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Boerne, TX Homes for Sale with No HOA Fee

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  • /3

    $735,900

    New Construction
    • 5 Beds
    • 4 Baths
    • 3,397 Sq Ft

    3397W Plan at The Ranches at Creekside - 55', Boerne, TX 78006

    Home office and media room both with French doors frame the two-story entryway. A private guest suite is off of the main hallway and features a full bathroom. The family room and dining area connect for an open concept living space. The kitchen features an island with built-in seating and a walk-in pantry. The primary bedroom boasts three large windows. The primary bathroom has dual vanities, a

    Perry Homes Builder
    204 Paint Creek Unit 38236857, Boerne, TX 78006
  • /59

    $766,900

    New Construction
    • 4 Beds
    • 3 Baths
    • 3,399 Sq Ft

    3399W Plan at The Ranches at Creekside - 65', Boerne, TX 78006

    Home office with French doors set at two-story entry. Formal dining room opens to curved staircase. Kitchen and morning area open to two-story family room. Kitchen features generous island with built-in seating space. Family room features wall of windows. Primary bedroom features 12-foot ceiling. Primary bath includes dual vanity, garden tub, separate glass-enclosed shower and oversized walk-in

    Perry Homes Builder
    204 Paint Creek Unit 38263473, Boerne, TX 78006
  • /61

    $771,990

    New Construction
    • 4 Beds
    • 4.5 Baths
    • 2,962 Sq Ft

    Plan 218 at Esperanza, Boerne, TX 78006

    Welcome to the inviting 218 floor plan, designed for modern living and entertaining. This layout features four bedrooms and four bathrooms, providing ample space for family and guests. The open-concept kitchen flows seamlessly into the dining area and spacious family room, which opens to outdoor living, perfect for gatherings and relaxation. The primary suite offers a luxurious retreat with a

    Highland Homes Builder
    210 Navarro Unit 36555572, Boerne, TX 78006
  • /3

    $564,900

    New Construction
    • 3 Beds
    • 2 Baths
    • 2,251 Sq Ft

    2251W Plan at Esperanza 50', Boerne, TX 78006

    Entry welcomes with 12-foot ceiling. Home office with French doors off extended entry. Open kitchen offers corner walk-in pantry and inviting island with built-in seating space. Dining area flows into open family room with wall of windows. Secluded primary suite includes primary bath with dual vanities, garden tub, separate glass-enclosed shower and two large walk-in closets. Abundant closet

    Perry Homes Builder
    222 Navarro Unit 39876688, Boerne, TX 78006
  • /17

    $733,900

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,895 Sq Ft

    2895W Plan at The Ranches at Creekside - 65', Boerne, TX 78006

    Extended entry leads to open family room, kitchen and dining area. Family room features wall of windows. Kitchen hosts island with built-in seating space. Game room with French doors just off family room. Secluded primary suite. Dual vanities, garden tub, separate glass-enclosed shower and two large walk-in closets in primary bath. A Hollywood bath, high ceilings, large windows and abundant

    Perry Homes Builder
    204 Paint Creek Unit 38263456, Boerne, TX 78006
  • /3

    $668,900

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,954 Sq Ft

    2954E Plan at Esperanza 60', Boerne, TX 78006

    Welcoming entry and extended entry with 12-foot coffered ceiling. Spacious family room with a grand wall of windows opens to the kitchen and dining area. Island kitchen offers a walk-in pantry and built-in seating space. Dining area just off kitchen with walls of windows and a gorgeous backyard view. Secluded primary suite with a wall of windows. French doors lead to the primary bath with dual

    Perry Homes Builder
    222 Navarro Unit 37764834, Boerne, TX 78006
  • /60

    $580,990

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,485 Sq Ft

    Plan Kingston at The Ranches at Creekside, Boerne, TX 78006

    The Kingston is a beautifully designed floor plan, perfect for modern living. This home features four bedrooms and three bathrooms, offering ample space and privacy. The open-concept kitchen connects seamlessly to the dining area and spacious family room, which leads to a cozy patio, ideal for outdoor relaxation. The primary suite provides a luxurious retreat with an ensuite bathroom. Bedrooms

