Statement of Changes in Beneficial Ownership (4)

FORM 4 [ ] Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES
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Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940

1. Name and Address of Reporting Person ^* Stephens Jeffrey Russell	2. Issuer Name and Ticker or Trading Symbol SECURITY NATIONAL FINANCIAL CORP [ SNFCA ]	5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner __X__ Officer (give title below) _____ Other (specify below) Sr Gen Counsel/Corp Secretary
(Last) (First) (Middle) 38 NORTHRIDGE WAY	3. Date of Earliest Transaction (MM/DD/YYYY) 7/17/2020
(Street) SANDY, UT 84092 (City) (State) (Zip)	4. If Amendment, Date Original Filed (MM/DD/YYYY)	6. Individual or Joint/Group Filing (Check Applicable Line) _X _ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security (Instr. 3)	2. Trans. Date	2A. Deemed Execution Date, if any	3. Trans. Code (Instr. 8)		4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1.Title of Security (Instr. 3)	2. Trans. Date	2A. Deemed Execution Date, if any	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Class A Common Stock	7/17/2020		J⁽¹⁾	V	25	A	$5.72	1005 ⁽²⁾	D

*Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)*
1. Title of Derivate Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Trans. Date	3A. Deemed Execution Date, if any	4. Trans. Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivate Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Trans. Date	3A. Deemed Execution Date, if any	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)			11. Nature of Indirect Beneficial Ownership (Instr. 4)
Employee Stock Option (right to buy)	$1.01 ⁽³⁾	4/13/2012		A		3787 ⁽³⁾		7/13/2012	4/13/2022	Class A Common Stock	3787 ⁽³⁾	$1.01 ⁽³⁾	3787 ⁽³⁾	D
Employee Stock Option (right to buy)	$3.3 ⁽⁴⁾	12/6/2013		A		3607 ⁽⁴⁾		3/6/2014	12/6/2023	Class A Common Stock	3607 ⁽⁴⁾	$3.3 ⁽⁴⁾	3607 ⁽⁴⁾	D
Employee Stock Option (right to buy)	$3.08 ⁽⁵⁾	7/2/2014		A		3435 ⁽⁵⁾		10/2/2014	7/2/2024	Class A Common Stock	3435 ⁽⁵⁾	$3.08 ⁽⁵⁾	3435 ⁽⁵⁾	D
Employee Stock Option (right to buy)	$3.61 ⁽⁶⁾	12/5/2014		A		6869 ⁽⁶⁾		3/5/2015	12/5/2024	Class A Common Stock	6869 ⁽⁶⁾	$3.61 ⁽⁶⁾	6869 ⁽⁶⁾	D
Employee Stock Option (right to buy)	$5.07 ⁽⁷⁾	12/4/2015		A		6542 ⁽⁷⁾		3/4/2016	12/4/2025	Class A Common Stock	6542 ⁽⁷⁾	$5.07 ⁽⁷⁾	6542 ⁽⁷⁾	D
Employee Stock Option (right to buy)	$5.59 ⁽⁸⁾	12/2/2016		A		6230 ⁽⁸⁾		3/2/2017	12/2/2026	Class A Common Stock	6230 ⁽⁸⁾	$5.59 ⁽⁸⁾	6230 ⁽⁸⁾	D
Employee Stock Option (right to buy)	$4.22 ⁽⁹⁾	12/1/2017		A		5934 ⁽⁹⁾		3/1/2018	12/1/2027	Class A Common Stock	5934 ⁽⁹⁾	$4.22 ⁽⁹⁾	5934 ⁽⁹⁾	D
Employee Stock Option (right to buy)	$4.86 ⁽¹⁰⁾	11/30/2018		A		8476 ⁽¹⁰⁾		2/28/2019	11/30/2028	Class A Common Stock	8476 ⁽¹⁰⁾	$4.86 ⁽¹⁰⁾	8476 ⁽¹⁰⁾	D
Employee Stock Option (right to buy)	$5.06 ⁽¹¹⁾	12/6/2019		A		8072 ⁽¹¹⁾		3/6/2020 ⁽¹¹⁾	12/6/2029	Class A Common Stock	8072 ⁽¹¹⁾	$5.06 ⁽¹¹⁾	8072 ⁽¹¹⁾	D
Employee Stock Option (right to buy)	$3.67 ⁽¹²⁾	3/27/2020		A		7688 ⁽¹²⁾		6/27/2020 ⁽¹²⁾	3/27/2030	Class A Common Stock	7688 ⁽¹²⁾	$3.67 ⁽¹²⁾	7688 ⁽¹²⁾	D

