528

Cameron County TX Homes under $400,000

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  • /2

    $332,500 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,841 Sq Ft

    6828 Mystic Grove St, Brownsville, TX 78526

    Beautiful new construction home with 3 bedrooms, 2.5 baths, double car garage, split floor plan and open concept. All tile floors, quartz counter tops, high ceilings, and neutral colors. Includes a private fence and front lawn!!!House will be ready in about 2-3 weeks.

    Dora Garcia Coldwell Banker La Mansion Real Estate Brownsville

    6828 Mystic Grove St, Brownsville, TX 78526
  • /22

    $388,000 Open Sat 11PM - 2PM

    • 4 Beds
    • 2.5 Baths
    • 2,200 Sq Ft

    2618 Julian Rd, Harlingen, TX 78550

    A stunning and luxurious home design that exudes quality, elegance and a modern feel. This luxury home is expertly crafted with every attention to detail, combining architectural excellence with functional living spaces. Large windows allow ample natural light to flood the interior & create most excitement in your living environment. The open concept floor plan seamlessly connects the main living

    Zintiha G. Loya Keller Williams Lrgv

    2618 Julian Rd, Harlingen, TX 78550
  • /16

    $388,000 Open Sat 11PM - 2PM

    • 4 Beds
    • 2.5 Baths
    • 2,200 Sq Ft

    2618 Julian St Unit 5, Harlingen, TX 78552

    A stunning and luxurious home design that exudes quality, elegance and a modern feel. This luxury home is expertly crafted with every attention to detail, combining architectural excellence with functional living spaces. Large windows allow ample natural light to flood the interior & create most excitement in your living environment. The open concept floor plan seamlessly connects the main living

    Zintiha G. Loya KELLER WILLIAMS LRGV

    2618 Julian St Unit 5, Harlingen, TX 78552
  • /22

    $347,500 New Construction

    • 4 Beds
    • 3.5 Baths
    • 2,021 Sq Ft

    9081 New Orleans Ct, Los Fresnos, TX 78566

    Behind the doors of this brand new home, every detail is designed to impress. Four bedrooms, 3.5 baths, and a layout that flows seamlessly from a quartz island kitchen to a covered patio. The primary suite features a vanity in the closet, while sleek stand-up showers elevate each bathroom. Set on an 8,400 sq ft lot, the backyard is waiting for your vision. This subdivision features natural gas

    Hector Rodriguez RE/MAX Elite Brownsville

    9081 New Orleans Ct, Los Fresnos, TX 78566
  • /3

    $388,570 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,135 Sq Ft

    9708 Heights S Unit 14, Harlingen, TX 78552

    This modern farmhouse presents a harmonious blend of contemporary design and classic charm, ideal for those seeking both style and practicality. The exterior exudes timeless appeal with its gabled roofline, vertical siding, and welcoming covered front porch that enhances its curb appeal. Inside, the open-concept floor plan creates a seamless flow between the living room, kitchen, and dining area,

    Carrie Reyes KELLER WILLIAMS LRGV

    9708 Heights S Unit 14, Harlingen, TX 78552
  • /38

    $325,000 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,786 Sq Ft

    30080 Cactus Flower Dr, Los Fresnos, TX 78566

    Another Beautiful Home Built by Munoz Construction Homes LLC is For Sale Now! New rustic modern farm house home that sits on .82 of an acre. Home features porcelain flooring throughout home, quartz countertops, modern fixtures and plenty of natural lighting and exposed cedar beams. Floor plan offers an open concept space for family entertainment with kitchen overseeing the enormous almost one

    Jesus Angel Rodriguez RCR Real Connect Realty

    30080 Cactus Flower Dr, Los Fresnos, TX 78566
  • /2

    $305,000 New Construction

    • 3 Beds
    • 3.5 Baths
    • 1,849 Sq Ft

    213 Cabernet Ln, San Benito, TX 78586

    Welcome to Le Blanc Subdivision! The newest subdivision in San Benito, Texas! This is our Loire Model and it features an open space concept, clean and modern interior design, a 2 car garage, exterior design with a combination of stucco and brick/veneer, and a functional layout to prioritize space. With a spacious lot of over 7,000 sqft, this home model ensures you have both space inside and