    Highland Homes Builder
    317 Rainwater Creek Unit 36555549, Boerne, TX 78006
  • /71

    $841,790

    New Construction
    • 4 Beds
    • 3 Baths
    • 3,610 Sq Ft

    Plan 222 at Esperanza, Boerne, TX 78006

    Welcome to this spacious two-story home, the 222 Plan. This home features 4 bedrooms and 3 full baths. As you enter through the foyer, you are guided into the formal dining room, which seamlessly connects to both the family room and the modern kitchen. The first floor also includes a bedroom, a versatile entertainment room, a dedicated study, and the primary suite which is tucked in the back of

    Highland Homes Builder
    210 Navarro Unit 36555580, Boerne, TX 78006
  • /3

    $743,900

    New Construction
    • 4 Beds
    • 3.5 Baths
    • 3,445 Sq Ft

    3445W Plan at The Ranches at Creekside - 55', Boerne, TX 78006

    Home office with French doors frames the 19-foot entry. Generous family room with a grand wall of windows and a 19-foot ceiling flows into the dining area. Island kitchen with built-in seating space features a walk-in pantry. Secluded primary suite features a grand bedroom with a wall of windows. Primary bathroom offers a double door entry, dual vanities, garden tub, separate enclosed shower and

    Perry Homes Builder
    204 Paint Creek Unit 38236863, Boerne, TX 78006
  • /26

    $498,000

    New Construction
    • 5 Beds
    • 3.5 Baths
    • 2,862 Sq Ft

    The Salerno Plan at The Birch at Spencer Ranch, Boerne, TX 78006

    Step inside The Salerno floor plan, a two-story home featured at The Birch at Spencer Ranch in Boerne, TX. Featuring 2 classic front exteriors, 5 bedrooms, 3.5 bathrooms and a 2-car garage, this floor plan is sure to turn heads! The Salerno offers 2861 square feet of comfortable living and includes a dining area that is open to the floor above located right off the foyer. Continue down the entry

    D.R. Horton Builder
    109 Mahogany Rapids St Unit 40058119, Boerne, TX 78006
  • /2

    $669,900

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,934 Sq Ft

    2934W Plan at The Ranches at Creekside - 55', Boerne, TX 78006

    Home office with French doors frame the two-story entry. Formal dining room. Two-story family room with a wall of windows and 19-foot ceiling. Island kitchen with built-in seating space offers a walk-in pantry and opens to morning area. Primary suite with 11-foot ceiling. Garden tub, separate glass-enclosed shower, dual sinks and two walk-in closets in the primary bath. Additional bedroom on

    Perry Homes Builder
    204 Paint Creek Unit 38236817, Boerne, TX 78006
  • /56

    $673,900

    New Construction
    • 4 Beds
    • 3.5 Baths
    • 2,944 Sq Ft

    2944W Plan at Esperanza 60', Boerne, TX 78006

    Home office with French doors set entry. Media room with French doors off extended entry. Formal dining room flows into open family room with wall of windows. Kitchen features corner walk-in pantry, a coffee bar, and generous island with built-in seating space. Adjoining morning area features wall of windows. Primary suite includes double-door entry to primary bath with dual vanities, a garden

    Perry Homes Builder
    222 Navarro Unit 37764801, Boerne, TX 78006
  • /4

    $743,900

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,895 Sq Ft

    2895S Plan at The Ranches at Creekside - 65', Boerne, TX 78006

    Extended entry with 12-foot ceiling leads to open family room, kitchen and morning area. Kitchen features walk-in pantry and generous island with built-in seating space. Family room features wall of windows. Game room with French doors just off family room. Primary suite includes bedroom with 15-foot ceiling. Dual vanities, separate glass-enclosed shower and two walk-in closets in primary bath. A

    Perry Homes Builder
    204 Paint Creek Unit 38263459, Boerne, TX 78006
  • /13

    $781,400

    New Construction
    • 4 Beds
    • 3 Baths
    • 3,295 Sq Ft

    3295W Plan at The Ranches at Creekside - 65', Boerne, TX 78006

    Home office with French doors set at entry with 12-foot ceiling. Extended entry leads to open family room, dining area and kitchen with 17-foot ceilings throughout. Family room features wall of windows and fireplace. Kitchen features generous counter space, walk-in pantry and island with built-in seating space. Primary suite with wall of windows. Double doors lead to primary bath with 11-foot

