1

                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                   FORM 10-QSB

(Mark One)

[XX]     Quarterly report under Section 13 or 15(d) of the Securities Exchange
Act of 1934 For the quarterly period ended:  September 30, 2003

[  ]     Transition report under Section 13 or 15(d) of the Securities Exchange
Act of 1934 For the transition period from ___________ to ___________.


                           Commission File No. 0-29963

                                FINDEX.COM, INC.
        (Exact Name of Small Business Issuer as Specified in Its Charter)


                                     Nevada
                         (State or Other Jurisdiction of
                         Incorporation or Organization)


                                   88-0379462
                        (IRS Employer Identification No.)


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

                                 (402) 333-1900
                           (Issuer's Telephone Number)

                APPLICABLE ONLY TO ISSUERS INVOLVED IN BANKRUPTCY
                   PROCEEDINGS DURING THE PRECEDING FIVE YEARS

         Check whether the registrant filed all documents and reports required
to be filed by Section 12, 13 or 15(d) of the Exchange Act after the
distribution of securities under a plan confirmed by a court.

Yes ___   No ___

                      APPLICABLE ONLY TO CORPORATE ISSUERS

         State the number of shares outstanding of each of the issuer's classes
of common equity, as of the latest practicable date: 21,011,438 shares as of
November 14, 2003.

         Transitional Small Business Disclosure Format: (check one):

Yes ___   No _XX__


<PAGE>


                                     PART I
                              FINANCIAL INFORMATION

Item 1.  Financial Statements.

Registrant's financial statements are filed herewith following the signature
page.

Item 2.  Management's Discussion and Analysis or Plan of Operation.

This report on Form 10-QSB includes "forward-looking statements" within the
meaning of Section 27A of the Securities Act of 1933 and Section 21E of the
Securities Exchange Act of 1934. We identify forward-looking statements in this
report by using words or phrases such as "anticipate," "believe," "estimate,"
"expect," "intend," "may be," "objective," "plan," "predict," "project," and
"will be" and similar words or phrases, or the negative thereof. These
forward-looking statements may relate to such matters as anticipated financial
performance, future revenues or earnings, business prospects, projected
ventures, new products and services, anticipated market performance and similar
matters. The Private Securities Litigation Reform Act of 1995 provides a safe
harbor for forward-looking statements. To comply with the terms of the safe
harbor, we caution readers that a variety of factors could cause our actual
results to differ materially from the anticipated results or other expressed in
our forward-looking statements. These risks and uncertainties, many of which are
beyond our control, include (i) As of September 30, 2003, our current
liabilities exceeded our current assets by $4,157,967 and our auditors included
a "going concern" footnote in our audited financial statements for our last
fiscal year ended December 31, 2002, (ii) we are currently in arrears in the
payment of approximately $211,000 of payroll taxes, (iii) our ability to meet
our obligations under a tentative settlement agreement with The Zondervan
Corporation, (iv) the sufficiency of our existing capital resources and our
ability to raise additional capital to fund cash requirements for future
operations, (v) our ability to meet ongoing royalty payments owed, (vi) our
ability to sustain sales of major product lines, (vii) our dependence on third
parties to fulfill a significant portion of our orders, (viii) uncertainties
involved in our ability to introduce new products, (ix) our ability to retain
key executives and other personnel, (x) product returns exceed reserves, (xi)
potential infringement of the intellectual property rights of others, and (xii)
general economic conditions as well as the other risks identified under the
Section entitled "CAUTIONARY STATEMENTS AND RISK FACTORS" in our Annual Report
on Form 10-KSB for the fiscal year ended December 31, 2002. Readers are
encouraged to carefully review the risk factors contained therein.

Although we believe that the expectations reflected in these forward-looking
statements are reasonable, we cannot give any assurance that such expectations
reflected in these forward-looking statements will prove to have been correct.

We cannot guarantee any future results, levels of activity, performance or
achievements. Except as required by law, we undertake no obligation to update
any of the forward-looking statements in this Form 10-QSB after the date of this
report.

         General

We are a developer, publisher, distributor and supplier of "inspirational" and
Christian faith-based, off-the-shelf software products to individuals and
religious and other spiritual organizations including schools, churches and
other faith-based ministries. Our business plan is focused on fulfilling our
objective of becoming the premier provider of Bible study and related software
products and content to the domestic and international markets, through both
acquiring established companies and ongoing internal development of new products
and expanded content of existing products. Our religious software titles are
divided among six categories: (i) QuickVerse/Bible Study, (ii) Financial/Office
Management Products for Churches and other Christian Faith-Based Ministries,
(iii) Print & Graphic Products, (iv) Pastoral Products, (v) Children's Products,
and (vi) Language Tutorial Products.

At the retail level, we sell our software products to thousands of retail stores
across the United States, many of which are members of the Christian
Bookseller's Association ("CBA"). These stores vary from small, family-owned
Christian bookstores to large chain bookstores such as LifeWay Christian Stores,
Family Christian Stores and Berean Christian Stores. We face the continuing
challenge of reaching these stores on a consistent basis to keep them informed
of new releases, promotional offers, etc. In addition to advertising in trade
publications and maintaining visibility at CBA trade shows and events, we
believe that it is critical to be in direct personal contact with each customer
routinely in order to maintain and increase our market position. Towards that
end, our sales representatives are expected to contact each of our customers as
well as each of the 3,500 independent stores that are not yet our customers
regularly and present them with the latest in our products and promotions. We
believe our personalized approach to marketing provides us with an edge over our
competition, which we believe rely predominantly on advertising to maintain and
develop their relations with CBA customers.

In addition to retail sales, we also sell our software at the wholesale level to
a number of distributors around the world. We currently sell to distributors in
Canada, New Zealand, Australia, Malaysia, South Africa, South Korea, Germany,
the United Kingdom, Singapore and the United States. These distributors, in
turn, sell our QuickVerse/Bible study packages and our Membership Plus packages
into both Christian and large, national secular retail outlets that sell
off-the-shelf consumer software packages, such as Best Buy, CompUSA, and
Staples. In the secular retail market, we continue to be a top seller of Bible
study software and are developing additional product offerings and promotions to
grow our market share.

On the Internet level, we are currently marketing our products through our
www.quickverse.com, www.parsonschurch.com, and www.memplushome.com websites.
These sites provide customers across the United States and around the world the
ability to purchase our software. We anticipate Internet orders will continue to
increase as we expand our software product base and enhance our global marketing
efforts.

We are also marketing our products directly to the consumer through catalog,
email and other direct offerings. In the past, we utilized the strength of The
Learning Company's ("TLC") direct marketing and sales force. We are currently
experimenting with various direct marketing organizations and expanding our
efforts internally. We anticipate an increase during the upcoming year in our
direct marketing sales initiatives.

We currently fulfill all of our direct-to-consumer sales out of our warehouse
located in Omaha, Nebraska and a third-party fulfillment company, also located
in Omaha, Nebraska, fulfills our boxed retail sales.

We continue to pursue our objective of becoming the premier provider of Bible
study and related products and content to the domestic and international
markets, and to explore additional technologies, products and services that are
complementary to the affinity group we already serve. We have developed two (2)
enhanced releases of our flagship product, QuickVerse, one (1) new product
targeted mainly to the secular market, QuickVerse Essentials, one (1) new
version of QuickVerse for the Pocket PC and Palm OS hand-held market, two (2)
enhanced releases of our top financial and data management product, Membership
Plus, and one (1) new financial product, Fund Accounting Plus.

In December 2002, we released QuickVerse PDA, for Palm operating system personal
digital assistants, a software program that contains Bible translations, Bible
reference tools and scripture reading plans for users in an active, fast-paced,
mobile lifestyle. In February 2003, we released an enhanced version of Ministry
Notebook, a software program that contains essential organizational tools for
ministries such as expense tracking, contact management, scheduling, sermon and
lesson tracking, library inventory and prayer requests. We also added a
distributorship for the Veggie Tales line of software programs. Veggie Tales are
children's software programs of interactive adventures with Biblical themes. In
March 2003, we entered into a new licensing agreement, which allows us to
publish the full version of The Message. The Message, with the Old and New
Testament, is now available as an add-on product to our existing QuickVerse
users as well as to our new end user customers. In June 2003, we released an
enhanced version of the QuickVerse PDA, making it compatible on both Pocket PC
and Palm OS operating systems. In addition, we released a new title of the
QuickVerse PDA, which includes the Life Application Study Bible. In August 2003,
we released a secular version of our QuickVerse PDA title. We are currently
researching new opportunities in technology for our existing software titles and
expanding our financial product line.

