4,801

Cook County IL Houses for Sale

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  • /28

    $159,000

    • 3 Beds
    • 1 Bath
    • 1,068 Sq Ft

    2352 W 157th Place, Harvey, IL 60426

    Freshly rehabbed and painted 3 bedroom one bath home with oversize garage. Vacant corner lot adjacent owned and maintained by the City of Markham gives open low density feeling.

    Steve Cotsirilos Lifestyle Properties

    2352 W 157th Place, Harvey, IL 60426
  • /4

    $299,900

    • 7 Beds
    • 2 Baths
    • 2,200 Sq Ft

    1103 W 16th St, Chicago, IL 60608

    Calling all investors and rehabbers! Check out this extremely rare brick workers cottage on a full-sized lot in the heart of east Pilsen. Bring this home back to life. Needs some TLC for this 7 bed 2 bath house featuring 4 bedrooms on the upper level and 3 in the lower level. Run your numbers and schedule a showing! Sold AS IS

    Frank Montro Keller Williams Preferred Rlty

    1103 W 16th St, Chicago, IL 60608
  • /20

    $214,000

    • 3 Beds
    • 2 Baths
    • 1,008 Sq Ft

    12604 S Yale Ave, Chicago, IL 60628

    Welcome to 12604 S. Yale - positioned on a tree-lined block where comfort, convenience, and thoughtful updates come together! This beautifully maintained, move-in ready raised ranch offers 3 spacious bedrooms and 2 full bathrooms, perfect for comfortable living and entertaining. Enjoy peace of mind with major upgrades already done for you, including a new asphalt side drive, newer roof, newer

    Chantill Fisher Greer Keller Williams Preferred Realty

    12604 S Yale Ave, Chicago, IL 60628
  • /24

    $459,000 Open Sun 11AM - 1PM

    • 3 Beds
    • 2 Baths
    • 1,246 Sq Ft

    1530 S Greenwood Ave, Park Ridge, IL 60068

    BEAUTIFUL SOUTHWEST WOODS 3BR 2 FULL BATH BRICK SPLIT LEVEL THAT IS SITUATED ON AN EXTRA WIDE 66' LOT. THIS PROPERTY FEATURES TOTALLY REMODELED KITCHEN 2022 INCLUDING NEW CABINETS, QUARTZ COUNTERTOPS NEWER APPLIANCES. THIS HOME HAS 2 REMODELED BATHROOMS, ALL REFINISHED HARDWOOD FLOORING ON 1ST AND 2ND FLOORS AND CARPETING IN LOWER LEVEL FAMILY ROOM. THERE IS A NEWER HOT WATER HEAT BOILER PLUS AN

    ANTHONY PURCELL Coldwell Banker Realty

    1530 S Greenwood Ave, Park Ridge, IL 60068
  • /35

    $409,000 Open Sat 11AM - 1PM

    • 3 Beds
    • 2 Baths
    • 1,429 Sq Ft

    1200 Downing Dr, Hoffman Estates, IL 60192

    Welcome to 1200 Downing Drive in Hoffman Estates - a move-in ready ranch home offering comfort, convenience, and a prime location in the highly sought-after District 211, home to top-rated William Fremd High School. This 3-bedroom, 2-bathroom home features 1,429 square feet of thoughtfully laid-out living space, with everything easily accessible on the main level. Ideal for anyone seeking

    Bob Wisdom RE/MAX Horizon

    1200 Downing Dr, Hoffman Estates, IL 60192
  • /4

    $264,900

    • 3 Beds
    • 1 Bath
    • 1,125 Sq Ft

    3817 W 61st Place, Chicago, IL 60629

    Charming, all brick home in the sought after West Lawn neighborhood. 3 bedrooms, 1 bathroom, full basement and detached garage. Submit an offer and make this your summer project. Room sizes and counts are estimates. The property must be listed a minimum of 8 FULL days before offers can be reviewed.

