SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                                 --------------

                                    FORM S-8
                             REGISTRATION STATEMENT
                                      UNDER
                           THE SECURITIES ACT OF 1933

                                FINDEX.COM, INC.
             (Exact Name of Registrant as Specified in Its Charter)

              Nevada                                 88-0379462
    (State of Other Jurisdiction      (I.R.S. Employee Identification
No.)
        of Incorporation)

                             11204 Davenport Street
                                    Suite 100
                         Omaha, NE 68154 (402) 333-1900
                    (Address of Principal Executive Offices)

                         Negotiated Settlement Agreement
                            (Full Title of the Plan)

                                  Steven Malone
                      President and Chief Executive Officer
                             11204 Davenport Street
                                    Suite 100
                                 Omaha, NE 68154
                     (Name and Address of Agent For Service)

                                 (402) 333-1900
          (Telephone Number, Including Area Code, of Agent For Service)

                                   Copies to:
                            Michael M. Membrado, Esq.
                              Membrado Montell, LLP
                         535 West 34th Street, 2nd Floor
                            New York, New York 10001

                         CALCULATION OF REGISTRATION FEE
<TABLE>
<S>                         <C>               <C>
<C>                <C>
                                              PROPOSED MAXIMUM
PROPOSED MAXIMUM
TITLE OF SECURITIES TO BE   AMOUNT TO BE      OFFERING PRICE PER
AGGREGATE          AMOUNT OF
REGISTERED                  REGISTERED        SHARE
OFFERING PRICE     REGISTRATION FEE
--------------------------- ----------------- -----------------------
------------------ --------------------
Common Stock                296,308           $0.03 (1)
$8,889.24          $0.82
--------------------------- ----------------- -----------------------
------------------ --------------------
Total                       296,308           $0.03
$8,889.24          $0.82 (2)
--------------------------- ----------------- -----------------------
------------------ --------------------
</TABLE>

(1) Estimated solely for the purpose of determining the registration fee
in
accordance with Rule 457(c) based on the average of the bid and asked
prices of
the Common Stock as traded in the over-the-counter market and reported
on the
OTC Bulletin Board of the National Association of Securities Dealers on
November
7, 2002.

(2) The filing fee of $0.82 is offset against the $507.89 credit due to
the
Registrant based upon the withdrawn SB-2 filed with the Commission on
August 2,
2001, File No.: 333-66570, minus the fee of $27.17 used on the S-8 filed
with
the Commission on September 24, 2002, File No.: 333-100035.
<PAGE>

                                     PART I
              INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS

The following documents listed under this Part I and the documents
incorporated
by reference under Item 3 of Part II to this Form S-8, taken together,
constitute a prospectus that meets the requirements of Section 10(a) of
the
Securities Act of 1933, as amended (the "Securities Act"), and are
incorporated
herein by reference.

ITEM 1.     PLAN  INFORMATION.

The information required to be provided pursuant to this Item to the
participants Ronald Ardt, President - Business Investor Services, Inc.
is set
forth in the Negotiated Settlement Agreement between Findex.com, Inc.
(the
"Registrant") and Ardt Investment Management, Inc., dated October 17,
2002. See
Exhibit 4.1.

The information required to be provided pursuant to this Item to the
participants of the Employee Stock Purchase Plan will be sent or given
to the
participants in the Plan as specified by Rule 428(b)(1). Such documents
have not
been filed with the Securities and Exchange Commission (the
"Commission") either
as a part of this Registration Statement or as a prospectus or
prospectus
supplement pursuant to Rule 424 in reliance on Rule 428 under the
Securities
Act.

ITEM  2.    REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION.

Written statement required to be provided to participants pursuant to
this Item
2:

We will provide, without charge, to each participant, upon written or
oral
request of such person, a copy of any or all of the documents
incorporated by
reference in Item 3 of Park II of this Registration Statement. These
documents
are incorporated by reference in the Section 10(a) prospectus. Requests
may be
forwarded to FindEx.com, Inc., 11204 Davenport Street, Suite 100, Omaha,
NE
68154 (402) 333-1900


                                     PART II
               INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

ITEM 3.     INCORPORATION OF DOCUMENTS BY REFERENCE.

