2,585

Cumberland County NC Homes for Sale

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  • /2

    $35,000

    • Land
    • 0.2 Acre
    • $175,000 per Acre

    0 Ramsey St, Fayetteville, NC 28311

    Prime opportunity on Ramsey Street! This ±0.20-acre parcel offers excellent road frontage along one of the area’s main thoroughfares, providing outstanding visibility and consistent daily traffic flow. Whether you’re looking for a future build site, commercial investment, or land hold opportunity, this property delivers location and exposure.A key highlight is the existing billboard situated on

    GARLINDA PRICE FUSION PROPERTIES

    0 Ramsey St, Fayetteville, NC 28311
  • /49

    $347,000

    • 3 Beds
    • 2 Baths
    • 2,015 Sq Ft

    1231 Four Wood Dr, Fayetteville, NC 28312

    Welcome to just the right place to call home and it can all be yours located in the sought-after Eastover community, offering no HOA! Baywood Golf Club is nearby and offers optional membership for pool, golf and tennis that is conveniently in the neighborhood. This beautifully maintained 3 bedroom, 2 bath residence offers comfort, flexibility, and the charm of a small-town neighborhood feel—all

    FELICIA FIELDS AT HOME REALTY

    1231 Four Wood Dr, Fayetteville, NC 28312
  • /2

    $189,000

    • 3 Beds
    • 2 Baths
    • 1,100 Sq Ft

    6124 Lonestar Rd, Fayetteville, NC 28303

    Welcome to your charming new home! This beautifully maintained and updated 3-bedroom, 2-bath residence is ready for you to move in. You'll love the LVP flooring that flows throughout the living spaces, creating a warm and inviting atmosphere. The cozy galley kitchen is equipped with a refrigerator, range, and dishwasher, making meal prep a breeze. Additionally, you’ll appreciate the spacious

    Pamela Wiggs BROWN PROPERTY GROUP

    6124 Lonestar Rd, Fayetteville, NC 28303
  • /28

    $169,900

    • 3 Beds
    • 1.5 Baths
    • 1,224 Sq Ft

    3315 Nato Rd, Fayetteville, NC 28306

    HUGE half acre lot and no HOA! Plenty of room to spread out and enjoy the serene setting, all while being super close to Cape Fear Valley Hospital and plenty of shopping options. Beautiful screened-in porch, elevated deck and amazing storage shed in the back yard, surrounded by front and back full fencing (and gate to driveway). House has hardwood floors through bedrooms and living room. Half

    JENNIFER TAPIA RE/MAX CHOICE

    3315 Nato Rd, Fayetteville, NC 28306
  • /8

    $149,900

    • 3 Beds
    • 1.5 Baths
    • 1,100 Sq Ft

    2525 Vestal Ave, Fayetteville, NC 28301

    3 bedroom bath and half brick ranch close to base and shopping with new appliances, counter tops and backsplash.

    CYNTHIA OUTEN OUTEN PROPERTIES

    2525 Vestal Ave, Fayetteville, NC 28301
  • /33

    $245,000

    • 3 Beds
    • 2.5 Baths
    • 1,450 Sq Ft

    3310 Cornell Dr, Fayetteville, NC 28306

    Welcome to this charming brick home tucked inside the established Lake Lynn subdivision. Offering 3 bedrooms and 2.5 bathrooms, this home blends classic character with thoughtful updates throughout. Inside, you’ll find newly installed flooring (2026) that gives the home a refreshed and cohesive look. The eat-in kitchen features granite countertops, tile flooring, and direct access to the screened

    Shinesha Fallon NORTHGROUP REAL ESTATE

    3310 Cornell Dr, Fayetteville, NC 28306
  • /39

    $134,500

    • 2 Beds
    • 2 Baths
    • 1,126 Sq Ft

    241 Waterdown Dr, Fayetteville, NC 28314

    Low-maintenance living in a convenient Fayetteville location! This first-floor 2-bedroom, 2-bath condo offers an open and functional layout with laminate flooring throughout the main living areas and a cozy gas fireplace anchoring the living room. Enjoy easy indoor-outdoor living with a private screened porch overlooking a wooded backdrop, perfect for morning coffee or unwinding at the end of the

