517

Homes for Sale near Bluffton Middle School

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  • /41

    $467,500

    • 3 Beds
    • 2 Baths
    • 1,630 Sq Ft

    58 Heron Walk, Okatie, SC 29909

    Highly Motivated Seller offering $25,000 toward the purchase of the Callawassie Island Membership. Renovated in 2021, this Heron Walk Villa is move in ready offering wonderful upgrades. Fully furnished and near club amenities. Lovely 3-bedroom 2-bath home offers privacy w/ lagoon views & screened in porch. Home can serve as full-time residence or as rental thru Callawassie Club. Callawassie, a

    The Broadhurst Group William Raveis - Carolina LLC (332)

    58 Heron Walk, Okatie, SC 29909
  • /56

    $647,000

    • 2 Beds
    • 2 Baths
    • 1,500 Sq Ft

    200 Bluffton Rd Unit 2, Bluffton, SC 29910

    Enjoy everything Old Town Bluffton offers, based out of this high-end condo with luxury finishes, 10-foot ceilings, and 8-foot doors in the heart of the Promenade. You can live in and enjoy the Old Town Bluffton lifestyle for yourself or use it as a spectacular investment opportunity for short-term rental income. It's already an established rental with projections from an Old Town management

    The Native Islan Group Real Life Brokered By EXP Realty LLC (889)

    200 Bluffton Rd Unit 2, Bluffton, SC 29910
  • /78

    $1,575,000

    • 4 Beds
    • 3.5 Baths
    • 4,123 Sq Ft

    73 Inverness Dr, Bluffton, SC 29910

    This stunning custom home, set on a premier homesite in the private golf community of Colleton River, offers 4 bedrooms, 3.5 baths, and a thoughtfully designed layout for relaxed, upscale living. Incredibly well built with rich architectural details, the home features light-filled living and family rooms that flow into a chef’s kitchen with granite countertops and premium appliances. Two generous

    Linda Delcher Charter One Realty (063F)

    73 Inverness Dr, Bluffton, SC 29910
  • /16

    $2,500,000

    • Land
    • 21 Acres
    • $119,617 per Acre

    Tbd Lost Oaks Dr, Bluffton, SC 29910

    Visible form Hwy 278. Behind Infinity Car Dealership, across from Mercedes Benz Dealership. Neighboring Island West Subdivision. This 20 acre lot is ideal for a subdivision, lodging, institution, detention, recreation facility, airport, waste management, wireless communication, mining, general retail, gas station, stables, forestry and lots more!!

    Teena Manzira Flamelilly Real Estate Group

    Tbd Lost Oaks Dr, Bluffton, SC 29910
  • /28

    $669,000

    • 3 Beds
    • 2.5 Baths
    • 2,719 Sq Ft

    276 Club Gate, Bluffton, SC 29910

    Tucked back on a quiet street in Rose Hill this like-new home offers a perfect blend of comfort and style. Living larger than its 2700 square feet this floor plan provides plenty of options. The first floor includes a spacious primary bedroom, oversized living room, vaulted ceilings, and a fireplace. The family room opens to a an over sized screened in porch with a wooded view that makes for easy

    Stephen Brown RE/MAX Island Realty (521)

    276 Club Gate, Bluffton, SC 29910
  • /49

    $825,000

    • 3 Beds
    • 2.5 Baths
    • 2,249 Sq Ft

    58 Spring Island Dr, Okatie, SC 29909

    A Classic Southern Living Cottage, with functional design and craftsman quality built, set in a private wooded setting on .74 acre. Enjoy expansive golf course views from the curved, wraparound heated rear screened porch. An open chef's kitchen is the heart of this 3 bedroom, 2.5 bath cottage. High ceilings, wide plank hardwood floors throughout, featuring a Savannah brick fireplace. The private

    Joseph Kearney Coastal R. E. Solutions II

    58 Spring Island Dr, Okatie, SC 29909
  • /39

    $485,000

    • 2 Beds
    • 2 Baths
    • 1,600 Sq Ft

    1 Scenic Dr, Bluffton, SC 29909

    Rare former Crane Model in Sun City’s prime location! This 2-bed, 2-bath home offers 1,600 sq. ft. of open living space, freshly painted with brand-new carpet. The spacious eat-in kitchen features generous cabinet space, while the formal dining area flows into a bright, inviting living room. Relax year-round on the sun porch or stroll across the street to enjoy the 45 acre Town Square amenity