         Results Of Operations

Our software products have a significant seasonality to their revenues. More
than 50% of our annual sales are expected to occur in the five months of
September through January; the five months of April through August are generally
expected to be the weakest, historically generating only about 33% of our annual
sales.

During the second quarter of 2003, the Company had a one-time, non-recurring
write down to accrued royalties of approximately $584,000. We also had a write
down of obsolete inventory approximating $32,000 during the first quarter and
approximating $29,000 during the third quarter of 2003. These non-recurring
items had no effect on the cash flow statement. Net of the non-recurring items,
our net income decreased approximately $71,000 from a net loss of approximately
$46,000 for the three months ended September 30, 2002 to a net loss of
approximately $117,000 for the three months ended September 30, 2003 and
decreased approximately $155,000 from a net income of approximately $124,000 for
the nine months ended September 30, 2002 to a net loss of approximately $31,000
for the nine months ended September 30, 2003. By excluding our interest, taxes,
depreciation, and amortization from net income, our EBITDA decreased
approximately $97,000 from a negative EBITDA of approximately ($11,000) for the
three months ended September 30, 2002 to negative EBITDA of approximately
($108,000) for the three months ended September 30, 2003 and increased
approximately $267,000 from a positive EBITDA of approximately $343,000 for the
nine months ended September 30, 2002 to a positive EBITDA of approximately
$610,000 for the nine months ended September 30, 2003. These differences include
the non-recurring items noted above. We recognized approximately $19,000 in
costs and expenses related to software development, which reduced our EBITDA,
during the three months ended September 30, 2003 and approximately $116,000
during the nine months ended September 30, 2003 compared with approximately
$16,000 during the three and nine months ended September 30, 2002. For the first
two quarters of 2003, our reserve balance reflected returns resulting from
year-end stock balancing by our secular customers and several of our CBA
customers and our actual returns. During the third quarter of 2003, we increased
our reserve for sales returns to approximately 13% of gross sales to reflect
price protections issued on the QuickVerse 7.0 titles and higher actual returns
resulting from the anticipated delivery of QuickVerse 8.0.

         Revenues

We recognize software revenue net of estimated returns and allowances for
returns, price discounts and rebates, upon shipment of product, which is when
title passes, provided that collection of the resulting receivable is probable
and we have no significant remaining obligations. Revenue from inventory out on
consignment is recognized when the consignee sells the product. Revenue
associated with advance payments from customers is deferred until products are
shipped. Revenue for software distributed electronically via the Internet is
recognized upon delivery.

During the second quarter of 2003, the Company initiated a marketing plan that
advertised the upcoming enhanced version of our flagship product, QuickVerse.
Customers were allowed to pre-order their QuickVerse 8.0 by placing a deposit
with the Company. During the nine months ended September 30, 2003, we had
received approximately $448,000 in deposits. This revenue has been deferred
until QuickVerse 8.0 ships.

Product return reserves are based upon a percentage of total retail and direct
sales for the period and may increase or decrease as actual returns are
processed. Product returns or price protection concessions that exceed our
reserves could materially adversely affect our business and operating results
and could increase the magnitude of quarterly fluctuations in our operating and
financial results. Product returns from distributors and Christian bookstores
are allowed primarily in exchange for new products or for credit towards
purchases as part of a stock-balancing program. These returns are subject to
certain limitations that may exist in the contract that we have with them. Under
certain circumstances, such as termination or when a product is defective,
distributors and bookstores could receive a cash refund if returns exceed
amounts owed. Returns from sales made directly to the consumer are accepted
within 45 days of purchase and are issued a cash refund.

Software products are sold separately, without future performance such as
upgrades or maintenance, and are sold with post contract customer support (PCS)
services, customer service and technical support assistance. In connection with
the sale of certain products, we provide a limited amount of free technical
support assistance to our customers. We do not defer the recognition of revenue
associated with sales of these products, since the cost of providing this free
technical support is insignificant. We accrue the estimated associated costs of
providing this free support upon product shipment. We also offer several plans
under which customers are charged for technical support assistance. For plans
where we collect fees in advance, we recognize revenue over the period of
service, which is generally one year.

Shipping and handling costs in connection with our software products are
expensed as incurred and included in cost of goods sold.

Gross revenues decreased approximately $144,000 from approximately $1,000,000
for the three months ended September 30, 2002 to approximately $856,000 for the
three months ended September 30, 2003, and decreased approximately $345,000 from
approximately $3,217,000 for the nine months ended September 30, 2002 to
approximately $2,872,000 for the nine months ended September 30, 2003. Such
decrease is due to the Company's introduction of our top financial and data
management product, Membership Plus, during the second quarter of 2002. The
Membership Plus title is packaged into two different versions that retail for
$99.95 and $299.95. Although there were new product releases during the first
three quarters of 2003, the retail value of the products were significantly
lower than the Membership Plus title and ranged from $19.95 to $39.95.

Historically, we have reproduced and distributed the Zondervan NIV Bible
pursuant to a content licensing agreement with The Zondervan Corporation, which
provides that we will pay a royalty fee of 10% of net sales on the stand-alone
product and $8.00 per unit on total net units of QuickVerse. The products
containing the Zondervan NIV Bible, including QuickVerse, accounted for
approximately 35% of our revenues in fiscal year 2001 but none of our revenues
during the three and nine months ended September 30, 2002 and 2003,
respectively. Due to our shortage in working capital, we are significantly in
arrears on the royalty payments due under such licensing agreement. On April 5,
2001, we received a notice from The Zondervan Corporation informing us that they
were terminating our rights to the Zondervan NIV Bible under the licensing
agreement. On October 12, 2001, Zondervan was granted a court order in the
United States District Court in the Western District of Michigan ordering FindEx
to cease selling, marketing and manufacturing any product that incorporates
Zondervan's copyrighted material. As of October 26, 2001 we reached a written
payment agreement with Zondervan whereby they would not enforce the court order
and we would continue to ship products containing Zondervan's NIV Bible. We
failed to meet our first payment obligation due to Zondervan on November 12,
2001 in accordance with the payment agreement. On November 14, 2001, Zondervan
pursued its enforcement rights under the court order by serving notice that we
cease selling, marketing and manufacturing all products containing their
copyrighted material. We are also involved in related court-ordered mediation in
connection with a claim by Zondervan for unpaid royalties, which claim we have
disputed, and which, as of November 14, 2003, had been the subject of a
tentative settlement among Zondervan, FindEx, and TLC. Although not final, the
settlement will allow us pay off an agreed-upon amount over time based on a
schedule, which we believe that we can meet. Even if a final settlement is
reached, however, there can be no assurance that we will be able to meet our
obligations thereunder and any failure on our part to meet such obligations
would have a material adverse effect on our business, operations, financial
condition and ability to operate as a going concern.

The provision for sales returns decreased approximately $30,000 from
approximately $125,000 for the three months ended September 30, 2002 to
approximately $95,000 for the three months ended September 30, 2003 and
increased approximately $20,000 from approximately $257,000 for the nine months
ended September 30, 2002 to approximately $277,000 for the nine months ended
September 30, 2003. The decrease in the provision reflects a decrease in the
accounts receivable from the three months ended September 30, 2002 to the three
months ended September 30, 2003. The Company experienced a greater amount of
product returns during the first three months of 2003, which is partly
attributable to post-Christmas stock balancing by our secular customers and
several of our CBA customers. This explains the increase in the nine months
ended September 30, 2003.