    Perry Homes Builder
    204 Paint Creek Unit 38263470, Boerne, TX 78006
  • /18

    $676,900

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,695 Sq Ft

    2695W Plan at The Ranches at Creekside - 55', Boerne, TX 78006

    Home office with French doors set at entry with 12-foot ceiling. Extended entry highlights coffered ceiling. Open kitchen features generous counter space, corner walk-in pantry and island with built-in seating space. Dining area flows into open family room with wall of windows. Primary suite includes bedroom with wall of windows. Dual vanities, garden tub, separate glass-enclosed shower and two

    Perry Homes Builder
    204 Paint Creek Unit 38236801, Boerne, TX 78006
  • /25

    $588,900

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,561 Sq Ft

    2561H Plan at Corley Farms - 50', Boerne, TX 78006

    Home office with French doors set at two-story entry. Two-story family room with wall of windows opens to kitchen and dining area. Kitchen hosts inviting island with built-in seating space. First-floor primary suite includes dual vanities, garden tub, separate glass-enclosed shower and large walk-in closet in primary bath. A second bedroom is downstairs. Two secondary bedrooms and a game room are

    Perry Homes Builder
    326 White Barn Cove St Unit 37820971, Boerne, TX 78006
  • /4

    $674,900

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,994 Sq Ft

    2994W Plan at Esperanza 60', Boerne, TX 78006

    Welcoming entry that flows to a large game room with French doors. Spacious family room with a wall of windows. Island kitchen with a corner walk-in pantry opens to the dining area. Private primary suite with three large windows. Primary bathroom features a double door entry with dual vanities, garden tub, glass enclosed shower and two walk-in closets. Secondary bedrooms with walk-in closets and

    Perry Homes Builder
    222 Navarro Unit 37764892, Boerne, TX 78006
  • /69

    $902,900

    New Construction
    • 4 Beds
    • 4.5 Baths
    • 3,928 Sq Ft

    Plan 289 at Esperanza, Boerne, TX 78006

    The two-story 289 floor plan boasts a spacious family room, formal dining area, cozy breakfast nook, and an open kitchen with a large island–perfect for culinary enthusiasts and busy families alike. The master suite serves as a private retreat, complete with a luxurious bath and a walk-in closet. An additional bedroom and full bath on the main floor offer comfort and convenience for guests. The

    Highland Homes Builder
    210 Navarro Unit 36555585, Boerne, TX 78006
  • /10

    $796,900

    New Construction
    • 4 Beds
    • 4.5 Baths
    • 3,566 Sq Ft

    3566W Plan at The Ranches at Creekside - 65', Boerne, TX 78006

    Home office with French doors frame entry. Game room with French doors and formal dining room just off the extended entry. Spacious family room with wall of windows and fireplace opens to the kitchen and morning area. Island kitchen with built-in seating space and a corner walk-in pantry. Primary suite features a large wall of windows. Primary bath offers a French door entry, dual vanities,

    Perry Homes Builder
    204 Paint Creek Unit 38263487, Boerne, TX 78006
  • /77

    $860,990

    New Construction
    • 4 Beds
    • 3 Baths
    • 3,975 Sq Ft

    Plan 224 at Esperanza, Boerne, TX 78006

    Welcome to the 224 plan. This two-story floor plan combines functionality with style, featuring four bedrooms and three full bathrooms. The first floor is perfect for entertaining and daily living, with an entertainment room and two dining areas—one formal and one for everyday use. The modern kitchen seamlessly connects to the family room, creating a welcoming space for gatherings. The private

    Highland Homes Builder
    210 Navarro Unit 36555583, Boerne, TX 78006
  • /35

    $731,990

    New Construction $22K PRICE INCREASE
    • 5 Beds
    • 4 Baths
    • 3,525 Sq Ft

    Plan 208 at Esperanza, Boerne, TX 78006

    The bright entry of the 208 plan is offset by a secondary bedroom and study. Under the Juliet balcony and past the open but dedicated dining room lies the family, kitchen and breakfast areas. A secluded master is in back and 3 more bedrooms plus play and game rooms upstairs. Options include an entertainment room, expanded bedrooms, and an extended master. Create an outdoor escape with an expanded

