under the
terms of the Senior Notes, Head Holding must report fiancial reports on a
quarterly basis. The following tables show the difference in net income and
shareholders' equity between Head H.V. and Head Holding.

The reconciliation is as follows:

                                         For the Years ended December 31,
                                         --------------------------------
                                           2000        2001      2002
                                           ----        ----      ----
                                                 (in thousands)

Net income (loss)

Head Holding..........................$  27,506    $  11,439   $  (271)
Reconciliation to Head NV:
  Interest expense on
    shareholders loan.................      949          657         -
  Operating expenses..................     (680)      (2,907)   (2,477)
  Foreign exchange gain...............      (78)         135        43
  Interest income.....................       85          100        91
                                       --------     --------    ------
Head NV...............................$  27,782    $   9,424   $(2,615)

                                             December 31,
                                           ---------------
                                           2001       2002
                                           ----       ----
                                            (in thousands)

Shareholders' Equity
Head Holding..........................$ 213,049    $ 233,260

Reconciliation to Head NV.............
  Common stock and additional
    paid in capital, net of
    treasury stock....................   (1,458)      (5,792)
  Retained earnings...................     (922)      (2,245)
  Dividend paid.......................    1,021        4,154
  Other...............................      669          449
                                       --------     --------
Head NV...............................$ 212,359    $ 229,825
                                       ========     ========

The difference in consolidated net income (loss) of Head N.V. compared to Head
Holding results from Head N.V.'s administration costs. Since September 2000,
Head N.V. has also managed the distribution of the group's products in the
Netherlands.

In the Shareholders' Equity reconciliation, dividend paid represents the excess
of dividend paid to Head N.V. by Head Holding, offset by Head N.V.'s dividend to
its shareholders.EXHIBIT 10.2
                                                                   ------------

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

     In connection with the Annual Report of Head N.V. (the "Company") on Form
20-F for the period ending December 31, 2002, as filed with the Securities and
Exchange Commission on the date hereof (the "Report"), the undersigned hereby
certify that to the best of our knowledge:

     1.   The Report fully complies with the requirements of Section 13(a) of
          the Securities Exchange Act of 1934; and

     2.   the information contained in the Report fairly presents, in all
          material respects, the financial condition and results of operations
          of the Company.

Date:      March 26, 2003           By: /s/  Johan Eliasch
                                        ---------------------------------

                                               Johan Eliasch
                                               Chief Executive Officer,
                                               Chairman of the Management Board

Date:      March 26, 2003           By: /s/  Ralf Bernhart
                                        ---------------------------------

                                               Ralf Bernhart
                                               Chief Financial Officer,
                                               Member of the Management Board

A signed original of this written statement required by Section 906 has been
provided to Head N.V. and will be retained by Head N.V. and furnished to the
Securities and Exchange Commission or its staff upon request.form-10k_123102

                                                          Exhibit 4.5 of Item 15

Neither  these  Warrants nor the shares of Common Stock  issuable on exercise of
these Warrants have been registered under the Securities Act of 1933, as amended
(the "Act") or applicable  state securities laws. None of such securities may be
sold, assigned, pledged,  transferred or otherwise disposed of in the absence of
registration  under the Act and registration or  qualification  under applicable
state securities laws, or an opinion of counsel acceptable to the Company to the
effect that such registrations or qualifications are not required.

                              MEDIX RESOURCES, INC.
                        2002 SERIES C WARRANT CERTIFICATE
                                  DATE ISSUED:

Number of Warrants: ________

Holder: ___________

Address: ____________

Telephone number: _____________

THIS CERTIFIES  THAT the holder of this  Certificate  named above  ("Holder") is
entitled  to  purchase  from  MEDIX  RESOURCES,  INC.,  a  Colorado  corporation
(hereinafter  called the "Company"),  on or after July 1, 2003 and prior to July
1, 2008, at $0.50 per share,  the number of shares of the Company's common stock
set forth above ("Common  Stock").  The Warrants and all rights thereunder shall
expire on July 1,  2008.  However,  if the  closing  or last price of the Common
Stock as reported on the American Stock Exchange or other recognized exchange or
quotation  system is $4.00 or above for ten consecutive  trading days after July
1, 2003, the Company,  at its option,  may upon thirty (30) days prior notice to
the Holder,  re-purchase the Warrants from the Holder, at a re-purchase price of
$.01 per Warrant,  if they are not exercised  within such 30-day period or prior
to the end of the  five-year  exercise  period  of the  Warrants,  whichever  is
shorter. The further terms and conditions of the Warrants are as follows:

1.   These  Warrants and the Common Stock issuable on exercise of these Warrants
     (the   "Underlying   Shares")  may  be  transferred,   sold,   assigned  or
     hypothecated, only if registered by the Company under the Securities Act of
     1933 (the "Act") and  registered or qualified  under any  applicable  state
     securities  laws, or if the Company has received from counsel to the Holder
     who is reasonably  satisfactory  to the Company a written  opinion which is
     reasonably  satisfactory to the Company to the effect that  registration of
     the Warrants or the Underlying  Shares is not necessary in connection  with
     such transfer,  sale, assignment or hypothecation.  Certificates evidencing
     the Warrants and the Underlying  Shares shall be appropriately  legended to
     reflect this restriction and stop transfer instructions shall apply.