    Town Square Partners Town Square Realty LLC (502)

    1 Scenic Dr, Bluffton, SC 29909
  • /4

    $3,500,000

    • Land
    • 0.00 Acre

    22 Devonwood Dr, Bluffton, SC 29910

    This unique acreage opportunity is located in the heart of charming downtown Bluffton, offering endless potential for investors. Situated in a highly desirable area, this property is ideal for a storage facility, boat parking, or other creative development projects. Known for its vibrant atmosphere, historic charm, and thriving local businesses, downtown Bluffton continues to attract both

    Nickey Maxey Maxey Blackstream Christie's International Real Estate (898)

    22 Devonwood Dr, Bluffton, SC 29910
  • /19

    $315,500

    • 2 Beds
    • 2 Baths
    • 1,138 Sq Ft

    38 Nesting Ln, Bluffton, SC 29909

    The Lowcountry is warming up, so spring into this lovely 2-bedroom, 2-full-bath Azalea model! Enjoy mornings with the birds and cozy sunsets from the screened porch overlooking a private backyard with lots of potential! Washer, Dryer, and new gutters. Microwave replaced in 2024; water heater replaced in 2023; whole house water filtration system. Conveniently located approximately. 1/2 mile to

    Lisa Sulka William Raveis - Carolina LLC (332)

    38 Nesting Ln, Bluffton, SC 29909
  • /56

    $499,000 Open Sat 1PM - 3PM

    • 3 Beds
    • 2.5 Baths
    • 2,376 Sq Ft

    61 Dudley Ave, Bluffton, SC 29909

    Discover this stunning 3BD/2.5BA home in the sought-after Malind Bluff community! Offering serene lagoon views and a fenced yard, the home's exterior is perfect for relaxation on the front porch or entertaining in the large backyard. The interior features a gorgeous open concept with an eat-in kitchen, spacious family room, private office, and versatile upstairs bonus room. Large 1st floor

    The Peirce Group Peirce Group Brokered by EXP Realty LLC (945)

    61 Dudley Ave, Bluffton, SC 29909
  • /35

    $74,500

    • Land
    • 0.00 Acre

    4 Millbrook Cir, Okatie, SC 29909

    Tremendous wooded lot on a quiet street in the desirable Berkeley Hall community. Situated just across the street from a wooded community owned common area that will not be built on, the property offers wonderful privacy, both to the front of the home site and to the rear of the property. The lot has a wonderful rectangular shape, which provides a symmetrical building envelope. Do not pass up on

    Paul De la Torre Charter One Realty (063I)

    4 Millbrook Cir, Okatie, SC 29909
  • /41

    $449,000

    • 3 Beds
    • 2 Baths
    • 2,068 Sq Ft

    314 Landing Ln, Bluffton, SC 29909

    2025 Remodeled Starling Villa! Unparalleled views of the golf course & lagoon. 3 spacious bedrms & 2 bathrms, features a cozy den & a Carolina room with elegant, tile flooring & a charming brick paver patio. Eat-in kitchen is a culinary dream, complete with Corian countertops, SS appliances, white cabinets, & a central island. Upgraded new LVP floors add a touch of sophistication. Owner's suite

    Town Square Partners Town Square Realty LLC (502)

    314 Landing Ln, Bluffton, SC 29909
  • /8

    $245,000

    • Land
    • 0.92 Acre
    • $266,304 per Acre

    40 Cumberland Dr, Bluffton, SC 29910

    Extraordinary large lot in the exclusive Belfair gated community. Plans for a 5800 sf home complete with landscaping are available. The plans have already been approved by the ARB and fees have been paid. The plans are for a 5 bedroom+ bonus room, 6.5 baths, 3 car garage plus a golf cart garage. Enjoy the outdoor kitchen and screened living area. Come live in the Lowcountry also known as

    Frederick Hartnett At Home Realty (660)

    40 Cumberland Dr, Bluffton, SC 29910
  • /48

    $564,000

    • 2 Beds
    • 2 Baths
    • 1,828 Sq Ft

    12 Brayton Ct, Bluffton, SC 29909

    Large Hatteras model on quiet cul-de-sac w/ Lagoon view and nature preserve on one side of home (neighbors only on one side). Home is light and bright with lots of window's w/ plantation shutters and views of the lake. Boasts 2/2 with a den/flex room, a large eat-in kitchen w/ new appliances, bay window, pullout cabinets , updated countertops, & separate dining room. Large LR with gas fireplace

