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Clarksville, TN Homes for Sale with No HOA Fee

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  • /20

    $208,500

    • 3 Beds
    • 1.5 Baths
    • 1,001 Sq Ft

    220 Cranklen Cir, Clarksville, TN 37042

    3bed /1.5 bath home near Fort Campbell blvd -3 Minutes to Gate 1 Entrance of Fort Campbell Military Base.3Bed/1.5 Bath1,001 sq/ftLot - 8,712Year - 1999Move in ready.Spacious high vaulted living room ceilings.Large fenced in back yard.Full 3 bedroom layout with 1.5 bathrooms.Large front facing upstairs attic.Front porch & upgradable deck.

    Daniel Demers Sell Your Home Services, LLC

    220 Cranklen Cir, Clarksville, TN 37042
  • /26

    $285,000

    • 3 Beds
    • 2 Baths
    • 1,244 Sq Ft

    838 Samantha Ln, Clarksville, TN 37040

    Beautifully updated, move-in-ready home offering the perfect blend of modern features, low-maintenance living, and strong investment potential. Fully renovated from top to bottom, this home feels practically brand new inside and out. It features new appliances, updated HVAC and electrical systems, a new water heater, and stylish flooring, washer and dryer, garage door and opener, providing both

    Sammi Hoffman Nashville on The Market Real Estate

    838 Samantha Ln, Clarksville, TN 37040
  • /25

    $275,000

    • 3 Beds
    • 3 Baths
    • 1,536 Sq Ft

    11 Proctor Dr, Clarksville, TN 37043

    Don’t miss your chance to own this beautifully renovated home situated on a desirable corner lot in a peaceful neighborhood undergoing exciting renovations and revitalization. This property offers the perfect blend of modern comfort and lasting value in an area poised for growth.Inside, you’ll find thoughtful upgrades throughout, including luxury vinyl flooring for a clean, durable finish

    Ethan Yeiter Keller Williams Realty Clarksville

    11 Proctor Dr, Clarksville, TN 37043
  • /31

    $336,500

    • 3 Beds
    • 2.5 Baths
    • 2,169 Sq Ft

    2161 Amadeus Dr, Clarksville, TN 37040

    THIS IS IT and it comes with a 1 year HOME WARRANTY though FIRST AMERICAN! This beauty has new cabinets throughout, STUNNING granite countertops, and new flooring! The BEST part? ALL NEW WINDOWS! It also boasts brand new lighting and trendy fixtures! Did I mention NEW APPLIANCES?! The split level floor plan allows for creativity and plenty of space for friends and family! Lots of large windows

    Sabrina Aubrie Sweet Home Realty and Property Management

    2161 Amadeus Dr, Clarksville, TN 37040
  • /26

    $345,000

    • 3 Beds
    • 2 Baths
    • 1,675 Sq Ft

    1257 Elizabeth Ln, Clarksville, TN 37042

    Located in a cul-de-sac with a tree lined back yard and NO HOA! This beautiful ranch style home is equipped with so many extras! Living room has tall ceilings, fireplace & big windows overlooking your covered deck and private back yard. The kitchen features lots of cabinetry, a bar area to serve guests or enjoy quick meals, custom lighting, eat in area, stainless steel appliances and pantry.

    Dorothy Havens Keller Williams Realty Clarksville

    1257 Elizabeth Ln, Clarksville, TN 37042
  • /33

    $300,000

    • 3 Beds
    • 2 Baths
    • 1,422 Sq Ft

    1823 Camelot Dr, Clarksville, TN 37040

    Brand New LVP Floors and New Paint throughout home and freshly painted deck! Step into this beautiful 3 bedroom, 2 bath ranch home featuring a bright and open-concept floor plan. The heart of the home boasts a spacious kitchen complete with sleek stainless steel appliances, perfect for creating culinary masterpieces. Enjoy the convenience of a dedicated primary bedroom suite, offering a private

    Richard Palmer Benchmark Realty

    1823 Camelot Dr, Clarksville, TN 37040
  • /34

    $229,900

    • 3 Beds
    • 1 Bath
    • 1,288 Sq Ft

    2027 Montgomery Pkwy, Clarksville, TN 37043

    ALL BRICK close to everything!!! In a very established neighborhood right in the heart of Sango!! Large formal living room with hardwood floors. All 3 bedrooms have fabulous original wood details in them. There is a den and what would make a GREAT office that has a door to the rear yard. Pretty tree lined back yard with mature landscaping. Come back this little gem of Clarksville your retreat.