    AISLING BONNER ERA STROTHER REAL ESTATE

    241 Waterdown Dr, Fayetteville, NC 28314
  • /47

    $299,500 New Construction

    • 4 Beds
    • 2 Baths
    • 1,616 Sq Ft

    4905 High Branch Ct, Stedman, NC 28391

    ** $10,000 in Buyer Incentive ** Welcome to Stedman new construction on a 0.61 acre lot with no HOA. Enjoy the peace and serenity of country living with an easy commute to Ft. Bragg, shopping, restaurants, schools, and close enough to the beach that you could make a quick day trip. This cute cottage style plan comes with 4 bedrooms and 2 baths. The primary ensuite comes with trey ceilings,

    LONGLEAF TEAM LONGLEAF PROPERTIES OF SANDHILLS LLC.

    4905 High Branch Ct, Stedman, NC 28391
  • /26

    $192,500

    • 2 Beds
    • 1.5 Baths
    • 1,332 Sq Ft

    1633 Cawdor Dr, Fayetteville, NC 28304

    **Seller offering $2,500 towards buyer closing costs plus $500 lender credit when using preferred lender.** Inviting 2-bedroom, 1.5-bath ranch in the Ashton Forest community featuring a newer roof and windows. The home offers an oversized bedroom created by combining two rooms, along with a second bedroom that includes a private half bath. A bright, open living area is complemented by a flexible

    Leslie Renee Lee KELLER WILLIAMS REALTY (FAYETTEVILLE)

    1633 Cawdor Dr, Fayetteville, NC 28304
  • /29

    $97,000

    • 2 Beds
    • 2 Baths
    • 1,052 Sq Ft

    1908 Tryon Dr Unit 1, Fayetteville, NC 28303

    First floor unit in the gated community of Briarcliff. The welcoming entrance includes great room with fireplace and open to the dining area and kitchen. Down the hall includes hall bath and laundry room and two bedrooms. At the end of the hall is the primary bedroom featuring barn door, walk in closet, and full bath. LVP flooring in living areas. Covered patio. Minutes from Ft Bragg, shopping

    PERRY OLIVE ATLAS REAL ESTATE PARTNERS

    1908 Tryon Dr Unit 1, Fayetteville, NC 28303
  • /46

    $409,999

    • 4 Beds
    • 3.5 Baths
    • 2,719 Sq Ft

    3024 Brechin Rd, Fayetteville, NC 28303

    Check out this stunning, updated ranch home on a spacious half-acre corner lot in Murray Hill. Featuring 4 bedrooms, 3.5 bathrooms, a formal dining room, a formal living room, a separate family room, and a sunroom. You'll love the newer LVP flooring, carpet, modern kitchen, and beautifully renovated bathrooms. The kitchen boasts granite countertops, stainless steel appliances, and stylish light

    Tiffany Brock STILL WATERS REAL ESTATE

    3024 Brechin Rd, Fayetteville, NC 28303
  • /20

    $224,000

    • 3 Beds
    • 2 Baths
    • 1,169 Sq Ft

    1109 Whiskerlake Dr, Fayetteville, NC 28312

    Located in the Three Lakes neighborhood, this brick ranch home features 3 bedrooms and 2 bathrooms. The property has recently undergone extensive updates, including fresh interior paint throughout, new LVP flooring, updated light fixtures, new bathroom vanities, and new salt-shaker–style kitchen cabinets with granite countertops and a tile backsplash. Additional improvements include new

    JASMINE WALKER BLOOM REALTY

    1109 Whiskerlake Dr, Fayetteville, NC 28312
  • /34

    $249,900

    • 3 Beds
    • 2 Baths
    • 1,434 Sq Ft

    7120 Tres Ct, Fayetteville, NC 28314

    Amazing upgrades in this 3 bedroom, 2 bath home located in a cul-de-sac! Brand new carpet, new interior paint and new fixtures throughout. Beautifully updated kitchen with Quartz counters, tile backsplash, pantry cabinet, tile floor, stainless steel appliances and plenty of storage space. Like new hardwood floors flow from the foyer through to the walk ways, spacious sunken family room with a