         Cost of Sales

Cost of sales consists primarily of royalties to third party providers of
intellectual property and the direct costs and manufacturing overhead required
to reproduce, package and ship the software products, and the amortized software
development costs. The direct costs and manufacturing overhead increased from
15.1% of gross revenues in 2002 to 19.7% of gross revenues in 2003. The increase
resulted directly from amortization of software development costs. We only had
two new software releases during the nine months ended September 30, 2002
resulting in very little amortization for 2002. The amortization recognized
during the nine months ended September 30, 2003 resulted from several software
releases from late 2002 and 2003. Royalties to third party providers of
intellectual property increased from 2.7% of gross revenues in 2002 to 6.9% of
gross revenues in 2003. The increase in royalties reflects the release of
QuickVerse PDA in late December 2002, and the shipment of 25,000 units of
QuickVerse 7 Essentials into secular retail in the first and second quarter of
2003.

Software development costs, consisting primarily of direct and indirect labor
and related overhead charges, capitalized during the three months ended
September 30, 2002 and 2003 were $105,035 and $152,998, respectively and during
the nine months ended September 30, 2002 and 2003 were $185,963 and $366,101,
respectively. Accumulated amortization of these development costs included in
cost of sales totaled $13,526 and $64,358 for the three months ended September
30, 2002 and 2003, respectively and $19,906 and $172,218 for the nine months
ended September 30, 2002 and 2003, respectively. The increase in both the
capitalization and amortization is a direct result of the increase in the number
of development projects.
<TABLE>
<CAPTION>
                                                 Three Months Ended                  Nine Months Ended
                                                   September 30,                       September 30,
                                                 2002              2003              2002              2003
                                              ----------     -------------     -------------     -------------
<S>                                           <C>            <C>              <C>                <C>
Beginning balance                                $74,548         $385,745              $---          $280,502
Capitalized                                      105,035          152,998           185,963           366,101
Amortized (cost of sales)                         13,526           64,358            19,906           172,218
                                              ----------     -------------     -------------     -------------
Ending balance                                  $166,057         $474,385          $166,057          $474,385
                                                ========         ========          ========          ========
Research and development expense (General and    $15,583          $18,500           $15,583          $116,294
administrative)                                 ========         ========          ========          ========
</TABLE>


         Sales, General and Administrative

Sales expenses decreased approximately $25,000 from approximately $215,000 for
the three months ended September 30, 2002 to approximately $190,000 for the
three months ended September 30, 2003 and decreased approximately $122,000 from
approximately $634,000 for the nine months ended September 30, 2002 to
approximately $512,000 for the nine months ended September 30, 2003. The
decrease is primarily due to a direct reduction in advertising costs and rebate
offers to the end user. We anticipate that our advertising costs will increase
as our revenue growth provides additional opportunity. Included in the three
month decrease is approximately an $8,000 decrease in commissions paid to the
telemarketing firm we use for our direct sales. The decrease results from a late
second quarter of 2002 product release with a high retail value. In comparison,
the Company had one new product released during the third quarter of 2003 with a
low retail value. However, commissions paid for the nine months ended September
30, 2002 and 2003 are approximately the same. We anticipate sales commissions
will increase in future quarters as we continue to expand our direct sales
efforts and as the Christmas season approaches. Included in the overall decrease
is an approximate increase of $17,000 in fulfillment expenses due to using a
third-party in Omaha, NE to fulfill our boxed retail sales. We anticipate
fulfillment costs will increase in future quarters as we continue to expand our
retail sales efforts with the introduction of new products.

Personnel costs decreased approximately $37,000 from approximately $267,000 for
the three months ended September 30, 2002 to approximately $230,000 for the
three months ended September 30, 2003 and decreased approximately $171,000 from
approximately $939,000 for the nine months ended September 30, 2002 to
approximately $768,000 for the nine months ended September 30, 2003. This
decrease is primarily from the capitalization of direct and indirect labor and
related overhead charges as software development costs (see "Cost of Sales"
above). Personnel costs were reduced by approximately $20,000 for the three
months ended September 30, 2003 and approximately $150,000 for the nine months
ended September 30, 2003 compared to approximately $50,000 for the three months
ended September 30, 2002 and approximately $101,000 for the nine months ended
September 30, 2002. Software development costs expensed as research and
development (see table above) amounted to approximately $19,000 for the three
months ended September 30, 2003 and approximately $116,000 for the nine months
ended September 30, 2003 compared to approximately $16,000 incurred during both
time periods of 2002.

Rent expense decreased approximately $17,000 during the three months ended
September 30, 2003 and approximately $46,000 for the nine months ended September
30, 2003. This decrease is attributable to the consolidation of our corporate
office and our direct fulfillment into a single facility.


         Nonrecurring Items

The Company wrote-off obsolete inventory with a carried cost totaling
approximately $32,000 during the quarter ended March 31, 2003 and approximately
$29,000 during the quarter ended September 30, 2003. These have been recognized
as an operating expense.

During the quarter ended June 30, 2003, the Company recorded an adjustment to
the balance of accrued royalties as of December 31, 2002 in the amount of
approximately $584,000. This adjustment resulted from an internal audit of the
royalty calculations as affected by the June 30, 2001, bad debt provision
totaling $2,391,000 related to net balances owed the Company by TLC. The royalty
liabilities had been accrued based on FindEx sales to TLC as originally
reported. This has been recognized as an expense recovery and included in
operating expenses.

         Amortization

Amortization of the software license was approximately the same amount for the
three months ended September 30, 2002 and 2003. However, it decreased
approximately $112,000 from approximately $154,000 for the nine months ended
September 30, 2002 to approximately $42,000 for the nine months ended September
30, 2003. During the second quarter of 2002, the Company offset the remaining
unpaid installment ($1,051,785) against the carrying value of the software
license in accordance with the terms of a tentative settlement agreement with
The Learning Company. In addition, the agreement called for the extension of the
estimated life of the license from 10 years to 50 years.

         Income Tax Benefits

Our effective tax rate differs from the statutory federal rate due to
differences between income and expense recognition prescribed by the Internal
Revenue Code and Generally Accepted Accounting Principles. We utilize different
methods and useful lives for depreciating property and equipment. Amortization
of the software license agreement is on a straight-line basis over the estimated
useful life for financial reporting while deductible when paid for income tax
purposes. Changes in estimates (reserves) are recognized as expense for
financial reporting but are not deductible for income tax purposes.

We have recognized a net deferred tax asset whose realization depends on
generating future taxable income. Because of this uncertainty, we have recorded
a valuation allowance to offset the net deferred tax asset. The resulting
deferred tax liability reflects income taxes payable in future periods on the
net deductible differences related to the software license agreement. We
currently have net operating loss carryforwards, for income tax purposes, of
approximately $10,026,000. The carryforwards are the result of income tax losses
generated in 1996 ($50,000 expiring in 2011), 1997 ($77,000 expiring in 2012),
1998 ($54,000 expiring in 2018), 2000 ($4,418,000 expiring in 2020), 2001
($5,191,000 expiring in 2021) and 2002 ($236,000 expiring in 2022). We will need
to achieve a minimum annual taxable income, before deduction of operating loss
carryforwards, of approximately $510,000 to fully utilize the current loss
carryforwards. We believe this is achievable through continued careful expense
management and introduction of new products and enhanced Versions of our
existing products.

Management expects the deductible temporary differences (reserves) to reverse
sometime beyond the next fiscal year.

         Liquidity and Capital Resources

To date, we have funded our purchase of the Parsons Church Division primarily
through operations. Since inception, we have raised approximately $2,250,000 in
net proceeds from equity financings to fund acquisition and working capital
needs.

As of September 30, 2003, we had approximately $525,000 in current assets,
$4,683,000 in current liabilities and a retained deficit of $9,293,000. These
factors continue to create an uncertainty about our ability to continue as a
going concern. We had net loss of approximately $145,000 for the three months
ended September 30, 2003.

Net cash provided by operating activities was approximately $316,000 and
approximately $467,000 for the nine months ended September 30, 2002 and 2003,
respectively. This increase in cash from operating activities results primarily
from two items. One, we have received deposits in advance for a future product
release of which the revenue has been deferred until the product ships. Two, we
have decreased the amount of cash paid on prior debts to our suppliers because
we have refocused our cash payments towards development (see investing
activities below). The 2003 interest received and income taxes refunded result
from a 1999 refund claim with the State of Nebraska.