    Monica Trigueros Sweet Home Realty and Property Management

    2027 Montgomery Pkwy, Clarksville, TN 37043
  • /28

    $315,000

    • 4 Beds
    • 2 Baths
    • 1,750 Sq Ft

    312 Nice Dr, Clarksville, TN 37042

    Beautiful All brick 4 bedroom two bath split level home! Kitchen has tile flooring, new stainless fridge, built-in oven, and cooktop. Main level has kitchen, Large living room with LVP flooring, dining room. Upstairs has 3 bedrooms and one full bath. Basement has the master bedroom with a large sitting room and a beautifully renovated full bath with tile and laundry closet. New Water heater

    Sharon Burrage Agape Realty & Management

    312 Nice Dr, Clarksville, TN 37042
  • /21

    $579,900

    • 4 Beds
    • 3 Baths
    • 2,466 Sq Ft

    262 Rossview Rd, Clarksville, TN 37043

    Welcome to the "Quickley" by BRM Homes, a stunning new construction home designed for modern living. Upon entry, you are greeted by an inviting living room and dining room combination, perfect for entertaining. The dining area features sliding doors that lead to a private patio. The kitchen is a chef's dream, boasting quartz countertops, ample cabinet storage, and stainless appliances. On the

    Sydney Hedrick Byers & Harvey Inc.

    262 Rossview Rd, Clarksville, TN 37043
  • /21

    $399,900

    • 3 Beds
    • 2.5 Baths
    • 2,156 Sq Ft

    1427 Ambleside Dr, Clarksville, TN 37040

    This stunning home has been fully renovated from top to bottom! Featuring brand-new HVAC units with updated ductwork, all new electrical and plumbing systems, fresh paint throughout, and sleek new appliances. The kitchen & bathrooms shine with brand new all-wood soft-close cabinets and updated fixtures, while new flooring flows seamlessly throughout the home. The spacious bonus room includes a

    Linda Singletary Center Point Real Estate

    1427 Ambleside Dr, Clarksville, TN 37040
  • /4

    $40,000

    • Land
    • 0.32 Acre
    • $125,000 per Acre

    0 9th St, Clarksville, TN 37040

    Great lot Zoned R3, walking distance to Austin Peay campus, in an area with lots of new construction on 9th street as well as the neighboring streets, does not have the hassle of heavy deed restrictions that come with lots in new developments, no HOA, priced to sell, period - nothing more to say, get it before it's gone.

    Doreen Lynch Coldwell Banker Conroy, Marable & Holleman

    0 9th St, Clarksville, TN 37040
  • /9

    $710,000

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

    2461 Ellsworth Dr, Clarksville, TN 37043

    Step into modern elegance with this stunning all brick new construction home, perfectly situated on a level lot in the desirable Bellshire neighborhood. Featuring 4 spacious bedrooms, 3 full bathrooms, plus an office or flex room. The open-concept layout is designed with clean lines, high ceilings, and designer finishes throughout. Enjoy cozy evenings by one of the two sleek fireplaces or host

    Kellye Zamata Century 21 Platinum Properties

    2461 Ellsworth Dr, Clarksville, TN 37043
  • /43

    $229,900

    • 3 Beds
    • 2 Baths
    • 1,111 Sq Ft

    3416 Minor Dr, Clarksville, TN 37042

    This cute 1 story11100 sq ft home sits on a .4 ACRE lot with a chain-link fenced-in back yard. NO HOA! HVAC 5 years old! Large front and backyards! Waiting for a Buyer's TLC and/or updating! So much as HOME, RENTAL OR INVESTMENT PROPERTY to pass up at this price-point and location! location! location! Pembrook Place is a lovely community, approximately 7-10 minutes from Fort Campbell GATE

