2,389

Cumming, GA Homes for Sale

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  • /8

    $1,150,990 New Construction

    • 5 - 6 Beds
    • 4.5 - 5.5 Baths
    • 3,579+ Sq Ft

    Yonah Plan at Estates at Dave Creek - Estates at Daves Creek, Cumming, GA 30041

    Beazer Homes Builder
    2042 Daves Creek Road St Unit 39670734, Cumming, GA 30041
  • /75

    $594,900

    • 3 Beds
    • 2 Baths
    • 2,060 Sq Ft

    5090 Duke Dr, Cumming, GA 30040

    Enjoy effortless ONE-LEVEL LIVING in this beautifully UPDATED & RENOVATED hard to find, ranch home, ideally located in the highly sought-after Kingswood at Castleberry community in South Forsyth County. Benefit from Forsyth County’s LOW TAXES for qualified seniors and a prime location just minutes from shopping, dining, Northside Forsyth Hospital, and medical offices.***Immaculately maintained

    Robyn Sprague HomeSmart

    5090 Duke Dr, Cumming, GA 30040
  • 2515 Wilton Ct Unit 36358580, Cumming, GA 30041

    $1,054,995 New Construction

    • 5 Beds
    • 5.5 Baths
    • 3,674 Sq Ft

    Peterson with Basement Plan at Willow Glen - Reserve Collection, Cumming, GA 30041

    The Peterson with Basement offers an exceptional blend of luxury and style across its well-designed floor plan. An impressive two-story foyer leads into a stunning open-concept living area, highlighted by a two-story great room with a fireplace. Overlooking a casual dining area, the well-appointed kitchen offers a large center island, a walk-in pantry, and a butler pantry that connects to a

    Toll Brothers, Inc. Builder
    2515 Wilton Ct Unit 36358580, Cumming, GA 30041
  • /44

    $545,000

    • 3 Beds
    • 2 Baths
    • 1,897 Sq Ft

    5910 Stellata Cir, Cumming, GA 30028

    Great price for this one-level home with an inviting, feel-good vibe. Thoughtfully designed with a blend of brick, cedar shake accents, and Hardie board siding, this home offers both charm and durability. With nearly 1,900 square feet, the open and airy floor plan is filled with natural light, highlighted by a wall of windows overlooking peaceful wooded views. The fireside great room features a

    Rhonda Forbes Keller Williams Lanier Partners

    5910 Stellata Cir, Cumming, GA 30028
  • /61

    $745,000

    • 5 Beds
    • 4 Baths
    • 2,738 Sq Ft

    4405 Heathcliff Way, Cumming, GA 30041

    Welcome to Cumming living at its finest in this beautifully maintained 5-bedroom, 4-bath home located in the highly sought-after Brandon Hall community. Built in 2012, this spacious residence offers approximately 2,738 square feet of thoughtfully designed living space with an open-concept layout perfect for both everyday living and entertaining. The heart of the home features an upgraded kitchen

    Alex Hulsey Simple Showing, Inc.

    4405 Heathcliff Way, Cumming, GA 30041
  • /25

    $749,088 New Construction

    • 5 Beds
    • 4 Baths
    • 3,219 Sq Ft

    1618 Traveler Trace, Cumming, GA 30040

    Welcome Home to the Woodward at Berkeley Mill! This thoughtfully designed two-story home perfectly blends timeless charm with modern functionality. Step through a wide, welcoming foyer that leads to a private main-floor guest suite with full bath-ideal for visiting family or overnight guests. The open-concept first floor features a bright gathering room, a gourmet kitchen showcasing an oversized

    Jaymie Dimbath Pulte Realty of Georgia, Inc

    1618 Traveler Trace, Cumming, GA 30040
  • /8

    $1,199,990

    • 5 Beds
    • 3.5 Baths
    • 3,050 Sq Ft

    7640 Campground Rd, Cumming, GA 30040

    **Old Photos, Professional Pictures Coming Soon** Better Than New 5 Bed/3.5 Bath Home in Cumming with 150K+ Added in Renovations and In-Ground Pool! No-HOA Area in a Very Convenient and Quiet Area! Spacious One-Level Living with Master and 2 other Bedrooms on Main, and Oversized Deep 3-Car Garage on Kitchen Level. Massive 20x20 Screened in Deck Overlooking Private Pool Area Provides Seamless