    Kevin Grullon COLDWELL BANKER ADVANTAGE - FAYETTEVILLE

    7120 Tres Ct, Fayetteville, NC 28314
  • /49

    $440,000

    • 4 Beds
    • 3.5 Baths
    • 2,389 Sq Ft

    5635 Stewart Rd, Wade, NC 28395

    Spacious two story home with a three car garage featuring polyurea coated garage floors, situated on over 2 acres. The property offers a newer construction home with open land and privacy, with empty farmland located across the street.The main level includes a formal dining room and an eat in kitchen with granite countertops, pantry, and stainless steel appliance package. The kitchen

    Stefanie Porter EXP REALTY LLC

    5635 Stewart Rd, Wade, NC 28395
  • /33

    $439,900 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,535 Sq Ft

    2960 H Clark Rd, Fayetteville, NC 28306

    Builder Buyer incentive $9000 (based on list price). Nestled in a Nice Suburban setting. Ready for Move within 30-45 days from offer. This 4 Bedroom 2.5 Bath home has bonus room with a closet for additional guests. The Open floor plan of the living/Breakfast/Kitchen area is great for entertaining. The kitchen offers granite counter tops and Lots of cabinet space, kitchen Island with built in wine

    CAROL BOSWELL DREAM MAKERS TEAM INC.

    2960 H Clark Rd, Fayetteville, NC 28306
  • /36

    $399,500

    • 5 Beds
    • 3 Baths
    • 2,493 Sq Ft

    2908 Franzia Dr, Fayetteville, NC 28306

    Located in the highly desirable Birch Creek community within the sought-after Jack Britt School District, this spacious 5-bedroom, 3-bath home offers an outstanding combination of comfort, functionality, and versatility. Featuring durable brick and Hardie board siding and a new roof installed in 2022, this home is built to last. Inside, you’ll find 9-foot ceilings downstairs, a welcoming living

    Vance Townsend TOWNSEND REAL ESTATE

    2908 Franzia Dr, Fayetteville, NC 28306
  • /6

    $125,000

    • Land
    • 3.24 Acres
    • $38,580 per Acre

    2310 Watson Lake Rd, Fayetteville, NC 28306

    Strategic investment opportunity: 3.24 Acres Near Crown Coliseum. List price includes .56ac lot on Lake Watson Road (PIN 0435-59-4377) and connected 2.68ac lot on Deslan Street (0435-59-4568). Unlock the potential of this unique multi-lot package located inside the Fayetteville city limits. Situated just minutes from the Crown Coliseum and the Owen Drive medical corridor, this property offers a

    Allen Faircloth ANTHEM PROPERTIES GROUP LLC

    2310 Watson Lake Rd, Fayetteville, NC 28306
  • /31

    $205,000

    • 3 Beds
    • 2 Baths
    • 1,183 Sq Ft

    1978 Christopher Way, Fayetteville, NC 28303

    Welcome to 1978 Christopher Way, Fayetteville, NC — a MOVE-IN READY home listed under $250K that checks every box you are searching for! Perfectly located just minutes from Fort Liberty (Fort Bragg), shopping, dining, and major commuter routes, this property is ideal for VA buyers, first-time homebuyers, military relocation, or investors seeking strong rental potential.Step inside to a bright

    Krystal Soares FATHOM REALTY NC, LLC FAY.

    1978 Christopher Way, Fayetteville, NC 28303
  • /19

    $199,000

    • 4 Beds
    • 2 Baths
    • 2,280 Sq Ft

    5934 Shiloah Church Rd, Fayetteville, NC 28306

    4 bedroom, 2 bathroom home situated on a 0.83 acre lot. Built in 2002, this property features a functional floor plan with spacious living areas and a fireplace. Brand new Metal Roof in October 2025, HVAC New in 2024, and Hot water heater 2022. Located in the Gray’s Creek area of Fayetteville, the home offers convenient access to Highway 87, shopping, dining, and FORT BRAGG. The large lot

    ROSAIDANIN GUADALUPE-RIVERA LPT REALTY LLC

    5934 Shiloah Church Rd, Fayetteville, NC 28306
  • /25

    $194,900

    • 3 Beds
    • 2 Baths
    • 1,106 Sq Ft

    5305 Thackeray Dr, Fayetteville, NC 28306

    Great priced 3br 2ba home between Hope Mills and Fayetteville. Home has formal dining room, galley kitchen, roomy walk-in closet in main bedroom. Home has been very well maintained. Small shed outside for lawn equipment. Don't miss your opportunity to have a home at a fantastic price. Centrally located to everything with easy access to shopping, dining, Ft. Bragg, I-295, and downtown Fayetteville.

