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Homes for Sale near Guidepost Montessori at Folsom

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  • /61

    $1,199,000 Open Sat 12PM - 3PM

    • 4 Beds
    • 3.5 Baths
    • 3,312 Sq Ft

    5092 Gold Rush Dr, Folsom, CA 95630

    This north-facing residence in the coveted White Rock Springs neighborhood of Folsom Ranch blends thoughtful design, modern upgrades, and exceptional functionality. Built by Lennar, this brand-new Next GenĀ® home features a private suite with its own entrance, living area, bedroom, full bathroom, and included appliancesperfect for multigenerational living, guests, or a private office setup. The

    Ahrash Zamanian eXp Realty of California Inc.

    5092 Gold Rush Dr, Folsom, CA 95630
  • /58

    $759,000

    • 5 Beds
    • 3 Baths
    • 2,688 Sq Ft

    8725 Pathfinder Ct, Orangevale, CA 95662

    Step into this remarkable Ranch home where captivating curb appeal meets comfort and convenience. Nestled in a peaceful Cul-de-Sac, this 5-bedroom, 3-bath residence features a striking brick front elevation and lush landscaping that welcomes you home. Inside offers an open floor plan with formal living/dining rooms and natural light from large windows. The gourmet kitchen is a highlight, offering

    Brian Perry Compass

    8725 Pathfinder Ct, Orangevale, CA 95662
  • /60

    $1,090,000

    • 4 Beds
    • 3 Baths
    • 2,740 Sq Ft

    8856 Venikov Place, Orangevale, CA 95662

    Tuscan Village Estates. The home is contemporarily classic in its very essence. With ten-foot ceilings, this one-story, 4 bed/3 bath home sits on over half an acre. Perfect for entertaining. There is 2740sqft of living space all with a warm open feeling. Energy features include vertical blinds in the dining room, the room by the front, and front door, a whole house fan, dual pane windows, and

    Derek Clark Derek Clark, Broker

    8856 Venikov Place, Orangevale, CA 95662
  • /56

    $749,900

    • 3 Beds
    • 2 Baths
    • 1,892 Sq Ft

    3106 Latham Ln, El Dorado Hills, CA 95762

    On a scenic, tree-lined street in one of El Dorado Hills' most desirable neighborhoods, you'll find this beautifully updated single-story home. This 3-bedroom, 2 bath home offers a thoughtfully designed layout perfect for modern living. The open-concept kitchen flows seamlessly into a warm and inviting family room, ideal for gatherings and everyday comfort. Just off the main living space, you'll

    Alison Traverse Warren Coldwell Banker Realty

    3106 Latham Ln, El Dorado Hills, CA 95762
  • /30

    $185,000

    • 3 Beds
    • 2 Baths
    • 1,488 Sq Ft

    479 Christopher St Unit 128, Folsom, CA 95630

    Welcome to your next home in Lakeside Village, (55+ Senior Community) This well-maintained and spacious residence offers comfort and privacy with a thoughtfully designed layout. Enjoy cooking in the generous kitchen, which flows seamlessly into the adjacent dining areaperfect for entertaining. Separate living and family rooms provide plenty of space to relax or host guests. At the front of the

    Evelyn Jenkins 1st Choice Realty & Associates

    479 Christopher St Unit 128, Folsom, CA 95630
  • /53

    $499,950

    • 2 Beds
    • 2 Baths
    • 1,728 Sq Ft

    512 Vessona Cir Unit 512, Folsom, CA 95630

    Vessona! VA Buyers come see! Wonderful Residential Area! Loving these 'Treetop Views' - stunning updated community to enjoy in Folsom! THIRD BEDROOM IS FOR OFFICE SPACE ONLY - NOT SLEEPING AS ITS RESTRICTED BY HOA FOR SLEEP ROOM. This beautiful home has a newer hvac system and water heater * just freshly painted inside and brand spanking new laminate floors too! The floorplan could work

    Debbie Woodruff Real Estate Debbie Woodruff Real Estate

    512 Vessona Cir Unit 512, Folsom, CA 95630
  • /96

    $3,330,000

    • 4 Beds
    • 7 Baths
    • 7,575 Sq Ft

    9624 Wexford Cir, Granite Bay, CA 95746

    The Crown Jewel of Wexford - Unrivaled Elegance Meets Resort-Style Living. Step into timeless luxury at this extraordinary custom estate in the prestigious, 24/7 gate guarded Wexford community. This architectural masterpiece seamlessly blends refined elegance with everyday livability and entertainment. From the moment you enter the grand marble foyer, you're greeted by soaring ceilings,

    Mimi Nassif Mimi Nassif Luxury Estates, Inc.

