<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>grquist99.txt
<TEXT>
                                   EXHIBIT 99

                                G. Robert Quist
                                ---------------


1/       Received pursuant to a 5% stock dividend paid on January 22, 2005.


2/       Includes  5,735  shares of Class A Common  Stock and  22,924  shares of
         Class C Common  Stock  owned  jointly by the  reporting  person and his
         former wife,  Beth Quist,  including 273 shares of Class A Common Stock
         and 1,092 shares of Class C Common Stock that were allocated on January
         22, 2005  pursuant to a stock  dividend  declared on December 10, 2004.
         Does not  include  37,452  shares of Class A Common  Stock and  184,098
         shares  of Class C  Common  Stock  owned  indirectly  by the  reporting
         person,  including (A) 10,039  shares of Class A Common Stock  acquired
         pursuant to the Security  National  Financial  Corporation  Tax-Favored
         Retirement  Savings Plan (401(k)  Plan) and  allocated to the reporting
         person's  account  (including  695  shares of Class A Common  Stock the
         reporting  person  acquired under the 401(k) Plan between April 1, 2004
         and December 31, 2004, and 478 shares of Class A Common Stock that were
         allocated  to the  reporting  person's  account  on  January  22,  2005
         pursuant to a 5% stock  dividend  declared on December  10,  2004),  of
         which the reporting person disclaims voting and investment  powers with
         respect  to such  shares;  (B) 572  shares of Class A Common  Stock and
         15,082 shares of Class C Common Stock held by Associated  Investors,  a
         Utah general  partnership  (including 27 shares of Class A Common Stock
         and 718  shares  of Class C Common  Stock  that were  allocated  to the
         reporting  persons  partner's account on January 22, 2005 pursuant to a
         5% stock  dividend  declared  on  December  10,  2004),  of  which  the
         reporting person disclaims voting and investment powers with respect to
         such  shares;  (C) 13,607  shares of Class A Common  Stock and  169,016
         shares of Class C Common Stock  acquired  under the  Security  National
         Financial Corporation Employee Stock Ownership Plan (ESOP), in reliance
         on old Rule  16a-8(g)(3)  (including 648 shares of Class A Common Stock
         and 8,048  shares of Class C Common  Stock that were  allocated  to the
         reporting  person's  account on January 22, 2005 pursuant to a 5% stock
         dividend  declared on December 10, 2004), of which the reporting person
         disclaims voting and investment powers with respect to such shares; and
         (D) 13,234 shares of Class A Common Stock  acquired  under the Security
         National Financial  Corporation  Deferred  Compensation Plan (including
         2,895  shares of Class A Common  Stock the  reporting  person  acquired
         under the Deferred Compensation Plan between April 1, 2004 and December
         31, 2004, and 630 shares of Class A Common Stock that were allocated to
         the  reporting  person's  account on January 22, 2005  pursuant to a 5%
         stock  dividend on December 10, 2004),  of which the  reporting  person
         disclaims  voting  powers with  respect to such shares.  The  reporting
         person disclaims beneficial ownership of the reported securities except
         to the extent of his pecuniary interest therein.

3/       Grant to reporting person of options to purchase 35,000 shares of Class
         A Common Stock under the Security National  Financial  Corporation 1993
         Stock Option Plan.  The options  became  exercisable on March 21, 2003,
         but any shares of Class A Common  Stock  acquired  from the exercise of
         the options shall be forfeited if the reporting  person does not remain
         employed by the Company for the later of (i) five years  following  the
         date of grant or March 21, 2013,  or (ii) two years  following the date
         these options have been exercised by the reporting person.

4/       Grant to reporting person of options to purchase 10,000 shares of Class
         A Common Stock under the Security National  Financial  Corporation 2003
         Stock Option Plan. The options became exercisable on December 10, 2004.

</TEXT>
</DOCUMENT>