    Michael Olszewski Area Wide Realty

    3817 W 61st Place, Chicago, IL 60629
  • /29

    $485,000 Open Sat 11AM - 1PM

    • 4 Beds
    • 3 Baths
    • 1,700 Sq Ft

    3812 N Pioneer Ave, Chicago, IL 60634

    Spacious & Bright 4 +1 -Bedroom Home in Prime Northwest Side Location! Welcome to this beautifully maintained 4+1-bedroom, 3-bathroom home, set on an oversized lot in one of Chicago's most desirable neighborhoods. Nestled on a quiet, tree-lined street, this sun-filled home offers three levels of comfortable living space. The main level features a large living and dining area with gleaming

    Maria Montes De Oca Keller Williams Premiere Properties

    3812 N Pioneer Ave, Chicago, IL 60634
  • /28

    $255,000

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

    13118 S Buffalo Ave, Chicago, IL 60633

    Take a look at this truly unique Hegewisch home on an extra wide lot with a picturesque back yard that boasts a two-tier composite deck with tons of shade. Home features 2 bedrooms, 1 bath, 9 foot ceilings, 500 sq foot finished basement with large 350 sq foot laundry / utility room, Pella windows and doors, well maintained whole house backup generator and 2 car garage. Roof is 4 years. Central

    Angel Avalos Bloom/Sanchez Realty, Inc.

    13118 S Buffalo Ave, Chicago, IL 60633
  • /35

    $1,237,500

    • 5 Beds
    • 4.5 Baths
    • 4,500 Sq Ft

    5417 Lawn Ave, Western Springs, IL 60558

    Welcome to this lovely and pristinely kept home in the Forest Hills section of Western Springs. Set on a huge 60 x 187 foot lot, this property will steal your heart. Built in 2005 with many updates along the way and a refresh in 2023, this home is turn key with all the charm you would expect. Five full bedrooms all with walk in closets and beautiful natural light with treetop and garden views.

    Cara Buffa Berkshire Hathaway HomeServices Chicago

    5417 Lawn Ave, Western Springs, IL 60558
  • /33

    $327,900

    • 3 Beds
    • 1 Bath
    • 1,500 Sq Ft

    4633 Rose St, Schiller Park, IL 60176

    Wow! Don't miss this beautifully maintained home in a prime Schiller Park location! Situated on a rare, extra-large lot, this property offers an open and inviting layout that's perfect for modern living.Step inside to find a bright and spacious living area with hardwood floors, Nice kitchen with plenty of room to entertain. This home offers 3 bedrooms plus a dedicated office space-ideal for

    Rafael Ruiz Ruiz Realty, Inc.

    4633 Rose St, Schiller Park, IL 60176
  • /26

    $299,900

    • 4 Beds
    • 2 Baths
    • 1,986 Sq Ft

    531 E 89th Place, Chicago, IL 60619

    Welcome to this 4 bedroom, 2 bathroom Chicago bungalow. This is a quality rehab! The open-concept layout offer a moder look and style. The brand-new gleaming hardwood floors flow seamlessly throughout, adding a touch of luxury to every step. The spacious living room is designed to impress, offering abundant natural light alongside custom lighting features that enhance the atmosphere. The

    Maribel Castillo Sanchez RE/MAX MI CASA

    531 E 89th Place, Chicago, IL 60619
  • /25

    $324,900 Open Sat 10:30AM - 12PM

    • 4 Beds
    • 3 Baths
    • 2,654 Sq Ft

    8211 S Cornell Ave, Chicago, IL 60617

    Welcome to this magnificent 4 bedroom/3 bathroom 3-story home, updated to today's style! Gorgeous dark hardwood flooring sets a sophisticated tone as you enter the home, complemented by the over-sized white casement trim and doors that create a fresh and elegant atmosphere. Main level provides a large living and dining room, as well as a spacious family room for memorable gatherings. Spacious

    Lisa Foster @properties Christie's International Real Estate

    8211 S Cornell Ave, Chicago, IL 60617
  • /15

    $475,000 Open Sat 11AM - 1:30PM

    • 4 Beds
    • 3 Baths
    • 2,057 Sq Ft

    2618 W Rice St, Chicago, IL 60622

    Prime West Town/Ukrainian Village Location! Nestled on a quiet, tree-lined cul-de-sac between Chicago Avenue and Division Street, this charming brick two-story home offers the perfect blend of city convenience and residential tranquility. Just steps away from popular restaurants, shops, and parks. The main level features hardwood floors throughout the spacious living room, dining area, and family

    Linette Thompson Baird & Warner

    2618 W Rice St, Chicago, IL 60622
  • /21

    $240,000

    • 4 Beds
    • 2 Baths

    15666 Woodlawn Ave E, South Holland, IL 60473

    Take pride in owning this lovely 4-bedroom, 2-bathroom brick ranch that offers a finished basement and a detached 2-car garage. Upon entering, you'll immediately notice the beautiful hardwood floors that flow throughout the home, leading you to a spacious and well-lit living room. Just around the corner, the modernized kitchen opens up to a cozy family room, providing an ideal setting for

    Xiomara Maldonado North Clybourn Group, Inc.