    Graciela Cuevas Excel Realty

    213 Cabernet Ln, San Benito, TX 78586
  • /26

    $307,500 New Construction

    • 4 Beds
    • 3 Baths
    • 1,740 Sq Ft

    2208 Grove Ln, Brownsville, TX 78526

    New Construction!! Welcome to this BEAUTIFUL BRAND NEW 4 bedroom 3 bath home located in the prestigious Palo Alto Subdivision. Conveniently Located near the expressway, Brownsville Sports Park, IDEA School, Space X, SPI, shopping centers, restaurants, grocery stores, gas stations, hospitals and much more. Children can attend IDEA Public Schools or Los Fresnos CISD. This Encino Floor Plan

    Mariela Salazar D1 TEXAS REALTY

    2208 Grove Ln, Brownsville, TX 78526
  • /10

    $329,200 New Construction

    • 3 Beds
    • 2 Baths
    • 1,646 Sq Ft

    3242 Juan Castillo Ave, Port Isabel, TX 78578

    New Construction in the Bahia Point Subdivision Phase III. Another beautiful home by the custom builder, Ricardo Arredondo of Arredondo Builders. 1646 Square Foot open concept, spacious with tile flooring, granite countertops, titled showers, separate soaking tub. Located on a corner lot.

    David Evans David W. Evans & Associates, LP

    3242 Juan Castillo Ave, Port Isabel, TX 78578
  • /6

    $329,200 New Construction

    • 3 Beds
    • 2 Baths
    • 1,646 Sq Ft

    3241 Juan Castillo Ave, Port Isabel, TX 78578

    New construction in the Bahia Point Subdivision Phase III. Another beautiful home by the custom builder, Ricardo Arredondo of Arredondo Builders. 1646 Square Foot open concept, spacious with tile flooring, granite countertops, tiled showers, soaking tub and raised ceilings. Floor plan attached. Just getting started so plenty of time to pick out colors. Located on a corner lot.

    David Evans David W. Evans & Associates, LP

    3241 Juan Castillo Ave, Port Isabel, TX 78578
  • /2

    $378,590 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,961 Sq Ft

    6107 W Palm St, Brownsville, TX 78526

    This stunning new construction, currently in progress, is designed for both comfort and entertaining! Featuring a fully fenced backyard with over 200 sqft of covered outdoor living space, this home is perfect for gatherings year-round. Inside, you'll find a beautiful kitchen that pairs style with functionality, including a unique pass-through window from the kitchen sink to the outdoor space

    Vanessa Cantu KELLER WILLIAMS LRGV

    6107 W Palm St, Brownsville, TX 78526
  • /15

    $319,500 New Construction

    • 2,690 Sq Ft

    2228 N Valley Cir, La Feria, TX 78559

    Don't miss this rare find! ?? This charming duplex is for sale at a great price in a prime location close to everything. Featuring a smart, functional layout, a private backyard for each unit, and beautiful color choices that make it feel fresh and inviting, this property is perfect for investors or owner-occupants alike. A must-see opportunity that won't last long!

    Vanessa Cantu KELLER WILLIAMS LRGV

    2228 N Valley Cir, La Feria, TX 78559
  • /2

    $369,500 New Construction

    • 3 Beds
    • 3 Baths
    • 2,010 Sq Ft

    9857 Heights N, Harlingen, TX 78552

    New Construction in La Feria, Texas – The Heights Subdivision. Discover this stunning modern farmhouse-style home currently under construction in the sought-after Heights subdivision in La Feria. Featuring 3 spacious bedrooms, a dedicated office, and 3 full bathrooms, this home offers over 2,010 square feet of thoughtfully designed living space. Estimated to be completed by the end of October,

    Zintiha G. Loya Keller Williams Lrgv

    9857 Heights N, Harlingen, TX 78552
  • /20

    $314,999 New Construction

    • 3 Beds
    • 2 Baths
    • 1,875 Sq Ft

    23547 Murphy Ct, Harlingen, TX 78552

    Another Beautiful Property built by River Creek Management LLC for sale now. This home is located In very desirable neighborhood/area with convenient access to major roads, shopping, and schools. It features a large kitchen with plenty of cabinet space, quartz countertops, pantry, porcelain flooring, insulation including in the garage, and a large counter that opens to the living and dining