    MARIA LOVE Real Broker LLC

    12 Brayton Ct, Bluffton, SC 29909
  • /50

    $95,000

    • Land
    • 0.41 Acre
    • $231,707 per Acre

    3 Oakland Place, Okatie, SC 29909

    Build your dream home on this stunning lot in Berkeley Hall Club, located in the scenic Bluffton area of Okatie, SC. This gated, private golf community offers the best of Lowcountry living, with access to two Tom Fazio-designed golf courses, a luxurious clubhouse, fitness center, spa, river park, and miles of nature trails. Nestled in a wooded setting, this lot combines tranquility and privacy,

    Dan Anton Engel & Volkers (625)

    3 Oakland Place, Okatie, SC 29909
  • /27

    $2,100,000

    • 3 Beds
    • 3.5 Baths
    • 2,595 Sq Ft

    8 Bonny Shore Landing, Okatie, SC 29909

    This 3 bedroom, 3 and a half bath home in the coveted Bonny Shore neighborhood on Spring Island is a peaceful retreat with expansive marsh and river views. The entire compound is one-story, and the living room offers views of both the landscaped courtyard and the salt marsh. The primary bedroom suite features breathtaking views of the marsh, and a second bedroom serves as an office / exercise

    Robert Tufts Spring Island Realty LLC (753)

    8 Bonny Shore Landing, Okatie, SC 29909
  • /32

    $1,495,000

    • 3 Beds
    • 3.5 Baths
    • 3,742 Sq Ft

    9 Mill Brook Cir, Okatie, SC 29909

    1 of 7 custom homes completed, under construction or in planning by May Residential Homes in Berkeley Hall. This prestigious community offers exceptional amenities and an elevated lifestyle as a standard. This proposed construction at 9 Millbrook Circle provides ample space with over 3,700 sqft of living space with 3 bedrooms, 3.5 baths, a bonus room and a spacious garage. Built with unmatched

    May River Group Engel & Volkers (625)

    9 Mill Brook Cir, Okatie, SC 29909
  • /52

    $95,000

    • Land
    • 0.34 Acre
    • $279,412 per Acre

    1 Oakland Place, Okatie, SC 29909

    Design your dream home on this spacious corner wooded lot in the prestigious Berkeley Hall Club, located in Okatie, SC. This property is part of a gated, private golf community known for its world-class amenities, including two Tom Fazio-designed golf courses, a luxurious clubhouse, a well-equipped fitness center, a relaxing spa, a river park, and scenic nature trails. Nestled near Hilton Head

    Dan Anton Engel & Volkers (625)

    1 Oakland Place, Okatie, SC 29909
  • /33

    $250,000

    • 2 Beds
    • 2 Baths
    • 1,063 Sq Ft

    205 Landing Ln, Bluffton, SC 29909

    Beautiful Cardinal model with private wooded views in The Preserve neighborhood of Sun City. Spacious two-bedroom, two-bath floor plan that flows seamlessly from the covered front porch to the private enclosed back patio/four-season room. The primary suite is a true retreat, with a generous walk-in closet. The two-car garage provides ample storage. The Preserve includes structural insurance,

    Chris Haro Keller Williams Realty (322)

    205 Landing Ln, Bluffton, SC 29909
  • /35

    $849,900

    • 4 Beds
    • 3.5 Baths
    • 3,801 Sq Ft

    234 Club Gate, Bluffton, SC 29910

    You must see this huge home on golf course with great layout. Primary Bedroom on the Main. New Roof (2024) both HVACs replaced in the Fall, 2023 (with ultraviolet air purification system). Newly added shaded courtyard in the front (2024), newly added patio in the back (2024). Beautiful extra large kitchen, Bonus room over extended garage and den upstairs, lots of closets and storage. Covered

    Denean Beaupre Sigmon & Associates (339)