    15666 Woodlawn Ave E, South Holland, IL 60473
  • /34

    $299,900

    • 3 Beds
    • 2 Baths
    • 1,589 Sq Ft

    8414 S King Dr, Chicago, IL 60619

    Looking for a gorgeous, just-rehabbed home in red-hot Chatham with great room sizes and curb appeal? Then come see this stunning brick ranch home, with 4 bedrooms and 2 bathrooms, on a beautiful block. The 1st floor is open and spacious, with gleaming hardwood floors and tons of light and features the living room, an eat-in kitchen with room for a big table, 3 large bedrooms with plus-sized

    Frank Montro Keller Williams Preferred Rlty

    8414 S King Dr, Chicago, IL 60619
  • /21

    $749,000

    • 4 Beds
    • 2.5 Baths
    • 3,367 Sq Ft

    8714 W 123rd St, Palos Park, IL 60464

    Experience the perfect blend of privacy and space in scenic Palos Park. Nestled on 1.1 acres of land, this expansive 4-bedroom, 2.5-bath home offers unmatched indoor-outdoor living with a park-like backyard and over 4,000 square feet of finished living space. Kitchen and dining area seamlessly open to an extraordinary family room with vaulted ceilings and a full wall of windows. Step outside to

    Kirby Pearson Pearson Realty Group

    8714 W 123rd St, Palos Park, IL 60464
  • /32

    $299,900

    • 4 Beds
    • 1.5 Baths
    • 1,738 Sq Ft

    7028 Stanford Dr, Bridgeview, IL 60455

    Beuatiful 4 bedroom 1.5 bathrooms original owers of this pristine all brick home of over 67 years, well maintained 2 car garage, great area close to expressway, close to shopping, schools. This is a as is sale to the highest offer.

    Stephen Stanwick Arrow Enterprises INC

    7028 Stanford Dr, Bridgeview, IL 60455
  • /40

    $224,000

    • 3 Beds
    • 2 Baths
    • 2,029 Sq Ft

    10447 South Ave N, Chicago, IL 60617

    This charming 3-bedroom, 2-bath home sits on a rare double lot and offers the perfect blend of comfort, space, and functionality. Featuring a spacious layout ready for your personal touch-ideal for creating your dream home. Step outside to discover a custom carpentry workshop in the backyard, perfect for remote work, hobbies, or launching your own business. The extended driveway fits up to 6

    Leslie Cifuentes Keller Williams ONEChicago

    10447 South Ave N, Chicago, IL 60617
  • /21

    $298,000 Open Sat 12PM - 2PM

    • 3 Beds
    • 1 Bath
    • 1,037 Sq Ft

    4028 Ridgeland Ave, Berwyn, IL 60402

    Welcome to this beautifully updated brick ranch in the heart of the sought-after Village of Stickney-a perfect blend of comfort, location, and potential. This move-in ready home features 3 bedrooms, a refreshed main level with refinished hardwood floors, fresh paint, and a bright, eat-in kitchen. The bathroom includes a relaxing jetted tub, ideal for unwinding after a long day. The basement

    Jovanna Quinones eXp Realty

    4028 Ridgeland Ave, Berwyn, IL 60402
  • /22

    $315,000

    • 5 Beds
    • 2 Baths
    • 1,476 Sq Ft

    1635 Linden Rd, Homewood, IL 60430

    Welcome to this beautiful Homewood home. The foyer leads to a front office area and a spacious living room. There are 5 bedrooms and 2 bathrooms. Off the kitchen, there is a nice size pantry area. The unfinished basement offers further design possibilities. The two car garage sits in front a spacious back yard. The generous lot has a side drive on both sides of the house.