    MARSHALL BROOKSHIRE BHHS ALL AMERICAN HOMES #2

    5305 Thackeray Dr, Fayetteville, NC 28306
  • /34

    $215,900

    • 3 Beds
    • 2 Baths
    • 1,251 Sq Ft

    652 Dowfield Dr, Fayetteville, NC 28311

    Move-In Ready 3BR/2BA Home with Fresh Updates and Great Outdoor Space!This beautifully updated home offers comfort, character, and a practical layout. With 3 bedrooms and 2 bathrooms, it features a bright living area with direct access to the back deck, perfect for relaxing or entertaining. The primary bedroom also opens to the deck and includes a walk-in closet and private bath.Inside,

    MITCHEAL DELVALLE CENTURY 21 Family Realty

    652 Dowfield Dr, Fayetteville, NC 28311
  • /33

    $212,500

    • 3 Beds
    • 2.5 Baths
    • 1,521 Sq Ft

    401 Lands End Rd, Fayetteville, NC 28314

    Rare single-level end-unit townhome in Land’s End offering 3 BR / 2.5 BA and true one-floor living, a layout that’s rarely available in this community. Hardwood floors throughout with tile baths and a spacious kitchen with ample cabinetry and a breakfast bar open to the main living areas. Enjoy coffee on the back deck or an easy walk to enjoy the beautiful views of McFadyen Lake, where residents

    CHLOE THALER COLDWELL BANKER ADVANTAGE - FAYETTEVILLE

    401 Lands End Rd, Fayetteville, NC 28314
  • /6

    $20,000

    • Land
    • 0.3 Acre
    • $66,667 per Acre

    0 Wilma St, Fayetteville, NC 28311

    Are you ready to build your new home or investment property in one of Fayetteville's fastest growing opportunity zones? You are minutes away from Fayetteville State if you want to build off campus housing, as well as close to Starbucks, McAllister's deli and more. FT Bragg and the home of the 82nd Airborne is 15 minutes away and you can get to downtown Fayetteville in about 10-15 minutes as well.

    GARLINDA PRICE FUSION PROPERTIES

    0 Wilma St, Fayetteville, NC 28311
  • /6

    $165,000

    • 4 Beds
    • 2 Baths
    • 1,580 Sq Ft

    4442 Chesterbrook Dr, Fayetteville, NC 28314

    4442 Chesterbrook Drive is conveniently located less than a mile from major shopping and restaurants, with the added benefit of being able to walk to school. This 4-bedroom, 2-bath home offers great potential and just needs a little TLC to make it a true gem. A fantastic opportunity for homeowners or investors looking to add value in a highly convenient location.

    Lewis Dove FATHOM REALTY NC, LLC FAY.

    4442 Chesterbrook Dr, Fayetteville, NC 28314
  • /3

    $449,900 New Construction

    • 5 Beds
    • 3.5 Baths
    • 2,509 Sq Ft

    930 Rhum (Lot 61) Dr, Fayetteville, NC 28311

    If you need a primary suite on the main level, welcome to the Heather floor plan by White Oak Homes! Nestled within a brand-new gated community offering spacious lots, this stunning 5-bedroom, 3.5-bath home sits on a 2.71 acre homesite and perfectly combines elegance and functionality. Step inside the grand two-story foyer, where you'll find a formal dining perfect for family gatherings! The

    Danny Thompson COLDWELL BANKER ADVANTAGE - FAYETTEVILLE

    930 Rhum (Lot 61) Dr, Fayetteville, NC 28311
  • /3

    $387,000 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,336 Sq Ft

    4284 Halkirk (Lot 307) Dr, Fayetteville, NC 28312

    Welcome to the Grantley Plan! All 4 bedrooms are located upstairs with 2 full bathrooms. Downstairs is another half bath, formal dining room and spacious study. The kitchen has quartz countertops. Throughout this home you will find custom upgrades. Blakefield neighborhood has a new walking trail, basketball court, and playground. Builder is offering 10k use as you choose incentives when using

