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Covington, GA Homes for Sale with Garage

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  • /51

    $450,000

    • 4 Beds
    • 3 Baths
    • 2,377 Sq Ft

    9187 Plantation Cir, Covington, GA 30014

    Perfect ranch home in popular Covington Place overlooking the eighth hole of Ashton Hills Golf Club. This easy living home has fresh paint and features a well-thought-out, open floor plan on the main level with a kitchen that would delight any chef, tons of counter and cabinet space, and a large breakfast bar perfect for casual meals or entertaining. The kitchen flows seamlessly into the spacious

    Scott Alexander Agents Realty LLC

    9187 Plantation Cir, Covington, GA 30014
  • /24

    $269,900

    • 3 Beds
    • 2 Baths
    • 1,469 Sq Ft

    420 Spring Lake Terrace, Covington, GA 30016

    Don't Miss This Great Opportunity! Take a look at this charming fenced ranch-style home situated on a spacious, well-maintained lot. Step inside to discover a bright, open floor plan with hard flooring throughout—no carpet anywhere! The inviting family room features a cozy fireplace, perfect for relaxing or entertaining. Enjoy the comfort of the lovely master suite, complete with ample closet

    Phung Phong Virtual Properties Realty. Biz

    420 Spring Lake Terrace, Covington, GA 30016
  • /61

    $619,000

    • 4 Beds
    • 3.5 Baths
    • 4,338 Sq Ft

    1041 Flat Rock Rd, Covington, GA 30014

    Waterfront property! Come take a look at this 4 sided brick full finished walk out basement home. Great location for easy access to interstate, shopping and restaurants. Home has high vaulted ceiling in family room with warm welcoming fireplace. Kitchen is centrally located which looks out over the lake. Kitchen has granite counter tops with eat in area. Also large separate dining room that can

    Julie Wynn Southern Classic Realtors

    1041 Flat Rock Rd, Covington, GA 30014
  • /42

    $275,000

    • 3 Beds
    • 3 Baths
    • 3,258 Sq Ft

    265 Forest Lake Dr, Covington, GA 30016

    Nestled at the end of a quiet road, this charming 1970's ranch offers 1,849 sq ft of single-story living. This home sits on a partially cleared 4 acres, and is surrounded by neighboring 4-6 acre lots, ensuring ultimate privacy. With 3 bedrooms, 2 full baths, and a basement featuring a finished bathroom, this home offers endless possibilities-whether you envision extra living space, a workshop, or

    Adam Morgan American Realty Professionals of Georgia, LLC.

    265 Forest Lake Dr, Covington, GA 30016
  • /27

    $240,000

    • 3 Beds
    • 2 Baths
    • 1,483 Sq Ft

    135 Woodcrest Dr, Covington, GA 30016

    Charming 3BR/2BA Split Foyer in Prime Covington Location! Welcome home to this beautifully maintained split foyer gem nestled in a convenient Covington neighborhood — just minutes from I-20, Covington Square's shopping and dining, and only a short drive to all that Conyers has to offer. Step inside to a cozy family/living room featuring a stunning stone fireplace, perfect for relaxing evenings.

    Chuck Dyer Dwayne Walker Realty

    135 Woodcrest Dr, Covington, GA 30016
  • /9

    $395,000

    • 3 Beds
    • 2 Baths

    10142 Washington St SW, Covington, GA 30014

    1.5 acres of POTENTIAL commercial land and 1098 square foot house that could be used as an office or other use. Also included is a one bedroom, one bathroom barn apartment & 3 additional storage buildings. 150 ft of road frontage in high traffic volume area on Hwy 81 in Newton County. Possible adjoining commercial acreage. NO LOCKBOX, APPT ONLY!! - Call agent for more information.