    9624 Wexford Cir, Granite Bay, CA 95746
  • /47

    $699,000 Open Sat 11AM - 1PM

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

    8635 Amber Oaks Ct, Fair Oaks, CA 95628

    JUST REDUCED FOR QUICK SALE! Now listed at $699,000 this is your chance to own a thoughtfully updated Fair Oaks home that offers comfort, value, and charm in a prime cul-de-sac location. Perfect for multi-generational living. Key Features & Upgrades: Roof, sewer, and heater (2020) includes 50-year transferable roof warranty HVAC and heat pump (2023) Updated bathrooms, multi-level

    Rachel Minyard Surroundings

    8635 Amber Oaks Ct, Fair Oaks, CA 95628
  • /69

    $792,000 Open Sat 11AM - 1PM

    • 4 Beds
    • 2.5 Baths
    • 2,039 Sq Ft

    949 Glennfinnan Way, Folsom, CA 95630

    GORGEOUS greenbelt views! Welcome to this beautifully maintained 4 bedroom, 2.5 bathroom, single-story home, backing up to a gorgeous green belt. Located in one of the most sought-after communities within Empire Ranch. Step inside to a freshly painted interior and brand-new carpeting, greeted by plenty of natural light & fresh air throughout the house. The spacious floor plan is ideal for

    Aaron Ralls eXp Realty of California Inc.

    949 Glennfinnan Way, Folsom, CA 95630
  • /40

    $490,000

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

    1717 Vessona Cir Unit 1717, Folsom, CA 95630

    Price Improvement! Welcome to this beautifully maintained 2 bed, 2 bath lower-level single story condo located in the desirable gated Vessona community. With over 1,300 square feet of open living space, this home features an open and inviting layout adorned with luxury vinyl flooring throughout. The spacious living room provides a warm and welcoming atmosphere, while the kitchen boasts ample

    Melanie Oberlander eXp Realty of Northern California, Inc.

    1717 Vessona Cir Unit 1717, Folsom, CA 95630
  • /59

    $639,900

    • 3 Beds
    • 2 Baths
    • 1,691 Sq Ft

    6033 Dahboy Way, Orangevale, CA 95662

    Gorgeous remodel with attention to detail and pride in workmanship. This home is flooded with natural light which enhances the pleasing color palette. The expansive kitchen has quartz counters for miles, high-quality stainless-steel appliances, a custom hood, new cabinets and loads of storage, including a walk in pantry. Check out the beautiful and artfully placed tiles in the kitchen as well

    Eva Paulson Windermere Signature Properties Fair Oaks

    6033 Dahboy Way, Orangevale, CA 95662
  • /51

    $209,955

    • 2 Beds
    • 2 Baths
    • 1,440 Sq Ft

    431 Nugget Dr, Folsom, CA 95630

    Gorgeous remodeled home, dual pane windows, VAULTED CEILINGS, sunroom w/dual pane windows, spacious kitchen, Large master bedroom, walk in closet, huge master bath w/newer Counter tops. beautifully landscaped, side by side parking! Located in Senior 55+ Pinebrook Village. The only 5Star Park in Folsom. On 75 acres, 2 mi of trails, Lake w/fountains, Pool, Indoor spa, Huge ballroom for lots of

    Sue Dreher Dreher & Associates Inc.

    431 Nugget Dr, Folsom, CA 95630
  • /98

    $3,995,000

    • 5 Beds
    • 7 Baths
    • 6,570 Sq Ft

    6000 Greystone Place, Granite Bay, CA 95746

    Stunning Santa Barbara-style estate located at prestigious Greystone gated community with private access to Granite Bay Golf Club. This estate seamlessly blends open-concept living with exceptional luxury. 6,570 Sq.ft estate remodeled in 2022, 5BR/7BA Designed with both family living and entertaining in mind. Elegant wood floor throughout the first floor, open floor plan with Chef Kitchen, grand

    Mimi Nassif Mimi Nassif Luxury Estates, Inc.