    Ana Maria Chiafalo Benchmark Realty

    3416 Minor Dr, Clarksville, TN 37042
  • /49

    $680,000

    • 4 Beds
    • 6 Baths
    • 4,592 Sq Ft

    1775 Spring Water Dr, Clarksville, TN 37040

    BRICK 4 Unit Quadplex Some Freshly Painted, with New Refrigerator and Stove. Each unit is a Townhouse style with 2 bedrooms & 2.5 bathrooms. Nice floorplan & easy to rent. Each unit is fully equipped with all appliances, including a washer & dryer. Plenty of parking for tenants on the asphalt parking lot (off-street). Great location, close to shopping, restaurants & the Interstate, and Fort

    Leslie Pointer Benchmark Realty, LLC

    1775 Spring Water Dr, Clarksville, TN 37040
  • /26

    $290,000

    • 3 Beds
    • 2 Baths
    • 1,613 Sq Ft

    2583 Cider Dr, Clarksville, TN 37040

    NO HOA | UPDATED HOME | SELLER CONCESSIONS + LENDER CREDIT AVAILABLE! This 3-bedroom (& bonus room), 2-bath home has an open floor plan that offers comfort, style, and upgrades throughout, AND it’s just minutes from Ft. Campbell and local shopping. Step inside to find fresh paint, new flooring (2022), and a bright, open living area! The kitchen features stunning KraftMaid soft-close cabinets,

    Lauren Neu Keller Williams Realty Clarksville

    2583 Cider Dr, Clarksville, TN 37040
  • /16

    $850,000

    • 5 Beds
    • 7 Baths
    • 3,800 Sq Ft

    1150 Lafayette Rd, Clarksville, TN 37042

    This unique home offers the perfect blend of comfort, luxury, and outdoor living. With a sprawling backyard oasis that includes a hot tub, sparkling pool, and not one, but TWO covered decks, this property is an entertainer’s dream. Whether you’re hosting friends, enjoying a peaceful evening under the stars, or simply relaxing by the pool, this home provides an unparalleled escape. This is a rare

    Heather Stout Jason Mitchell Real Estate Tennessee LLC

    1150 Lafayette Rd, Clarksville, TN 37042
  • /26

    $199,000

    • 3 Beds
    • 1 Bath
    • 1,000 Sq Ft

    909 Lucas Ln, Clarksville, TN 37040

    Located just minutes from Austin Peay State University, this adorable 3-bedroom, 1-bath home is full of potential! Whether you're a first-time buyer or an investor looking for a turnkey rental, this property is a fantastic opportunity. Enjoy a cute, manageable yard perfect for relaxing or low-maintenance living, and take advantage of the concrete driveway for easy off-street parking. Major

    Jacqlyn Elliott Century 21 Platinum Properties

    909 Lucas Ln, Clarksville, TN 37040
  • /17

    $239,900

    • 3 Beds
    • 2 Baths
    • 1,184 Sq Ft

    307 Burch Rd, Clarksville, TN 37042

    This is a beautiful house that's been well maintained with a great location between gate 2 & 3. Sought after West Creek Schools. Step into rare open concept at this size and price. Split bedroom floor plan, two bedroom up front , large living room opens to kitchen dinning combo, full back splash. Spacious primary suite with walk in closet. Large covered deck with electric. Large carport. New

    VIANNELYS AREYAN Sweet Home Realty and Property Management

    307 Burch Rd, Clarksville, TN 37042
  • /26

    $299,900

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

    3537 Southwood Dr, Clarksville, TN 37042

    Have you been waiting for the perfect floorplan? Well then WELCOME HOME!! Brick front!! Walk into one of the prettiest ranches around. Large living room opens to eat in dining with lovely bay window (perfect place for bench seating). Beautiful kitchen with upgraded cabinets and the perfect work zone arrangement!! Window over sink looks out over the backyard. Primary bedroom has his and HERS

    Monica Trigueros Sweet Home Realty and Property Management

    3537 Southwood Dr, Clarksville, TN 37042
  • /54

    $278,000

    • 3 Beds
    • 2 Baths
    • 1,179 Sq Ft

    608 Hollow Crest, Clarksville, TN 37042

    Welcome to 608 Hollow Crest, a well-maintained home in desirable Northwest Clarksville, just minutes from Fort Campbell. Located in a quiet neighborhood, this home is perfect for military families, first-time buyers, or anyone seeking comfort and convenience in a growing area.Built just six years ago, this 3-bedroom, 2-bathroom home sits on a level slab foundation, offering easy

    David Greene Crye-Leike, Inc., REALTORS

    608 Hollow Crest, Clarksville, TN 37042
  • /14

    $575,000

    • Land
    • 1.33 Acres
    • $432,331 per Acre

    2255 Fort Campbell Blvd, Clarksville, TN 37042

    Check out this open canvas of a lot! High traffic Fort Campbell Blvd and over an acre of flat area.