    Kimberly Yates Yates Estates GA, LLC

    7640 Campground Rd, Cumming, GA 30040
  • /61

    $490,000

    • 4 Beds
    • 2.5 Baths
    • 2,786 Sq Ft

    9240 Wilshire Place, Cumming, GA 30028

    Located in a fantastic spot just off Highway 369 and Old Federal, only minutes from Eagle Beak Park, this home offers space, flexibility, and so much potential on just over half an acre. Step onto the front porch and into a welcoming foyer that separates the formal living and dining rooms, then flows easily into the main living area with a cozy fireplace. The oversized kitchen is a standout, with

    Christina Moore Century 21 Results

    9240 Wilshire Place, Cumming, GA 30028
  • /20

    $339,000

    • 3 Beds
    • 3.5 Baths

    1339 Pilgrim Lake Dr, Cumming, GA 30040

    Beautiful three-level townhome located in the sought-after Pilgrim Lake community in Cumming, Forsyth County. The main level features a one-car garage and a spacious bedroom with a full bathroom, perfect for guests, an office, or a private retreat. The second level offers an open-concept layout with a kitchen, dining area, and half bath, creating a comfortable and inviting space for everyday

    Carlos Acosta eXp Realty

    1339 Pilgrim Lake Dr, Cumming, GA 30040
  • /35

    $449,995

    • 4 Beds
    • 2.5 Baths
    • 2,116 Sq Ft

    4510 Roseman Trail, Cumming, GA 30040

    Welcome to this beautifully maintained 4-bedroom, 2.5-bath home with 2,116 sq ft in the highly sought-after Bridgetowne community of Forsyth County. This home features an inviting open floor plan with a spacious family room, cozy fireplace, breakfast area and views into the kitchen—perfect for everyday living and entertaining. The kitchen offers granite countertops, tile backsplash, all

    Bebe Still North Georgia Realty & Property Management, LLC.

    4510 Roseman Trail, Cumming, GA 30040
  • /67

    $640,000

    • 5 Beds
    • 4 Baths
    • 3,025 Sq Ft

    2970 Prestwood Dr, Cumming, GA 30040

    Tucked away on a quiet cul-de-sac in the highly sought-after Mountain Crest community, this stunning 5-bedroom, 4-bath home offers the perfect blend of comfort, style, and functionality. From the moment you step inside, you’ll be greeted by an open and inviting floor plan filled with natural light and thoughtfully designed living spaces. The spacious kitchen is a true centerpiece, featuring

    Don Bunch Keller Williams Realty Atlanta Partners

    2970 Prestwood Dr, Cumming, GA 30040
  • /39

    $645,000

    • 3 Beds
    • 2 Baths
    • 2,855 Sq Ft

    6680 Bransford Dr, Cumming, GA 30040

    Welcome to this beautifully maintained large single-family ranch home located in the highly sought-after West Oaks subdivision. This home has been is a large ranch perfect for entertaining with a open family room over looking the kitchen, sun room, and dinning room, featuring high-quality engineered wood flooring in the public areas. The kitchen showcases a stunning chef’s kitchen with white

    Kelley Mcvicker Coldwell Banker Residential Real Estate, LLC

    6680 Bransford Dr, Cumming, GA 30040
  • /3

    $50,000

    • Land
    • 11,761 Sq Ft
    • $185,185 per Acre

    0 Imperial Dr Unit 10555771, Cumming, GA 30041

    Discover the perfect blend of nature and convenience with this beautiful, wooded lot featuring a serene creek flowing through the property. Tucked away on a quiet street, this parcel offers privacy and peaceful surroundings, making it ideal for building a custom home, weekend retreat, or investment property. Enjoy the lush greenery, mature trees, and soothing sound of the nearby creek-creating

    John Kissane Keller Williams Atlanta Perimeter

    0 Imperial Dr Unit 10555771, Cumming, GA 30041
  • /49

    $412,000

    • 3 Beds
    • 2 Baths
    • 1,832 Sq Ft

    4860 Wade Valley Way, Cumming, GA 30040

    Welcome to 4860 Wade Valley Way with 3 Bedrooms and 2 Bathrooms. This modern rental-ready home features approximately 1,832 square feet of space. Highlights include a private patio/balcony for outdoor enjoyment, convenient in-unit washer/dryer hookups, and a spacious floor plan designed for contemporary living. Cumming is a premier destination for outdoor lovers, centered around the stunning Lake