Explanation of Responses:
(1)	Received pursuant to a stock dividend paid on July 17, 2020.
(2)	Does not include 92,735 shares of Class A Common Stock owned indirectly by the reporting person in the 401(k) Retirement Savings Plan.
(3)	This option was granted on April 13, 2012 as an option for 5,000 shares of Class A Common Stock at an exercise price of $1.56 per share, but adjusted pursuant to the anti-dilution provisions of the 2003 Stock Option Plan to reflect 5% stock dividends paid on February 1, 2013, February 7, 2014, February 6, 2015, February 5, 2016, February 3, 2017, February 2, 2018, February 1, 2019, and February 7, 2020. On December 4, 2012, the reporting person exercised part of these options to purchase 2,500 shares of Class A Common Stock; and a 2 1/2% stock dividend paid on July 17, 2020.
(4)	This option was granted on December 6, 2013 as an option for 2,500 shares of Class A Common Stock at an exercise price of $4.85 per share, but adjusted pursuant to the anti-dilution provisions of the Amended and Restated 2013 Stock Option and Other Equity Incentive Awards Plan (the "2013 Stock Option Plan") to reflect 5% stock dividends paid on February 7, 2014, February 6, 2015, February 5, 2016, February 3, 2017, February 2, 2018, February 1, 2019, and February 7, 2020; and a 2 1/2% stock dividend paid on July 17, 2020.
(5)	This option was granted on July 2, 2014 as an option for 2,500 shares of Class A Common Stock at an exercise price of $4.29 per share, but adjusted pursuant to the anti-dilution provisions of the 2013 Stock Option Plan to reflect 5% stock dividends paid on February 6, 2015, February 5, 2016, February 3, 2017, February 2, 2018, February 1, 2019, and February 7, 2020; and a 2 1/2% stock dividend paid on July 17, 2020.
(6)	This option was granted on December 5, 2014 as an option for 5,000 shares of Class A Common Stock at an exercise price of $5.02 per share, but adjusted pursuant to the anti-dilution provisions of the 2013 Stock Option Plan to reflect 5% stock dividends paid on February 5, 2016, February 3, 2017, February 2, 2018, February 1, 2019, and February 7, 2020; and a 2 1/2% stock dividend paid on July 17, 2020.
(7)	This option was granted on December 4, 2015 as an option for 5,000 shares of Class A Common Stock at an exercise price of $6.72 per share, but adjusted pursuant to the anti-dilution provisions of the 2013 Stock Option Plan to reflect 5% stock dividends paid on February 5, 2016, February 3, 2017, February 2, 2018, February 1, 2019, and February 7, 2020; and a 2 1/2% stock dividend paid on July 17, 2020.
(8)	This option was granted on December 2, 2016 as an option for 5,000 shares of Class A Common Stock at an exercise price of $7.03 per share, but adjusted pursuant to the anti-dilution provisions of the 2013 Stock Option Plan to reflect 5% stock dividends paid on February 3, 2017, February 2, 2018, February 1, 2019, and February 7, 2020; and a 2 1/2% stock dividend paid on July 17, 2020.
(9)	This option was granted on December 1, 2017 as an option for 5,000 shares of Class A Common Stock at an exercise price of $5.05 per share, but adjusted pursuant to the anti-dilution provisions of the 2013 Stock Option Plan to reflect 5% stock dividends paid on February 2, 2018, February 1, 2019, and February 7, 2020; and a 2 1/2% stock dividend paid on July 17, 2020.
(10)	This option was granted on November 30, 2018 as an option for 7,500 shares of Class A Common Stock at an exercise price of $5.52 per share, but adjusted pursuant to the anti-dilutions provisions of the 2013 Stock Option Plan to reflect 5% stock dividends paid on February 1, 2019 and February 7, 2020; and a 2 1/2%stock dividend paid on July 17, 2020.
(11)	This option was granted on December 6, 2019 as an option for 7,500 shares of Class A Common Stock at an exercise price of $5.46 per share, but adjusted pursuant to the anti-dilutions provisions of the 2013 Stock Option Plan to reflect stock dividends paid on February 7, 2020. This option vests in four equal quarterly installments of Class A Common Stock, beginning on March 6, 2020, until such shares are fully vested; and a 2 1/2% stock dividend paid on July 17, 2020.
(12)	This option was granted on March 27, 2020 as an option for 7,500 shares of Class A Common Stock at an exercise price of $3.76 per share. This option vests in four equal quarterly installments of Class A Common Stock, beginning on June 27, 2020, until such shares are fully vested; and a 2 1/2% stock dividend paid on July 17, 2020.

Reporting Owners
Reporting Owner Name / Address	Relationships
Reporting Owner Name / Address	Director	10% Owner	Officer	Other
Stephens Jeffrey Russell 38 NORTHRIDGE WAY SANDY, UT 84092			Sr Gen Counsel/Corp Secretary