1,329

Cumming, GA Homes for Sale under $800,000

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  • /51

    $635,000

    $10K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,477 Sq Ft

    6985 Concord Mountain Trail, Cumming, GA 30028

    Welcome home to perfection! Better than new, absolutely stunning and impeccably maintained, this Craftsman ranch offers the easy main-level living you have been waiting for. From the moment you arrive, the beautiful landscaping and inviting curb appeal set the stage for a home filled with thoughtful details and quality finishes. The main level features three bedrooms and two baths, plus an

    Susan Bryja Harry Norman Realtors

    6985 Concord Mountain Trail, Cumming, GA 30028
  • /44

    $575,000

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

    4120 Evans Farms Dr, Cumming, GA 30040

    INCREDIBLE VALUE in Evans Farms! This gorgeous, move-in-ready home has been thoughtfully transformed with nearly $100,000 in recent designer upgrades, custom finishes, and premium features and now offers an exceptional opportunity in one of the area's most sought-after communities. From the moment you arrive, you'll appreciate the beautiful curb appeal, NEWER ROOF (January 2021), updated

    Jennifer Warner Method Real Estate Advisors

    4120 Evans Farms Dr, Cumming, GA 30040
  • /72

    $679,999

    $60K PRICE DROP
    • 5 Beds
    • 4 Baths
    • 3,302 Sq Ft

    4435 Hager Ct, Cumming, GA 30040

    This beautifully maintained single-family home, built in 2019, is ideally situated on a quiet cul-de-sac and offers the perfect blend of modern luxury, comfort, and functional living. Featuring 5 spacious bedrooms and 4 full bathrooms, this home has been thoughtfully designed to accommodate today's lifestyle with both style and convenience.At the heart of the home is a stunning, oversized

    Saima Kazmi Virtual Properties Realty.com

    4435 Hager Ct, Cumming, GA 30040
  • /46

    $700,000

    • 4 Beds
    • 3.5 Baths
    • 3,190 Sq Ft

    2120 Shaffer Rd, Cumming, GA 30041

    Welcome to this stunning four bedroom, three-and-a-half bath home, tucked on a private lot just minutes from Lake Lanier. From the moment you step inside, a soaring two-story foyer with a hand-painted cloud mural and an iron wrought staircase sets a truly custom, one-of-a-kind tone. The elegant two-story dining room, framed by ornate columns and rich custom wood trim, flows seamlessly into the

    Kate Semenikhin Vineyard Real Estate Group

    2120 Shaffer Rd, Cumming, GA 30041
  • /39

    $580,000

    $70K PRICE DROP
    • 4 Beds
    • 4 Baths
    • 3,178 Sq Ft

    2325 Ivey Oaks Rd, Cumming, GA 30041

    UNBELIEVABLE value in South Forsyth! Imagine finally having enough space for everyone-and everything. Nestled on a quiet cul-de-sac in one of South Forsyth's most desirable communities, this beautifully designed home offers the perfect combination of comfort, flexibility, and location. From the moment you walk in, you'll appreciate a floor plan that truly works for today's lifestyle. The

    Maxine Young Atlanta Communities

    2325 Ivey Oaks Rd, Cumming, GA 30041
  • /2

    $714,330

    New Construction
    • 4 Beds
    • 3.5 Baths
    • 3,495 Sq Ft

    8545 Oak Hollow Way, Cumming, GA 30041

    Say hello to the Rosewood. This stunning 3-bedroom, 2.5 baths ranch-style home is designed for comfort, while maximizing space. Featuring open concept living and dining room spaces ready for entertainment. Personalize the design of your home with a versatile study or an additional bedroom and bath in the upper level (Bonus room). Your beautifully appointed kitchen will be well organized with an

    Century Communities Builder
    8545 Oak Hollow Way, Cumming, GA 30041
  • /50

    $515,000

    $80K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,446 Sq Ft

    2300 Habersham Marina Rd Unit 102, Cumming, GA 30041

    **$15,000 CONCESSION offered!!!!!** This will cover most/all of closing costs or buy down your rate significantly. Seller also willing to pay for one year of dry stack storage at Bald Ridge Marina if you have a boat. Welcome to the future of lakeside living. This stunning, modern-luxury condo is located on the south shores of Lake Lanier and is an experience from the moment you walk through the