    Livian Ascend Keller Williams North Atlanta

    4860 Wade Valley Way, Cumming, GA 30040
  • /70

    $685,000

    • 5 Beds
    • 4 Baths
    • 3,100 Sq Ft

    7650 Homer Dr, Cumming, GA 30028

    Better than new and barely lived in! Built in 2025 and occupied for less than a year, this stunning 5 bedroom, 4bathroom home offers the feel of brand-new construction without the wait. Featuring a beautiful farmhouse elevationand situated on a spacious, tree-lined lot in a newer community with scenic mountain views, this home blends moderndesign with comfortable living. The floor

    Will Hutson Century 21 Results

    7650 Homer Dr, Cumming, GA 30028
  • /32

    $599,990 New Construction

    • 4 - 5 Beds
    • 3 - 4 Baths
    • 2,580+ Sq Ft

    Stonebridge Plan at Settingdown Farms, Cumming, GA 30028

    Top-quality craftsmanship and remarkable luxuries combine to create The Stonebridge floor plan by David Weekley Homes in the Atlanta-area community of Settingdown Farms. Natural light shines on the sensational living spaces through energy-efficient windows to present a picture-perfect foundation for your personal style. The contemporary kitchen showcases ample room devoted to meal prep, dining,

    David Weekley Homes Builder
    4460 Beechnut Cir Unit 36464166, Cumming, GA 30028
  • /73

    $849,900

    • 5 Beds
    • 4 Baths
    • 3,918 Sq Ft

    3910 Sky River Ct, Cumming, GA 30040

    Welcome to Sierra Lake Living at Its Finest! Don’t miss this incredible opportunity to own a beautifully appointed home in the sought-after, gated Sierra Lake swim, lake, and playground community. Offering nearly 4,000 square feet, this spacious residence features 5 generously sized bedrooms and 4 full baths! Additional highlights include a 3-car garage, level cul-de-sac lot, screened porch and

    Doug Ferguson Atlanta Communities

    3910 Sky River Ct, Cumming, GA 30040
  • /35

    $720,000 New Construction

    • 4 Beds
    • 3.5 Baths
    • 2,912 Sq Ft

    2775 Marie Way, Cumming, GA 30028

    Don't miss this exceptional opportunity to own a newly built home in Yellowstone Farm featuring modern finishes and an open-concept layout designed for today's lifestyle! This 4-bedroom, 3.5-bath beauty offers a spacious main-level owner's suite, thoughtfully curated interiors by the renowned Crosby Design Group, and a seamless blend of comfort and style throughout. Construction is complete and

    Dallas Blanton eXp Realty

    2775 Marie Way, Cumming, GA 30028
  • /50

    $400,000

    • 3 Beds
    • 3.5 Baths
    • 1,967 Sq Ft

    2915 Englewood Dr, Cumming, GA 30040

    Welcome to one of the most conveniently located subdivisions in Cumming. A little about the home itself (including year round LED lighting); The large primary bedroom has extra large closet, an en-suite bath with separate soaking tub and shower. There are two good sized bedrooms. The wide hallway also gives access to a linen closet and large laundry room On the way downstairs to the main level we

    Steve Glawe WE Real Estate Advisors

    2915 Englewood Dr, Cumming, GA 30040
  • /57

    $700,000

    • 5 Beds
    • 3.5 Baths
    • 3,412 Sq Ft

    4615 Cold Spring Ct, Cumming, GA 30041

    Welcome to this beautiful SINGLE FAMILY HOME in sought-after James Creek! Located in the highly desirable South Forsyth school district, this bright and beautifully designed home offers 5 bedrooms, 3 full baths, 1 half bath, and about 3,412 square feet of living space. Built in 2013, it features an inviting entry, separate dining room, and an open-concept kitchen with gourmet cabinetry, granite