    Felice Barrett Baird & Warner

    1635 Linden Rd, Homewood, IL 60430
  • /15

    $120,000

    • 2 Beds
    • 2 Baths
    • 1,400 Sq Ft

    498 Harrison Ave, Calumet City, IL 60409

    Don't miss this spacious 4-bedroom, 2-bathroom ranch-style home in the heart of Calumet City! This one-story property features a finished basement, offering additional living space perfect for a family room, home office, or guest area. The layout includes generously sized bedrooms, a functional kitchen, and a large main living area with natural light. While the home needs some TLC, it has

    Jose Ayala Luna Realty Group

    498 Harrison Ave, Calumet City, IL 60409
  • /41

    $349,900

    • 4 Beds
    • 3 Baths
    • 3,200 Sq Ft

    7217 S Talman Ave, Chicago, IL 60629

    Stunning Move-In Ready Bungalow with Renovated In-Law Suite! Don't miss this rare opportunity to own a beautifully updated bungalow offering incredible versatility, space, and income potential! Perfect for multigenerational living or rental income, this thoughtfully designed home is fully updated throughout. The main floor features an open-concept layout with a spacious living room, sunlit

    Nancy Villacorta Family Pride Realty

    7217 S Talman Ave, Chicago, IL 60629
  • /23

    $549,000 Open Sat 12:30PM - 2PM

    • 3 Beds
    • 3.5 Baths
    • 2,700 Sq Ft

    903 N Homan Ave, Chicago, IL 60651

    This modern 4-bedroom single-family home completed in 2021, offers modern design and thoughtful features throughout. With 3 bedrooms and 2 bathrooms above grade and a 4th bedroom and bathroom below, there's plenty of space for family, guests, and a home office. The light-filled fenced-in yard is perfect for summer entertaining. The living space is massive and varied. Room for formal living and

    Charlie Cohen Cross Street Real Estate

    903 N Homan Ave, Chicago, IL 60651
  • /15

    $255,700

    • 3 Beds
    • 2 Baths
    • 1,065 Sq Ft

    150 Serena Dr, Chicago Heights, IL 60411

    Located in the highly sought-after Homewood Flossmoor School District, this charming brick ranch blends classic appeal with extensive modern updates. Nestled in a delightful neighborhood near Dixie Highway and Volmer, the home presents impeccable curb appeal. Beautifully renovated and move-in ready, the stylish new kitchen features quartz countertops, white shaker cabinets, and stainless steel

    Neil Gates Chase Real Estate LLC

    150 Serena Dr, Chicago Heights, IL 60411
  • /5

    $278,000

    • 4 Beds
    • 1 Bath
    • 1,152 Sq Ft

    3025 N Octavia Ave, Chicago, IL 60707

    Location, Location, Location!! Opportunity Knocks for wise buyer or investor looking for some sweat equity. Single family home with 4 bedrooms. 2 up and 2 down. Low (6') Full unfinished basement. Side Drive to fully concreted back area and large 2.5 car garage (needs TLC on roof). FA & A/C 2 years New! Hot Water tank 1 year old. Newer windows in 2015 and Tear off roof on home in 2014. Large front

    Bernardo Sanchez Pure Urban Real Estate

    3025 N Octavia Ave, Chicago, IL 60707
  • /42

    $418,000 Open Sat 1PM - 3PM

    • 4 Beds
    • 4 Baths
    • 1,917 Sq Ft

    5510 W 81st Place, Burbank, IL 60459

    Welcome to this SPACIOUS and VERSATILE 2-story home sitting on an OVERSIZED LOT, currently set up and USED LIKE A 2-UNIT but also ideal as a SINGLE FAMILY RESIDENCE, perfect for RELATED LIVING! This WELL-MAINTAINED property offers 5 BEDROOMS and 4 FULL BATHROOMS, with a FULL FINISHED BASEMENT for extra living space. The layout includes 2 BEDROOMS and 1 BATH upstairs (with its OWN GAS METER and

    Xochil Wendy Escobar Realty of America, LLC

    5510 W 81st Place, Burbank, IL 60459
  • /28

    $699,000 Open Sat 12PM - 2PM

    • 4 Beds
    • 2 Baths
    • 2,452 Sq Ft

    508 Engel Blvd, Park Ridge, IL 60068

    Rare Opportunity on Engel Boulevard. Situated on an oversized 50x160 lot in the heart of one of Park Ridge's most admired streets, this property offers a unique chance to renovate or start fresh with new construction. The current home features multiple living spaces on the main floor-including a living room, dining room, family room, and a flexible room ideal as a 5th bedroom or home office.