2.   Any permitted assignment of any Warrants shall be effected by the Holder by
     (i) executing a form of  assignment  in the form  furnished by the Company,
     (ii)  surrendering  this  Warrant   Certificate  for  cancellation  at  the
     principal  executive  office of the Company (or such other office or agency
     of the  Company as it may  designate  by notice in writing to the  Holder),
     accompanied by the opinion of counsel  referred to above,  and (iii) unless
     in connection  with an effective  registration  statement  which covers the
     sale of the Warrants and or the Underlying Shares,  delivery to the Company
     of a statement by the transferee  (in a form  acceptable to the Company and
     its counsel) that such Warrants are being  acquired by the  transferee  for
     investment and not with a view to its distribution or resale, whereupon the
     Company  shall  issue,  in the  name  or  names  specified  by  the  Holder
     (including  the  Holder)  new  Warrant  Certificates  representing  in  the
     aggregate  rights to purchase the same number of Shares as are  purchasable
     under  the  Warrant  Certificate   surrendered.   Such  Warrants  shall  be
     exercisable  immediately upon any such assignment if such assignment occurs
     after July 1, 2003. The transferor  will pay all relevant  transfer  taxes.
     Replacement Warrant  Certificates shall bear the same legend as is borne by
     this Certificate

3.   The term  "Holder"  should  be  deemed  to  include  any  permitted  record
     transferee of this Warrant.

4.   The Company  covenants and agrees that all shares of Common Stock which may
     be issued upon exercise  hereof will,  upon  issuance,  be duly and validly
     issued, fully paid and non-assessable and no personal liability will attach
     to the holder thereof. The Company further covenants and agrees that during
     the periods within which this Warrant may be exercised, the Company will at
     all times have  authorized  and reserved a  sufficient  number of shares of
     Common Stock for issuance upon exercise of the Warrants.

5.   The  Warrants  shall not entitle  the Holder to any voting  rights or other
     rights as a stockholder of the Company.

6.   In the event  that as a result of  reorganization,  merger,  consolidation,
     liquidation,  recapitalization, stock split, combination of shares or stock
     dividends payable with respect to such Common Stock, the outstanding shares
     of Common  Stock of the Company are at any time  increased  or decreased or
     changed into or exchanged for a different  number or kind of share or other
     security  of  the  Company  or of  another  corporation,  then  appropriate
     adjustments in the number and kind of such  securities  then subject to the
     Warrants  and/or the exercise price of the Warrants shall be made effective
     as of the date of such  occurrence  so that both the position of the Holder
     upon exercise and the total exercise price payable on such exercise will be
     the same as they would have been had Holder owned  immediately prior to the
     occurrence of such events the Common Stock  subject to the  Warrants.  Such
     adjustment shall be made successively whenever any event listed above shall
     occur and the Company  will notify the Holder of the  Warrants of each such
     adjustment.  Any fraction of a share resulting from any adjustment shall be
     eliminated  and the price per share of the remaining  shares subject to the
     Warrants adjusted accordingly.

7.   The rights represented by this Warrant  Certificate may be exercised at any
     time within the period  above  specified  by (i)  surrender of this Warrant
     Certificate at the principal executive office of the Company (or such other
     office or agency of the Company as it may designate by notice in writing to
     the Holder),  (ii) payment in cash to the Company of the exercise price for
     the number of Shares to be exercised up to the number of Shares represented
     by the Warrants then held by the Holder, together with any applicable stock
     transfer   taxes,   and  (iii)  unless  in  connection  with  an  effective
     registration  statement  which covers the sale of  Underlying  Shares,  the
     delivery to the Company of a statement by the Holder (in a form  acceptable
     to Company and its counsel) that such Underlying  Shares are being acquired
     by the Holder for investment and not with a view to their  distribution  or
     resale.

     The  certificates  for the Common Stock so purchased  shall be delivered to
the Holder within a reasonable time, not exceeding three business days after all
requisite  documentation  and  funds  have  been  provided,   after  the  rights
represented by this Warrant Certificate shall have been so exercised,  and shall
bear a restrictive legend as required by applicable securities laws.

8.   This Warrant  Certificate  shall be governed by and construed in accordance
     with the laws of the  State of New York.  The New York  courts  shall  have
     exclusive  jurisdiction  over this instrument and the enforcement  thereof.
     Service of process shall be effective if by certified mail,  return receipt
     requested.  All notices  shall be in writing and shall be deemed given upon
     receipt  by  the  party  to  whom  addressed.   This  instrument  shall  be
     enforceable by decrees of specific performances well as other remedies.

IN WITNESS WHEREOF, MEDIX REOSURCES, INC. has caused this Warrant Certificate to
be signed by a duly  authorized  officer,  and to completed  and dated as of the
date first written above.

                                                MEDIX RESOURCES, INC.

                                                By: ___________________
                                                       Darryl R. Cohen, President
                                                    and CEO

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