The following documents filed by the Registrant with the Commission are
incorporated herein by reference:

     (a) The Registrant's Annual Report on Form 10-KSB for the year
ended
December 31, 2001;

     (b) All other reports filed pursuant to Section 13(a) or 15(d) of
the
Securities Exchange Act of 1934 as amended (the "Exchange Act") by the
Registrant with the Commission since December 31, 2001;

     (c) The description of the Registrant's Common Stock contained in
the
Registrant's Form 8-K12G filed with the Commission on March 15, 2000 and
any
amendments of reports filed for the purpose of updating the description;
and

Any document filed by the Registrant with the Commission pursuant to
Sections
13(a), 13(c), 14 or 15(d) of the Exchange Act subsequent to the date
hereof, but
prior to the filing of a post-effective amendment to this Registration
Statement
which indicates that all shares of Common Stock registered hereunder
have been
sold or that deregisters all such shares of Common Stock then remaining
unsold,
shall be deemed to be incorporated by reference herein and to be part
hereof
from the date of filing of such documents.

ITEM 4.     DESCRIPTION OF SECURITIES.

Not applicable.

ITEM 5.  INTERESTS OF NAMED EXPERTS AND COUNSEL.

Certain legal matters with respect to the validity of the securities
registered
hereby have been passed upon for the Registrant by the law firm of
Membrado &
Montell, LLP, corporate counsel to the Registrant ("Membrado Montell").
Membrado
Montell has, in the past, received warrants to purchase an aggregate of
150,000
shares of Common Stock at an exercise price of $0.01 per share. These
warrants
expire between March 7, 2006 and May 11, 2006. In addition, Membrado
Montell is
owed $80,890.59, as of October 2, 2002, in legal fees, in connection
with which
it is currently in discussions with the Registrant to convert all or
part of
such amount to shares of Common Stock.

ITEM 6.     INDEMNIFICATION OF DIRECTORS AND OFFICERS.

Our Articles of Incorporation provide for indemnification of the
directors of
FindEx. In addition, our Bylaws provide for indemnification of our
directors,
officers, employees or agents. In general, these provisions provide for
indemnification in instances when such persons acted in good faith and
in a
manner they reasonably believed to be in or not opposed to the best
interests of
the Registrant.

In addition, Nevada law authorizes a Nevada corporation to indemnify its
officers and directors against claims or liabilities arising out of such
person's conduct as officers or directors if they acted in good faith
and in a
manner they reasonably believed to be in or not opposed to the best
interests of
the company for which they serve. Specifically, Section 78.7502 of the
Nevada
Revised Statutes (discretionary and mandatory indemnification of
officers,
directors, employees and agents: general provisions) provides as
follows:

     1. A corporation may indemnify any person who was or is a party or
is
threatened to be made a party to any threatened, pending or completed
action,
suit or proceeding, whether civil, criminal, administrative or
investigative,
except an action by or in the right of the corporation, by reason of the
fact
that he is or was a director, officer, employee or agent of the
corporation, or
is or was serving at the request of the corporation as a director,
officer,
employee or agent of another corporation, partnership, joint venture,
trust or
other enterprise, against expenses, including attorneys' fees,
judgments, fines
and amounts paid in settlement actually and reasonably incurred by him
in
connection with the action, suit or proceeding if he acted in good faith
and in
a manner which he reasonably believed to be in or not opposed to the
best
interests of the corporation, and, with respect to any criminal action
or
proceeding, had no reasonable cause to believe his conduct was unlawful.
The
termination of any action, suit or proceeding by judgment, order,
settlement,
conviction or upon a plea of nolo contendere or its equivalent, does
not, of
itself, create a presumption that the person did not act in good faith
and in a
manner which he reasonably believed to be in or not opposed to the best
interests of the corporation, and that, with respect to any criminal
action or
proceeding, he had reasonable cause to believe that his conduct was
unlawful.

     2. A corporation may indemnify any person who was or is a party or
is
threatened to be made a party to any threatened, pending or completed
action or
suit by or in the right of the corporation to procure a judgment in its
favor by
reason of the fact that he is or was a director, officer, employee or
agent of
the corporation, or is or was serving at the request of the corporation
as a
director, officer, employee or agent of another corporation,
partnership, joint
venture, trust or other enterprise against expenses, including amounts
paid in
settlement and attorneys' fees actually and reasonably incurred by him
in
connection with the defense or settlement of the action or suit if he
acted in
good faith and in a manner which he reasonably believed to be in or not
opposed
to the best interests of the corporation. Indemnification may not be
made for
any claim, issue or matter as to which such a person has been adjudged
by a
court of competent jurisdiction, after exhaustion of all appeals
therefrom, to
be liable to the corporation or for amounts paid in settlement to the
corporation, unless and only to the extent that the court in which the
action or
suit was brought or other court of competent jurisdiction determines
upon
application that in view of all the circumstances of the case, the
person is
fairly and reasonably entitled to indemnity for such expenses as the
court deems
proper.