    Jesus Angel Rodriguez RCR Real Connect Realty

    23547 Murphy Ct, Harlingen, TX 78552
  • /29

    $310,000 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,611 Sq Ft

    3735 Avenida Residencial, Brownsville, TX 78526

    This 3 bedroom, 2.5 bath home in Paseo Residencial features a spacious open layout, tile flooring, and thoughtfully selected finishes that elevate the entire living experience. At the center of the home, you'll find a private courtyard that connects seamlessly to an entertainer's covered patio with sink. Conveniently located with a short commute to SpaceX, close to Walmart, dining, Starbucks, and

    Hector Rodriguez RE/MAX Elite Brownsville

    3735 Avenida Residencial, Brownsville, TX 78526
  • /20

    $325,000 New Construction

    • 4 Beds
    • 2 Baths
    • 1,837 Sq Ft

    2321 Brown Pelican Ln, Harlingen, TX 78552

    Step into modern elegance with this brand-new construction in the highly sought-after Pelican Landings Subdivision! Featuring 4 spacious bedrooms, 2 full baths, and a 2-car garage, this home is designed with comfort and style in mind. Located in a thriving area with top-rated schools, plus nearby shopping, dining, and entertainment options. If you're a golf lover, you're in luck—two local country

    OLGA MUNOZ Keller Williams Lrgv

    2321 Brown Pelican Ln, Harlingen, TX 78552
  • /19

    $324,900 New Construction

    • 4 Beds
    • 2.5 Baths
    • 1,835 Sq Ft

    16619 Napper Ln, Primera, TX 78552

    For sale another stylish new home built by J C Garza Construction with refined details throughout- come and tour this 4 bedroom 2.5 bathroom beauty that checks all of your boxes with versatile layout! Step into quality and modern comfort with elegant tiled floors, quartz countertops and custom cabinetry throughout. Enjoy the open-concept layout where the kitchen, living and dining areas flow

    Mary Campos Realty One Group, Modern Edge

    16619 Napper Ln, Primera, TX 78552
  • /30

    $395,000 New Construction

    • 4 Beds
    • 3 Baths
    • 2,070 Sq Ft

    6602 Zoe Dr, Brownsville, TX 78526

    Casa Zoe offers a modern and elevated living experience in one of North Brownsville's most desirable subdivisions. This elegant home features four bedrooms, three bathrooms, double steel-framed front doors with tempered glass, and porcelain tile floors throughout. Large windows fill the space with natural light, highlighting the beautiful craftsmanship and elegant details that make this home

    Hector Rodriguez RE/MAX Elite Brownsville

    6602 Zoe Dr, Brownsville, TX 78526
  • /20

    $325,000 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,777 Sq Ft

    7033 Heliconia Dr, Brownsville, TX 78520

    Step into this beautifully built 2024 home featuring modern plank tile floors, elegant quartz countertops, and high decorative ceilings that elevate the open-concept design. You'll love the spacious mud room, indoor laundry area, and energy-efficient all foam insulation throughout. Enjoy a fully fenced backyard with a covered patio—perfect for outdoor gatherings. This home checks all the boxes

    Daniel Garza DTM Realty, LLC

    7033 Heliconia Dr, Brownsville, TX 78520
  • /33

    $390,000 New Construction

    • 4 Beds
    • 3.5 Baths
    • 2,060 Sq Ft

    6205 MacKenna Dr, Brownsville, TX 78526

    Welcome to Casa Fargo: A beautiful architecture blending timeless style with modern comforts. This home features a stunning white brick exterior, four elegant bedrooms, including an ensuite, three bathrooms, a powder room, and a generous courtyard-style backyard, perfect for adding a custom pool. Located just 10 minutes from shopping, trendy cafs, and fine dining, with a quick commute to SpaceX.

    Hector Rodriguez RE/MAX Elite Brownsville

    6205 MacKenna Dr, Brownsville, TX 78526
  • /13

    $324,500 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,648 Sq Ft

    5343 Sidekick Ave, Brownsville, TX 78526

    Brand new construction featuring spacious open concept floor plan, with modern design, high ceilings, custom cabinetry and built ins, plus a very spacious back and front yard. Must see!!

