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New words:
accommodate, accuracy, ACTIVITIESEffective, adequacy, adhere, adhering, aftermath, AHH, alerting, altogether, ancillary, apparent, assigned, attract, audience, augment, Avenue, aware, background, Banc, BANKINGFirst, beneficiary, Bernard, Big, bold, Bourse, Box, brand, budgeted, Bulletin, cap, Cecere, challenging, character, children, circumvention, Clifford, Club, Coast, COMMISSIONWashington, composed, compound, concluded, conclusion, concurrent, conflict, CONSTRUCTIONTrade, convey, count, coverage, critical, death, dedicate, dedicated, delay, difficulty, diminish, diminution, disadvantage, discretion, discrimination, dispersed, distortion, DogTM, Domenico, dramatically, dream, driver, educate, electronic, email, emerging, encourage, English, EQUIVALENTSThe, ESTIMATESThe, EXPENSEInterest, EXPENSESGeneral, EXPENSEThe, explicitly, extend, extended, fact, Fairfield, fall, FASB, flexibility, floating, floorplan, Florida, FNMA, foregoing, formally, fraud, Gonzalez, GOODWILLIn, Grande, Grenoble, grown, guarantor, guest, harm, hazard, heavily, henry, Heritage, Hilgard, hinder, homeownership, homesite, hope, hotel, houseCall, hurt, impede, impose, imposed, inception, INCOMEOperating, increasingly, incubate, Indirect, infomercial, INFORMATIONIn, input, instability, Intangible, INTERESTSOperating, IPO, Iraq, Irvine, Jacksonville, jastrow, joined, KB, KBbid, KBHMC, kenneth, knew, lack, Laredo, leader, lender, liable, light, Lille, LLC, lock, longer, longstanding, lose, loyalty, main, merging, message, military, misleading, mission, moratoria, mortality, negatively, Nonqualified, nontraditional, notional, objective, ofthe, OPERATIONSFirst, OPERATIONSHousing, OPERATIONSKB, OPTIONSThe, Orlando, outreach, overstatement, owner, pace, partnership, peaking, pension, perfect, point, prescribed, PRESENTATIONThe, print, progressing, prohibit, prominent, promulgated, pronouncement, PRONOUNCEMENTSIn, proven, publicly, radio, rateOne, RBT, rebate, rebound, RECLASSIFICATIONSCertain, recognition, recovery, recruitment, Red, refinancing, refocusing, reliability, repair, resource, responded, REVENUESConstruction, REVENUESOther, revising, Rio, role, rolled, Saturday, ScholasticTM, SEC, sense, sequential, SHAREBasic, showed, signage, simple, skilled, SOP, sound, Southwest, Spanish, spring, star, startup, step, stepped, stimulate, STOCKIn, STOCKOn, stop, strongly, Studio, summer, Sun, Sunday, supervision, surrender, Tampa, TAXESIncome, Teillaud, tempered, terrorism, terrorist, today, tool, Toulouse, Trademark, tragedy, treated, TV, type, ultimate, unchanged, understatement, uneven, unfunded, unrest, untrue, VENTURESThe, version, violated, voluntarily, war
Removed:
ago, agreed, Albert, architectural, assembled, assumed, assure, attached, Barnard, Barton, Beach, bearing, billed, branch, burdensome, Cancelled, capitalization, cautiously, century, comparably, complex, computer, consideration, contrast, Controller, Conversely, corrected, correspondingly, Corrupt, decided, deductible, demographic, DESCRIPTION, Director, display, distributed, eligibility, eliminate, endangered, energy, examination, expiring, fail, foreseeable, Fresno, fueled, function, Gary, Generale, geographical, Glen, goal, good, Guaranty, Guy, hardware, henn, highway, hollinger, improving, internet, JURISDICTION, KBMC, lease, liquidation, lowest, media, michael, miscalculate, Modesto, modify, municipal, Nafilyan, nation, necessitated, Newport, newspaper, occurring, optimistic, overview, Pachino, Palmdale, periodically, persistently, pertaining, Praw, prepare, preservation, produce, produced, properly, qualification, Rayco, recoverability, renewable, rinehart, schedule, sewage, single, SMCI, Societe, software, statewide, subsumed, syndication, terrain, thereunder, Training, unaudited, undiscounted, unemployment, Union, Utah, WASHINGTON, water, william, withholding, workmanship
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EXHIBIT 13
KB HOME AND CONSOLIDATED SUBSIDIARIES
PAGES 49 THROUGH 88 AND PAGE 92 OF KB HOME’S
2002 ANNUAL REPORT TO STOCKHOLDERS
This exhibit is incorporated in this Annual Report on Form 10-K between page F-1 and the List of Exhibits Filed.