    234 Club Gate, Bluffton, SC 29910
  • /50

    $595,000

    • Land
    • 0.00 Acre

    31 Spring Island Dr, Okatie, SC 29909

    Ready to wake up to wide-open marsh views and endless Lowcountry beauty? This rare 1.15-acre waterfront homesite on exclusive Callawassie Island is pure magic—offering Chechessee Creek frontage on two sides, ancient moss-draped trees for privacy, and a front-row seat to breathtaking sunrises and ever-changing tidal landscapes. With space to create your dream home, you’ll have the perfect canvas

    Allison Cobb The Cobb Group brokered by eXp Realty (943)

    31 Spring Island Dr, Okatie, SC 29909
  • /15

    $300,000

    • Land
    • 0.18 Acre
    • $1,666,667 per Acre

    31 Guerrard Ave, Bluffton, SC 29910

    Discover the charm of Southern small-town living at 33 Guerrard, one of the last available home sites in the heart of Old Town Bluffton. Nestled among scenic live oaks, these lots offer a prime location just a short golf cart ride from the Promenade, Calhoun Street, shops, art galleries, and restaurants. Experience the best of Lowcountry living with easy access to a waterfront park, a public

    Taylor Boatman Daniel Ravenel Sotheby's Inte

    31 Guerrard Ave, Bluffton, SC 29910
  • /24

    $74,000

    • Land
    • 0.76 Acre
    • $97,368 per Acre

    1 Osprey Cir, Okatie, SC 29909

    Ready to create your serene and luxury home on this scenic Callawassie Island lot? Within a short ride to Bluffton, Beaufort, Charleston for epicurean or cultural venues, always something available to peek your interest. Within a gorgeous golf course, this could be a home of your dreams. This Community abounds with incredible flora and fauna, multiple lagoons, community docks for fishing,

    Leslie Gayle RE/MAX Island Realty (521)

    1 Osprey Cir, Okatie, SC 29909
  • /25

    $250,000

    • Land
    • 0.22 Acre
    • $1,136,364 per Acre

    11 Garfields Way, Bluffton, SC 29910

    Live where history, community, and Lowcountry charm come together—right outside your beautifully designed custom home.It’s no secret that Old Town Bluffton is the place to be. Imagine living just steps from the May River for boating & kayaking, and walking distance to 20 restaurants, festivals, art galleries, and live music year-round.This unique homesite, located in Moss Oaks off of

    Lorri Hunter Charter One Realty (063I)

    11 Garfields Way, Bluffton, SC 29910
  • /74

    $1,275,000

    • 5 Beds
    • 4.5 Baths
    • 4,181 Sq Ft

    25 Hawthorne Rd, Bluffton, SC 29910

    Stunning, Remodeled Lowcountry Open Floor Plan Home w/Big Lot on 7th Green Nick Golf Course. New Paint, New Floors, New Electrical, New Landscaping, New Built-in Brick Gas BBQ, New Lanterns, Dual Wood/Gas Fireplace, Refreshed Large Kitchen with White Cabinets, Refreshed Dining Room & Butler’s Bar, Refreshed Bathrooms, Refreshed Screened in Patio w/TV & BBQ, Great Room w/Built-in Bookcases,

    Scott Collins Charter One Realty (063H)

    25 Hawthorne Rd, Bluffton, SC 29910
  • /39

    $444,900

    • 2 Beds
    • 2.5 Baths
    • 1,895 Sq Ft

    10 Johnston Way Unit G, Bluffton, SC 29910

    Investor's Dream in Downtown Bluffton SC! This upscale condo in Bluffton Village offers prime rental potential—short or long term. Steps from Old Town's shops, dining, and charm, it features hardwood floors, granite counters, tile, crown molding, and a spacious open layout. Enjoy the covered veranda, oversized primary suite with double vanity, soaking tub, and walk-in shower. Includes all

    Heather Baker ERA Evergreen Real Estate Company - Bluffton (533)

    10 Johnston Way Unit G, Bluffton, SC 29910
  • /4

    $399,000

    • Land
    • 0.10 Acre
    • $3,990,000 per Acre

    10 Carroll Ct, Bluffton, SC 29910

    Unique opportunity to own a Mixed-Use lot in thriving Old Town Bluffton. Zoned for both residential & commercial purposes. Build your perfect home/duplex, establish a successful business, or create a combination of both in one of the most desirable locations in the Lowcountry. Conveniently located just a short walk or golf cart ride from the renowned restaurants, eclectic shops, lively events &