    Brandi Lindsey Integrity First Real Estate

    10142 Washington St SW, Covington, GA 30014
  • /10

    $395,000

    • 5 Beds
    • 3 Baths
    • 2,327 Sq Ft

    89 Cowpen Ct, Covington, GA 30014

    Find your family's perfect fit in this beautiful 5-bedroom, 3-bath home located in Covington's welcoming Enclave at Dial Farm! Priced at $399,000. This spacious two-story gem offers everything today's busy families need and more. The open-concept kitchen is the heart of the home-ideal for family meals, holiday gatherings, and homework nights at the island. A main-level bedroom and full bath

    Trinnette Robinson Virtual Properties Realty.com

    89 Cowpen Ct, Covington, GA 30014
  • /26

    $329,550

    • 4 Beds
    • 3 Baths
    • 1,900 Sq Ft

    140 Clover Valley Dr, Covington, GA 30016

    PRICE REFRESHED!!! This home is Move-in Ready, and boasts of 4bedrooms, 3 full baths, and a split floor plan, providing ample space and privacy for all. Situated in a cul-de-sac on 0.65 acres of land, it offers a peaceful and spacious retreat. Home features an additional room which would be perfect as either an In-Law suite or, bonus room. office, gym, Kids play rm. or a 5th bedroom., Upgrades/

    Trudie Pearce Southern Traditions Realty Group

    140 Clover Valley Dr, Covington, GA 30016
  • /33

    $299,999

    • 4 Beds
    • 2.5 Baths
    • 1,694 Sq Ft

    225 Long Creek Dr, Covington, GA 30016

    Welcome to this immaculate four-bedroom house with 2.5 bathrooms and master on main. The master has a large walk-in closet with storage shelves, a bath with a separate shower and a garden bathtub. The main level has a living /dining room combo with a fireplace in the living room; kitchen with breakfast area and pantry; laundry closet and half bath. The upper level has three bedrooms and a full

    Roberta Murray Frank Middlebrooks Realty

    225 Long Creek Dr, Covington, GA 30016
  • /48

    $365,000

    • 3 Beds
    • 2.5 Baths
    • 3,042 Sq Ft

    185 Stewart Glen Dr, Covington, GA 30014

    Tucked away in a peaceful cul-de-sac in a quiet Covington neighborhood, this beautifully maintained 3-bedroom, 2.5-bath home offers the perfect blend of charm, modern updates, and flexible living space for your family. Enjoy the inviting long front porch-perfect for rocking chairs, morning coffee, or relaxing with a peaceful view. Inside, you'll find a spacious living and dining area ideal for

    Aormese Jenkins JMAXX Properties LLC

    185 Stewart Glen Dr, Covington, GA 30014
  • /49

    $335,000

    • 3 Beds
    • 2.5 Baths
    • 1,818 Sq Ft

    65 Orchard Dr, Covington, GA 30014

    Charming 3-Bedroom Home in Desirable Orchard Park - Corner Lot with Southern Appeal! Welcome to this beautifully maintained 3-bedroom, 2.5-bath home located in the sought-after Orchard Park subdivision in Covington, GA. Nestled on a spacious corner lot, this 2-story gem offers Southern charm with double front porches and a side-entry 2-car garage for added curb appeal. Inside, you'll find a

    Janice Baldwin Keller Williams Realty Atl. Partners

    65 Orchard Dr, Covington, GA 30014
  • /32

    $319,000

    • 3 Beds
    • 2 Baths
    • 1,672 Sq Ft

    1744 Campbell Rd, Covington, GA 30014

    If you love to cook and entertain, this is your dream home. Home has big kitchen with double pantries, double ovens, separate cook top, center island and bar with additional setting. This 3 bedroom and 2 bath has a bonus room over the garage that could easily be converted to a 4th bedroom. Sit on the front porch in your rocking chair or relax on the huge back deck overlooking the private back

    Shelly Holifield Legend Realty Group LLC

    1744 Campbell Rd, Covington, GA 30014
  • /27

    $279,900

    • 3 Beds
    • 2 Baths
    • 1,808 Sq Ft

    175 Orchard Ln, Covington, GA 30014

    Discover this beautiful ranch-style home that feels like new construction! Fully renovated with modern upgrades and a fresh coat of paint, this property offers comfort and style at every turn. New luxury vinyl plank flooring throughout the kitchen, living, and dining areas. An oversized master suite with ample space to relax. High ceilings that enhance the airy and open floor plan feel of the

    Sivan Amrani Chapman Hall Realtors

    175 Orchard Ln, Covington, GA 30014
  • /67

    $584,900

    • 3 Beds
    • 2 Baths
    • 3,167 Sq Ft

    13935 Brown Bridge Rd, Covington, GA 30016

    ** YOUR OWN PIECE OF PARADISE WITH THIS BEAUTIFUL RANCH WITH FULL BASEMENT ON 7.90 ACRES** One Owner Home - Beautiful Hardwood Floors, New Carpet And Paint Thru Out - New Exterior Paint as Well as Deck - Very Inviting Foyer Entrance- Huge Family Room with Vaulted Ceilings , Fireplace and Built In Book Shelves - Off of Family Room is French Doors on Both Sides opening up to this Amazing Sun