      3. To the extent that a director, officer, employee or agent of a
corporation has been successful on the merits or otherwise in defense of
any
action, suit or proceeding referred to in subsections 1 and 2, or in
defense of
any claim, issue or matter therein, the corporation shall indemnify him
against
expenses, including attorneys' fees, actually and reasonably incurred by
him in
connection with the defense.

Nevada Revised Statutes 78.751 (Authorization required for discretionary
indemnification; advancement of expenses; limitation on indemnification
and
advancement of expenses) provides as follows:

      1. Any discretionary indemnification under NRS 78.7502 unless
ordered by a
court or advanced pursuant to subsection 2, may be made by the
corporation only
as authorized in the specific case upon a determination that
indemnification of
the director, officer, employee or agent is proper in the circumstances.
The
determination must be made:
      (a) By the stockholders;
      (b) By the board of directors by majority  vote of a quorum
consisting
of directors who were not parties to the action, suit or proceeding;
      (c) If a majority vote of a quorum consisting of directors who
were not
parties to the action, suit or proceeding so orders, by independent
legal
counsel in a written opinion; or
      (d) If a quorum consisting of directors who were not parties to
the
action, suit or proceeding cannot be obtained, by independent legal
counsel in a
written opinion.

      2. The articles of incorporation, the bylaws or an agreement made
by the
corporation may provide that the expenses of officers and directors
incurred in
defending a civil or criminal action, suit or proceeding must be paid by
the
corporation as they are incurred and in advance of the final disposition
of the
action, suit or proceeding, upon receipt of an undertaking by or on
behalf of
the director or officer to repay the amount if it is ultimately
determined by a
court of competent jurisdiction that he is not entitled to be
indemnified by the
corporation. The provisions of this subsection do not affect any rights
to
advancement of expenses to which corporate personnel other than
directors or
officers may be entitled under any contract or otherwise by law.

      3.  The  indemnification  and  advancement  of expenses
authorized in or
ordered by a court pursuant to this section:

      (a) Does not exclude any other rights to which a person seeking
indemnification or advancement of expenses may be entitled under the
articles of
incorporation or any bylaw, agreement, vote of stockholders or
disinterested
directors or otherwise, for either an action in his official capacity or
an
action in another capacity while holding his office, except that
indemnification, unless ordered by a court pursuant to NRS 78.7502 or
for the
advancement of expenses made pursuant to subsection 2, may not be made
to or on
behalf of any director or officer if a final adjudication establishes
that his
acts or omissions involved intentional misconduct, fraud or a knowing
violation
of the law and was material to the cause of action.

      (b) Continues for a person who has ceased to be a director,
officer,
employee or agent and inures to the benefit of the heirs, executors and
administrators of such a person.

            Commission Policy

Insofar as indemnification for liabilities arising under the Securities
Act may
be permitted to directors, officers and controlling persons of the
Registrant
pursuant to the foregoing provisions, or otherwise, the Registrant has
been
advised that in the opinion of the Commission such indemnification is
against
public policy as expressed in the Securities Act and is, therefore,
unenforceable. In the event that a claim for indemnification against
such
liabilities (other than the payment by the Registrant of expenses
incurred or
paid by a director, officer or controlling person of the Registrant in
the
successful defense of any action, suit or proceeding) is asserted by
such
director, officer or controlling person in connection with the
securities being
registered, the Registrant will, unless in the opinion of its counsel
the matter
has been settled by controlling precedent, submit to a court of
appropriate
jurisdiction the question whether such indemnification by it is against
public
policy as expressed in the Securities Act and will be governed by the
final
adjudication of such issue.

ITEM 7.     EXEMPTIONS FROM REGISTRATION CLAIMED.

Not applicable.

ITEM 8.  EXHIBITS.

The Exhibits to this registration statement are listed in the index to
Exhibits
on page 8.