    Jacob Bumpus 24 Realty

    2255 Fort Campbell Blvd, Clarksville, TN 37042
  • /78

    $439,000

    • 3 Beds
    • 3 Baths
    • 2,413 Sq Ft

    319 Red Coat Run, Clarksville, TN 37043

    Welcome to this beautifully updated ranch-style home nestled on a spacious .68-acre fully backyard fenced lot with mature trees, no immediate rear neighbors, and a charming half-circle driveway. Located in the popular community of Sango, you can enjoy relaxing mornings on the covered front porch with cedar-wrapped columns or entertaining on the deck and patio overlooking the peaceful backyard.

    Steve Calles Byers & Harvey Inc.

    319 Red Coat Run, Clarksville, TN 37043
  • /42

    $314,900

    • 3 Beds
    • 4 Baths
    • 1,823 Sq Ft

    1888 Apache Way, Clarksville, TN 37042

    Welcome to 1888 Apache Way – Family-Friendly, Move-In Ready, and Full of Possibilities!Price to sell at $314,900 – Plus a Complimentary One Year Home Warranty // Extra 1% incentive to go towards closing cost and or interest rate buy down with the use of sellers preferred lender, CareyAnn & MyMortgage Team NMLS 160055 ~ 615-456-4456Recent Updates & Features You'll Love: New flooring

    Preston Roberts Synergy Realty Network, LLC

    1888 Apache Way, Clarksville, TN 37042
  • /7

    $50,000

    • Land
    • 1.47 Acres
    • $34,014 per Acre

    1276 Cumberland Heights Rd, Clarksville, TN 37040

    Beautiful 1.47 acre parcel is ready for you! This level, partially cleared, partially wooded lot offers privacy and natural beauty, with mature trees providing shade and a serene atmosphere. Situated in a quiet county setting, with all the benefits of being inside of Clarksville. Water and electric available at the street. Don’t miss your chance to own a piece of land!

    Hannah Price eXp Realty

    1276 Cumberland Heights Rd, Clarksville, TN 37040
  • /25

    $358,900

    • 3 Beds
    • 2.5 Baths
    • 2,080 Sq Ft

    3753 Windmill Dr, Clarksville, TN 37040

    Come see this three bedroom 2 1/2 bath home that has hardwood floors on main floor and upstairs in bonus room, which could be used as a 4th bedroom with bath. This also features a very large primary suite that could accommodate large furnishings. This house is also a smart home.

    Susanne Flynn Flynn Realty

    3753 Windmill Dr, Clarksville, TN 37040
  • /39

    $475,000

    • 4 Beds
    • 2.5 Baths
    • 2,450 Sq Ft

    1025 Brightwood Ct, Clarksville, TN 37043

    This beautifully maintained home features a modern kitchen with stainless steel appliances, and a spacious island perfect for entertaining. The open layout offers updated flooring and a light-filled living space. The primary suite is a peaceful retreat with tray ceilings and plenty of natural light. Enjoy the covered back deck overlooking a private, wooded yard—ideal for relaxing or hosting

    Linda Singletary Center Point Real Estate

    1025 Brightwood Ct, Clarksville, TN 37043
  • /92

    $1,495,000

    • 4 Beds
    • 4.5 Baths
    • 5,615 Sq Ft

    563 Pond Apple Rd, Clarksville, TN 37043

    CUSTOM LUXURY ON THE RED RIVER – A MUST SEE! Prepare to be impressed by this one-of-a-kind home featuring custom finishes throughout and located on 1.13 acres with no backyard neighbors, backing up to the scenic Red River. This expansive home offers 4 bedrooms, 4.5 bathrooms, a bonus room, gathering room, sun room, formal dining, living room, and kitchen/breakfast area—perfectly designed for

    Kathy Littleton Coldwell Banker Conroy, Marable & Holleman

    563 Pond Apple Rd, Clarksville, TN 37043
  • /33

    $339,900

    • 3 Beds
    • 2 Baths
    • 1,303 Sq Ft

    2281 Dewitt Dr, Clarksville, TN 37043

    Charming All-Brick Home in Prime Hilldale Location Welcome to this beautifully maintained all-brick home nestled in the highly desirable Hilldale area, just across from Richview Middle School and Clarksville High School. This residence offers the perfect blend of classic brick ranch charm and modern updates, with a thoughtfully designed floor plan boasting 3 bedrooms and 2 full bathrooms and

    Sydney Hedrick Byers & Harvey Inc.