    Highland Homes Builder
    210 Navarro Unit 40481588, Boerne, TX 78006
  • /4

    $636,900

    New Construction
    • 4 Beds
    • 3.5 Baths
    • 3,190 Sq Ft

    3190W Plan at Esperanza 50', Boerne, TX 78006

    Home office with French doors set at two-story entry. Open formal dining room just off the kitchen area. Two-story family room with 19-foot ceilings and a wall of windows. Kitchen features an island with built-in seating space, a walk-in pantry and opens to the morning area. Private primary suite with a wall of windows. Primary bath includes double doors, garden tub, separate glass-enclosed

    Perry Homes Builder
    222 Navarro Unit 39876694, Boerne, TX 78006
  • 113 Telling Wind Unit 36357706, Boerne, TX 78006

    $1,044,995

    New Construction
    • 5 Beds
    • 4.5 - 5.5 Baths
    • 4,558 Sq Ft

    Xander Plan at George's Ranch - Toll Brothers at George's Ranch, Boerne, TX 78006

    The Xander home design showcases spectacular gathering spaces and quiet retreats enhanced by stunning architectural details. The soaring two-story foyer featuring a tray ceiling flows past an elegant dining room with a tray ceiling into the striking two-story great room with a sophisticated fireplace. The kitchen, complete with a spacious island with breakfast bar and a walk-in pantry, seamlessly

    Toll Brothers, Inc. Builder
    113 Telling Wind Unit 36357706, Boerne, TX 78006
  • /11

    $909,900

    New Construction
    • 5 Beds
    • 4.5 Baths
    • 4,199 Sq Ft

    4199W Plan at Esperanza 80', Boerne, TX 78006

    The grand entryway unfolds to reveal a sweeping curved staircase. French doors open into a home office, while across the hall, the formal dining room awaits. Step into the two-story family room, which offers a warming fireplace and a wall of windows. The morning area seamlessly connects the living space to the kitchen, which boasts an island with built-in seating, ample counterspace, a walk-in

    Perry Homes Builder
    108 Alonzo Unit 38310483, Boerne, TX 78006
  • /16

    $693,900

    New Construction
    • 4 Beds
    • 3.5 Baths
    • 3,112 Sq Ft

    3112W Plan at Esperanza 60', Boerne, TX 78006

    Home office with French doors frame the welcoming entry. Large media room just off the extended entry. Open concept family room with a wall of windows extends to the kitchen and dining area. Island kitchen offers built-in seating space and a corner walk-in pantry. Morning area with wall of windows. Secluded primary suite with a wall of windows. Primary bath features a double door entry, dual

    Perry Homes Builder
    222 Navarro Unit 37764901, Boerne, TX 78006
  • /25

    $590,900

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,561 Sq Ft

    2561H Plan at Esperanza 50', Boerne, TX 78006

    Home office with French doors set at two-story entry. Two-story family room with wall of windows opens to kitchen and dining area. Kitchen hosts inviting island with built-in seating space. First-floor primary suite includes dual vanities, garden tub, separate glass-enclosed shower and large walk-in closet in primary bath. A second bedroom is downstairs. Two secondary bedrooms and a game room are

    Perry Homes Builder
    222 Navarro Unit 39876697, Boerne, TX 78006
  • /3

    $527,900

    New Construction
    • 3 Beds
    • 2 Baths
    • 2,099 Sq Ft

    2099V Plan at Corley Farms - 50', Boerne, TX 78006

    Entry framed by a home office and game room both with French door entry. Generous family room with a grand wall of windows. Kitchen features an island with built-in seating space and a corner walk-in pantry. Secluded primary suite with three large windows. Primary bathroom features French door entry, dual vanities, garden tub, separate glass enclosed shower and dual walk-in closets. Secondary

    Perry Homes Builder
    326 White Barn Cove St Unit 37820870, Boerne, TX 78006
  • /29