    Tammy Farmer Tammy Farmer Real Estate

    13935 Brown Bridge Rd, Covington, GA 30016
  • /31

    $388,000

    • 5 Beds
    • 3 Baths
    • 2,780 Sq Ft

    210 Kestrel Cir, Covington, GA 30014

    THIS NEWER HOME QUALIFIES FOR 100% FINANCING AND LOWER RATE INCENTIVES WITH USDA; YOU WILL BE PLEASANTLY SURPRISED HOW EASY THE FINANCING IS WITH THEM. THIS IS THE PERFECT OPPORTUNITY. IF YOU WANT TO KEEP MORE MONEY IN YOUR POCKET AND OWN A FABOULOUS HOME. About the home: This beautiful 5-bedroom, 3-full bathroom traditional home is move in ready. Built in 2020, this 2780 sq ft,

    Mark Spain Mark Spain Real Estate

    210 Kestrel Cir, Covington, GA 30014
  • /23

    $339,900

    • 3 Beds
    • 2 Baths
    • 1,556 Sq Ft

    225 Hardwood Dr, Covington, GA 30016

    Awesome Home for sale or Trade! Beautiful One level Ranch on a quiet cul-de sac lot. Home was rebuilt from the studs in 2023 due to a stove fire. Everything has been updated!! Brand new roof, New Kitchen cabinets and stone counter tops with backsplash! New Stainless steel appliances and wine refrigerator all remain with the home. Vaulted family room with brick fireplace. TV to remain. All new

    Mike Ross Your Home Sold Guaranteed Realty, LLC.

    225 Hardwood Dr, Covington, GA 30016
  • /14

    $315,000

    • 4 Beds
    • 3 Baths

    45 Avery Dr Unit 1, Covington, GA 30016

    A charming residence nestled in the heart of Covington, GA. This home offers spacious living with a versatile floor plan perfect for families and entertaining. It's ready for comfortable, worry-free living. Enjoy peaceful suburban living with mature trees and a friendly neighborhood atmosphere. Conveniently located near major highways, shopping, dining, and excellent schools, this property

    Tiffany Simone Property Experts

    45 Avery Dr Unit 1, Covington, GA 30016
  • /36

    $349,900

    • 4 Beds
    • 3.5 Baths
    • 2,574 Sq Ft

    2270 Old Concord Dr SE, Covington, GA 30016

    BACK ON THE MARKET DUE TO NO FAULT OF SELLER!!! New Roof and all repairs have been made already for you!! A beautifully renovated tri-level home in the heart of Conyers, GA! This move-in ready gem features 4 spacious Bedrooms and two and a half baths, offering versatility for any lifestyle, with new plumbing,roof ,modern fixtures and sleek stainless steel appliances, every detail has been

    Debora O'Neal Coldwell Banker Realty

    2270 Old Concord Dr SE, Covington, GA 30016
  • /27

    $339,000

    • 5 Beds
    • 3 Baths
    • 2,480 Sq Ft

    40 Oakwood Dr, Covington, GA 30016

    Welcome to 40 Oakwood Drive - a beautifully maintained 5-bedroom, 3-bathroom home nestled on a quiet street in Covington. This inviting home offers a perfect blend of comfort, functionality, and outdoor space, ideal for first-time buyers, growing families, or anyone looking to enjoy peaceful suburban living. Inside, you'll find a bright and open floor plan with a spacious living room that

    Marshall Wagner Rock River Realty LLC

    40 Oakwood Dr, Covington, GA 30016
  • /29

    $342,000

    • 4 Beds
    • 2.5 Baths
    • 2,110 Sq Ft

    340 McGiboney Ln, Covington, GA 30016

    THIS PROPERTY IS ALSO AVAILABLE FOR RENT TO OWN/LEASE PURCHASE OPTION. Nestled in a small, well-kept community with no HOA fees and built less than 3 years ago, this home features an open, light-filled floor plan with approximately 9-foot ceilings on the main level. This barely lived-in 4-bedroom, 2.5-bath home offers comfort, space, and convenience. The wonderful eat-in kitchen boasts a huge