Net cash used by investing activities was approximately $234,000 and
approximately $405,000 for the nine months ended September 30, 2002 and 2003,
respectively. The increase in cash used for investing activities results from
capitalizing costs associated with software development and upgrading our
website to expand our e-commerce capability.

Net cash used by financing activities was approximately $65,000 and
approximately $13,000 for the nine months ended September 30, 2002 and 2003,
respectively. Cash used by financing activities reflects proceeds from our
accounts receivable line of credit, payments made on debt obligations, and the
2002 refund of the 2000 investment of Thomas Ardt and Betty Wolfe.

         Zondervan Claim

As discussed above, we are currently involved in court-ordered mediation in
connection with Zondervan's claim for unpaid royalties, which amount we have
disputed and in connection with which a tentative settlement has been reached
among Zondervan, FindEx, and TLC. Although not final, the settlement will allow
us to pay off an agreed-upon amount over time based on a schedule, which we
believe that we can meet. Even if a final settlement is reached, however, there
can be no assurance that we will be able to meet our obligations thereunder and
any failure on our part to meet such obligations would have a material adverse
effect on our business, operations, financial condition and ability to operate
as a going concern.

         Threatened Litigation By Swartz Private Equity

On June 6, 2001, we entered into an Equity Line Investment Agreement (the
"Equity Line Agreement") with Swartz Private Equity, LLC ("Swartz"). In
accordance with its terms, the Equity Line Agreement entitled us to issue and
sell up ("Put") to $15 million of our common stock to Swartz, subject to a
formula based on our stock price and trading volume, from time to time over a
three year period (the "Equity Line") following the effectiveness of a shelf
registration statement that we were to have filed in connection with this
transaction (the "Equity Line Registration Statement").

Among many other terms, the Equity Line Agreement provided that if we failed to
Put at least $500,000 worth of common stock to Swartz during the first year
after the effective date of the Equity Line Registration Statement, and
$1,000,000 during each one-year period following thereafter, we would be
required to pay Swartz an annual non-usage fee. Under the Equity Line Agreement,
this non-usage fee would equal the difference between $100,000 and 10% of the
value of the shares of common stock that we Put to Swartz during the one-year
period, and would be due and payable each year in cash within five (5) business
days of the date it was accrued.

Although the Equity Line Agreement provided that it could be terminated by us at
any time upon notice to Swartz, it also provided that, in the event of any such
termination by us, we would be required to pay Swartz the greater of (i) the
non-usage fee described above, or (ii) the difference between $150,000 and 10%
of the value of the shares of common stock Put to Swartz during all Puts to date
as of that time. Further, any such termination would not affect any other
obligations we had under either the Equity Line Agreement or any related
agreement. Among other related agreements, this included (i) a six-year warrant
granted to Swartz by us to purchase 510,000 shares of our common stock at $0.23
per share, which warrant was issued as partial consideration for entering into
the Equity Line Agreement (the "Commitment Warrant"), and (ii) a certain
anti-dilution agreement that applied, among other things, to the Commitment
Warrant (the "Warrant Anti-Dilution Agreement").

On August 2, 2001, and in accordance with its obligation under the Equity Line
Agreement, we filed the Equity Line Registration Statement. Because our stock
price collapsed shortly thereafter to a point at which any use of the Equity
Line became prohibitively expensive in the determination of the FindEx Board
(because the price Swartz was to pay was tied to the stock price), after a long
period of waiting and hoping for a rebound or other meaningful increase in the
trading price of our common stock, on August 26, 2002, the Registration
Statement was officially withdrawn. That same day, we provided notice of
termination of the Equity Line Agreement to Swartz. Because the SEC never
declared the Equity Line Registration Statement effective, the Equity Line never
became operative, and no amount was ever drawn by us paid there under.

On September 6, 2002, Swartz provided notice to us that it was making a demand
under the Equity Line Agreement for the termination fee provided there under. In
accordance with Swartz's calculations, they were owed $150,000 payable in cash
or common stock within 10 days of the termination. At the time of such notice,
and had such amount been paid in common stock, it would have required 3.75
million shares. Shortly thereafter, such claim rose to over 9 million shares. In
addition, Swartz further demanded another warrant for an additional 219,127
shares of our common stock pursuant to the Commitment Warrant and the Warrant
Anti-Dilution Agreement. Although certain settlement discussions have ensued, at
this point, the prospects for settlement seem highly uncertain. There can be no
assurance that this matter will be able to be settled on terms that will not
have a direct or indirect material adverse effect on our liquidity and financial
condition. Further, if litigated, there can be no assurance that (i) the
resources devoted to defending any such claim will not have a negative impact on
FindEx's ability to manage other aspects of its business, and (ii) any outcome
thereof will not have a direct or indirect material adverse effect on our
liquidity and financial condition. In either case, any result that obligates
FindEx to make any payment to Swartz in the form of common shares as opposed to
cash (which FindEx may simply be unable to pay) would have a dilutive effect on
the shareholdings of all other FindEx shareholders, which, depending on the
value attributable to such stock in any such circumstance, could be potentially
very significant.

Item 3.  Controls and Procedures.

         (a)      Evaluation of Disclosure Controls and Procedures.

Based on their most recent evaluation of our disclosure controls and procedures,
which was completed within 90 days of the filing of this Form 10-QSB, the
Company's Chief Executive Officer and Chief Financial Officer have concluded
that our disclosure controls and procedures (as defined in Exchange Act Rules
13a-14(c) and 15d-14(c)) are effective.

         (b)      Changes In Internal Controls

                     Formation of Disclosure Controls and Procedures Officer
                     Committee

The Disclosure Controls and Procedures Officer Committee (the "Disclosure Policy
Committee") was formed in September of 2002 and charged with the responsibility
for considering the materiality of information and determining disclosure
obligations on a timely basis. The Disclosure Policy Committee has implemented
disclosure controls and procedures that meet the standards established by the
new rules. These controls and procedures will be reviewed and adopted by the
Audit Committee of our Board of Directors.

                     Control and Procedures

It is expected that the Disclosure Policy Committee will meet on or about the
60th day of the quarter. Members are to provide information that is documented
within the Quarterly Control and Procedures Report. This report will contain
attestations and, where applicable, documentation, in regard to the following:

o        The Fact that Internal Controls Have Been Reviewed Within the Past 90
         Days
o        Any Concerns Regarding Weaknesses in Internal Control
o        Any Concerns Relating To Events that May Require Disclosure
o        Any Concerns Relating To Internal Fraud/Defalcation
o        Potential Material Losses
o        New Off-Balance Sheet Arrangements
o        Material Amounts Not Reflected on the General Ledger

The Quarterly Control and Procedures Report is to be completed, signed and
presented to the CEO and CFO prior to completing the first draft of each
quarterly 10-QSB. Because material issues may occur between regularly scheduled
quarterly meetings, this report is to be generated by the Disclosure Policy
Committee appropriate Officers at anytime when warranted. The CEO and CFO will
consult with our Disclosure Policy Committee to determine any action that is
necessary.

Other than as set forth above, there were no significant changes in our internal
controls or in other factors that could significantly affect these controls
subsequent to the date of their evaluation, including any corrective actions
with regard to significant deficiencies and/or material weaknesses.

                                     PART II
                                OTHER INFORMATION

Item 1.  Legal Proceedings

A tentative settlement has been reached among the parties in connection with our
ongoing court-ordered mediation with Zondervan relating to their claim for
unpaid royalties. Although not final, the settlement will allow us to pay off an
agreed-upon amount over time based on a schedule, which we believe that we can
meet. Even if a final settlement is reached, however, there can be no assurance
that we will be able to meet our obligations thereunder and any failure on our
part to meet such obligations would have a material adverse effect on our
business, operations, financial condition and ability to operate as a going
concern.

Item 2.    Changes In Securities and Use of Proceeds.

On July 25, 2003, the Company issued 250,000 common shares to an employee as
settlement of a 2002 signing bonus. These shares were valued at $.04 per share,
the value on the date the settlement was accepted by the employee.

On July 25, 2003, the Company issued a total of 600,000 common shares to the
external Board of Directors as their annual compensation. These shares were
valued at $.045 per share.

On July 25, 2003, the Company issued a total of 150,000 common shares to three
independent contractors as a bonus for their performance on our software
development projects. These shares were valued at $.045 per share.