    Trisha Hoyes BHHS Georgia Properties

    2300 Habersham Marina Rd Unit 102, Cumming, GA 30041
  • /61

    $619,900

    $55K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 3,267 Sq Ft

    6575 Riley Rd, Cumming, GA 30028

    Private retreat on over an acre in North Forsyth with no HOA. Beautifully remodeled ranch on a full basement offering 3 bedrooms, 3 full baths, and a finished bonus room perfect for guests, an office, or playroom. Move-in ready with thoughtful updates throughout, including a well-finished kitchen and baths. The detached garage with cedar-shake detailing adds curb appeal and extra storage or

    Welch Team Keller Williams Community Partners

    6575 Riley Rd, Cumming, GA 30028
  • /18

    $799,000

    New Construction $179K PRICE DROP
    • 5 Beds
    • 5.5 Baths
    • 3,620 Sq Ft

    4315 Waylon Dr, Cumming, GA 30028

    The Willowbrook with Basement home design offers a thoughtful blend of elegance and functionality. The foyer opens to a versatile flex room and an elegant formal dining room. The heart of the home features an open-concept layout with a spacious great room flowing seamlessly into the casual dining area and gourmet kitchen. The kitchen boasts a large center island, walk-in pantry, and butler's

    Toll Brothers, Inc. Builder
    4315 Waylon Dr, Cumming, GA 30028
  • /76

    $670,000

    $15K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 3,229 Sq Ft

    5245 Sargent Dr, Cumming, GA 30040

    Welcome to 5245 Sargent Drive, Cumming, GA 30040—an exceptional opportunity to own a beautifully maintained, move-in-ready home in the highly sought-after Loring community, one of Forsyth County's premier swim/tennis neighborhoods. Featuring DR Horton's highly desirable Bellview floor plan, this elegant 4-bedroom, 3-bath residence seamlessly blends modern style, everyday comfort, and functional

    Sekhar Thadiparthi Sekhars Realty, LLC.

    5245 Sargent Dr, Cumming, GA 30040
  • /16

    $509,000

    • 4 Beds
    • 2.5 Baths
    • 2,681 Sq Ft

    2030 Clayburn Dr, Cumming, GA 30040

    Welcome home to a beautifully renovated gem in the sought-after Morgan Springs community! Perfectly positioned in the heart of Forsyth County, this exceptional 4-bedroom, 2.5-bath home blends stylish updates, thoughtful design, and everyday functionality—all on a spacious 0.68-acre lot with a large, level backyard. Step inside and immediately feel the difference. The open-concept floor plan

    Tammie Carter Engel & Volkers Atlanta

    2030 Clayburn Dr, Cumming, GA 30040
  • /39

    $599,000

    $46K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,402 Sq Ft

    7455 Ashford Manor Way, Cumming, GA 30040

    Exceptional Value in Ashford Manor! This is the opportunity buyers have been waiting for-resort-style living, a highly desirable Denmark High School district location, and a beautifully maintained home at an incredible value. Never touch a lawn mower again. Nestled on a quiet cul-de-sac, this move-in-ready 4-bedroom, 3-full-bath home offers an impressive combination of space, upgrades, privacy,

    Kathryn Harmon Coldwell Banker Realty

    7455 Ashford Manor Way, Cumming, GA 30040
  • /41

    $725,000

    New Construction $74K PRICE DROP
    • 5 Beds
    • 4 Baths
    • 3,199 Sq Ft

    3310 Hillshire Dr, Cumming, GA 30028

    The Hickory Manor Plan built by Peachtree Residential Properties! The model home is now offered at $725,000 following a $74,000 price reduction! Move-In Ready! Perched on one of Hillshire's most desirable homesites. From the moment you step inside, soaring ceilings and walls of windows frame a breathtaking lake view and Sawnee Mountain view. This home has a full unfinished basement and guest

