<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>georgequist99.txt
<TEXT>
                                   EXHIBIT 99

                                George R. Quist
                                ---------------


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

2/       Includes 426,375 shares of Class A Common Stock and 3,358,687 shares of
         Class C Common Stock owned by the George R. and Shirley C. Quist Family
         Partnership,  Ltd.,  61,325  shares of Class A Common Stock and 470,581
         shares  of Class C  Common  Stock  owned  indirectly  by the  reporting
         person, including (A) 19,239 shares of Class A Common Stock and 211,358
         shares  of  Class C  Common  Stock  held by  Associated  Investors  and
         allocated to the reporting  person's  partner's account  (including 916
         shares  of Class A Common  Stock  and  10,065  shares of Class C Common
         Stock that were allocated to the reporting  person's  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;  (B) 6,177  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 34 shares of
         Class A Common Stock the reporting  person acquired and 1,050 shares of
         Class A Common Stock the reporting  person disposed of under the 401(k)
         Plan between  April 1, 2004 and  December  31, 2004,  and 294 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
         powers and investment with respect to such shares;  (C) 8,476 shares of
         Class A Common  Stock  and  259,223  shares  of  Class C  Common  Stock
         acquired under the Security  National  Financial  Corporation  Employee
         Stock  Ownerships  Plan  (ESOP),  in reliance  on old Rule  16a-8(g)(3)
         (including  5,808 shares of Class A Common Stock the  reporting  person
         disposed of under the ESOP Plan between  April 1, 2004 and December 31,
         2004,  and 404  shares of Class A Common  Stock and  121,344  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) 27,433 shares of
         Class A Common Stock  acquired  under the Security  National  Financial
         Corporation Deferred Compensation Plan (including 6,080 shares of Class
         A Common  Stock  the  reporting  person  acquired  under  the  Deferred
         Compensation  Plan between  April 1, 2004 and  December  31, 2004,  and
         1,306  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 and investment 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 40,000 shares of Class
         A Common Stock under the Security National  Financial  Corporation 1993
         Stock Option Plan. The options became exercisable on November 29, 2003.

4/       Grant to reporting person of options to purchase 50,000 shares of Class
         A Common Stock under the Security National  Financial  Corporation 2003
         Stock Option Plan. The options became exerciseable on July 16, 2004.

5/       Grant to reporting person of options to purchase 50,000 shares of Class
         A Common Stock under the Security National  Financial  Corporation 2003
         Stock  Option Plan.  The options  became  exerciseable  on December 10,
         2004.

</TEXT>
</DOCUMENT>