    Azeneth Badiola Badiola Real Estate LLC

    5343 Sidekick Ave, Brownsville, TX 78526
  • /9

    $348,000 New Construction

    • 4 Beds
    • 2.5 Baths
    • 1,890 Sq Ft

    16713 E Duff Ct, Harlingen, TX 78552

    Welcome to 16713 E Duff Ct — a beautifully designed home offering 4 bedrooms, 2.5 bathrooms, and 1,890 sq ft of living space on a fully landscaped 0.23-acre lot. Step inside and be greeted by soaring ceilings with gorgeous wood beams, an open-concept living area, and custom cabinetry throughout. The kitchen features high-end finishes, ample storage, and walk-in closets that add convenience to

    Jennifer Martinez Mariposa Realty RGV INC

    16713 E Duff Ct, Harlingen, TX 78552
  • /33

    $341,500 New Construction

    • 4 Beds
    • 3 Baths
    • 2,010 Sq Ft

    5613 Hedgerow Ct, Brownsville, TX 78526

    Modern, spacious, New Home centrally located in Garden Oaks Subdivision. This home features 4 bedrooms, 3 full baths, open floorplan, split bedrooms, ceramic tile and quartz countertops throughout. Primary bedroom suite is accented with double vanity and spacious walk-in in closet. This Home could definitely be the ONE!

    Connie Uribe Realty One Group, Modern Edge

    5613 Hedgerow Ct, Brownsville, TX 78526
  • /3

    $341,000 New Construction

    • 3 Beds
    • 2 Baths
    • 1,860 Sq Ft

    642 Esplanade Ct Unit Lot 15, Harlingen, TX 78550

    Welcome to Harlingen Terrace Subdivision Experience modern luxury living in this exclusive gated community featuring beautifully designed townhomes. Residents enjoy private access to owner-only amenities and well-maintained common areas. Conveniently located just minutes from top-rated schools, shopping centers, and popular restaurants—everything you need is just a short distance away. Each

    Zintiha G. Loya KELLER WILLIAMS LRGV

    642 Esplanade Ct Unit Lot 15, Harlingen, TX 78550
  • /4

    $361,990 New Construction

    • 4 - 5 Beds
    • 2.5 - 3.5 Baths
    • 2,571 Sq Ft

    Elm Plan at Paso Real, Harlingen, TX 78550

    The Elm is a two-story home in our Hearth Collection that offers space, comfort, and flexibility. With over 2,500 square feet, this floor plan includes 4 bedrooms, 2.5 bathrooms, and a private study. You can also upgrade to a 5th bedroom or add a casita to fit your family’s needs. The first floor features an open-concept kitchen, dining area, and family room with views of the backyard. The

    Builder Photo

    Esperanza Homes

    Builder

    3818 Paso Drive Dr Unit 36884702, Harlingen, TX 78550
  • /8

    $342,990 New Construction

    • 3 - 5 Beds
    • 2.5 - 3.5 Baths
    • 2,331 Sq Ft

    Hackberry Plan at Paso Real, Harlingen, TX 78550

    The Hackberry is a beautiful two-story home with plenty of space for everyday living and entertainment. Part of our popular Hearth Collection, it features 3 bedrooms and 2.5 bathrooms, with the option to upgrade to 5 bedrooms and 3 full bathrooms. The first floor has an open layout with a bright family room, kitchen, and dining area that looks out to the backyard. The large primary suite includes

    Builder Photo

    Esperanza Homes

    Builder

    3818 Paso Drive Dr Unit 36884682, Harlingen, TX 78550
  • /8

    $331,990 New Construction

    • 3 - 4 Beds
    • 2 - 2.5 Baths
    • 2,254 Sq Ft

    Oak Plan at Paso Real, Harlingen, TX 78550

    The Oak is a spacious single-story home in our Hearth Collection. It offers 3 bedrooms, 2 bathrooms, and a dedicated study, with options to upgrade to 4 bedrooms and 3 full bathrooms. With over 2,200 square feet of beautiful design, the Oak combines everyday comfort with timeless style. At the heart of the home is an open-concept layout that connects the kitchen, dining area and family room. This