    $674,900

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,935 Sq Ft

    2935W Plan at The Ranches at Creekside - 55', Boerne, TX 78006

    Home office with French doors set at entry with 12-foot ceiling. Formal dining room and game room with French doors off coffered extended entry. Spacious family room with wall of windows opens to kitchen and morning area. Kitchen hosts generous island with built-in seating space. Primary suite includes bedroom with wall of windows. Dual vanity, garden tub, separate glass-enclosed shower and large

    Perry Homes Builder
    204 Paint Creek Unit 38236825, Boerne, TX 78006
  • /74

    $2,375,000

    $125K PRICE DROP
    • 3 Beds
    • 3.5 Baths
    • 4,499 Sq Ft

    208 Cascade Caverns Rd, Boerne, TX 78015

    Welcome to this Texas Hill Country ~AG exempt 4,500 square foot resort living masterpiece, crafted by Cadillac Homes in 2009. Nestled on 9 tranquil acres shared with deer and majestic oaks, this gated retreat offers luxury and privacy. Relax on the screened porch by the sparkling pool, or in the soothing hut tub, and entertain on three private pickle ball courts- perfect for gatherings under

    Brandi Quinn Phyllis Browning Company

    208 Cascade Caverns Rd, Boerne, TX 78015
  • /22

    $2,412,000

    • Land
    • 134 Acres
    • $18,000 per Acre

    103 Bella Springs, Boerne, TX 78006

    Located only minutes from Boerne, this 134 acre ranch offers everything you need in a Hill Country Ranch. Drive just 20 minutes outside of town and enter the gates of Hidden Creek Ranch, where live water meets long range views and ideal location meets quiet serenity. A few of the things this magnificent ranch has to offer are Boerne ISD, private ponds, spectacular bluffs, and Little Joshua Creek

    Brian Cook Southern Ranch Sales | Phyllis Browning Land & Ranch Co

    103 Bella Springs, Boerne, TX 78006
  • /20

    $495,000

    • Land
    • 10.01 Acres
    • $49,451 per Acre

    112 Majestic Oaks Dr, Boerne, TX 78006

    :Watermark Ranch is a 10-acre property that sits just minutes from Boerne and Comfort, with paved access from Majestic Oaks Drive. The land offers exceptional privacy with its own gated entrance and a peaceful pond shaded by mature oak trees. The pond has gone dry, though it could easily be improved for a great bass pond. Manicured roads and ATV trails make the entire property accessible, and

    Brian Cook Southern Ranch Sales | Phyllis Browning Land & Ranch Co

    112 Majestic Oaks Dr, Boerne, TX 78006
  • /36

    $5,750,000

    • 4 Beds
    • 3 Baths
    • 3,500 Sq Ft

    40455 Interstate 10, Boerne, TX 78006

    This 44.68-acre property features frontage along Interstate 10, situated just west of Upper Cibolo Creek Road in Boerne, Texas. With 1,263 linear feet of frontage on the I-10 access road, and including an approximately 3500 square foot, 4 bed/3 bath residential dwelling, barns, pens, and various other outbuildings, this parcel represents an excellent transitional land investment. It offers the

    Richmond Frasier Legacy Broker Group

    40455 Interstate 10, Boerne, TX 78006
  • /38

    $450,000

    $50K PRICE DROP
    • Land
    • 6.3 Acres
    • $71,429 per Acre

    417 Sparkling Springs Dr, Boerne, TX 78006

    Tucked away in one of the most desirable areas of Boerne, this 6.3 +/- acre property within the prestigious Sparkling Springs subdivision captures the essence of Hill Country living. A private cul-de-sac setting offers exceptional seclusion, framed by dense natural coverage and mature hardwoods that create an atmosphere of peace and privacy. The lands dramatic rolling topography and exposed

    Gaines Slade Coldwell Banker D'Ann Harper

    417 Sparkling Springs Dr, Boerne, TX 78006
  • /86

    Call for Price

    • 3 Beds
    • 2 Baths
    • 2,539 Sq Ft

    Cypress Bend Ranch, Boerne, TX 78006

    IntroductionNestled in the heart of the Texas Hill Country, Cypress Bend Ranch is a rare 43 acre live-water offering with an unmatched stretch of the Guadalupe River, fertile soils, and a thoughtfully designed custom residence. With over 800 feet of scenic river frontage framed by towering, centuries-old cypress trees, the property combines natural beauty, privacy, and functionality in