    Tamra Wade RE/MAX Tru

    3310 Hillshire Dr, Cumming, GA 30028
  • /59

    $799,900

    $45K PRICE DROP
    • 7 Beds
    • 4 Baths
    • 4,113 Sq Ft

    3245 Sparling St, Cumming, GA 30041

    Located in one of the best school districts and most sought-after neighborhoods, this stunning three-story home has been fully renovated from top to bottom, including new floors, fresh paint, and updated bathrooms, offering a truly move-in ready experience. The main floor features high ceilings, a spacious living room, a formal dining room, and a warm, inviting family room with a beautiful

    Saba Iranikhah Century 21 Results

    3245 Sparling St, Cumming, GA 30041
  • /30

    $795,000

    $100K PRICE DROP
    • 4 Beds
    • 4 Baths
    • 4,660 Sq Ft

    3940 Miles Way, Cumming, GA 30040

    Looking for a home where the big updates are already done, the backyard feels private, and there's room for everyone to spread out? This move-in ready home delivers all of that - plus a heated saltwater pool, nearly an acre, and a quiet cul-de-sac setting in the West Forsyth High School district. Located in sought-after Ashebrooke, this 4-bedroom, 4-bath home offers a wonderful combination of

    Gary Shimer Virtual Properties Realty.com

    3940 Miles Way, Cumming, GA 30040
  • /62

    $749,900

    • 6 Beds
    • 4.5 Baths
    • 5,340 Sq Ft

    5660 Cascade Trail, Cumming, GA 30040

    Nestled in the highly sought-after Lake Forest community in North Forsyth, this beautifully updated luxury home offers the perfect blend of elegance, comfort, and functionality. Freshly painted throughout, the home features refinished hardwood floors, brand-new carpet, and stylish new LVP flooring, creating a move-in ready experience from the moment you step inside. Designed with entertaining in

    Corey Milford Keller Williams Community Partners

    5660 Cascade Trail, Cumming, GA 30040
  • /47

    $565,000

    • 4 Beds
    • 2.5 Baths
    • 2,644 Sq Ft

    3290 Summerpoint Crossing, Cumming, GA 30028

    Welcome home to comfort, style, and energy-efficient living! This beautifully maintained home welcomes you with a level front yard and an inviting covered rocking chair front porch-perfect for relaxing mornings or evening conversations. Step inside to a welcoming foyer that opens to a bright, spacious floor plan. The gourmet kitchen features granite countertops, stainless steel appliances, a

    Narendran Vellaisamy Chapman Hall Realtors Professionals

    3290 Summerpoint Crossing, Cumming, GA 30028
  • /33

    $560,000

    $25K PRICE DROP
    • 5 Beds
    • 3.5 Baths
    • 3,294 Sq Ft

    4825 Silver Leaf Dr, Cumming, GA 30040

    Welcome home to this beautiful three-sided brick residence offering timeless charm and modern comfort! Step inside to a spacious family room featuring a cozy fireplace, perfect for gathering with family and friends. A separate dining room provides an elegant space for hosting dinners and celebrations. The bright and inviting eat-in kitchen boasts solid surface countertops, a center island,

    Mark Spain Mark Spain Real Estate

    4825 Silver Leaf Dr, Cumming, GA 30040
  • /45

    $599,000

    $71K PRICE DROP
    • 4 Beds
    • 3.5 Baths
    • 3,184 Sq Ft

    6290 Birchfield Trail, Cumming, GA 30041

    Incredible new price! Motivated Seller! Don't miss this incredible opportunity. All reasonable offers will be thoughtfully considered. This beautifully updated home is in one of Cumming's most desirable communities. Offering generous living space, soaring ceilings, and thoughtful upgrades throughout, this home combines comfort, functionality, and peace of mind in a way that truly stands apart.