ITEM 9.     UNDERTAKINGS.

a)   The undersigned Registrant hereby undertakes:

     1)   To file, during any period in which offers or sales are being
made, a
          post-effective amendment to this registration statement:

          i)   to include any prospectus required by section 10(a)(3) of
the
               Securities Act of 1933, as amended;

          ii)  to reflect in the prospectus any facts or events arising
after
               the effective date of the registration statement (or the
most
               recent post-effective amendment thereof) which,
individually or
               in the aggregate, represent a fundamental change in the
               information set forth in the registration statement; and

          iii) to include any material information with respect to the
plan of
               distribution not previously disclosed in the registration
               statement or any material change to such information in
the
               registration statement.

     PROVIDED, HOWEVER, that paragraphs (a)(1)(i) and (a)(1)(ii) do not
apply if
     the information required to be included in a post-effective
amendment by
     those paragraphs is contained in periodic reports filed by the
Registrant
     pursuant to Section 13 or 15(d) of the Exchange Act that are
incorporated
     by reference in the registration statement.

     2)   That, for the purpose of determining any liability under the
          Securities Act, each such post-effective amendment shall be
deemed to
          be a new registration statement relating to the securities
offered
          therein, and the offering of such securities at that time
shall be
          deemed to be the initial bona fide offering thereof.

     3)   To remove from registration by means of a post-effective
amendment any
          of the securities being registered which remain unsold at the
          termination of the offering.

b)   The undersigned Registrant hereby undertakes that, for purposes of
     determining any liability under the Securities Act, each filing of
     Registrant's annual report pursuant to Section 13(a) or Section
15(d) of
     the Exchange Act, (and, where applicable, each filing of an
employee
     benefit plan's annual report pursuant to Section 15(d) of the
Exchange Act)
     that is incorporated by reference in the registration statement
shall be
     deemed to be a new registration statement relating to the
securities
     offered therein, and the offering of such securities at that time
shall be
     deemed to be the initial bona fide offering thereof.

c)   Insofar as indemnification for liabilities arising under the
Securities
     Act, may be permitted to directors, officers and controlling
persons of
     Registrant pursuant to the foregoing provisions, or otherwise,
Registrant
     has been advised that in the opinion of the Commission such
indemnification
     is against public policy as expressed in the Securities Act and is,
     therefore, unenforceable. In the event that a claim for
indemnification
     against such liabilities (other than the payment by Registrant of
expenses
     incurred or paid by a director, officer or controlling person of
Registrant
     in the successful defense of any action, suit or proceeding) is
asserted by
     such director, officer or controlling person in connection with the
     securities being registered, Registrant will, unless in the opinion
of its
     counsel the matter has been settled by controlling precedent,
submit to a
     court of appropriate jurisdiction the question whether such
indemnification
     by it is against public policy as expressed in the Securities Act,
and will
     be governed by the final adjudication of such issue.




<PAGE>


                                   SIGNATURES

Pursuant to the requirements of the Securities Act, the Registrant
certifies
that it has reasonable grounds to believe that it meets all of the
requirements
for filing on Form S-8 and has duly caused this Registration Statement
to be
signed on its behalf by the undersigned, thereunto duly authorized, in
the City
of Omaha, State of Nebraska, on November 1, 2002.

FINDEX.COM, INC.

By: __/s/  Steven Malone
------------------------
           Steven Malone, President
           and Chief Executive Officer

Pursuant to the requirements of the Securities Act, this registration
statement
has been signed by the following persons in the capacities and on the
dates
indicated.


Signature                  Title                              Date


_/s/ Steven Malone____     Director, Chairman of the Board,   November
1, 2002
----------------------     President
Steven P. Malone

_/s/    John Kuehne__      Director                           November
1, 2002
---------------------
John A. Kuehne

_/s/   Henry Washington__  Director                           November
4, 2002
-------------------------
Henry M. Washington

_/s/  Kirk Rowland___      Director and Chief Financial       November
4, 2002
---------------------      Officer
Kirk R. Rowland






<PAGE>


INDEX TO EXHIBITS

Exhibit Number              Description

4.1  Negotiated Settlement Agreement dated October 17, 2002, by
and
     between the Registrant and Ardt Investment Management, Inc.