    Craig Fallico Baird & Warner

    508 Engel Blvd, Park Ridge, IL 60068
  • /25

    $625,000 Open Sun 1PM - 3PM

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

    8654 N Oketo Ave, Niles, IL 60714

    Stunning fully renovated 3 bedroom home featuring an open-concept kitchen, 2 full bathrooms and beautifully finished basement perfect for extra living space or entertaining. Enjoy the convenience of a 2 car garage and spacious backyard ideal for gatherings or relaxation. Located within walking distance to parks, shopping centers, and restaurants, this move in ready gem offers the perfect blend of

    Chris Behnam Keller Williams Realty Ptnr,LL

    8654 N Oketo Ave, Niles, IL 60714
  • /32

    $579,995 Open Sat 11AM - 1PM

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

    5008 Culver St, Skokie, IL 60077

    Welcome to 5008 Culver Street. A Rare Gem in Prime Skokie! Tucked away on a quiet cul-de-sac just steps from Old Orchard Mall and Niles North High School, this beautiful split-level home offers over 2,500 square feet of comfortable living space in one of Skokie's most convenient and desirable locations. This spacious home features 3 generously sized bedrooms and 2 full bathrooms, with hardwood

    Hugo Sanchez Realty of America, LLC

    5008 Culver St, Skokie, IL 60077
  • /37

    $435,000

    • 4 Beds
    • 2.5 Baths
    • 2,536 Sq Ft

    6232 W 129th St, Palos Heights, IL 60463

    Welcome to this beautifully maintained 4-bedroom, 2.5-bath two-story home, ideally located on a quiet, tree-lined street in desirable Palos Heights. With generous living spaces and thoughtful features throughout, this home offers comfort, convenience, and room to grow. Step off the welcoming front porch and into a bright and spacious living room that flows into a formal dining area-perfect for

    Heather Bult @properties Christie's International Real Estate

    6232 W 129th St, Palos Heights, IL 60463
  • /32

    $579,000

    • 4 Beds
    • 2 Baths
    • 3,038 Sq Ft

    3132 Morton Ave, Brookfield, IL 60513

    Fully renovated and truly one-of-a-kind, this stunning Brookfield home is in a league of its own. Rarely does a home with this much character, space, and high-end functionality come on the market. The dramatic open-concept main level features vaulted ceilings, hardwood floors, and walls of windows, flooding the space with natural light. The large kitchen, refreshed in 2025, boasts new

    Bridgette Clarno @properties Christie's International Real Estate

    3132 Morton Ave, Brookfield, IL 60513
  • /18

    $219,000

    • 3 Beds
    • 1.5 Baths
    • 1,272 Sq Ft

    1042 W 107th Place, Chicago, IL 60643

    This charming home is nestled on a well-manicured block and offers 3 bedrooms and 1.5 baths, with upgrades throughout. The beautiful hardwood floors add to its appeal. There is an additional room in the basement that can be utilized as a den. The backyard patio is a wonderful feature, perfect for entertaining or simply relaxing. This home is truly a must-see! Don't miss the opportunity to make

    Leslie Smith Mosaic Realty LLC

    1042 W 107th Place, Chicago, IL 60643
  • /25

    $785,000 Open Fri 4PM - 6PM

    • 4 Beds
    • 2 Baths
    • 1,720 Sq Ft

    2614 N Saint Louis Ave, Chicago, IL 60647

    Tucked away on a quiet, tree-lined street in vibrant Logan Square, this beautifully updated 4-bedroom, 2-bath single-family home is a rare gem. Originally built in 1893 as a classic worker's cottage, it perfectly blends timeless character with thoughtful modern updates. Step inside to discover original hardwood floors, tall ceilings, and sun-drenched rooms that radiate warmth and charm. Recent