    Carol Smith Keller Williams Realty Atl. Partners

    4615 Cold Spring Ct, Cumming, GA 30041
  • /78

    $1,279,999 New Construction

    • 5 Beds
    • 5.5 Baths
    • 4,277 Sq Ft

    2275 Doctor Bramblett Rd, Cumming, GA 30028

    New Construction on a private 1 acre lot minutes from Downtown Cumming! Experience luxury living in this stunning 5-bedroom, 5.5-bath custom home offering 4,277 square feet of thoughtfully designed space. Nestled on a serene 1-acre private lot with no HOA, this residence blends modern comfort with timeless style. The main level features an open-concept layout ideal for entertaining, highlighted

    Paige Smith Maximum One Premier Realtors

    2275 Doctor Bramblett Rd, Cumming, GA 30028
  • 6205 Walker Farms Ct Unit 36358461, Cumming, GA 30028

    $748,995 New Construction

    • 5 Beds
    • 5.5 Baths
    • 3,545 Sq Ft

    Antioch Plan at Southbrooke, Cumming, GA 30028

    Open-concept living shines in the Antioch s sophisticated design. The expansive foyer opens into a bright flex room and a charming dining room, and further beyond is a soaring two-story great room. Adjacent, the well-designed kitchen is highlighted by a sizable casual dining area, rear yard access, a large center island with breakfast bar, plenty of counter and cabinet space, an ample walk-in

    Toll Brothers, Inc. Builder
    6205 Walker Farms Ct Unit 36358461, Cumming, GA 30028
  • /2

    $450,000

    • Land
    • 2.1 Acres
    • $214,286 per Acre

    1515 Hughes Dr, Cumming, GA 30040

    POTENTIAL COMMERCIAL 2.10 +/- ACRES NORTH FORSYTH COUNTY! CORNER LOT THAT ADJOINS A COMMERCIAL SITE 2.76 +/- ACRES FOR SALE FMLS 7725024

    Beth Moss Moss Real Estate, Inc.

    1515 Hughes Dr, Cumming, GA 30040
  • /67

    $449,000

    • 3 Beds
    • 2 Baths
    • 2,368 Sq Ft

    5570 Glenn Ivey Dr, Cumming, GA 30028

    Welcome to 5570 Glenn Ivey Drive, located in the sought-after Glenn Ivey community in Cumming, Georgia. Competitively priced at $460,000, this beautifully maintained true ranch offers 3 bedrooms, 2 bathrooms, and a flexible 300 sq ft unfinished bonus room upstairs-perfect for a fourth bedroom, private home office, media room, or playroom. Designed with both comfort and functionality in mind, the

    Danielle Walls Keller Williams Community Partners

    5570 Glenn Ivey Dr, Cumming, GA 30028
  • /68

    $475,000

    • 4 Beds
    • 2.5 Baths
    • 2,028 Sq Ft

    7230 Serenity Place, Cumming, GA 30041

    Location, Location! A gardener's paradise in Natures Peace in NE Forsyth County minutes from Lake Lanier! Beautifully maintained 4BR / 2.5 BA home. Less than 1 mile from Shady Grove Park AND Young Deer Creek Park. Sits on .46 cre private lot. Master Suite & Retreat on Main with double vanities and separate tub/shower. Comfortable floor plan features new LVP flooring on the main, fireplace in

    Mickey Hyams Keller Williams Realty Community Partners

    7230 Serenity Place, Cumming, GA 30041
  • /42

    $850,000

    • 5 Beds
    • 3.5 Baths
    • 3,566 Sq Ft

    3330 Carswell Bend, Cumming, GA 30028

    Exceptionally Priced Luxury in Montebello - Seller Says Bring All Offers! Welcome to a rare opportunity in Montebello, one of North Atlanta's most coveted luxury communities. The seller is highly motivated and ready to make a deal! This is your chance to own a thoughtfully upgraded Toll Brothers masterpiece at an incredible value. Bathed in natural light from dramatic two-story spaces and

    Glennda L Baker Coldwell Banker Realty

    3330 Carswell Bend, Cumming, GA 30028
  • /13

    $600,000

    • Land
    • 24,393 Sq Ft
    • $1,071,429 per Acre

    7910 Lotus Walk, Cumming, GA 30041

    Exceptional opportunity to build your custom luxury estate at The Lotus at Majors, an exclusive enclave in a prime Forsyth County location. This private, wooded homesite offers the ideal blend of tranquility and convenience, with effortless access to GA-400 and Peachtree Parkway (just off Exit 13) for a smooth commute. Enjoy being minutes from Fowler Park, as well as premier shopping, dining, and

    Chasity Tillman Pend Realty, LLC.