5.1  Opinion of Membrado & Montell, LLP

23.1 Consent of Independent Certified Public Accountants, Chisholm &
Associates

23.2 Consent of Membrado & Montell, LLP (contained in Exhibit 5.1 to
this
     Registration Statement)

<PAGE>
[{"type": "S-8", "sequence": "1", "filename": "finds8116.txt", "description": "FINDEX S-8", "secsgml_size_bytes": 21105}]
{"company-data": {"conformed-name": "FINDEX COM INC", "cik": "0001089061", "assigned-sic": "7372", "irs-number": "880379462", "state-of-incorporation": "NV", "fiscal-year-end": "0930"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-101092", "film-number": "02813214"}, "business-address": {"street1": "11640 ARBOR ST", "street2": "STE 201", "city": "OMAHA", "state": "NE", "zip": "68144", "phone": "4023331900"}, "mail-address": {"street1": "11640 ARBOR ST", "street2": "STE 201", "city": "OMAHA", "state": "NE", "zip": "68144"}}
SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                                 --------------

                                    FORM S-8
                             REGISTRATION STATEMENT
                                      UNDER
                           THE SECURITIES ACT OF 1933

                                FINDEX.COM, INC.
             (Exact Name of Registrant as Specified in Its Charter)

              Nevada                                 88-0379462
    (State of Other Jurisdiction      (I.R.S. Employee Identification
No.)
        of Incorporation)

                             11204 Davenport Street
                                    Suite 100
                         Omaha, NE 68154 (402) 333-1900
                    (Address of Principal Executive Offices)

                         Negotiated Settlement Agreement
                            (Full Title of the Plan)

                                  Steven Malone
                      President and Chief Executive Officer
                             11204 Davenport Street
                                    Suite 100
                                 Omaha, NE 68154
                     (Name and Address of Agent For Service)

                                 (402) 333-1900
          (Telephone Number, Including Area Code, of Agent For Service)

                                   Copies to:
                            Michael M. Membrado, Esq.
                              Membrado Montell, LLP
                         535 West 34th Street, 2nd Floor
                            New York, New York 10001

                         CALCULATION OF REGISTRATION FEE
PROPOSED MAXIMUM
PROPOSED MAXIMUM
TITLE OF SECURITIES TO BE   AMOUNT TO BE      OFFERING PRICE PER
AGGREGATE          AMOUNT OF
REGISTERED                  REGISTERED        SHARE
OFFERING PRICE     REGISTRATION FEE
--------------------------- ----------------- -----------------------
------------------ --------------------
Common Stock                296,308           $0.03 (1)
$8,889.24          $0.82
--------------------------- ----------------- -----------------------
------------------ --------------------
Total                       296,308           $0.03
$8,889.24          $0.82 (2)
--------------------------- ----------------- -----------------------
------------------ --------------------
(1) Estimated solely for the purpose of determining the registration fee
in
accordance with Rule 457(c) based on the average of the bid and asked
prices of
the Common Stock as traded in the over-the-counter market and reported
on the
OTC Bulletin Board of the National Association of Securities Dealers on
November
7, 2002.

(2) The filing fee of $0.82 is offset against the $507.89 credit due to
the
Registrant based upon the withdrawn SB-2 filed with the Commission on
August 2,
2001, File No.: 333-66570, minus the fee of $27.17 used on the S-8 filed
with
the Commission on September 24, 2002, File No.: 333-100035.
PART I
              INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS

The following documents listed under this Part I and the documents
incorporated
by reference under Item 3 of Part II to this Form S-8, taken together,
constitute a prospectus that meets the requirements of Section 10(a) of
the
Securities Act of 1933, as amended (the "Securities Act"), and are
incorporated
herein by reference.

ITEM 1.     PLAN  INFORMATION.

The information required to be provided pursuant to this Item to the
participants Ronald Ardt, President - Business Investor Services, Inc.
is set
forth in the Negotiated Settlement Agreement between Findex.com, Inc.
(the
"Registrant") and Ardt Investment Management, Inc., dated October 17,
2002. See
Exhibit 4.1.

The information required to be provided pursuant to this Item to the
participants of the Employee Stock Purchase Plan will be sent or given
to the
participants in the Plan as specified by Rule 428(b)(1). Such documents
have not
been filed with the Securities and Exchange Commission (the
"Commission") either
as a part of this Registration Statement or as a prospectus or
prospectus
supplement pursuant to Rule 424 in reliance on Rule 428 under the
Securities
Act.

ITEM  2.    REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION.

Written statement required to be provided to participants pursuant to
this Item
2:

We will provide, without charge, to each participant, upon written or
oral
request of such person, a copy of any or all of the documents
incorporated by
reference in Item 3 of Park II of this Registration Statement. These
documents
are incorporated by reference in the Section 10(a) prospectus. Requests
may be
forwarded to FindEx.com, Inc., 11204 Davenport Street, Suite 100, Omaha,
NE
68154 (402) 333-1900

                                     PART II
               INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

ITEM 3.     INCORPORATION OF DOCUMENTS BY REFERENCE.

