Dividend "Pay As You Go" ESOP Feasibility Study Board of Directors ESOP Trustee KSM Holding Company, Inc. Inside Loan Realization Percent EBITDA Audit Turnover Ownership Culture NCEO Discounted Cash Flow Recycle Repurchase Obligation Fair Market Value Third-Party Administrator ERISA Prohibited Transaction ESOP Trust Contribution Plan Participant ESOP Vesting at KSM Annual Valuation Rollover Contribution Employee Ownership Month Sustainability Tax Deferred Redeem Distribution 100% Vested Gross Revenue 1974 Long-term Benefit Plan ESOP Jan. 1, 2001 Leveraged ESOP Prairie Capital Advisors Non- Discriminatory Growth Section 1042 Deferral Allocations ESOP Services Group Rebalancing ESOP Proclamations Industries Suspense Account ESOP Advisors ESOP Eligibility at KSM First ESOP 1,000 hours Succession Planning Diversification Net Revenue $45.31 Discount for Lack of Marketability (DLOM) 1997 Katz, Sapper & Miller LLP Form 5500 Number of ESOPs Nonleveraged ESOP Cash Flow Summary Plan Description (SPD) Pre- Funded ESOP ESOP Fiduciaries December 31 1981, 1984, 1986 The ESOP Association Dividend "Pay As You Go" ESOP Feasibility Study Board of Directors ESOP Trustee KSM Holding Company, Inc. Inside Loan Realization Percent EBITDA Audit Turnover Ownership Culture NCEO Discounted Cash Flow Recycle Repurchase Obligation Fair Market Value Third-Party Administrator ERISA Prohibited Transaction ESOP Trust Contribution Plan Participant ESOP Vesting at KSM Annual Valuation Rollover Contribution Employee Ownership Month Sustainability Tax Deferred Redeem Distribution 100% Vested Gross Revenue 1974 Long-term Benefit Plan ESOP Jan. 1, 2001 Leveraged ESOP Prairie Capital Advisors Non- Discriminatory Growth Section 1042 Deferral Allocations ESOP Services Group Rebalancing ESOP Proclamations Industries Suspense Account ESOP Advisors ESOP Eligibility at KSM First ESOP 1,000 hours Succession Planning Diversification Net Revenue $45.31 Discount for Lack of Marketability (DLOM) 1997 Katz, Sapper & Miller LLP Form 5500 Number of ESOPs Nonleveraged ESOP Cash Flow Summary Plan Description (SPD) Pre- Funded ESOP ESOP Fiduciaries December 31 1981, 1984, 1986 The ESOP Association
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Dividend
"Pay As You Go" ESOP
Feasibility Study
Board of Directors
ESOP Trustee
KSM Holding Company, Inc.
Inside Loan
Realization Percent
EBITDA
Audit
Turnover
Ownership Culture
NCEO
Discounted Cash Flow
Recycle
Repurchase Obligation
Fair Market Value
Third-Party Administrator
ERISA
Prohibited Transaction
ESOP Trust
Contribution
Plan Participant
ESOP Vesting at KSM
Annual Valuation
Rollover Contribution
Employee Ownership Month
Sustainability
Tax Deferred
Redeem
Distribution
100% Vested
Gross Revenue
1974
Long-term Benefit Plan
ESOP
Jan. 1, 2001
Leveraged ESOP
Prairie Capital Advisors
Non-Discriminatory
Growth
Section 1042 Deferral
Allocations
ESOP Services Group
Rebalancing
ESOP Proclamations
Industries
Suspense Account
ESOP Advisors
ESOP Eligibility at KSM
First ESOP
1,000 hours
Succession Planning
Diversification
Net Revenue
$45.31
Discount for Lack of Marketability (DLOM)
1997
Katz, Sapper & Miller LLP
Form 5500
Number of ESOPs
Nonleveraged ESOP
Cash Flow
Summary Plan Description (SPD)
Pre-Funded ESOP
ESOP Fiduciaries
December 31
1981, 1984, 1986
The ESOP Association