    Betie Platel-Boyd New Solutions Realtors

    340 McGiboney Ln, Covington, GA 30016
  • /39

    $244,900

    • 3 Beds
    • 2 Baths
    • 1,316 Sq Ft

    60 Parkman Trail, Covington, GA 30016

    Charming 3 bedroom 2 bath home in immaculate condition for First Time home Buyers! Located in an established neighborhood, near grocery store, within minutes of I20 and Covington or McDonough. Carpets have just been professionally cleaned and both bathrooms have been completely refurbished. Bring your Buyers to see. Pictures will be posted soon!

    Melissa Griggs American Realty Professionals of Georgia, LLC.

    60 Parkman Trail, Covington, GA 30016
  • /56

    $419,000

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

    392 Hightower Ridge Rd, Covington, GA 30014

    Walnut Grove Area! Walnut Grove Schools! Walton County! Seller will replace roof at no additional cost to buyer prior to closing with an acceptable offer. This beautiful home located in the Walnut Grove Area is nestled on a serene and private 3.6 acre wooded lot, this spacious 4-bedroom, 3-full-bath home offers endless potential in the highly desirable Walnut Grove school district. With a bonus

    392 Hightower Ridge Rd, Covington, GA 30014
  • /25

    $335,000

    • 5 Beds
    • 3.5 Baths
    • 2,946 Sq Ft

    75 Trelawney Keep Unit 9, Covington, GA 30016

    Back on the market and Priced to Sell!!! Welcome to your dream home with space galore! This residence is a masterfully designed 5 bedroom, 3.5 bath retreat nestled in a mature, sought-after neighborhood where serenity meets functionality. The 3,000 square foot property sits in a cul-de-sac with a serene backyard oasis to accommodate entertaining and intimate everyday living. It has a

    Janice Evans Frazier Realty Services Inc.

    75 Trelawney Keep Unit 9, Covington, GA 30016
  • /20

    $281,000 Open Fri 8AM - 7PM

    • 3 Beds
    • 2 Baths
    • 1,579 Sq Ft

    145 Shadowbrook Trace Unit 2, Covington, GA 30016

    100-Day Home Warranty coverage available at closing. Check out this stunner! This home has New HVAC. A fireplace and a soft neutral color palette create a solid blank canvas for the living area. The primary bathroom is fully equipped with a separate tub and shower, double sinks, and plenty of under sink storage. The back yard is the perfect spot to kick back with the included sitting area. Don't

    Tanya Pickens Opendoor Brokerage

    145 Shadowbrook Trace Unit 2, Covington, GA 30016
  • /35

    $299,000

    • 3 Beds
    • 2 Baths
    • 1,380 Sq Ft

    385 Orchard Ln, Covington, GA 30014

    This charming ranch plan has it all including an open concept living room and kitchen to make entertaining simple. Spacious master with attached bathroom on the right side of the home. On the left you will find laundry room, full bathroom and two bedrooms. Covered back patio to enjoy your yard. Orchard Park is a wonderful community with sidewalks, pool and tennis courts just minutes to the

    Tyler Moore Keller Williams Lake Oconee

    385 Orchard Ln, Covington, GA 30014
  • /20

    $252,500

    • 3 Beds
    • 2 Baths
    • 1,780 Sq Ft

    85 Chestnut Dr, Covington, GA 30016

    Sellers are currently working on replacing the roof!!!! Welcome to 85 Chestnut Drive — a delightful 3-bedroom, 2-bathroom ranch-style home nestled on a spacious lot in a peaceful Covington neighborhood. This well-maintained property is perfect for first-time buyers, families, or investors looking for a move-in-ready home with classic charm and modern convenience.Step inside to a bright

    Marshall Wagner Rock River Realty, LLC.