The following documents filed by the Registrant with the Commission are
incorporated herein by reference:

     (a) The Registrant's Annual Report on Form 10-KSB for the year
ended
December 31, 2001;

     (b) All other reports filed pursuant to Section 13(a) or 15(d) of
the
Securities Exchange Act of 1934 as amended (the "Exchange Act") by the
Registrant with the Commission since December 31, 2001;

     (c) The description of the Registrant's Common Stock contained in
the
Registrant's Form 8-K12G filed with the Commission on March 15, 2000 and
any
amendments of reports filed for the purpose of updating the description;
and

Any document filed by the Registrant with the Commission pursuant to
Sections
13(a), 13(c), 14 or 15(d) of the Exchange Act subsequent to the date
hereof, but
prior to the filing of a post-effective amendment to this Registration
Statement
which indicates that all shares of Common Stock registered hereunder
have been
sold or that deregisters all such shares of Common Stock then remaining
unsold,
shall be deemed to be incorporated by reference herein and to be part
hereof
from the date of filing of such documents.

ITEM 4.     DESCRIPTION OF SECURITIES.

Not applicable.

ITEM 5.  INTERESTS OF NAMED EXPERTS AND COUNSEL.

Certain legal matters with respect to the validity of the securities
registered
hereby have been passed upon for the Registrant by the law firm of
Membrado &
Montell, LLP, corporate counsel to the Registrant ("Membrado Montell").
Membrado
Montell has, in the past, received warrants to purchase an aggregate of
150,000
shares of Common Stock at an exercise price of $0.01 per share. These
warrants
expire between March 7, 2006 and May 11, 2006. In addition, Membrado
Montell is
owed $80,890.59, as of October 2, 2002, in legal fees, in connection
with which
it is currently in discussions with the Registrant to convert all or
part of
such amount to shares of Common Stock.

ITEM 6.     INDEMNIFICATION OF DIRECTORS AND OFFICERS.

Our Articles of Incorporation provide for indemnification of the
directors of
FindEx. In addition, our Bylaws provide for indemnification of our
directors,
officers, employees or agents. In general, these provisions provide for
indemnification in instances when such persons acted in good faith and
in a
manner they reasonably believed to be in or not opposed to the best
interests of
the Registrant.

In addition, Nevada law authorizes a Nevada corporation to indemnify its
officers and directors against claims or liabilities arising out of such
person's conduct as officers or directors if they acted in good faith
and in a
manner they reasonably believed to be in or not opposed to the best
interests of
the company for which they serve. Specifically, Section 78.7502 of the
Nevada
Revised Statutes (discretionary and mandatory indemnification of
officers,
directors, employees and agents: general provisions) provides as
follows:

     1. A corporation may indemnify any person who was or is a party or
is
threatened to be made a party to any threatened, pending or completed
action,
suit or proceeding, whether civil, criminal, administrative or
investigative,
except an action by or in the right of the corporation, by reason of the
fact
that he is or was a director, officer, employee or agent of the
corporation, or
is or was serving at the request of the corporation as a director,
officer,
employee or agent of another corporation, partnership, joint venture,
trust or
other enterprise, against expenses, including attorneys' fees,
judgments, fines
and amounts paid in settlement actually and reasonably incurred by him
in
connection with the action, suit or proceeding if he acted in good faith
and in
a manner which he reasonably believed to be in or not opposed to the
best
interests of the corporation, and, with respect to any criminal action
or
proceeding, had no reasonable cause to believe his conduct was unlawful.
The
termination of any action, suit or proceeding by judgment, order,
settlement,
conviction or upon a plea of nolo contendere or its equivalent, does
not, of
itself, create a presumption that the person did not act in good faith
and in a
manner which he reasonably believed to be in or not opposed to the best
interests of the corporation, and that, with respect to any criminal
action or
proceeding, he had reasonable cause to believe that his conduct was
unlawful.