    6000 Greystone Place, Granite Bay, CA 95746
  • /14

    $299,999

    • Land
    • 0.43 Acre
    • $702,409 per Acre

    621 Landrise Ct, Folsom, CA 95630

    Great opportunity to build your dream home! This .42 acre residential lot in the desirable American Canyon River North Community is located at the end of a cul-de-sac providing extra privacy and limited traffic flow. Conveniently located to schools, parks and freeway access as well as walking, hiking and biking trails.

    Nick Sadek Nick Sadek Sotheby's International Realty

    621 Landrise Ct, Folsom, CA 95630
  • /43

    $499,500

    • 2 Beds
    • 2 Baths
    • 1,313 Sq Ft

    1206 Rivage Cir Unit 1206, Folsom, CA 95630

    Beautifully updated & move-in ready, this spacious 2-bedroom, 2-bath condo is the end unit offering an oversized driveway. Step inside to an open-concept living & dining area adorned with rich engineered hardwood floors, elegant crown molding, & charming wainscoting that create a warm, sophisticated ambiance. The stylish kitchen features granite countertops, an island with sink, & the perfect

    Michael Maddox Windermere Signature Properties Fair Oaks

    1206 Rivage Cir Unit 1206, Folsom, CA 95630
  • /59

    $850,000

    • 5 Beds
    • 3 Baths
    • 3,479 Sq Ft

    11725 Old Eureka Way, Gold River, CA 95670

    Gold River ** 4-CAR GARAGE ** is a rare find in Mother Lode Village! A grand foyer welcomes you with soaring ceilings and large windows that fill the home with natural light. The open concept living and dining areas are perfect for entertaining. The kitchen features white cabinetry, white countertops, and warm wood flooring that continues throughout the downstairs. Enjoy the inviting family

    Peggy Boling RE/MAX Gold El Dorado Hills

    11725 Old Eureka Way, Gold River, CA 95670
  • /26

    $568,000

    • 2 Beds
    • 2 Baths
    • 1,012 Sq Ft

    645 Fundenhall Ct, Folsom, CA 95630

    This tastefully upgraded, single story home nestled in a gated HOA community, in beautiful Folsom, California offers a bright open layout with high quality finishes and upgrades to the kitchen and baths. Luxury vinyl plank (LVP) flooring was installed throughout the home creating a consistent flow & cohesive feel. Take advantage of the whole house fan to keep the home cooler and the utility bill

    Sheena Reithmeier Reithmeier Properties

    645 Fundenhall Ct, Folsom, CA 95630
  • /23

    $149,000

    • 2 Beds
    • 2 Baths
    • 1,140 Sq Ft

    77 Redwood Ln, Folsom, CA 95630

    Come see the beautifully maintained doublewide Vagabond 2 bedroom, 2 bathroom home in the quiet Folsom Manor 55 plus Mobile Home Park. This home has had updates with new laminate floors in the kitchen, livingroom, bathrooms and hallway plus new carpet in the bedrooms. Its had a fresh coat of paint and is maintained beautifully. The kitchen has updated appliances to include a gas stove,

    Tina Farren Sunrise Homes

    77 Redwood Ln, Folsom, CA 95630
  • /63

    $299,500 Open Sun 11AM - 2PM

    • 2 Beds
    • 2 Baths
    • 1,260 Sq Ft

    136 Pinebrook Dr, Folsom, CA 95630

    This is the home you've been waiting for! Outstanding home located in Folsom's 5 Star senior park. Home built in 2000, sheetrock walls, vaulted ceilings, laminate flooring & dual pane windows. 2 spacious bedrooms, den/office (or 3rd bedrm)w/ceiling fans. Open spacious floor plan, kitchen w/abundance of cabinetry. Entertain w/ease in your tranquil backyard or the spacious redwood deck! Beautifully

    Judy Black Realty World - Luxe Homes & Land

    136 Pinebrook Dr, Folsom, CA 95630
  • /33

    $735,000

    • 4 Beds
    • 3 Baths
    • 2,000 Sq Ft

    1550 Bonanza Ln, Folsom, CA 95630

    Discover this beautifully updated 4 bedroom, 3 bathroom home that combines modern design, thoughtful layout, and unbeatable convenience. The highly desirable downstairs bedroom and full bath offer flexible options, perfect as a guest suite, home office, playroom, or gym. The open-concept great room creates a seamless flow between the kitchen, dining, and family areas - ideal for everyday living

    Meredith Santos eXp Realty of Northern California, Inc.