    2281 Dewitt Dr, Clarksville, TN 37043
  • /46

    $372,000

    • 4 Beds
    • 2.5 Baths
    • 2,209 Sq Ft

    764 Crestone Ln, Clarksville, TN 37042

    Check out this well maintained 2 story home! Open concept on the main level with LVP flooring , granite countertops, and abundance of cabinetry in the eat in kitchen. Upstairs boasts 4 bedrooms, walk in closets, primary suite with a full bath- soaking tub, separate shower and walk in closets. Outside is perfect for entertainment with a covered deck encased in a privacy fence for seclusion.

    Brice Lewis Century 21 Platinum Properties

    764 Crestone Ln, Clarksville, TN 37042
  • /17

    $299,000

    • 4 Beds
    • 2.5 Baths
    • 1,681 Sq Ft

    546 Falkland Cir, Clarksville, TN 37042

    PRICED UNDER RECENT APPRAISED VALUE!! Beautiful and functional two-story home in a quiet, close-knit neighborhood. Location is ideal for families seeking comfort and convenience. The well designed layout includes a spacious main-level primary suite with a full bath that has dual sinks and a walk-in closet. The open-concept living area features a cozy fireplace and flows into a well-equipped

    Rob Harris Crye-Leike, Inc., REALTORS

    546 Falkland Cir, Clarksville, TN 37042
  • /45

    $343,500

    • 3 Beds
    • 2 Baths
    • 1,615 Sq Ft

    2101 Ferry Rd, Clarksville, TN 37040

    Tucked away on a peaceful, tree-lined lot just minutes from the Cumberland River, this adorable two-story home offers the perfect mix of comfort, charm, and convenience. Sitting on just over an acre, this home features all bedrooms on the main level, a light-filled open living space, and a spacious finished basement bonus room—perfect for a second living area, playroom, or home

    Maggie Lawrence The Bogetti Partners

    2101 Ferry Rd, Clarksville, TN 37040
  • /20

    $235,000

    • 3 Beds
    • 2 Baths
    • 1,232 Sq Ft

    1586 Boxcroft Rd, Clarksville, TN 37042

    Charming 3-Bedroom Ranch in Clarksville!This well-maintained (new carpet 2025,hvac 2023)1-story home features 3 comfortable bedrooms, 2 bath, and a spacious eat-in kitchen—perfect for casual dining and entertaining. The dedicated laundry room offers convenient washer/dryer connections. Located in a quiet, established neighborhood with easy access to schools, shopping, and Fort Campbell.

    Kala Wiles EVOLVE Real Estate, LLC

    1586 Boxcroft Rd, Clarksville, TN 37042
  • /13

    $325,000

    • 3 Beds
    • 1.5 Baths
    • 3,100 Sq Ft

    623 Bay Ln, Clarksville, TN 37042

    Spacious & Stylish Living in Clarksville – 3,100 Sq Ft with Finished BasementWelcome to 623 Bay Ln, Clarksville, TN—a beautifully updated home offering 3,100 sq ft of flexible living space, perfect for growing families, entertainers, or anyone needing room to spread out. With fresh paint, new trim, a brand new deck, updated landscaping, and all stainless steel appliances staying, this

    MaKenzie Griffis Grateful Acres Realty

    623 Bay Ln, Clarksville, TN 37042
  • /5

    $564,000

    • Land
    • 10 Acres
    • $56,287 per Acre

    0 Harper Rd Unit RTC2945401, Clarksville, TN 37043

    Possiblities abound. Subdivide into separate lots or Turn this 10.02 acre blank slate into your dream estate. Rolling hills and towering hardwoods create a private escape right in the heart of Sango just minutes to grocery stores, shopping and restaurants. Nothing like this on the market. Zoned for residential. Could be subdivided. There are 2 tracts. NO SEWER to either one tract.