    Builder Photo

    Esperanza Homes

    Builder

    3818 Paso Drive Dr Unit 36884678, Harlingen, TX 78550
  • /8

    $301,990 New Construction

    • 3 - 5 Beds
    • 2.5 - 4.5 Baths
    • 2,328 Sq Ft

    Juniper Plan at Paso Real, Harlingen, TX 78550

    The Juniper is a warm and welcoming two-story floor plan from our Haven Collection w ith 3 bedrooms, 2.5 bathrooms, s tudy and game room ac ross 2,328 square feet of living space. It is designed with personalization in mind, offering a variety of upgrade options to suit your lifestyle. The Juniper boasts an open-concept kitchen, dining, and family area bathed in natural light and conveniently

    Builder Photo

    Esperanza Homes

    Builder

    3818 Paso Drive Dr Unit 36884280, Harlingen, TX 78550
  • /8

    $315,990 New Construction

    • 3 - 5 Beds
    • 2.5 - 4.5 Baths
    • 2,328 Sq Ft

    Juniper Plan at Palo Alto Groves, Brownsville, TX 78526

    The Juniper is a warm and welcoming two-story floor plan from our Haven Collection w ith 3 bedrooms, 2.5 bathrooms, s tudy and game room ac ross 2,328 square feet of living space. It is designed with personalization in mind, offering a variety of upgrade options to suit your lifestyle. The Juniper boasts an open-concept kitchen, dining, and family area bathed in natural light and conveniently

    Builder Photo

    Esperanza Homes

    Builder

    2000 Grove Ln Unit 36884243, Brownsville, TX 78526
  • /5

    $322,990 New Construction

    • 3 - 4 Beds
    • 2.5 - 3.5 Baths
    • 2,049 Sq Ft

    Mulberry Plan at Paso Real, Harlingen, TX 78550

    The Mulberry is a spacious two-story home that gives families plenty of room to spread out, enjoy quiet time and make memories together. This 3-bedroom, 2.5-bathroom home is part of our popular Hearth Collection and can be upgraded to 4 bedrooms and 3 bathrooms.The first floor features an open-concept layout where the entryway leads into the family room, kitchen, and dining area. This open design

    Builder Photo

    Esperanza Homes

    Builder

    3818 Paso Drive Dr Unit 36884673, Harlingen, TX 78550
  • /8

    $305,990 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,797 Sq Ft

    Hickory Plan at Paso Real, Harlingen, TX 78550

    A featured home in our Hearth Collection, the Hickory is a charming single-story design offering 3 bedrooms and 2.5 bathrooms, with the flexibility to upgrade to 4 bedrooms and 3 full bathrooms. The inviting layout of the Hickory makes it the perfect backdrop for life’s most meaningful moments. Upon entry, the open concept living area and backyard views draw you into the heart of the home. The

    Builder Photo

    Esperanza Homes

    Builder

    3818 Paso Drive Dr Unit 36884662, Harlingen, TX 78550
  • /25

    $359,000 New Construction

    • 2,160 Sq Ft

    5600 Vidos Dr, Brownsville, TX 78520

    New Duplex with 3 bedrooms 2 bath. Very close proximity to EXPWY 77 and Valley Regional Hospital. Unit has tiled floors, granite countertops, inside laundry, shower bathrooms and private back yard to each unit. Property will be completely fenced in. Make it your homestead by living on one side and renting the other.

    Narda Vera Texas Land Trade Realty, LLC

    5600 Vidos Dr, Brownsville, TX 78520
  • /16

    $312,990 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,045 Sq Ft

    Lantana Plan at Alberta Heights, Edinburg, TX 78539

    Meet the Lantana, one-story floor plan thoughtfully designed to combine style, comfort, and practicality, making it an exceptional choice for families of all sizes. Step onto the welcoming front porch and into an open, airy entryway that leads seamlessly into the heart of the home. The open-concept living area combines the kitchen, dining space, and great room into one cohesive and light-filled