    1550 Bonanza Ln, Folsom, CA 95630
  • /68

    $510,000

    • 2 Beds
    • 2.5 Baths
    • 1,347 Sq Ft

    301 Blossom Rock Ln Unit 53, Folsom, CA 95630

    This beautifully maintained condo is located in a prime corner location at the Outlook at Treehouse development. As a light-filled corner unit on the ground floor, it offers both privacy and convenience, complete with an attached garage. The kitchen features granite countertops, stainless steel appliances, a gas range, and a dishwasher. The living room invites you to unwind by the cozy gas

    Kal kaur Singh Direct Realty and Mortgage

    301 Blossom Rock Ln Unit 53, Folsom, CA 95630
  • /24

    $575,000

    • 3 Beds
    • 2 Baths
    • 1,396 Sq Ft

    5040 Havelok St, Fair Oaks, CA 95628

    Prime Fair Oaks Living - Sparkling Pool, Updated Features & Room to Grow! Welcome to your ideal Fair Oaks retreat, where comfort, space, & thoughtful upgrades come together on a generous lot in one of the area's most sought-after neighborhoods. This beauty offers a rare blend of classic charm & modern convenienceperfect for everyday living & entertaining alike. Key Features Include:**Granite Slab

    Laura Miller KW Sac Metro

    5040 Havelok St, Fair Oaks, CA 95628
  • /63

    $229,000

    • 2 Beds
    • 2 Baths
    • 1,560 Sq Ft

    198 Shadowbrook Dr, Folsom, CA 95630

    Gorgeous, remodeled home,From the moment you walk in you will be impressed with all the amenities. Including dual pane windows, custom window treatments, crown molding, raised panel doors, Wide plank LVP flooring, granite countertop, induction electric range, baths remodeled, French doors into carpeted Master bedroom, fenced yard, sunscreens on huge covered deck, PLUS so much more.You won't be

    Sue Dreher Dreher & Associates Inc.

    198 Shadowbrook Dr, Folsom, CA 95630
  • /59

    $1,150,000

    • 4 Beds
    • 3.5 Baths
    • 3,989 Sq Ft

    5192 Piazza Place, El Dorado Hills, CA 95762

    It doesn't get more turnkey than this! Grand home on a greenbelt in a gated community in El Dorado Hills offers a quiet setting while still being close to stores and top-rated schools. Spread out in this spacious home with nearly 4,000 square feet of space. There are two primary en-suites, perfect for generational living, as well as a separate villa on the property that could be used for an

    Pettit Gilwee Windermere Signature Properties Downtown

    5192 Piazza Place, El Dorado Hills, CA 95762
  • /40

    $674,000

    • 3 Beds
    • 2.5 Baths
    • 1,828 Sq Ft

    4402 French Dr, Folsom, CA 95630

    Located in the highly sought-after Folsom Ranch community, this beautifully upgraded Lennar home in the Rockcress neighborhood offers the ideal blend of modern design and family-friendly living. Situated on a premium corner lot, the home features over $30,000 in upgrades and stunning low-maintenance landscaping, including artificial turf, a blooming rose garden, and a spacious side yardperfect

    Ahrash Zamanian eXp Realty of California Inc.

    4402 French Dr, Folsom, CA 95630
  • /44

    $799,000 Open Sat 12PM - 2PM

    • 4 Beds
    • 3 Baths
    • 2,231 Sq Ft

    1021 Kirby Ct, Folsom, CA 95630

    Discover the charm of Willow Springs in this beautifully maintained 4-bedroom, 3-bath home tucked away on a quiet cul-de-sac. Set on a spacious lot with low-maintenance landscaping, this home features a bright, open layout filled with natural light, vinyl and tile flooring, and a cozy fireplace in the family room. The updated kitchen includes new stainless steel appliances and opens seamlessly

    Ahrash Zamanian eXp Realty of California Inc.