 On July 25, 2003, the Company issued a total of 200,000 common shares to an
independent contractor for past and future performance on preparing written
corporate materials. These shares were valued at $.045 per share.

Item 3.    Defaults Upon Senior Securities.

         Zondervan

As discussed above, we are currently involved in court-ordered mediation in
connection with Zondervan's claim for unpaid royalties, which amount we have
disputed and in connection with which a tentative settlement has been reached
among Zondervan, FindEx, and TLC. Although not final, the settlement will allow
us to pay off an agreed-upon settlement amount over time based on a schedule,
which we believe that we can meet. Even if a final settlement is reached,
however, there can be no assurance that we will be able to meet our obligations
thereunder and any failure on our part to meet such obligations would have a
material adverse effect on our business, operations, financial condition and
ability to operate as a going concern.

         Swartz Private Equity

On June 6, 2001, we entered into an Equity Line Investment Agreement (the
"Equity Line Agreement") with Swartz Private Equity, LLC ("Swartz"). In
accordance with its terms, the Equity Line Agreement entitled us to issue and
sell up ("Put") to $15 million of our common stock to Swartz, subject to a
formula based on our stock price and trading volume, from time to time over a
three year period (the "Equity Line") following the effectiveness of a shelf
registration statement that we were to have filed in connection with this
transaction (the "Equity Line Registration Statement").

Among many other terms, the Equity Line Agreement provided that if we failed to
Put at least $500,000 worth of common stock to Swartz during the first year
after the effective date of the Equity Line Registration Statement, and
$1,000,000 during each one-year period following thereafter, we would be
required to pay Swartz an annual non-usage fee. Under the Equity Line Agreement,
this non-usage fee would equal the difference between $100,000 and 10% of the
value of the shares of common stock that we Put to Swartz during the one-year
period, and would be due and payable each year in cash within five (5) business
days of the date it was accrued.

Although the Equity Line Agreement provided that it could be terminated by us at
any time upon notice to Swartz, it also provided that, in the event of any such
termination by us, we would be required to pay Swartz the greater of (i) the
non-usage fee described above, or (ii) the difference between $150,000 and 10%
of the value of the shares of common stock Put to Swartz during all Puts to date
as of that time. Further, any such termination would not affect any other
obligations we had under either the Equity Line Agreement or any related
agreement. Among other related agreements, this included (i) a six-year warrant
granted to Swartz by us to purchase 510,000 shares of our common stock at $0.23
per share, which warrant was issued as partial consideration for entering into
the Equity Line Agreement (the "Commitment Warrant"), and (ii) a certain
anti-dilution agreement that applied, among other things, to the Commitment
Warrant (the "Warrant Anti-Dilution Agreement").

On August 2, 2001, and in accordance with its obligation under the Equity Line
Agreement, we filed the Equity Line Registration Statement. Because our stock
price collapsed shortly thereafter to a point at which any use of the Equity
Line became prohibitively expensive in the determination of the FindEx Board
(because the price Swartz was to pay was tied to the stock price), after a long
period of waiting and hoping for a rebound or other meaningful increase in the
trading price of our common stock, on August 26, 2002, the Registration
Statement was officially withdrawn. That same day, we provided notice of
termination of the Equity Line Agreement to Swartz. Because the SEC never
declared the Equity Line Registration Statement effective, the Equity Line never
became operative, and no amount was ever drawn by us paid there under.

On September 6, 2002, Swartz provided notice to us that it was making a demand
under the Equity Line Agreement for the termination fee provided there under. In
accordance with Swartz's calculations, they were owed $150,000 payable in cash
or common stock within 10 days of the termination. At the time of such notice,
and had such amount been paid in common stock, it would have required 3.75
million shares. Shortly thereafter, such claim rose to over 9 million shares. In
addition, Swartz further demanded another warrant for an additional 219,127
shares of our common stock pursuant to the Commitment Warrant and the Warrant
Anti-Dilution Agreement. Although certain settlement discussions have ensued, at
this point, the prospects for settlement seem highly uncertain. There can be no
assurance that this matter will be able to be settled on terms that will not
have a direct or indirect material adverse effect on our liquidity and financial
condition. Further, if litigated, there can be no assurance that (i) the
resources devoted to defending any such claim will not have a negative impact on
FindEx's ability to manage other aspects of its business, and (ii) any outcome
thereof will not have a direct or indirect material adverse effect on our
liquidity and financial condition. In either case, any result that obligates
FindEx to make any payment to Swartz in the form of common shares as opposed to
cash (which FindEx may simply be unable to pay) would have a dilutive effect on
the shareholdings of all other FindEx shareholders, which, depending on the
value attributable to such stock in any such circumstance, could be potentially
very significant.

Item 6.  Exhibits and Reports On Form 8-K

(a)  Exhibits

     99.1 Certification  of Findex.com,  Inc. Chief  Executive  Officer,  Steven
          Malone, pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.

     99.2 Certification  of  Findex.com,  Inc.  Chief  Financial  Officer,  Kirk
          Rowland, pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.

     99.3 Certification  of Findex.com,  Inc. Chief  Executive  Officer,  Steven
          Malone, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

     99.4 Certification  of  Findex.com,  Inc.  Chief  Financial  Officer,  Kirk
          Rowland, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

(b)  Reports on Form 8-K filed during the three months ended September 30, 2003:

         None.

<PAGE>


                                   SIGNATURES

         In accordance with the requirements of the Securities Exchange Act of
1934, the Registrant caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.

                                   FINDEX.COM, INC.



  Date:   November 14, 2003                /s/ Steven Malone
                                           -----------------
                                               Steven Malone
                                               President & Chief
                                               Executive Officer


  Date:   November 14, 2003                /s/ Kirk Rowland
                                           ------------------
                                               Kirk Rowland, CPA
                                               Chief Financial Officer



<PAGE>


                                FindEx.com, Inc.
                      CONDENSED CONSOLIDATED BALANCE SHEET
                               September 30, 2003
                                   (UNAUDITED)


                                     ASSETS
CURRENT ASSETS
       Cash and cash equivalents
            Unrestricted cash                                       $     19,046
            Restricted cash                                               69,219
                                                                     -----------
                  Total cash and cash equivalents                         88,265
       Accounts receivable, trade                                        141,173
       Inventories (Note 2)                                              252,700
       Other current assets                                               42,464
                                                                     -----------
            TOTAL CURRENT ASSETS                                         524,602
                                                                     -----------
PROPERTY AND EQUIPMENT, net                                               68,507
                                                                     -----------
OTHER ASSETS
       Software license, net                                           2,516,147
       Capitalized software development costs, net                       474,385
       Other assets                                                       58,610
                                                                     -----------
            TOTAL OTHER ASSETS                                         3,049,142
                                                                     -----------
            TOTAL ASSETS                                            $  3,642,251
                                                                         =======

                      LIABILITIES AND STOCKHOLDERS' EQUITY

CURRENT LIABILITIES
       Notes payable (Note 3)                                       $    749,999
       Current maturities of long-term note payable (Note 4)             140,008
       Accrued royalties                                               1,616,556
       Accounts payable                                                  681,594
       Rebates payable                                                   365,056
       Payroll taxes payable                                             210,393
       Other current liabilities                                         918,963
                                                                     -----------
            TOTAL CURRENT LIABILITIES                                  4,682,569
                                                                     -----------
LONG-TERM LIABILITIES
       Long-term note payable (Note 4)                                    92,537
       Non-current deferred taxes                                      1,058,794
                                                                     -----------
            TOTAL LONG-TERM LIABILITIES                                1,151,331
                                                                     -----------
STOCKHOLDERS' EQUITY (Note 5)
       Preferred stock, Series A, $.001 par value, 5,000,000
            shares authorized, 11,400 shares issued and outstanding           11
       Preferred stock, Series B, $.001 par value, 5,000,000
            shares authorized, 40,000 shares issued and outstanding           40
       Common stock, $.001 par value, 50,000,000 shares
            authorized, 21,011,438 shares issued and outstanding          21,011
       Paid-in capital                                                 7,080,629
       Retained (deficit)                                            (9,293,340)
                                                                     -----------
            TOTAL STOCKHOLDERS' EQUITY                               (2,191,649)
                                                                     -----------
            TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY              $  3,642,251
                                                                      ==========


              The accompanying notes are an integral part of these
                             financial statements.