    85 Chestnut Dr, Covington, GA 30016
  • /21

    $214,900

    • 3 Beds
    • 2 Baths
    • 1,050 Sq Ft

    10116 Straphinge Trail NE, Covington, GA 30014

    Welcome home to this beautifully updated 3 bedroom, 2 bath four-sided brick ranch, perfectly nestled in the highly sought-after Covington area. Just minutes from the vibrant downtown Covington square, this property offers the perfect blend of convenience, charm, and modern updates-with no HOA restrictions. Step onto the inviting covered front porch and into an open, light-filled floorplan that

    John Durham Keller Williams Realty ATL Part

    10116 Straphinge Trail NE, Covington, GA 30014
  • /16

    $84,900

    • 3 Beds
    • 1 Bath
    • 1,056 Sq Ft

    6109 Oakwood Cir SW, Covington, GA 30014

    Discover this 3-bedroom, 1-bath ranch-style home situated on a peaceful cul-de-sac lot in Covington, GA. Featuring an attached 1-car carport. The home's traditional layout provides a comfortable living environment, and its location ensures easy access to downtown Covington's shopping, dining, and entertainment options. While the home will benefit from some updates, it presents an opportunity to

    Kelley Kesterson Pathfinder Realty

    6109 Oakwood Cir SW, Covington, GA 30014
  • /42

    $345,000

    • 4 Beds
    • 3.5 Baths
    • 3,530 Sq Ft

    230 Shiver Blvd, Covington, GA 30016

    *** MOTIVATED SELLER *** Beautiful 2 Story home in the sought after Ivy Brook @ Wisteria Neighborhood! Main and second level recently renovated in 2020. This 2 story home has all the space you need! Home includes 4 bedrooms on the 2nd level with 2 full bathrooms. Bathrooms have granite counter tops. Master bedroom on 2nd level which includes huge walk-in closet. Main level includes a huge walk

    Keasher Holling Hope Realty Team Inc.

    230 Shiver Blvd, Covington, GA 30016
  • /46

    $749,000

    • 8 Beds
    • 5 Baths
    • 4,828 Sq Ft

    5618 Highway 212, Covington, GA 30016

    Upon entering the property you will make your way down a long paved driveway surrounded by trees and crossing a small bridge with a flowing creek below. This property boast a beautiful a 4000+ sq.ft. all brick ranch on a finished basement with a total of 8 bedrooms and 5 bathrooms. This home has a total of 4 livingroom/flex spaces The primary bedroom is a large 30X11 with an equally large

    Michelle Hernandez The HomeStore

    5618 Highway 212, Covington, GA 30016
  • /71

    $330,000 Open Sun 11AM - 1PM

    • 3 Beds
    • 3 Baths
    • 2,409 Sq Ft

    115 Stonewall Dr, Covington, GA 30016

    3 BEDROOMS, 3 FULL BATHROOMS, LARGE LOFT, AND A BONUS ROOM. PASS THROUGH GARAGE (CORNER LOT, 2 DRIVEWAYS: One from Stonewall Drive, and one from Huntington St) Perfectly situated on a quiet street, this corner lot home combines comfort, function, and flexibility. Step inside to discover an open and airy main level featuring an oversized master suite with vaulted ceilings, a cozy sitting area, and

    The Homefront Group Southern Classic Realtors

    115 Stonewall Dr, Covington, GA 30016
  • /26

    $290,000

    • 4 Beds
    • 3 Baths
    • 2,136 Sq Ft

    120 Aspen Forest Dr, Covington, GA 30016

    Pending Short Sale Approval - Sold As Is! Welcome to a beautiful home in an established neighborhood. This home has more than meets the eye with the primary bedroom en suite on the main floor along with 2 other beds and 1 bath. Open concept living with views to the dining area and family room with fireplace from the kitchen. Lovely deck off the kitchen perfect for lounging and grilling and

    Carmencita Spinola Chapman Hall Premier, REALTORS

    120 Aspen Forest Dr, Covington, GA 30016
  • /64

    $310,000

    • 4 Beds
    • 2 Baths
    • 1,683 Sq Ft

    75 Oak Hill Dr, Covington, GA 30016

    Just reduced Beautiful Ranch with a large Bonus room over the Garage. A home you can enjoy without being too close to your neighbor, with lots of outdoor green space. Move-In Ready! The home has new LVP throughout with a warranty and fresh paint. Come add your special furniture features to the home. Fireplace in family/living area. New upgraded windows with a warranty. Trey ceiling in master

    Latricia Jones First United Realty, Inc.