    BRENDA 'MAGGIE' HIGH COLDWELL BANKER ADVANTAGE - FAYETTEVILLE

    4284 Halkirk (Lot 307) Dr, Fayetteville, NC 28312
  • /11

    $55,000

    • Land
    • 1.89 Acres
    • $29,101 per Acre

    2608 Blowing Rock Ct, Gray's Creek, NC 28348

    Discover a secluded parcel tucked away at the end of a private road, offering peace, privacy, and potential in the Grays Creek area. This property is currently accessible by foot, as a fallen tree is blocking the road, but once cleared, you’ll enjoy the quiet seclusion that comes with private access. Located just a short drive from nearby towns, shopping, and schools, this lot offers a perfect

    KALEB WHITE EXP REALTY LLC

    2608 Blowing Rock Ct, Gray's Creek, NC 28348
  • /21

    $210,000

    • 3 Beds
    • 2 Baths
    • 1,321 Sq Ft

    537 Deerpath Dr, Fayetteville, NC 28311

    Lovely home, just been painted inside and painted wood outside plus pressure washed vinyl siding outside. Air condition was replaced in Sept 2015, Roof new in April 2011, Water heater Oct 2015. Ready to move in. Just take a look and make an offer. the Crawlspace has been closed up and there will be a cost to transfer this to the Buyer.We have removed the door to the fireplace it was

    Kathy Olsen OLSEN REALTY

    537 Deerpath Dr, Fayetteville, NC 28311
  • /35

    $350,000

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

    416 Jax Ct, Fayetteville, NC 28312

    Welcome home to this beautifully maintained 4-bedroom, 2.5-bathroom residence, perfectly situated on a spacious 1⁄2 acre lot. Enjoy the peaceful feel of country living — wide open skies, room to breathe — while still being close to town, shopping, dining, schools, and daily essentials. The inviting main level features an open and bright floor plan—ideal for entertaining and everyday living. The

    EMALY BOSTAPH LPT REALTY LLC

    416 Jax Ct, Fayetteville, NC 28312
  • /49

    $299,900

    • 3 Beds
    • 2 Baths
    • 2,247 Sq Ft

    3659 Lake Forest Rd, Hope Mills, NC 28348

    Welcome to this inviting 3 Bedroom 2 Bathroom home in Hope Mills. Recent updates include New Stainless-Steel Appliances, New Carpet and Fresh Interior Paint, giving the home a clean modern feel while maintaining its original charm. With a functional floor plan and comfortable living spaces, this home is move in ready. A formal Living Room, Dining Room, Kitchen with Breakfast area, Family Room and

    LYNN RICHARDS GROUP THE LYNN RICHARDS GROUP

    3659 Lake Forest Rd, Hope Mills, NC 28348
  • /20

    $160,000

    • 3 Beds
    • 2 Baths
    • 1,314 Sq Ft

    6417 Morning Glory Dr, Stedman, NC 28391

    Charming Ranch-Style Home featuring three comfortable bedrooms and two full bathrooms. This well-laid-out home offers a practical kitchen and dining room combination with a convenient pantry for added storage. Carpet and vinyl flooring throughout provide a blend of comfort and easy maintenance. Enjoy relaxing on the welcoming front porch, with additional access via a side stoop. The rear detached

    AISHA FUTRELLE DASH CAROLINA

    6417 Morning Glory Dr, Stedman, NC 28391
  • /26

    $169,999

    • 3 Beds
    • 1 Bath
    • 1,156 Sq Ft

    3115 Legion Rd, Hope Mills, NC 28348

    Recent price adjustment makes this one of the best investment opportunities in Hope Mills. The seller is offering $6,000 in seller concessions, which may be used toward buyer closing costs, upgrades, or repairs. Located on a corner lot in a well-established neighborhood, this home is within walking distance of restaurants and shopping -- an added bonus for tenants and future resale. The property

    Koren Bowman Keller Williams Premier

    3115 Legion Rd, Hope Mills, NC 28348
  • /26

    $194,000

    • 3 Beds
    • 2 Baths
    • 1,506 Sq Ft

    457 Baywood Rd, Fayetteville, NC 28312

    Remodeled primary suite. Brand-new windows. New stove. Fresh paint, new blinds, new carpet. Recently serviced HVAC. The heavy lifting has already been done! Tucked away off Baywood Rd, this 3-bedroom, large flex room, 2- full bath home offers over 1,500 square feet of updated, move-in-ready living space with meaningful improvements that add real value. All-new energy-efficient windows from Window