    LandMen Team Members Texas LandMen

    Cypress Bend Ranch, Boerne, TX 78006
  • /39

    $995,000

    • Land
    • 14.15 Acres
    • $70,318 per Acre

    Sendero Ridge, Boerne, TX 78006

    Rare 14.15+/- Wildlife Exempt acres in the Texas Hill Country is the perfect space to build your dream home and bring your horses in the highly desirable gated Sendero Ridge at Cordillera Ranch! This is one of the last original lots of this size with a wildlife exemption in Cordillera Ranch. A mandatory annual fee maintains the Wildlife management program allowing for exceptionally low tax rates

    Marlee Allen Coldwell Banker D'Ann Harper Land & Ranch Division

    Sendero Ridge, Boerne, TX 78006
  • /21

    $5,572,000

    • Land
    • 313 Acres
    • $17,802 per Acre

    0 Nottingham Ln, Boerne, TX 78006

    313 Acres WNS Ranch, Kendall CountyNottingham Lane, Boerne, TX 78006Less than ten minutes from historic Boerne, WNS Ranch includes breathtaking Hill Country views, expansive valleys, large established trees, and the potential for a variety of additional improvements. In such close proximity to flourishing Boerne, this property would make an ideal weekend getaway or full-time

    Robert Dullnig Dullnig Ranches/ Kuper Sotheby's

    0 Nottingham Ln, Boerne, TX 78006
  • /47

    $14,950,000

    • 6 Beds
    • 6 Baths
    • 6,500 Sq Ft

    729 Farm To Market Road 474, Boerne, TX 78006

    365 Acres Rio Oro Ranch, Kendall CountyDESCRIPTION: Rio Oro Ranch is a fabulous live water property conveniently located just 10 minutes north of main street Boerne with a custom limestone ranch house that blends in seamlessly with the surrounding topography and overlooks a canvas of live oaks and native grassland sweeping down to the Cypress-lined Guadalupe River valley

    Robert Dullnig Dullnig Ranches/ Kuper Sotheby's

    729 Farm To Market Road 474, Boerne, TX 78006
  • /60

    $1,499,000

    • 5 Beds
    • 4.5 Baths
    • 4,826 Sq Ft

    162 Riverwood, Boerne, TX 78006

    Ranch Name:162 Riverwood Perfectly situated across from the private Swede Creek Park in the prestigious, guard-gated community of Cordillera Ranch, this immaculate one-story home built by Stadler Custom Homes offers 4,826 sqft of thoughtfully designed living space on a 2.77-acre lot with mature trees and serene Hill Country views. Inside, you'll find 5 spacious bedrooms and

    Phyllis Company Phyllis Browning Land & Ranch Co

    162 Riverwood, Boerne, TX 78006
  • /23

    $1,341,450

    • 3 Beds
    • 2 Baths
    • 1,800 Sq Ft

    116 Majestic Oaks Dr, Boerne, TX 78006

    Location :Flint Ridge Ranch is a pristine 27-acre property just minutes from Boerne and Comfort off Waring Welfare Road. This exceptional ranch offers live Big Joshua Creek frontage, a gated private entrance off Majestic Oaks Drive, and a mix of well-maintained oaks and cedars. The land features a gradual 100-foot elevation change, leading to an overlook of the properties below with an ideal

    Brian Cook Southern Ranch Sales | Phyllis Browning Land & Ranch Co

    116 Majestic Oaks Dr, Boerne, TX 78006
  • /99

    $2,198,000

    • 4 Beds
    • 4 Baths
    • 4,442 Sq Ft

    Cibolo Ridge Trail, Boerne, TX 78015

    Privately set on 4.98 breathtaking acres in prestigious Boerne ISD, this timeless Colonial-style estate offers an exceptional combination of refined elegance, modern updates, and tranquil Hill Country living just minutes from the charm and conveniences of downtown Boerne. Gracious covered porches on both levels create a striking first impression and provide the perfect setting to enjoy long-range

    Ashley Robertson Kuper Sotheby's International Realty

    Cibolo Ridge Trail, Boerne, TX 78015

Showing Results 121 - 160, Page 4 of 14

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