    Nicki Jacoby Realty One Group - Lowcountry (597)

    10 Carroll Ct, Bluffton, SC 29910
  • /50

    $704,900

    • 4 Beds
    • 2.5 Baths
    • 2,828 Sq Ft

    235 Club Gate, Bluffton, SC 29910

    This stunning home features a primary bedroom on the first floor, two generously sized guest bedrooms upstairs, and a versatile room on the main level that can serve as a 4th bedroom or office. The open-concept design features a living room with soaring two-story ceilings, creating a bright and airy feel. Upstairs, you'll find a large loft perfect for extra living space, and an oversized attic

    Lisa Newton The HomesFinder Realty Group

    235 Club Gate, Bluffton, SC 29910
  • /51

    $995,000

    • 3 Beds
    • 3.5 Baths
    • 3,396 Sq Ft

    7 Tabby Point Ln, Okatie, SC 29909

    A great opportunity, to purchase one of the premier Colleton River views, on the desirable Tabby Point Lane within Callawassie Island. Enjoy miles of private/scenic deep water/tidal marsh views! Imagine launching your kayak from your backyard to paddle alongside the dolphins. This Lowcountry style home, 3 BD/3 1/2 BA, .77 acre, is located among the highest elevations on the island. This unique

    Joseph Kearney Coastal R. E. Solutions II

    7 Tabby Point Ln, Okatie, SC 29909
  • /22

    $258,000

    • 2 Beds
    • 2 Baths
    • 1,076 Sq Ft

    897 Fording Island Rd Unit 403, Bluffton, SC 29910

    Owner/Seller is licensed Realtor in SC.Welcome to the beautiful Lowcountry! Plantation Point is a community located in a convenient spot for heading to Hilton Head for the beach, the shops, or the many restaurants. It's also convenient for the small town atmosphere of Old Towne Bluffton, or just a short ride over the bridge into Savannah. This condo is located in building 4, a very

    Edgar Leduke EXP Realty LLC (938)

    897 Fording Island Rd Unit 403, Bluffton, SC 29910
  • /20

    $264,900

    • 2 Beds
    • 2 Baths
    • 1,000 Sq Ft

    18 Old Ct S Unit 18A, Bluffton, SC 29910

    Calling all INVESTORS! Ground floor 2 bedroom, 2 bathroom condo with a tenant in place. This is a wonderful opportunity to purchase now, collect a nice income and perhaps move in later. Everyone will enjoy the screen patio in the shade of the large oak trees. The unit was remodeled within the last 5 years with new LVP flooring, stainless steel appliance's, blinds, granite counter tops, custom eat

    Ruthanne Blackmon At Home Realty (660)

    18 Old Ct S Unit 18A, Bluffton, SC 29910
  • /28

    $435,000

    • 2 Beds
    • 2 Baths
    • 1,920 Sq Ft

    1 Tipo White Ct, Bluffton, SC 29909

    Lovely Surrey Crest model in sought after, amenity rich Sun City. The home offers 2BR/2BA plus den, and carolina room. The interior is freshly painted and is situated on a corner lot. Corian counters in kitchen with a center island and eat in/dining room, stainless steel appliances. Convenient location to back gate of Hwy. 170. 2.25% VA interest rate with Freedom Mortgage can be transferred

    Rita Cymbalista Berkshire Hathaway HomeServices Hilton Head Bluffton Realty (106)

    1 Tipo White Ct, Bluffton, SC 29909
  • /41

    $299,000

    • Land
    • 0.38 Acre
    • $786,842 per Acre

    124 Goethe Rd, Bluffton, SC 29910

    Rare opportunity to build your Lowcountry dream home just a short golf cart ride away from historic Old Town Bluffton, where you’ll find charming shops, restaurants, galleries, schools, playgrounds, and more! This prime location has no HOA or POA fees and is zoned for either commercial or residential use, making it the perfect investment opportunity or primary homesite. Home plans are available

    Lowcountry Fine Homes Daniel Ravenel Sotheby's International Realty

    124 Goethe Rd, Bluffton, SC 29910
  • /41

    $225,000

    • Land
    • 0.21 Acre
    • $1,071,429 per Acre

    25 9th Ave, Bluffton, SC 29910

    Rare opportunity to build your Lowcountry dream home just a short golf cart ride away from historic Old Town Bluffton, where you’ll find charming shops, restaurants, galleries, schools, playgrounds, and more! This prime location has no HOA or POA fees and is zoned for either commercial or residential use, making it the perfect investment opportunity or primary homesite. Home plans are available