    Lisa Biddy Maximum One Community Realtors

    6290 Birchfield Trail, Cumming, GA 30041
  • /36

    $545,000

    $75K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,757 Sq Ft

    3630 Coldwater Ct, Cumming, GA 30041

    PRICE IMPROVEMENT!! Now offered at $545,000! Located in the sought-after Chattahoochee River Club and just minutes from Forsyth County Schools. This spacious three-bedroom home features a versatile bonus room ideal for a home office, recreation room, guest space, media room, or workout area. New carpet has been recently installed throughout the home. The spacious two-story living area overlooks

    Hani Odhner Coldwell Banker Realty

    3630 Coldwater Ct, Cumming, GA 30041
  • /39

    $535,000

    $34K PRICE DROP
    • 5 Beds
    • 3 Baths
    • 2,814 Sq Ft

    4110 Granby Cir, Cumming, GA 30041

    Welcome to 4110 Granby Cir, Cumming, a beautiful 5-bedroom, 3-bath home situated on a corner lot in the highly sought- after James Creek community and located in the top-rated Forsyth County School District. This 3-sided brick home welcomes you with a charming covered front porch and a spacious, well-designed layout. Inside, you'll find a formal dining room perfect for gatherings and an

    Mark Spain Mark Spain Real Estate

    4110 Granby Cir, Cumming, GA 30041
  • /43

    $589,000

    $21K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,476 Sq Ft

    5125 Dahlonega Hwy, Cumming, GA 30028

    Set on more than 2 acres of level, Commercial wooded land, this beautifully renovated all-brick ranch presents an extraordinary combination of comfort, privacy, and future opportunity. Thoughtfully updated from top to bottom—including new windows, plumbing, electrical, and gas lines—this home delivers modern peace of mind while maintaining timeless character. Inside, every detail has been

    Thomas Upton Compass

    5125 Dahlonega Hwy, Cumming, GA 30028
  • /43

    $535,000

    • 3 Beds
    • 4 Baths
    • 2,551 Sq Ft

    2735 Kimblewick Ct, Cumming, GA 30040

    Rare Primary on Main in one of Cumming's most sought-after gated communities, Stablegate at Mountain Crest! This meticulously maintained craftsman townhome delivers the perfect blend of upscale design and everyday functionality. The main level impresses with rich hardwoods, extra-wide doorways, and a bright open-concept layout that flows effortlessly from the gorgeous kitchen, featuring white

    Scott Abramson Atlanta Communities

    2735 Kimblewick Ct, Cumming, GA 30040
  • /35

    $650,000

    • 4 Beds
    • 2.5 Baths
    • 2,906 Sq Ft

    5110 Coventry Creek Dr, Cumming, GA 30040

    Welcome to a home designed for both everyday living and endless possibilities! The spacious, open floor plan features a primary suite on the main level, creating an ideal layout for multigenerational living while allowing for an expansive basement - 1900 total, 900 square feet of finished space and another 1000 unfinished. Flooring throughout the main level and finished basement areas is less

    Shannon Griffin Redfin Corporation

    5110 Coventry Creek Dr, Cumming, GA 30040
  • /2

    $649,500

    New Construction
    • 4 Beds
    • 3.5 Baths
    • 2,699 Sq Ft

    3420 Hillshire Dr, Cumming, GA 30028

    Peachtree Residential Builder
    3420 Hillshire Dr, Cumming, GA 30028
  • /55

    $599,000

    $50K PRICE DROP
    • 6 Beds
    • 5 Baths
    • 3,696 Sq Ft

    5305 Old Haven Ct, Cumming, GA 30041

    Welcome to Hampton Golf Village, one of North Forsyth's premier golf communities, where outstanding amenities, beautifully maintained homes, and a true sense of community make this one of the area's most desirable places to live. This beautifully maintained east facing traditional home offers an exceptional floor plan with five bedrooms, five full bathrooms, and flexible living spaces designed

    Coleman Group Maximum One Premier Realtors

    5305 Old Haven Ct, Cumming, GA 30041
  • /39

    $500,000

    • 4 Beds
    • 2.5 Baths
    • 2,684 Sq Ft

    5120 Minnow Ln, Cumming, GA 30028

    For Sale in desirable Northwest Forsyth County! This charming traditional home is tucked away at the end of a quiet cul-de-sac and offers 4 bedrooms, 2.5 bathrooms, and a spacious, functional floor plan. The open-concept main level features a welcoming family room that flows seamlessly into the kitchen and dining area, making it ideal for everyday living and entertaining. The kitchen is equipped