    7910 Lotus Walk, Cumming, GA 30041
  • /80

    $835,000

    • 6 Beds
    • 5 Baths
    • 4,484 Sq Ft

    3250 Sparling St, Cumming, GA 30041

    With beautiful curb appeal and tucked on a quiet cul-de-sac in Windermere, this move-in ready home stands out with a rare large, level backyard and inviting indoor-outdoor living spaces. Freshly updated with new carpet, fresh paint, and updated fixtures, the thoughtfully designed floor plan offers both elegant entertaining spaces and comfortable everyday living. Step inside to soaring ceilings

    Cole Team Real Broker, LLC.

    3250 Sparling St, Cumming, GA 30041
  • 3505 Settingdown Rd Unit 39626193, Cumming, GA 30028

    $674,995 New Construction

    • 4 - 5 Beds
    • 2 - 4.5 Baths
    • 2,785 Sq Ft

    Hearthwood Plan at The Crossing at Coal Mountain - Magnolia Collection, Cumming, GA 30028

    The Hearthwood pairs thoughtful design with everyday comfort. A welcoming foyer opens into a bright, open-concept layout where the great room, kitchen, and casual dining area connect effortlessly. The kitchen features a generous island, walk-in pantry, and easy access to a covered patio ideal for outdoor dining and relaxing. A flex room near the front of the home offers space for work or guests.

    Toll Brothers, Inc. Builder
    3505 Settingdown Rd Unit 39626193, Cumming, GA 30028
  • /31

    $714,900

    • 3 Beds
    • 2 Baths
    • 1,882 Sq Ft

    6082 Franklin Goldmine Rd, Cumming, GA 30028

    Just what you’ve been looking for! This four-sided brick ranch on acreage offers the perfect blend of country charm and everyday functionality located in Forsyth County at the Forsyth/Cherokee county line. Inside you will find gorgeous hardwood floors, a warm welcoming living room featuring a fireplace with wood-burning stove, creating the perfect cozy gathering space. The home offers an

    Penny Wilson Landmark Realty Associates, Inc.

    6082 Franklin Goldmine Rd, Cumming, GA 30028
  • /43

    $549,900

    • 4 Beds
    • 3 Baths
    • 2,423 Sq Ft

    3850 Pilgrim Mill Rd, Cumming, GA 30041

    Beautifully Updated Home with Exceptional Workshop & Outdoor Oasis - Minutes from Lake LanierThis thoughtfully upgraded property offers an impressive combination of stylish living spaces, versatile functionality, and outstanding outdoor amenities. At the center of the home is a newly redesigned kitchen showcasing premium oak cabinetry, quartz countertops, and a modern stainless steel gas

    Grove Homes Group Pure Real Estate Solutions

    3850 Pilgrim Mill Rd, Cumming, GA 30041
  • /28

    $469,900

    • 4 Beds
    • 2.5 Baths
    • 2,128 Sq Ft

    5565 Falls Landing Dr, Cumming, GA 30040

    4 BEDROOM HOME, GREAT LOCATION JUST OFF BETHELVIEW WITH GREAT SCHOOLS INCLUDING WEST FORSYTH HIGH, SWIM/TENNIS COMMUNITY WITH ACCESS TO BIG CREEK GREENWAY, HARDWOOD FLOORS ON ENTIRE MAIN, NEWER CARPET IN GREAT SHAPE NO STAINS, GREAT ROOM WITH GAS FIREPLACE, GRANITE KITCHEN AND SS APPLIANCES INCLUDING FRIG, LARGE MASTER SUITE WITH CEILING FAN, MASTER BATH WITH SOAKING TUB AND DOUBLE VANITY, GREAT

    Jeff Woodward Progressive Realty Atlanta

    5565 Falls Landing Dr, Cumming, GA 30040
  • /53

    $525,000

    • 3 Beds
    • 2 Baths
    • 1,832 Sq Ft

    3140 Carlton Rd Unit IV, Cumming, GA 30041

    Calling Investors and Handy Homeowners! Great opportunity to renovate and move in or add to your Investment Portfolio as a fix and flip! 3-Bed, 2-Bath ranch on a full basement in Lanier Country Club Estates. Own a home right on the lake with a covered dock! Large master bath with separate shower and whirlpool bathtub, and double vanity. Endless potential, just bring your contractor and your