    1021 Kirby Ct, Folsom, CA 95630
  • /43

    $550,000

    • 3 Beds
    • 2 Baths
    • 1,590 Sq Ft

    8531 Heather Cross Way, Orangevale, CA 95662

    Pretty street in a great neighborhood - home is in good / solid condition - outstanding floor plan with loads of living space - plenty of storage, home is super clean and has a low maintenance yard.

    Jodi Ash Century 21 Select Real Estate

    8531 Heather Cross Way, Orangevale, CA 95662
  • /71

    $1,175,000

    • 4 Beds
    • 3 Baths
    • 3,229 Sq Ft

    329 Canyon Falls Dr, Folsom, CA 95630

    Stunning custom home in highly sought-after American River Canyon North. Welcome to this exquisite property spanning 3,229 sq ft offering 4 spacious bedrooms, 3 bathrooms and an executive office. Step inside and you're captivated by the open floor plan blending style and functionality. The entertainer's kitchen is a showstopper with granite counters, freshly painted cabinets, stainless steel

    Cassandra Niklewski eXp Realty of Northern California, Inc.

    329 Canyon Falls Dr, Folsom, CA 95630
  • /10

    $675,000

    • Land
    • 1.04 Acres
    • $649,038 per Acre

    4530 Carmen Dr, El Dorado Hills, CA 95762

    Big price reduction! The Lake and city view sells itself in this exclusive gated Promontory Kalithea community. One of the last remaining water view lots, ready to build your dream home with utilities already hooked up.

    Brian Gorban Gorban

    4530 Carmen Dr, El Dorado Hills, CA 95762
  • /44

    $309,000

    • Land
    • 0.53 Acre
    • $583,019 per Acre

    0 Bordeaux Dr Unit 225054005, El Dorado Hills, CA 95762

    LAKE, GREENBELT, and SUNSET View!!! Build your Dream Home in prestigious gated Promontory community. This Great 0.5 acres w/ stunning Folsom Lake sunset view. It is surrounded by million-dollar custom homes and trees and is the perfect spot to build your custom home with Folsom Lake View. Walking distance to hiking/biking trail, parks, and school. Close to Empire Ranch Golf Course, Folsom Lake,

    Yvonne Yu Yvonne Yu Realty

    0 Bordeaux Dr Unit 225054005, El Dorado Hills, CA 95762
  • /26

    $475,000

    • Land
    • 1.21 Acres
    • $392,562 per Acre

    3115 Vista Lefonti, El Dorado Hills, CA 95762

    Spectacular view lot in Villadoro on a quiet culdesac. Build your dream home with panoramic views of the entire region from Mt. Diablo, the Downtown Sacramento skyline and Folsom Lake. Over 1.2 acre lot. Tree clearing and rough grading complete. Must see to appreciate!

    Ted DeFazio Keller Williams Realty EDH

    3115 Vista Lefonti, El Dorado Hills, CA 95762
  • /66

    $1,398,000

    • 5 Beds
    • 4 Baths
    • 3,922 Sq Ft

    140 Pinnacle Butte Ct, Folsom, CA 95630

    Luxury Living in Folsom. 3922 SQ FT includes Casita or (ADU) in back yard. This home offers 5 to 6 Bedrooms with two Primary Suites upstairs and 4 Bathrooms. This home comes with a bedroom and bathroom downstairs This home is located in a Cul-De-Sac in the desirable American River North Canyon area. Spacious and roomy kitchen perfect for entertaining with granite counters, Large Island and

    Marc DeContreaus Coldwell Banker Kappel Gateway

    140 Pinnacle Butte Ct, Folsom, CA 95630
  • /51

    $594,900

    • 4 Beds
    • 2.5 Baths
    • 2,121 Sq Ft

    8900 Visage Cir, Fair Oaks, CA 95628

    Discover luxury living in the gated Visage community of Fair Oaks! This stunning Mediterranean-style home offers 4 spacious bedrooms and 2.5 baths, with exquisite finishes throughouthigh ceilings with crown molding, elegant transomed doorways, and a freshly painted interior with smooth imperfect-texture walls. Enjoy the gourmet kitchen featuring an island bar, custom hood, Quartz counters and

    Hayley Friedman eXp Realty of California Inc.