     2. A corporation may indemnify any person who was or is a party or
is
threatened to be made a party to any threatened, pending or completed
action or
suit by or in the right of the corporation to procure a judgment in its
favor by
reason of the fact that he is or was a director, officer, employee or
agent of
the corporation, or is or was serving at the request of the corporation
as a
director, officer, employee or agent of another corporation,
partnership, joint
venture, trust or other enterprise against expenses, including amounts
paid in
settlement and attorneys' fees actually and reasonably incurred by him
in
connection with the defense or settlement of the action or suit if he
acted in
good faith and in a manner which he reasonably believed to be in or not
opposed
to the best interests of the corporation. Indemnification may not be
made for
any claim, issue or matter as to which such a person has been adjudged
by a
court of competent jurisdiction, after exhaustion of all appeals
therefrom, to
be liable to the corporation or for amounts paid in settlement to the
corporation, unless and only to the extent that the court in which the
action or
suit was brought or other court of competent jurisdiction determines
upon
application that in view of all the circumstances of the case, the
person is
fairly and reasonably entitled to indemnity for such expenses as the
court deems
proper.

      3. To the extent that a director, officer, employee or agent of a
corporation has been successful on the merits or otherwise in defense of
any
action, suit or proceeding referred to in subsections 1 and 2, or in
defense of
any claim, issue or matter therein, the corporation shall indemnify him
against
expenses, including attorneys' fees, actually and reasonably incurred by
him in
connection with the defense.

Nevada Revised Statutes 78.751 (Authorization required for discretionary
indemnification; advancement of expenses; limitation on indemnification
and
advancement of expenses) provides as follows:

      1. Any discretionary indemnification under NRS 78.7502 unless
ordered by a
court or advanced pursuant to subsection 2, may be made by the
corporation only
as authorized in the specific case upon a determination that
indemnification of
the director, officer, employee or agent is proper in the circumstances.
The
determination must be made:
      (a) By the stockholders;
      (b) By the board of directors by majority  vote of a quorum
consisting
of directors who were not parties to the action, suit or proceeding;
      (c) If a majority vote of a quorum consisting of directors who
were not
parties to the action, suit or proceeding so orders, by independent
legal
counsel in a written opinion; or
      (d) If a quorum consisting of directors who were not parties to
the
action, suit or proceeding cannot be obtained, by independent legal
counsel in a
written opinion.

      2. The articles of incorporation, the bylaws or an agreement made
by the
corporation may provide that the expenses of officers and directors
incurred in
defending a civil or criminal action, suit or proceeding must be paid by
the
corporation as they are incurred and in advance of the final disposition
of the
action, suit or proceeding, upon receipt of an undertaking by or on
behalf of
the director or officer to repay the amount if it is ultimately
determined by a
court of competent jurisdiction that he is not entitled to be
indemnified by the
corporation. The provisions of this subsection do not affect any rights
to
advancement of expenses to which corporate personnel other than
directors or
officers may be entitled under any contract or otherwise by law.

      3.  The  indemnification  and  advancement  of expenses
authorized in or
ordered by a court pursuant to this section:

      (a) Does not exclude any other rights to which a person seeking
indemnification or advancement of expenses may be entitled under the
articles of
incorporation or any bylaw, agreement, vote of stockholders or
disinterested
directors or otherwise, for either an action in his official capacity or
an
action in another capacity while holding his office, except that
indemnification, unless ordered by a court pursuant to NRS 78.7502 or
for the
advancement of expenses made pursuant to subsection 2, may not be made
to or on
behalf of any director or officer if a final adjudication establishes
that his
acts or omissions involved intentional misconduct, fraud or a knowing
violation
of the law and was material to the cause of action.

      (b) Continues for a person who has ceased to be a director,
officer,
employee or agent and inures to the benefit of the heirs, executors and
administrators of such a person.

            Commission Policy

Insofar as indemnification for liabilities arising under the Securities
Act may
be permitted to directors, officers and controlling persons of the
Registrant
pursuant to the foregoing provisions, or otherwise, the Registrant has
been
advised that in the opinion of the Commission such indemnification is
against
public policy as expressed in the Securities Act and is, therefore,
unenforceable. In the event that a claim for indemnification against
such
liabilities (other than the payment by the Registrant of expenses
incurred or
paid by a director, officer or controlling person of the Registrant in
the
successful defense of any action, suit or proceeding) is asserted by
such
director, officer or controlling person in connection with the
securities being
registered, the Registrant will, unless in the opinion of its counsel
the matter
has been settled by controlling precedent, submit to a court of
appropriate
jurisdiction the question whether such indemnification by it is against
public
policy as expressed in the Securities Act and will be governed by the
final
adjudication of such issue.

ITEM 7.     EXEMPTIONS FROM REGISTRATION CLAIMED.

Not applicable.

ITEM 8.  EXHIBITS.

The Exhibits to this registration statement are listed in the index to
Exhibits
on page 8.