    Michael Connerth Connerth & Co. Realty & Property Management

    0 Harper Rd Unit RTC2945401, Clarksville, TN 37043
  • /47

    $750,000

    • 3 Beds
    • 2.5 Baths
    • 3,336 Sq Ft

    243 Bellshire Dr, Clarksville, TN 37043

    Beautiful 3-Bedroom Home with Bonus Room in Sango that checks all the boxes! This stunning 3-bedroom, 2.5-bath home with a spacious bonus room - perfect as a 4th bedroom - is located in the desirable Sango area. Step inside to a welcoming foyer featuring two coat closets and a convenient half bath. The kitchen is a dream with stainless steel appliances (double ovens, cooktop, microwave,

    Kathy Littleton Coldwell Banker Conroy, Marable & Holleman

    243 Bellshire Dr, Clarksville, TN 37043
  • /100

    $1,600,000

    • 3 Beds
    • 3.5 Baths
    • 3,316 Sq Ft

    870 Oak Plains Rd, Clarksville, TN 37043

    Welcome to Your Private Equestrian Oasis at 870 Oak Plains Rd! Nestled on 14.75 beautifully fenced acres, this stunning 3,316 sq ft estate offers the perfect blend of luxury living and country charm. Featuring 3 spacious bedrooms, 1 office or flex room, and 3.5 bathrooms, this home has space and style to spare. Step into the huge baker’s kitchen, ideal for entertaining, and enjoy gatherings in

    Cindy Greene Byers & Harvey Inc.

    870 Oak Plains Rd, Clarksville, TN 37043
  • /30

    $325,000

    • 3 Beds
    • 2.5 Baths
    • 2,230 Sq Ft

    2217 Kim Dr, Clarksville, TN 37043

    Nice Home in Charleston Estates!Welcome to this spacious split foyer located in the desirable Charleston Estates with convenient access to I-24 and just minutes from shopping, dining, and entertainment.The main level features a bright and open layout with 3 bedrooms and 2 full baths, a formal dining room, and a well-appointed kitchen that opens to a large deck—perfect for outdoor

    Mark Holleman Coldwell Banker Conroy, Marable & Holleman

    2217 Kim Dr, Clarksville, TN 37043
  • /25

    $325,000

    • 3 Beds
    • 2.5 Baths
    • 1,817 Sq Ft

    1911 Claymont Dr, Clarksville, TN 37040

    Stunning Updated Colonial Home – Move-In Ready! This beautifully remodeled Colonial-style home seamlessly blends timeless charm with modern upgrades. From its elegant exterior to its thoughtfully designed interior, this home offers both comfort and sophistication. Step into a warm and inviting living room, complete with a striking stone chase wood-burning fireplace, perfect for cozy evenings. The

    Mary McCooley Berkshire Hathaway HomeServices PenFed Realty

    1911 Claymont Dr, Clarksville, TN 37040
  • /42

    $269,900

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

    15 Bond St, Clarksville, TN 37040

    Welcome to 15 Bond Street, Clarksville, TN!This beautifully remodeled 3-bedroom, 2.5-bathroom home offers 1,800 square feet of stylish, functional living space in the heart of Clarksville. Perfectly situated near downtown, I-24, Wilma Rudolph Blvd., shopping, and APSU, this property delivers both comfort and convenience.Step inside to discover a unique layout filled with modern

    Sydney Hedrick Byers & Harvey Inc.

    15 Bond St, Clarksville, TN 37040
  • /31

    $237,999

    • 3 Beds
    • 2 Baths
    • 1,066 Sq Ft

    354 Donna Dr, Clarksville, TN 37042

    NO REAR NEIGHBORS!! This updated ranch has a new roof, and modern finishes— 3-bedroom, 2-bath home is truly move-in ready! Just 12 minutes from Fort Campbell! Featuring fresh paint, an open inviting layout, this home blends comfort with style. The upgraded kitchen shines with stainless steel appliances and plenty of cabinet space, while the adjoining laundry/mud room adds everyday convenience.

    Leia Simmons Century 21 Platinum Properties

    354 Donna Dr, Clarksville, TN 37042

Showing Results 361 - 400, Page 10 of 18

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