    Kelly Coquerel KDH Realty, LLC

    3140 Carlton Rd Unit IV, Cumming, GA 30041
  • /4

    $689,746 New Construction

    • 4 Beds
    • 4.5 Baths
    • 3,012 Sq Ft

    4515 Beechnut Cir, Cumming, GA 30028

    The Kimball floor plan brings together smart design and everyday comfort in a layout that truly feels like home. As you walk in, you're welcomed by a private study, perfect for working from home or creating a quiet retreat. The main level opens up into a bright and inviting living space where the kitchen, dining, and family room all connect effortlessly, making it ideal for both daily living and

    Beverly Davison Weekley Homes Realty

    4515 Beechnut Cir, Cumming, GA 30028
  • /25

    $560,000

    • 4 Beds
    • 4 Baths
    • 2,591 Sq Ft

    4660 Shipley Ave, Cumming, GA 30028

    PRICED TO SELL | SUNSET VIEWS FROM PRIMARY SUITE | CUL-DE-SAC LOT | BUILT 2021 | SCREENED PORCH | GOURMET KITCHEN | HUGE SIDE YARD|.Welcome to this stunning Craftsman home on a quiet cul-de-sac in Cooper Place — one of Cumming's most sought-after communities. Nearly new construction at this price point is a rare opportunity, and this one delivers on every front. The board-and-batten exterior

    Vijay Eannamunenu Trend Atlanta Realty, Inc.

    4660 Shipley Ave, Cumming, GA 30028
  • /27

    $800,000

    • 3 Beds
    • 1 Bath
    • 1,196 Sq Ft

    6705 Shady Grove Rd, Cumming, GA 30041

    Rare opportunity on 6.6 acres zoned LR - Lake Residential, featuring approximately 537 feet of frontage along Shady Grove Road and set against the peaceful backdrop of Lake Lanier. This property blends natural beauty, privacy, and long-term value, with seasonal lake views and a tranquil setting that still enjoys close proximity to everyday conveniences. Surrounded by established lake amenities,

    Olivia Robinson BHHS Georgia Properties

    6705 Shady Grove Rd, Cumming, GA 30041
  • /79

    $1,299,000

    • 4 Beds
    • 4 Baths
    • 5,940 Sq Ft

    5755 Hopewell Rd, Cumming, GA 30028

    **Listed Under Appraised Value** Tucked away on a secluded 9.99-acre retreat, this custom executive estate delivers 5,900+ square feet of beautifully renovated living space designed for both everyday comfort and unforgettable entertaining. With over $125,000 in recent upgrades, this 4-bedroom, 4-bath home has been thoughtfully refreshed from top to bottom and is truly move-in ready. Inside,

    Larson O'Connor AtHome & Co Engel & Volkers Atlanta

    5755 Hopewell Rd, Cumming, GA 30028
  • /18

    $949,000 New Construction

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

    4295 Waylon Dr, Cumming, GA 30028

    READY APRIL!!! Popular Sweetwater Traditional floorplan, 2 car garage, 5 bedrooms, 4 bathrooms. Enter into the foyer, hardwoods throughout main level excluding guest bedroom with full bath featuring tiled, frameless glass shower on main, soaring two story ceiling in great room with fabulous sliding glass doors opening to covered deck and view of woods. Chef's kitchen with double ovens, microwave

    Shelley Call Toll Brothers Real Estate Inc.

    4295 Waylon Dr, Cumming, GA 30028
  • /30

    $622,900

    • 3 Beds
    • 2 Baths
    • 2,360 Sq Ft

    3321 Orwell Way Unit 3402, Cumming, GA 30041

    Welcome to Gatherings at Herrington, a gated 55+ Community located in Forsyth County. This RARE and PRISTINE 3 Bedroom, 2 Bath condo home is perfect for your low maintenance, secure, lock-and-leave lifestyle. Located on the 4th floor, this corner Penthouse unit is the largest in the community. Ride the elevator to your IMMACULATE home with a Gourmet Kitchen, Dining Room with doors (could be an

    Kim Schott JWC Real Estate, LLC.

    3321 Orwell Way Unit 3402, Cumming, GA 30041

Showing Results 401 - 440, Page 11 of 18

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