ITEM 9.     UNDERTAKINGS.

a)   The undersigned Registrant hereby undertakes:

     1)   To file, during any period in which offers or sales are being
made, a
          post-effective amendment to this registration statement:

          i)   to include any prospectus required by section 10(a)(3) of
the
               Securities Act of 1933, as amended;

          ii)  to reflect in the prospectus any facts or events arising
after
               the effective date of the registration statement (or the
most
               recent post-effective amendment thereof) which,
individually or
               in the aggregate, represent a fundamental change in the
               information set forth in the registration statement; and

          iii) to include any material information with respect to the
plan of
               distribution not previously disclosed in the registration
               statement or any material change to such information in
the
               registration statement.

     PROVIDED, HOWEVER, that paragraphs (a)(1)(i) and (a)(1)(ii) do not
apply if
     the information required to be included in a post-effective
amendment by
     those paragraphs is contained in periodic reports filed by the
Registrant
     pursuant to Section 13 or 15(d) of the Exchange Act that are
incorporated
     by reference in the registration statement.

     2)   That, for the purpose of determining any liability under the
          Securities Act, each such post-effective amendment shall be
deemed to
          be a new registration statement relating to the securities
offered
          therein, and the offering of such securities at that time
shall be
          deemed to be the initial bona fide offering thereof.

     3)   To remove from registration by means of a post-effective
amendment any
          of the securities being registered which remain unsold at the
          termination of the offering.

b)   The undersigned Registrant hereby undertakes that, for purposes of
     determining any liability under the Securities Act, each filing of
     Registrant's annual report pursuant to Section 13(a) or Section
15(d) of
     the Exchange Act, (and, where applicable, each filing of an
employee
     benefit plan's annual report pursuant to Section 15(d) of the
Exchange Act)
     that is incorporated by reference in the registration statement
shall be
     deemed to be a new registration statement relating to the
securities
     offered therein, and the offering of such securities at that time
shall be
     deemed to be the initial bona fide offering thereof.

c)   Insofar as indemnification for liabilities arising under the
Securities
     Act, may be permitted to directors, officers and controlling
persons of
     Registrant pursuant to the foregoing provisions, or otherwise,
Registrant
     has been advised that in the opinion of the Commission such
indemnification
     is against public policy as expressed in the Securities Act and is,
     therefore, unenforceable. In the event that a claim for
indemnification
     against such liabilities (other than the payment by Registrant of
expenses
     incurred or paid by a director, officer or controlling person of
Registrant
     in the successful defense of any action, suit or proceeding) is
asserted by
     such director, officer or controlling person in connection with the
     securities being registered, Registrant will, unless in the opinion
of its
     counsel the matter has been settled by controlling precedent,
submit to a
     court of appropriate jurisdiction the question whether such
indemnification
     by it is against public policy as expressed in the Securities Act,
and will
     be governed by the final adjudication of such issue.
SIGNATURES

Pursuant to the requirements of the Securities Act, the Registrant
certifies
that it has reasonable grounds to believe that it meets all of the
requirements
for filing on Form S-8 and has duly caused this Registration Statement
to be
signed on its behalf by the undersigned, thereunto duly authorized, in
the City
of Omaha, State of Nebraska, on November 1, 2002.

FINDEX.COM, INC.

By: __/s/  Steven Malone
------------------------
           Steven Malone, President
           and Chief Executive Officer

Pursuant to the requirements of the Securities Act, this registration
statement
has been signed by the following persons in the capacities and on the
dates
indicated.

Signature                  Title                              Date

_/s/ Steven Malone____     Director, Chairman of the Board,   November
1, 2002
----------------------     President
Steven P. Malone

_/s/    John Kuehne__      Director                           November
1, 2002
---------------------
John A. Kuehne

_/s/   Henry Washington__  Director                           November
4, 2002
-------------------------
Henry M. Washington

_/s/  Kirk Rowland___      Director and Chief Financial       November
4, 2002
---------------------      Officer
Kirk R. Rowland
INDEX TO EXHIBITS

Exhibit Number              Description

4.1  Negotiated Settlement Agreement dated October 17, 2002, by
and
     between the Registrant and Ardt Investment Management, Inc.

5.1  Opinion of Membrado & Montell, LLP

23.1 Consent of Independent Certified Public Accountants, Chisholm &
Associates

23.2 Consent of Membrado & Montell, LLP (contained in Exhibit 5.1 to
this
     Registration Statement)