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