<PAGE>


                                FindEx.com, Inc.
      CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS AND RETAINED DEFICIT
                                   (UNAUDITED)
<TABLE>
<CAPTION>
                                                   THREE MONTHS ENDED                     NINE MONTHS ENDED
                                                       SEPTEMBER 30,                          SEPTEMBER 30,
                                                  2002               2003               2002                2003
                                                -------------    ---------------    ---------------     ---------------
<S>                                          <C>               <C>                 <C>               <C>
REVENUES, net of reserves and allowances      $  873,705      $      756,489     $    2,932,466     $    2,588,820

COST OF SALES                                    233,360             223,133            572,201            709,772
                                                ------------     --------------     --------------      --------------
GROSS PROFIT                                     640,345             533,356          2,360,265          1,879,048
                                                ------------     --------------     --------------      --------------
OPERATING EXPENSES
      Sales                                      214,571             189,839            633,964            511,726
      General and administrative                 436,868             420,188          1,383,640          1,289,237
      Nonrecurring items (Note 6)                    ---              28,900                ---          (522,836)
      Bad debt expense                               ---               4,893                ---              4,893
      Amortization expense                        14,362              13,852            154,295             42,066
      Depreciation expense                        13,156              11,060             29,803             32,593
                                                ------------     --------------     --------------      --------------
         TOTAL OPERATING EXPENSES                678,957             668,732          2,201,702          1,357,679
                                                ------------     --------------     --------------      --------------
EARNINGS (LOSS) FROM OPERATIONS                 (38,612)           (135,376)            158,563            521,369
                                                ------------     --------------     --------------      --------------
OTHER INCOME (EXPENSES)
      Interest income                                 11                 ---                 54              9,727
      Other income                                   ---               2,852                ---              3,837
      Gain on sale of assets                         137                 ---                137                ---
      Interest expense                          (25,233)            (21,516)           (89,379)           (68,597)
                                                ------------     --------------     --------------      --------------
         NET OTHER INCOME (EXPENSES)            (25,085)            (18,664)           (89,188)           (55,033)
                                                ------------     --------------     --------------      --------------
NET INCOME (LOSS) BEFORE INCOME TAXES           (63,697)           (154,040)             69,375            466,336

      INCOME TAXES (NOTE 7)                       18,000               8,700             54,000             26,100
                                                ------------     --------------     --------------      --------------
NET INCOME (LOSS)                             $ (45,697)      $    (145,340)            123,375            492,436
                                                ========           =========
RETAINED DEFICIT AT BEGINNING OF YEAR                                               (10,002,755)        (9,785,776)
                                                                                    --------------      --------------
      RETAINED DEFICIT AT END OF PERIOD                                          $  (9,879,380)      $  (9,293,340)
                                                                                      =========          =========

NET EARNINGS (LOSS) PER SHARE (Note 8)
      Basic                                   $   (0.00)      $       (0.01)     $         0.01      $        0.02
                                                ========           =========          =========          =========
      Diluted                                 $   (0.00)      $       (0.01)     $         0.01      $        0.02
                                                ========           =========          =========          =========

WEIGHTED NUMBER OF SHARES OUTSTANDING
      Basic                                   19,430,789          21,011,438         16,891,916         20,211,438
                                               =========           =========          =========          =========
      Diluted                                 21,564,789          23,145,438         19,025,916         22,345,438
                                               =========           =========          =========          =========
</TABLE>


              The accompanying notes are an integral part of these
                             financial statements.


<PAGE>





                                FindEx.com, Inc.
                 CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS
                                   (UNAUDITED)
<TABLE>
<CAPTION>
                                                                              NINE MONTHS ENDED
                                                                                 SEPTEMBER 30,
                                                                           2002                 2003
                                                                       ------------        -------------
<S>                                                                    <C>                <C>
CASH FLOWS FROM OPERATING ACTIVITIES
       Cash received from customers                                       2,928,098    $       3,092,147
       Cash paid to suppliers and employees                             (2,569,476)          (2,661,410)
       Other operating receipts                                                 ---                3,837
       Interest paid                                                       (42,660)             (25,035)
       Interest received                                                         54                9,727
       Income taxes paid                                                        ---               47,950
                                                                       ------------         ------------
           NET CASH PROVIDED BY OPERATING ACTIVITIES                        316,016              467,216
                                                                       ------------         ------------
CASH FLOWS FROM INVESTING ACTIVITES
       Acquisition of property and equipment                               (43,581)              (8,047)
       Proceeds from sale of property and equipment                           4,000                  ---
       Deposits paid                                                        (6,208)                (500)
       Software development costs                                         (185,963)            (366,101)
       Website development costs                                            (2,452)             (30,373)
                                                                       ------------         ------------
           NET CASH USED BY INVESTING ACTIVITIES                          (234,204)            (405,021)
                                                                       ------------         ------------
CASH FLOWS FROM FINANCING ACTIVITIES
       Proceeds (payments) from (on) to line of credit, net                 (4,682)               24,918
       Refund on stock subscription                                        (25,000)                  ---
       Payments made on long-term note payable                             (34,865)             (37,499)
                                                                       ------------         ------------
           NET CASH USED BY FINANCING ACTIVITES                            (64,547)             (12,581)
                                                                       ------------         ------------
NET INCREASE IN CASH AND CASH EQUIVALENTS                                    17,265               49,614

CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD                                7,140               38,651
                                                                       ------------         ------------
           CASH AND CASH EQUIVALENTS, END OF PERIOD                          24,405    $          88,265
                                                                            =======              =======
RECONCILIATION OF NET INCOME TO CASH FLOWS FROM OPERATING ACTIVITIES
       Net income                                                           123,375    $         492,436
       Adjustments to reconcile net income to net cash
           provided by operating activities:
                Depreciation & amortization                                 184,098               74,659
                Provision for bad debts                                         ---                4,893
                Software development costs amortized                         19,906              172,217
                Stock issued for services                                   155,932               52,750
                Gain on sale of property and equipment                        (137)                  ---
                Changes in assets and liabilities:
                    Decrease in accounts receivable                         153,480               82,175
                    Decrease in refundable income taxes                         ---               47,950
                    Decrease in inventories                                 278,946              164,000
                    (Increase) in prepaid expenses                         (16,461)              (3,716)
                    (Decrease) in accounts payable                        (304,885)            (324,916)
                    (Decrease) in deferred taxes                           (54,000)             (26,100)
                    Increase (decrease) in accrued royalties                  8,728            (514,057)
                    Increase (decrease) in other liabilities              (232,966)              244,925
                                                                       ------------         ------------
           NET CASH PROVIDED BY OPERATING ACTIVITIES                  $     316,016    $         467,216
                                                                            =======              =======
</TABLE>

              The accompanying notes are an integral part of these
                             financial statements.

<PAGE>


                                FindEx.com, Inc.
              NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS
                               September 30, 2003
                                   (Unaudited)

NOTE 1 - BASIS OF PRESENTATION

The accompanying unaudited condensed consolidated financial statements have been
prepared in accordance with generally accepted accounting principles for interim
financial information and with the instructions to Form 10-QSB and Item 310 of
Regulation S-B. Accordingly, they do not include all of the information and
footnotes required by generally accepted accounting principles for complete
financial statements. The accompanying unaudited condensed consolidated
financial statements reflect all adjustments that, in the opinion of management,
are considered necessary for a fair presentation of the financial position,
results of operations, and cash flows for the periods presented. The results of
operations for such periods are not necessarily indicative of the results
expected for the full fiscal year or for any future period. The accompanying
financial statements should be read in conjunction with the audited consolidated
financial statements of FindEx.com, Inc. included in our Form 10-KSB for the
fiscal year ended December 31, 2002.