    75 Oak Hill Dr, Covington, GA 30016
  • /41

    $565,000

    • 4 Beds
    • 2.5 Baths
    • 2,650 Sq Ft

    1621 Dixie Rd, Covington, GA 30014

    This farmhouse style home has been Updated and remodeled-Inside & Out! Sitting on 2 acres, you will be amazed at the transformation. Wrap-around front porch, Covered back porch, New concrete siding, New roof, Custom cabinetry in the kitchen, Pantry, Laundry room, Butler's Pantry & all the bathrooms. Granite countertops in the Kitchen & Baths. New flooring & New Light fixtures throughout. Kitchen

    Michelle Gibbons BHHS Georgia Properties

    1621 Dixie Rd, Covington, GA 30014
  • /26

    $265,000

    • 3 Beds
    • 2.5 Baths
    • 1,480 Sq Ft

    30 Crestfield Cir, Covington, GA 30016

    This well-maintained home features numerous updates, including a new roof (2023) and a new AC unit (2020) for peace of mind. The HVAC system and flooring were both updated just two years ago, ensuring comfort and style. Enjoy the added versatility of a sunroom, built about five years ago, perfect for relaxing or entertaining. Don’t miss this move-in-ready home with modern upgrades—schedule your

    Mark Spain Mark Spain Real Estate

    30 Crestfield Cir, Covington, GA 30016
  • /37

    $425,000

    • 4 Beds
    • 2.5 Baths
    • 2,948 Sq Ft

    345 Piedmont Cir, Covington, GA 30016

    Welcome to this impeccably maintained 4-bedroom, 2.5-bath, like new, brick home in Iris Brook. Situated just moments from the interstate for effortless commuting, this property offers all of the must haves in a home, within a newer community. Inside, you will find a gourmet kitchen that will impress- featuring premium finishes, abundant cabinetry, granite countertops, stainless appliances,

    Rhiannon Townley RE/MAX Around Atl East

    345 Piedmont Cir, Covington, GA 30016
  • /25

    $269,900

    • 3 Beds
    • 2.5 Baths
    • 1,683 Sq Ft

    255 Skipjack Ct, Covington, GA 30016

    Adorable and elegant end unit house featuring 3 bedrooms 2.5 bathrooms for your home sweet home. Stepping through the front door you will feel the comfort of the stylist foyer with its cozy sitting area and spacious living area. The luxurious hardwood floors on the lower and upper level invites you to an open concept floor plan. View the modern kitchen with its sleek stainless steel appliances

    Everton Lindo HomeSmart

    255 Skipjack Ct, Covington, GA 30016
  • /19

    $125,000

    • 3 Beds
    • 2 Baths
    • 1,460 Sq Ft

    1405 Mote Rd, Covington, GA 30016

    Great opportunity for investors or renovators! This 3-bedroom, 2-bath home with a basement offers 2,219 square feet of potential. The property wasaffected by a fire and will require a full renovation, making it a true fixer-upper. Located in a desirable area, this home has strong bones and endlesspossibilities for restoration or redevelopment. Bring your vision and creativity to bring

    Yanni Uriah Sanders RE, LLC

    1405 Mote Rd, Covington, GA 30016
  • /47

    $549,000

    • 5 Beds
    • 4 Baths
    • 2,095 Sq Ft

    5191 Emory St NW, Covington, GA 30014

    Beautifully renovated four bedroom three bathroom Historic home with bonus accessible dwelling unit next gives you an additional 480 sf of living space. The home is a must see! The home has all new systems, new roof, new hardwood floors throughout and more. Enjoy the oversized driveway for convenient parking accessible to both Emory Street and West Street. The home is minutes away from Interstate

    Joyce Gardner BHGRE Metro Brokers

    5191 Emory St NW, Covington, GA 30014
  • /15

    $343,900

    • 4 Beds
    • 2.5 Baths
    • 2,210 Sq Ft

    110 Halibut Cir, Covington, GA 30016

    PRICE REFRESH!! Newer resale in recently SOLD OUT subdivision! Best floorplan at the Best price, offering brand new luxury at a resale value. This new subdivision with large level lots is highly sought after and is sure to leave you breathless. All the amenities and upgrades without the builder price tag. High ceilings lead you through the entrance foyer with a view to the den/study/ formal

    Mary Gill The Realty Group

    110 Halibut Cir, Covington, GA 30016

Showing Results 281 - 320, Page 8 of 13

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