    Allyson Hohman Baird & Warner

    2614 N Saint Louis Ave, Chicago, IL 60647
  • /12

    $199,999

    • 2 Beds
    • 1 Bath
    • 700 Sq Ft

    1240 S 57th Ct, Cicero, IL 60804

    Opportunity knocks in this well maintain 2 -Bedroom, 1 full Bathroom Single Family home 2 car garage fully fenced yard,, amazing backyard, . The home is in excellent conditions . It's conveniently located near shooping centers and major roads. don't miss the chance to see this Charming home - schedule a tour today. Selling AS IS CONDITION

    Rocio Casarrubias PROSALES REALTY

    1240 S 57th Ct, Cicero, IL 60804
  • /12

    $359,900

    • 3 Beds
    • 2.5 Baths
    • 1,200 Sq Ft

    5241 S Springfield Ave, Chicago, IL 60632

    Beautifully maintained and lovingly cared for Georgian home located on a quiet street in the coveted West Elsdon neighborhood! Location is near Midway airport, Orange line stop, grocery stores and restaurants. This spacious 4 bedroom, 2.5 bathroom home features timeless charm with thoughtful updates throughout. Enjoy a bright and inviting layout with abundant natural light, updated bathrooms,

    Samantha Aycock Berkshire Hathaway HomeServices Chicago

    5241 S Springfield Ave, Chicago, IL 60632
  • /21

    $729,000

    • 3 Beds
    • 3.5 Baths
    • 2,700 Sq Ft

    814 E 48th St, Chicago, IL 60615

    Experience the best of Bronzeville living in this stunning 4-bedroom, 3.1-bath limestone gem-completely gut-rehabbed and fully permitted, with all the modern finishes you'd expect. Step into a light-filled open-concept main floor, highlighted by LED lighting, hardwood floors, and clean-lined trim. The living room centers on a sleek, dual-textured electric fireplace. The chef's kitchen is a

    Amanda Stapleton Blue Door Dave Inc

    814 E 48th St, Chicago, IL 60615
  • /30

    $225,000

    • 4 Beds
    • 3 Baths
    • 2,536 Sq Ft

    428 Saginaw Ave, Calumet City, IL 60409

    Welcome to this spacious 4-bedroom, 3-bathroom split level home located in a quiet residential pocket of Calumet City. With a full finished basement and attached 2-car garage, this home offers generous living space both inside and out. The full finished basement provides even more living space - ideal for a rec room, home gym or an office. The good sized backyard is perfect for summer

    Michael Olszewski Area Wide Realty

    428 Saginaw Ave, Calumet City, IL 60409
  • /22

    $209,900

    • 3 Beds
    • 1 Bath
    • 1,550 Sq Ft

    10024 S Yates Blvd, Chicago, IL 60617

    Tasteful rehab on a quiet block of Jeffery Manor. 10024 S Yates offers 3 bedrooms and 1 bathroom with a clean open living space, galley kitchen, and enormous finished basement. The home has an extra wide and long back yard, completely fenced in. One block away from the Jeffery Manor public library, the J14 bus stop, and a 5 minute drive away from I94. Schedule your tour today.

    Ken Yu Century 21 IMPACT

    10024 S Yates Blvd, Chicago, IL 60617
  • /43

    $265,000

    • 3 Beds
    • 2 Baths
    • 1,020 Sq Ft

    11517 S Ashland Ave, Chicago, IL 60643

    Welcome home to your brand new 3 bed 2 bath split level. Completely rehabbed and ready to move-in. Walk into this luxurious home with an open concept feel to the main living space. Refinished hardwood floors, recessed lighting, a modern accent wall and modern light fixtures. You will have complete access to the living space while cooking from the brand new kitchen with white shaker cabinetry with

    Frank Montro Keller Williams Preferred Rlty

    11517 S Ashland Ave, Chicago, IL 60643
  • /33

    $349,900

    • 4 Beds
    • 2 Baths
    • 1,330 Sq Ft

    8013 Neva Ave, Burbank, IL 60459

    Spacious 4 bedroom, 2 bath brick ranch in a prime Burbank location! Three bedrooms on the main floor plus a finished basement with a 4th bedroom, perfect for guests, extended living, or a home office, The kitchen features Corian countertops, full appliance package included. Additional highlights include original hardwood floors, newer HVAC system (2023), roof (2020), and fresh paint throughout.

    Jaymi Block REMAX Legends

    8013 Neva Ave, Burbank, IL 60459

Showing Results 441 - 480, Page 12 of 18

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