    Hersha Dadhia Keller Williams Realty North Atlanta

    5120 Minnow Ln, Cumming, GA 30028
  • /30

    $515,000

    $35K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,520 Sq Ft

    8130 Calloway Club Dr, Cumming, GA 30028

    PRIMARY BEDROOM ON MAIN + FULL BASEMENT + OVERSIZED WOODED LOT! This newer-construction 4-bedroom home in North Forsyth offers the space, privacy and flexibility that can be hard to find at this price point in Cumming. Designed for easy everyday living, the home features a spacious primary suite on the main level, while three additional bedrooms upstairs provide plenty of room for family, guests,

    Maxine Young Atlanta Communities

    8130 Calloway Club Dr, Cumming, GA 30028
  • /63

    $535,000

    $65K PRICE DROP
    • 4 Beds
    • 4.5 Baths
    • 4,686 Sq Ft

    6415 E Hills Ct, Cumming, GA 30041

    Great Price !!Lowest price with Basement and Golf Lot in Hampton's Golf Subdivision !! Experience THIS GOLF COURSE LOT 6th Fairway Tee Box Location/MOUNTAIN VIEWS LOCATED @ The Hampton's Golf Village Subdivision. This property boasts an inviting front porch, where you can enjoy your morning coffee while taking in the serene surrounding.Recent upgrades include : New Garage Doors, New Roof & Fresh

    Marion Hayes Atlanta Communities

    6415 E Hills Ct, Cumming, GA 30041
  • /28

    $585,000

    $15K PRICE DROP
    • 5 Beds
    • 3.5 Baths
    • 3,320 Sq Ft

    1810 Habersham Trace, Cumming, GA 30041

    Welcome Home to Comfort, Space & Convenience! Discover this beautifully updated home that is truly move-in ready. Luxuriously finished basement that includes an additional bedroom, full kitchen, and full bathroom. Ideal for extended family, guests, or multi-generational living. Move-in ready traditional elegance, less than a mile to Habersham Marina. Refreshed with new interior paint and updated

    Sohir Beshay Keller Williams Realty Atl. Partners

    1810 Habersham Trace, Cumming, GA 30041
  • /44

    $600,000

    • 3 Beds
    • 2.5 Baths
    • 2,187 Sq Ft

    2265 Springmonte Place Unit 1, Cumming, GA 30041

    Welcome home to this beautifully updated 3-bedroom, 2.5-bath home with a versatile **BONUS ROOM** adjoining the primary suite-perfect for a home office, sitting room, nursery, exercise space, or potential 4th bedroom. The main level features hardwood floors and an open, inviting layout designed for both everyday living and entertaining. The updated kitchen offers a center island and opens

    Lissa Watterson Keller Williams Realty Atl. Partners

    2265 Springmonte Place Unit 1, Cumming, GA 30041
  • /11

    $659,000

    New Construction $106K PRICE DROP
    • 4 Beds
    • 3.5 Baths
    • 3,300 Sq Ft

    4130 Mandolin Dr, Cumming, GA 30028

    The Carrington home design offers a thoughtful blend of style and functionality. Upon entering, a dramatic two-story foyer welcomes you and leads into an open-concept living area. The heart of the home features a spacious great room that flows into a casual dining area and a gourmet kitchen with an L-shaped counter, center island, and pantry, creating the perfect setup for entertaining. A

    Toll Brothers, Inc. Builder
    4130 Mandolin Dr, Cumming, GA 30028
  • /30

    $589,000

    • 3 Beds
    • 2 Baths
    • 2,337 Sq Ft

    7660 Donington Park Dr, Cumming, GA 30040

    Charming Ranch home on large private wooded lot. Spacious light filled, living areas with wood floors. Living room anchored by fireplace with marble surround and gas starter. Sunroom is cozy spot for sipping your coffee in the morning or relaxing in the evening. Kitchen with white cabinets, granite counters and large island with beautiful wooden top. Stainless Steel appliances in the kitchen. The

    BEVERLY B JONES BHHS Georgia Properties

    7660 Donington Park Dr, Cumming, GA 30040
  • /36

    $728,900

    New Construction
    • 3 Beds
    • 3 Baths
    • 2,878 Sq Ft

    5230 Heirloom Overlook, Cumming, GA 30040

    RARE LUXURY RANCH OPPORTUNITY - OCTOBER DELIVERY Imagine coming home to a beautifully crafted 4-sided brick luxury ranch nestled on a premium, private homesite in the sought-after Heirloom community. This exceptional Alexander floor plan offers 3 bedrooms, 3 baths, expansive open living spaces, and the effortless elegance of one-level living. But what truly sets this home apart is the homesite-a