Software Development Costs

In accordance with SFAS No. 86, Accounting for the Costs of Computer Software to
Be Sold, Leased, or Otherwise Marketed, software development costs are expensed
as incurred until technological feasibility has been established, at which time
such costs are capitalized until the product is available for general release to
customers. Capitalized costs are amortized on a product-by-product basis using
the greater of the straight-line method over the estimated product life or on
the ratio of current revenues to total projected product revenues. The Company
generally considers technological feasibility is established with the release of
a beta version for testing. Total capitalized software development costs at
September 30, 2003 were $723,639, less accumulated amortization of $249,254.
Research and development costs incurred and charged to expense were $18,500 and
$15,583 for the three months ended September 30, 2003 and 2002, respectively and
$116,294 and $15,583 for the nine months ended September 30, 2003 and 2002,
respectively.

NOTE 2 - INVENTORIES

At September 30, 2003, inventories consisted of the following:

     Raw materials         $53,000
     Finished goods        199,700
                          --------
                          $252,700
                           =======

NOTE 3 - NOTES PAYABLE

At September 30, 2003, notes payable consisted of the following:
<TABLE>
<S>                                                                                   <C>
Unsecured demand note payable to a corporation, with interest at 9%.                   $650,000

Note payable to a corporation,  due on demand,  with interest compounded monthly
at 1.5%.  Unsecured.  Convertible  at the  option  of the  holder  into  660,000
restricted common shares.                                                                33,333

Note payable to a corporation,  due on demand,  with interest compounded monthly
at 1.5%.  Unsecured.  Convertible  at the  option  of the  holder  into  660,000
restricted common shares.                                                                33,333

Note payable to a corporation,  due on demand,  with interest compounded monthly
at 1.5%.  Unsecured.  Convertible  at the  option  of the  holder  into  660,000
restricted common shares.                                                                33,333
                                                                                      ---------
                                                                                       $749,999
                                                                                        =======
</TABLE>

NOTE 4 - LONG-TERM NOTES PAYABLE

On January 31, 2002, the Company refinanced $154,468 of trade accounts payable
by issuing a long-term note payable to a corporation. The term note is unsecured
and due October 2004 in monthly installments of $5,285, including interest at
8%.

On September 25, 2003, the Company refinanced $164,000 of trade accounts payable
by issuing a long-term note payable to a corporation. The term note is secured
by inventory and due December 2005 in monthly installments of $6,833, including
interest at 8%.

Principal maturities at September 30, 2003 are as follows:

     September 30
       2004           $140,008
       2005             92,537
                     ---------
                      $232,545
                       =======

NOTE 5 - STOCKHOLDERS' EQUITY

On July 25, 2003, the Company issued 250,000 common shares to an employee as
settlement of a 2002 signing bonus. These shares were valued at $.04 per share,
the value on the date the settlement was accepted by the employee.

On July 25, 2003, the Company issued a total of 600,000 common shares to the
external Board of Directors as their annual compensation. These shares were
valued at $.045 per share.

On July 25, 2003, the Company issued a total of 150,000 common shares to three
independent contractors as a bonus for their performance on our software
development projects. These shares were valued at $.045 per share.

 On July 25, 2003, the Company issued a total of 200,000 common shares to an
independent contractor for past and future performance on preparing written
corporate materials. These shares were valued at $.045 per share.

NOTE 6 - NONRECURRING ITEMS

APB Opinion No. 30 requires material events or transactions that are either
unusual or infrequent, but not both, to be presented in the income statement as
separate elements of income from continuing operations.

During the periods ended March 31 and September 30, 2003, the Company wrote-off
obsolete inventory with a carried cost totaling $31,892 and $28,900,
respectively. These have been recognized as an expense.

During the quarter ended June 30, 2003, the Company recorded an adjustment to
the balance of accrued royalties as of December 31, 2002 in the amount of
$583,628. This adjustment resulted from an internal audit of the royalty
calculations as affected by the product sales provided by TLC during the second
quarter of 2001. These reduced sales numbers also resulted in the June 30, 2001
bad debt provision totaling $2,391,000 from net balances owed the Company by
TLC. The royalty liabilities had been accrued based on FindEx sales to TLC as
originally reported. This has been recognized as an expense recovery and
included in operating expenses.

NOTE 7 - INCOME TAXES

The benefit for taxes on income for the three and nine months ended September 30
consisted of the following:
<TABLE>
<CAPTION>
                                               Three Months Ended September 30,     Nine Months Ended September 30,
                                              -----------------------------------   --------------------------------
                                                    2002               2003              2002              2003
                                               -------------       -------------     -------------     -------------
<S>                                             <C>               <C>                <C>               <C>
     Current:
          Federal                                      $ ---              $ ---             $ ---             $ ---
          State                                          ---                ---               ---               ---
                                                 -----------         -----------      -----------       -----------
                                                         ---                ---               ---               ---
                                                 -----------         -----------      -----------       -----------
     Deferred:
          Federal                                     14,500               7,500           43,400            22,500
          State                                        3,500               1,200           10,600             3,600
                                                 -----------         -----------      -----------       -----------
                                                      18,000               8,700           54,000            26,100
                                                 -----------         -----------      -----------       -----------
     Total tax benefit                               $18,000              $8,700          $54,000           $26,100
                                                     =======             =======          =======           =======
</TABLE>


The reconciliation of income tax computed at statutory rates of income tax
benefits is as follows:

     Expense at Federal statutory rate - 34%        $158,554
     State tax effects                               (3,600)
     Nondeductible expenses                            2,026
     Taxable temporary differences                   (2,040)
     Deductible temporary differences               (63,837)
     Deferred tax asset valuation allowance        (117,203)
                                                 -----------
     Income tax benefit                            ($26,100)
                                                     =======

NOTE 8 - EARNINGS PER COMMON SHARE

Earnings per common share are computed by dividing net income (loss) by the
weighted average number of common shares and common stock equivalents
outstanding during the year. Common stock equivalents are the net additional
number of shares that would be issuable upon the exercise of the outstanding
common stock options, assuming that the Company reinvested the proceeds to
purchase additional shares at market value. A total of 4,483,200 potentially
dilutive securities for the three and nine months ended September 30, 2003 and
2002, respectively, have been excluded from the computation of diluted earnings
per share, as their inclusion would be anti-dilutive.

The following table shows the amounts used in computing earnings per share and
the effect on income (loss) and the average number of shares of dilutive
potential common stock:

Three months ended September 30                    2002                 2003
                                                -----------      ---------------
Net Loss                                          $(45,697)           $(145,340)
Preferred stock dividends                               ---                  ---
                                                -----------        -------------
Net loss available to common shareholders         $(45,697)           $(145,340)
                                                   ========             ========
Basic weighted average shares outstanding        19,430,789           21,011,438
Dilutive effect of:
       Stock options                                    ---                  ---
       Convertible notes payable                  1,980,000            1,980,000
       Convertible preferred series A               114,000              114,000
       Convertible preferred series B                40,000               40,000
       Warrants                                         ---                  ---
                                                -----------        -------------
Diluted weighted average shares outstanding      21,564,789           23,145,438
                                                   ========             ========
Loss per share:
       Basic                                        $(0.00)              $(0.01)
                                                   ========             ========
       Diluted                                      $(0.00)              $(0.01)
                                                   ========             ========


Nine months ended September 30                      2002                 2003
                                                -----------      ---------------
Net Income                                         $123,375             $492,436
Preferred stock dividends                               ---                  ---
                                                -----------        -------------
Net income available to common shareholders        $123,375             $492,436
                                                   ========             ========
Basic weighted average shares outstanding        16,891,916           20,211,438
Dilutive effect of:
       Stock options                                    ---                  ---
       Convertible notes payable                  1,980,000            1,980,000
       Convertible preferred series A               114,000              114,000
       Convertible preferred series B                40,000               40,000
       Warrants                                         ---                  ---
                                                -----------        -------------
Diluted weighted average shares outstanding      19,025,916           22,345,438
                                                   ========             ========
Earnings per share:
       Basic                                          $0.01                $0.02
                                                   ========             ========
       Diluted                                        $0.01                $0.02
                                                   ========             ========

NOTE 9 - COMMITMENTS AND CONTINGENCIES

The Company is subject to legal proceedings and claims that arise in the
ordinary course of its business. In the opinion of management, the amount of
ultimate liability with respect to these actions will not materially affect the
financial position of the Company.