    Lowcountry Fine Homes Daniel Ravenel Sotheby's International Realty

    25 9th Ave, Bluffton, SC 29910
  • /41

    $225,000

    • Land
    • 0.18 Acre
    • $1,250,000 per Acre

    33 9th Ave, Bluffton, SC 29910

    Rare opportunity to build your Lowcountry dream home just a short golf cart ride away from historic Old Town Bluffton, where you’ll find charming shops, restaurants, galleries, schools, playgrounds, and more! This prime location has no HOA or POA fees and is zoned for either commercial or residential use, making it the perfect investment opportunity or primary homesite. Home plans are available

    Lowcountry Fine Homes Daniel Ravenel Sotheby's International Realty

    33 9th Ave, Bluffton, SC 29910
  • /73

    $1,185,000

    • 4 Beds
    • 5.5 Baths
    • 4,797 Sq Ft

    109 Winding Oak Dr, Okatie, SC 29909

    Privacy awaits at your outdoor oasis with heated saltwater pool and outdoor kitchen. Enjoy views of Magnolia #5 green/lagoon from your elevated main living spaces, screened porch & patio. Craftsmanship can be felt the moment you walk thru the Mahogany Front doors into 14-16' ceilings with custom moldings & trim. Every bedroom has its own full bathroom, as does the large bonus/5th bedroom over

    Candace Crosby Coastal Real Estate Solutions II (566)

    109 Winding Oak Dr, Okatie, SC 29909
  • /34

    $1,150,000

    • 3 Beds
    • 3 Baths
    • 3,003 Sq Ft

    304 Bamberg Dr, Bluffton, SC 29910

    A hidden gem in the center of the Belfair golf community, this home offers privacy with serene wooded views and marsh glimpses. The updated kitchen flows seamlessly into the living room and formal dining area, perfect for entertaining. The primary suite is a private retreat, boasting double vanities and his/hers walk-in closets. Two bedrooms with ensuite baths provide ample space and comfort for

    The Patterson Group Daniel Ravenel Sotheby's International Realty

    304 Bamberg Dr, Bluffton, SC 29910
  • /23

    $105,000

    • Land
    • 0.74 Acre
    • $141,892 per Acre

    3 N Oak Forest Dr, Okatie, SC 29909

    Looking for the ultimate golf course retreat? This expansive three-quarter acre lot, situated on the picturesque Callawassie Magnolia 8th fairway, offers a serene and private setting. Nestled among mature trees, this heavily wooded parcel boasts excellent drainage and a tranquil golf course ambiance. Conveniently located between the Main Clubhouse/Pool and the River Club/Pool, plus nearby deep

    Grace Vandiver Charter One Realty

    3 N Oak Forest Dr, Okatie, SC 29909
  • /71

    $2,074,000

    • 4 Beds
    • 4.5 Baths
    • 4,100 Sq Ft

    2 Kestral Ct, Okatie, SC 29909

    Unparalleled construction, like no other Oldfield home. Nestled on a spacious 1.05-acre lot, this might be the finest home ever offered in highly desirable Oldfield. Appointments include Savannah Grey Brick, Black Walnut flooring, Travertine tile and exquisite custom-crafted millwork, to name just a few. The spacious kitchen is extraordinary and a chef’s dream... custom cabinets, marble

    The Broadhurst Group William Raveis - Carolina LLC (332)

    2 Kestral Ct, Okatie, SC 29909
  • /51

    $689,500

    • 3 Beds
    • 3 Baths
    • 2,720 Sq Ft

    63 Osprey Cir, Okatie, SC 29909

    Located on desirable Osprey Circle, this beautifully updated home offers wide plank flooring, foam insulation, and crawlspace encapsulation. Built by the Tilton Group, it provides single-level living with the primary suite and two guest bedrooms on opposite sides for privacy. The cozy living room with a fireplace flows into the remodeled kitchen (2019), breakfast nook, and dining room, all with

    Emily Kearney Coastal Real Estate Solutions II (566)

    63 Osprey Cir, Okatie, SC 29909

Showing Results 401 - 440, Page 11 of 13

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