    TIER One Real Estate Services COLDWELL BANKER ADVANTAGE - YADKIN ROAD

    457 Baywood Rd, Fayetteville, NC 28312
  • /25

    $305,000

    • 3 Beds
    • 2 Baths
    • 1,739 Sq Ft

    5532 Thackeray Dr, Fayetteville, NC 28306

    Welcome home to this spacious and inviting 3-bedroom, 2-bath residence featuring over 1,700 square feet of comfortable living space. This home has been exceptionally cared for and offers peace of mind with major updates already done including a new roof (2019), HVAC system (2020), and hot water heater (2023). Inside, you’ll find a bright and open layout with plenty of room for gathering and

    KENITA BARRETT GRANT-MURRAY HOMES

    5532 Thackeray Dr, Fayetteville, NC 28306
  • /45

    $850,000

    • 5 Beds
    • 4.5 Baths
    • 4,459 Sq Ft

    440 Valley Rd, Fayetteville, NC 28305

    Located in the highly sought-after Forest Lakes neighborhood just outside Highland Country Club, this sprawling one-story home offers over 4,000 sq ft of living space with beautiful lake views. Featuring 5 bedrooms, 4.5 baths, and 3 spacious living areas, this home blends classic charm with modern updates. The kitchen boasts granite countertops, white cabinetry, stainless steel appliances, and a

    Vance Townsend TOWNSEND REAL ESTATE

    440 Valley Rd, Fayetteville, NC 28305
  • /25

    $184,900

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

    2967 Peacock St, Hope Mills, NC 28348

    Charming 3-bedroom, 2-bath brick home offering nearly 1,200 square feet of well-maintained living space on a spacious .21-acre lot with no HOA. Currently used as a primary rental residence, this home can be move-in ready with short notice for a new owner. A great opportunity for buyers seeking comfort, space, and flexibility—reach out for more information.

    The Domenico Grillo Real Estate Team Keller Williams Innovate-Wilmington

    2967 Peacock St, Hope Mills, NC 28348
  • /31

    $320,000

    • 3 Beds
    • 3.5 Baths
    • 2,031 Sq Ft

    3102 Ansley Ct, Hope Mills, NC 28348

    Welcome home to this beautifully updated brick ranch, ideally situated on a quiet cul-de-sac with a spacious, fully fenced backyard. Officially listed as a 3-bedroom home, this property actually offers 5 bedrooms and 3.5 bathrooms, providing exceptional flexibility for everyone, guests, home offices, or multi-generational living. With over 2,000 square feet, there is plenty of room to spread out

    Elena Potts OLD GLORY REALTY

    3102 Ansley Ct, Hope Mills, NC 28348
  • /30

    $169,900 Open Sat 11AM - 1PM

    • 3 Beds
    • 2 Baths
    • 1,188 Sq Ft

    2918 Dothan Dr, Fayetteville, NC 28306

    This home has been thoughtfully updated and offers a practical layout with 3 bedrooms and 2 full baths in approximately 1,200 square feet. Recent improvements create a clean, modern feel, including durable luxury vinyl plank flooring throughout the main living areas and bedrooms. The kitchen has been refreshed with laminate counters, stainless appliances, and updated finishes, while both baths

    Martina Erdmeier REAL BROKER LLC

    2918 Dothan Dr, Fayetteville, NC 28306
  • /46

    $325,000

    • 4 Beds
    • 2.5 Baths
    • 2,357 Sq Ft

    408 Gleneagles Ct, Fayetteville, NC 28311

    This Tudor-style 4-bedroom home is filled with natural light and offers a flexible layout with thoughtful living spaces throughout. The primary suite is conveniently located on the main level along with an additional bedroom, while upstairs features two more bedrooms, a full bathroom, and an extra living area—ideal for a bonus space or second lounge. The living room showcases hardwood floors, a

    WELCOME HOME TEAM KELLER WILLIAMS REALTY (FAYETTEVILLE)

    408 Gleneagles Ct, Fayetteville, NC 28311

Showing Results 281 - 320, Page 8 of 18

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