    Builder Photo

    Hakes Brothers

    Builder

    4905 S Landon Ave Unit 36841960, Edinburg, TX 78539
  • /31

    $305,000 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,724 Sq Ft

    359 Valle Alto Dr, Los Fresnos, TX 78566

    Brand new construction ready to welcome its first owners! This beautifully designed 3-bedroom, 2.5 bath offers 1,724 sq. ft. of comfortable living space with modern high-end finishes throughout. Featuring porcelain tile floor, open-concept layout, and a spacious living and dining area, perfect for entertaining. The kitchen boasts custom cabinetry, granite countertops and a large island. Primary

    Mireida Ozuna Real Estate Outfitters Inc

    359 Valle Alto Dr, Los Fresnos, TX 78566
  • /28

    $359,500 New Construction

    • 4 Beds
    • 3.5 Baths
    • 1,933 Sq Ft

    6108 MacKenna Dr, Brownsville, TX 78526

    Check out this brand-new home in the upscale Prisma Heights subdivision! It features 4 bedrooms, 3.5 baths, beautiful and durable porcelain tile flooring, and a stylish open-concept layout with Calacatta quartz countertops in the kitchen and bathrooms. Foam insulation means super low electric bills, and the home sits on a quiet cul-de-sac—perfect and safe for kids. The backyard already has a

    Octavio Javier Singlaterry RE/MAX Sun Valley Realtors

    6108 MacKenna Dr, Brownsville, TX 78526
  • /6

    $358,000 New Construction

    • 4 Beds
    • 3 Baths
    • 1,956 Sq Ft

    8835 Wentz Lake, Brownsville, TX 78520

    Be the first to call this stunning new build home! Located in a highly sought-after summer lakes phase 1 subdivision, this 4 bedroom, 3 bathroom residence stands out with its unique architectural style and warm, earthy brown and beige tones. Inside, you'll find high ceilings, beautiful tile flooring, and spacious walk-in closets throughout. The home also features double garages, both in the front

    MARISOL MELGUIZO LEGACY REALTY GROUP RGV

    8835 Wentz Lake, Brownsville, TX 78520
  • /5

    $347,000 New Construction

    • 4 Beds
    • 3 Baths
    • 1,878 Sq Ft

    8702 Ashford Lake, Brownsville, TX 78526

    Be the first to own this stunning new construction in the highly desired summer lakes phase 1 community! Currently still under construction, this spacious 4 bedroom, 3 bathroom home is being thoughtfully designed with modern living in mind. Featuring high ceilings, generous walk-in closets, and a beautifully planned kitchen space perfect for entertaining and everyday life. Located in one of the

    MARISOL MELGUIZO LEGACY REALTY GROUP RGV

    8702 Ashford Lake, Brownsville, TX 78526
  • /29

    $347,000 New Construction

    • 3 Beds
    • 3.5 Baths
    • 2,025 Sq Ft

    2402 S Christian Cir, Harlingen, TX 78550

    New Custom-Built Home with Brick & Stone Exterior: Welcome to this stunning custom-built residence where quality craftsmanship meets traditional elegance. Nestled on a quiet cul-de-sac, this home offers both privacy and charm in a prime location. The interior features an open concept layout that seamlessly connects the living, dining, and kitchen areas—perfect for modern living and entertaining.

    PERLA GALVAN COLDWELL BANKER IMPACT PROPERTIES

    2402 S Christian Cir, Harlingen, TX 78550
  • /22

    $335,000 New Construction

    • 3 Beds
    • 3 Baths
    • 1,959 Sq Ft

    5255 Tumbleweed Ct, Brownsville, TX 78526

    New Construction in a Great Subdivision, near restaurants, shopping centers, walking trail, hospitals and much more.

    Teresa Marquez Encore Fine Properties

    5255 Tumbleweed Ct, Brownsville, TX 78526
  • /7

    $319,000 New Construction

    • 4 Beds
    • 3 Baths
    • 1,856 Sq Ft

    4133 Rhine River St, Brownsville, TX 78526

    House is under Construction and will be ready in about 4 weeks (more or less) Beautiful Home with a great layout, walking pantry, big kitchen Island and open concept. 4 Bedrooms and 3 full baths.

    Teresa Marquez Encore Fine Properties

    4133 Rhine River St, Brownsville, TX 78526

Showing Results 441 - 480, Page 12 of 14

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