    Kristen Triplett Gideon EAH Brokerage LP

    5230 Heirloom Overlook, Cumming, GA 30040
  • /25

    $675,000

    $20K PRICE DROP
    • 5 Beds
    • 4 Baths
    • 5,807 Sq Ft

    4305 Hopewell Manor Dr, Cumming, GA 30028

    Welcome Home to 4305 Hopewell Manor Drive! Every inch of this extraordinary 5-bedroom, 4-bath masterpiece has been thoughtfully curated, meticulously maintained, and beautifully designed to create a home that is both stunning and inviting. From the moment you step through the front door, you'll experience a level of craftsmanship, sophistication, and attention to detail that sets this home apart.

    Richie Torrance Keller Williams Realty Peachtree Rd.

    4305 Hopewell Manor Dr, Cumming, GA 30028
  • /30

    $575,000

    • 3 Beds
    • 3 Baths
    • 2,349 Sq Ft

    5250 Aubrey Ln, Cumming, GA 30028

    Bright home with spacious rooms on a 2 acre property! Experience the perfect balance of country charm and modern comfort in this beautifully updated home, nestled on picturesque land. Relax on the inviting rocking-chair front porch, then step inside to discover a thoughtfully designed interior ideal for everyday living and effortless entertaining. The spacious main-level primary suite offers a

    Stephanie Beckwith Redfin Corporation

    5250 Aubrey Ln, Cumming, GA 30028
  • /31

    $539,900

    $10K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 4,000 Sq Ft

    5520 Tallantworth Trail, Cumming, GA 30040

    This beautiful home in the award-winning West Forsyth district has been thoughtfully updated, offering modern finishes and move-in-ready comfort throughout. The only spaces left to personalize are the upstairs bathrooms, giving you the perfect opportunity to add your own style. From designer lighting and refinished hardwood floors on the main level to fresh interior paint throughout, every space

    Emily Johnson Keller Williams Lake Oconee

    5520 Tallantworth Trail, Cumming, GA 30040
  • /76

    $565,000

    • 6 Beds
    • 3.5 Baths
    • 3,333 Sq Ft

    6015 Thrasher Ct, Cumming, GA 30028

    Looking for a spacious home in the highly sought-after Forsyth County School District with room for everyone and everything? Welcome to 6015 Thrasher Court in Cumming, where comfort, flexibility, and thoughtful updates come together in a community where neighbors put down roots and stay for years. This impressive 6-bedroom, 3.5-bath home offers over 3,300 square feet of living space designed for

    Michelle McKeon eXp Realty

    6015 Thrasher Ct, Cumming, GA 30028
  • /33

    $545,000

    • 3 Beds
    • 3 Baths
    • 2,749 Sq Ft

    1340 Oak Meadows Ln Unit 1801, Cumming, GA 30041

    OPEN * LIGHT * BRIGHT! Gorgeous 3 Bedroom, 3 Bath Home in one of the most desirable 55+ Communities -Brandon Oaks in Cumming. This was the former model featuring a very Open and Bright Floor Plan with Designer upgrades galore. A welcoming covered front porch provides the perfect place to relax, while fresh paint throughout the home - including the garage- creates a bright, move-in-ready

    Judy Price Atlanta Communities

    1340 Oak Meadows Ln Unit 1801, Cumming, GA 30041
  • /2

    $696,037

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

    4795 Briscoe Dr, Cumming, GA 30028

    Experience the perfect blend of style and function on the main floor, where an expansive, light-filled family room flows seamlessly into a gourmet-inspired kitchen, making it the ultimate hub for daily life and entertaining. This level is designed for both productivity and convenience, featuring an inviting study ideal for a home office, a private guest bedroom with easy access to a full bath,

    David Weekley Homes Builder
    4795 Briscoe Dr, Cumming, GA 30028

Showing Results 601 - 640, Page 16 of 17

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