On November 14, 2001, The Zondervan Corporation elected to enforce a court order
and served notice that we cease selling, marketing and manufacturing all
products containing their copyrighted material. We are abiding by the court
order and are no longer shipping products containing Zondervan's copyrighted
material. Subsequent to September 30, 2003, the Company reached tentative
settlement with Zondervan. Details of the tentative settlement are to remain
confidential until the settlement is finalized and Company management believes
any potential effects cannot be reasonably estimated.

The Company previously reached tentative settlement in a dispute with The
Learning Company over various provisions of several agreements, including the
software license agreement. Disposition of the tentative settlement was
contingent upon settlement of negotiations with The Zondervan Corporation.
Subsequent to September 30, 2003, and as a part of the tentative settlement with
The Zondervan Corporation, the Company reached a new tentative settlement with
The Learning Company. Details of the tentative settlement are to remain
confidential until the settlement is finalized and Company management believes
any potential effects cannot be reasonably estimated.

NOTE 10 - RISKS AND UNCERTAINTIES

The Company's future operating results may be affected by a number of factors.
The Company is dependent upon a number of major inventory and intellectual
property suppliers. If a critical supplier had operational problems or ceased
making material available to the Company, operations could be adversely
affected. The Company is also dependent upon a few major customers. If any of
these customers experienced operational problems or ceased placing orders with
the Company, operations could also be adversely affected.

NOTE 11 - GOING CONCERN

The accompanying financial statements have been prepared assuming the Company
will continue as a going concern. The Company has a history of operating losses,
a negative current ratio and total liabilities in excess of total assets. Those
factors, as well as uncertainty in securing financing for continued operations,
uncertainty related to the outcomes of disputes with Zondervan and TLC, and the
uncertainty related to renegotiation of the demand notes payable, create an
uncertainty about the Company's ability to continue as a going concern.
Management of the Company has developed a plan to reduce its liabilities through
sales of a new release of one of the Company's flagship software titles. The
ability of the Company to continue as a going concern is dependent on the
acceptance of the plan by the Company's creditors, the plan's success, and the
renegotiation of the demand notes payable. The financial statements do not
include any adjustments that might result from the outcome of this uncertainty.


<PAGE>




Exhibit 99.1
                            CERTIFICATION PURSUANT TO
                  SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

         I, Steven Malone, certify that:

         1. I have reviewed this quarterly report on Form 10-QSB of
Findex.com, Inc.;

         2. Based on my knowledge, this quarterly report does not contain any
untrue statement of a material fact or omit to state a material fact necessary
to make the statements made, in light of the circumstances under which such
statements were made, not misleading with respect to the period covered by this
quarterly report;

         3. Based on my knowledge, the financial statements, and other financial
information included in this quarterly report, fairly present in all material
respects the financial condition, results of operations and cash flows of the
registrant as of, and for, the period presented in this quarterly report;

         4. The registrant's other certifying officers and I are responsible for
establishing and maintaining disclosure controls and procedures (as defined in
Exchange Act Rules 13a-14 and 15d-14) for the registrant and have:

                  a)       designed such disclosure controls and procedures to
                           ensure that material information relating to the
                           registrant, including its consolidated subsidiaries,
                           is made known to us by others within those entities,
                           particularly during the period in which this
                           quarterly report is being prepared;

                  b)       evaluated the effectiveness of the registrant's
                           disclosure controls and procedures as of a date
                           within 90 days prior to the filing date of this
                           quarterly report (the "Evaluation Date"); and

                  c)       presented in this quarterly report our conclusions
                           about the effectiveness of the disclosure controls
                           and procedures based on our evaluation as of the
                           Evaluation Date;

         5. The registrant's other certifying officers and I have disclosed,
based on our most recent evaluation, to the registrant's auditors and the audit
committee of registrant's board of directors (or persons performing the
equivalent function):

                  a)       all significant deficiencies in the design or
                           operation of internal controls which could adversely
                           affect the registrant's ability to record, process,
                           summarize and report financial data and have
                           identified for the registrant's auditors any material
                           weaknesses in internal controls; and

                  b)       any fraud, whether or not material, that involves
                           management or other employees who have a significant
                           role in the registrant's internal controls; and

         6. The registrant's other certifying officers and I have indicated in
this quarterly report whether or not there were significant changes in internal
controls or in other factors that could significantly affect internal controls
subsequent to the date of our most recent evaluation, including any corrective
actions with regard to significant deficiencies and material weaknesses.

Date:   November 14, 2003
                                       By /s/ Steven Malone
                                        -------------------
                                              Steven Malone
                                       President & Chief Executive Officer


<PAGE>


Exhibit 99.2


                            CERTIFICATION PURSUANT TO
                  SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

         I, Kirk Rowland, certify that:

         1. I have reviewed this quarterly report on Form 10-QSB of
Findex.com, Inc.;

         2. Based on my knowledge, this quarterly report does not contain any
untrue statement of a material fact or omit to state a material fact necessary
to make the statements made, in light of the circumstances under which such
statements were made, not misleading with respect to the period covered by this
quarterly report;

         3. Based on my knowledge, the financial statements, and other financial
information included in this quarterly report, fairly present in all material
respects the financial condition, results of operations and cash flows of the
registrant as of, and for, the period presented in this quarterly report;

         4. The registrant's other certifying officers and I are responsible for
establishing and maintaining disclosure controls and procedures (as defined in
Exchange Act Rules 13a-14 and 15d-14) for the registrant and have:

                  a)       designed such disclosure controls and procedures to
                           ensure that material information relating to the
                           registrant, including its consolidated subsidiaries,
                           is made known to us by others within those entities,
                           particularly during the period in which this
                           quarterly report is being prepared;

                  b)       evaluated the effectiveness of the registrant's
                           disclosure controls and procedures as of a date
                           within 90 days prior to the filing date of this
                           quarterly report (the "Evaluation Date"); and

                  c)       presented in this quarterly report our conclusions
                           about the effectiveness of the disclosure controls
                           and procedures based on our evaluation as of the
                           Evaluation Date;

         5. The registrant's other certifying officers and I have disclosed,
based on our most recent evaluation, to the registrant's auditors and the audit
committee of registrant's board of directors (or persons performing the
equivalent function):

                  a)       all significant deficiencies in the design or
                           operation of internal controls which could adversely
                           affect the registrant's ability to record, process,
                           summarize and report financial data and have
                           identified for the registrant's auditors any material
                           weaknesses in internal controls; and

                  b)       any fraud, whether or not material, that involves
                           management or other employees who have a significant
                           role in the registrant's internal controls; and

         6. The registrant's other certifying officers and I have indicated in
this quarterly report whether or not there were significant changes in internal
controls or in other factors that could significantly affect internal controls
subsequent to the date of our most recent evaluation, including any corrective
actions with regard to significant deficiencies and material weaknesses.

Date:   November 14, 2003                   By /s/ Kirk Rowland
                                              ------------------
                                                   Kirk Rowland
                                               Chief Financial Officer



<PAGE>


Exhibit 99.3


                            CERTIFICATION PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


In connection with the quarterly report of FindEx.com, Inc. (the "Company") on
Form 10-QSB for the period ending September 30, 2003 as filed with the
Securities and Exchange Commission on the date hereof (the "Periodic Report"),
I, Steven Malone, President and Chief Executive Officer of the Company, certify,
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

     (1)  The  Periodic  Report  fully  complies  with the  requirements  of the
          Securities Exchange Act of 1934; and

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


Date:    November 14, 2003            By /s/ Steven Malone
                                      --------------------
                                             Steven Malone
                                         President & Chief Executive Officer


<PAGE>



Exhibit 99.4


                            CERTIFICATION PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the quarterly report of FindEx.com, Inc. (the "Company") on
Form 10-QSB for the period ending September 30, 2003 as filed with the
Securities and Exchange Commission on the date hereof (the "Periodic Report"),
I, Kirk Rowland, Chief Financial Officer of the Company, certify, pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002, that:

     (1)  The  Periodic  Report  fully  complies  with the  requirements  of the
          Securities Exchange Act of 1934; and

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


 Date:    November 14, 2003         By:  /s/  Kirk Rowland
                                        -----------------------
                                              Kirk Rowland
                                           Chief Financial Officer


<PAGE>