    8900 Visage Cir, Fair Oaks, CA 95628
  • /66

    $639,000

    • 4 Beds
    • 2 Baths
    • 2,031 Sq Ft

    962 King James Way, El Dorado Hills, CA 95762

    Great Family Home Located In Established Neighborhood of Crown Village*Tri-Level Home*Owned 9.28Kw Solar*32 Solar Panels Installed*HVAC Approximately 5 Years Old*RV or Boat Access*Large Balcony Off Master Bedroom*Vaulted Ceilings*Light and Bright*Newer Skylight Installed*Plenty Of Storage*Newer Kitchen,Bathroom and Floors Remodeled Throughout*Stainless Steel Appliances*Granite Countertops*No HOA

    Michael Austin Prime Real Estate

    962 King James Way, El Dorado Hills, CA 95762
  • /48

    $779,900

    • 4 Beds
    • 2 Baths
    • 2,484 Sq Ft

    299 Katarina Ln, Folsom, CA 95630

    This truly exceptional home offers thoughtful design, elegant finishes, and a lifestyle of comfort and convenience. Home is well insulated, has a quiet and efficient whole house fan, and is cool in the summer and warm in the winter. Side yard has gorgeous fountain and leads to the backyard, which has a covered patio and includes a built-in BBQ area, relaxing hot tub, newer fencing, and is ideal

    Sandra Singh The Residence Real Estate Group

    299 Katarina Ln, Folsom, CA 95630
  • /24

    $550,000

    • 3 Beds
    • 3 Baths
    • 1,747 Sq Ft

    502 Monet Ln Unit 502, Folsom, CA 95630

    Welcome to Rivage a rare opportunity to own the largest floor plan in this sought-after townhouse-style condo community. Spanning 1,747 square feet, this spacious home features 3 bedrooms, 3 full bathrooms, a large loft, and boasts the largest private patio available in the development. Inside, you'll find thoughtful upgrades throughout, including quality flooring, granite countertops, and a

    Parmis Pourarian GUIDE Real Estate

    502 Monet Ln Unit 502, Folsom, CA 95630
  • /20

    $679,900

    • 3 Beds
    • 2 Baths
    • 1,635 Sq Ft

    380 Gardner Ct, Folsom, CA 95630

    Charming Folsom Home with Endless Potential! Tucked away in the heart of Folsom & conveniently located near Folsom High School, this 3-bedroom, 2-bathroom home offers an ideal blend of comfort, functionality, and space. The open, airy layout features tile flooring throughout and seamlessly flows from a separate living and dining area into a spacious family room and kitchenperfect for everyday

    Lexi Stewart eXp Realty of California Inc.

    380 Gardner Ct, Folsom, CA 95630
  • /7

    $149,900

    • Land
    • 0.18 Acre
    • $821,370 per Acre

    8905 Leedy Ln, Fair Oaks, CA 95628

    Large Vacant buildable lot for sale in Fair Oaks. All utilities are in street, buyer needs to verify status. See existing improvement plans in attachments.

    Ken Thorne Phuong Nguyen Real Estate

    8905 Leedy Ln, Fair Oaks, CA 95628
  • /67

    $699,000

    • 4 Beds
    • 2.5 Baths
    • 2,124 Sq Ft

    2812 King Edward Dr, El Dorado Hills, CA 95762

    Beautiful Crown Village home in the heart of El Dorado Hills is a must see! This lovely two-story home includes owned solar and plenty of space for entertaining, relaxing or working with separate living, dining and family rooms that flow seamlessly with the kitchen and breakfast nook on the main level. The kitchen has knotty alder cabinets, quartz counters, a new gas range/oven, newer large sink

    Teri Greisen Caterra Realty

    2812 King Edward Dr, El Dorado Hills, CA 95762
  • /69

    $660,999

    • 3 Beds
    • 2.5 Baths
    • 1,914 Sq Ft

    8764 Bluff Ln, Fair Oaks, CA 95628

    3 bed, 2 1/2 baths, over 1900 square feet. The updated gated/private front patio provides plenty of outdoor experiences, back deck has see though glass and trex. Take the back steps down into the trees and right onto the river in only a few steps. Recently updated carpet and flooring with imperfect-Smooth paint for the upgrade. Each room has its own separate whole house fan controls. Upgraded

    Tony James Excel Realty Inc.

    8764 Bluff Ln, Fair Oaks, CA 95628

Showing Results 281 - 320, Page 8 of 11

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