SC&T
                                INTERNATIONAL INC

                            SC&T INTERNATIONAL, INC.
               INCORPORATED UNDER THE LAWS OF THE STATE OF ARIZONA
                  AUTHORIZED SHARES 25,000,000 PAR VALUE $0.01
                                                            CUSIP  783975 10 5
                                                               SEE REVERSE
                                                         FOR CERTAIN DEFINITIONS

THIS CERTIFIES THAT


Is The Owner of

   Fully Paid and Non-Assessable Shares of Common Stock, Par Value $0.01, of
                            SC&T INTERNATIONAL, INC.

Transferable on the books of the Corporation by the holder hereof,  in person or
by  duly  authorized  attorney,  upon  surrender  of this  Certificate  property
endorsed or accompanied by a proper assignment. This Certificate, and the shares
represented  hereby are issued and shall be subject to all the provisions of the
Articles of Incorporation and the Bylaws of the Corporation,  and all amendments
thereto, copies of which are on file and the principal office of the Corporation
and the  Transfer  Agent to all of  which  the  holder  of this  Certificate  by
acceptance thereof asserts.  This Certificate is not valid unless  countersigned
by the Transfer Agent.
         IN WITNESS WHEREOF, the Corporation has caused the facsimile signatures
of its duly authorized officers and its facsimile seal to be hereunto affixed.

Dated: 04/03/1996
  /s/ Timothy J. Stocker                                       /s/ James Copland
         SECRETARY                                                 PRESIDENT

                            SC&T INTERNATIONAL, INC.
                                  INCORPORATED
                                    June 23,
                                      1993
                                     ARIZONA


                            SC&T INTERNATIONAL, INC.

         The  Corporation  will  furnish to any  shareholder  upon  request  and
without charge,  a full statement of the designations  preferences,  imitations,
and relative rights of the shares of each other class of stock or series thereof
authorized to be issued.

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

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

    Additional abbreviations may also be used though not in the above list.

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For Value Received,________________________hereby sell, assign and transfer unto

PLEASE INSERT SOCIAL SECURITY OR OTHER
IDENTIFYING NUMBER OF ASSIGNEE

- ---------------------------------------

THE SHARES  REPRESENTED BY THIS  CERTIFICATE  HAVE NOT BEEN REGISTERED UNDER THE
SECURITIES  ACT OF  1933,  AS  AMENDED,  OR ANY  STATE  SECURITIES  ACT  AND ARE
"RESTRICTED  SECURITIES"  WITHIN THE MEANING OF SUCH ACTS. THE SHARES MAY NOT BE
SOLD,  TRANSFERRED,  HYPOTHECATED OR OTHERWISE  DISTRIBUTED IN THE ABSENCE OF AN
EFFECTIVE  REGISTRATION UNDER SUCH ACTS OR THE RECEIPTS OF AN OPINION OF COUNSEL
SATISFACTORY TO THE ISSUER THAT SUCH REGISTRATION IS NOT REQUIRED.

THE CORPORATION WILL FURNISH TO ANY SHAREHOLDER UPON REQUEST AND WITHOUT CHARGE,
A FULL STATEMENT OF THE  DESIGNATIONS,  PREFERENCES,  LIMITATIONS,  AND RELATIVE
RIGHTS OF THE SHARES OF EACH CLASS AUTHORIZED TO BE ISSUED. Shares of the Common
Stock  represented  by  the  within  Certificate,   and  do  hereby  irrevocably
constitute  and  appoint  ________________________________  attorney-in-fact  to
transfer the said stock on the books of the within-named Corporation,  with full
power of substitution in the premises

Dated
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     NOTICE:  The  signature(s) to this assignment must correspond with the name
     as written upon the face of the  certificate in every  particular,  without
     alteration or enlargement or any change whatever.

Signature(s) Guaranteed:

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The  signature(s)  should be  guaranteed  by an eligible  guarantor  institution
(Banks,  Stockbrokers,  Savings  and Loan  Associations  and Credit  Unions with
membership in an approved signature guarantee  Medallion  Program),  pursuant to
S.E.C. Rule 17 Ad-15.