517

Haines City, FL Homes for Sale with No HOA Fee

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  • /40

    $315,990

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

    ARIA Plan at Cypress Park Estates, Haines City, FL 33844

    The Aria is one of our one-story floorplans featured in Cypress Park Estates in Haines City, Florida. With multiple exteriors to choose from, the Aria is a popular home. Inside this 3-bedroom, 2-bathroom home, you’ll find 1,672 square feet of comfortable living. This all-concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area,

    D.R. Horton Builder
    351 Bottle Brush Dr Unit 36202760, Haines City, FL 33844
  • /26

    $289,990

    New Construction $1K PRICE INCREASE
    • 4 Beds
    • 2 Baths
    • 1,498 Sq Ft

    FREEPORT II Plan at Cypress Park Estates, Haines City, FL 33844

    The Freeport II floor plan at Crosswinds offers the perfect blend of comfort, functionality, and modern design. Built with durable all-concrete block construction, this one-story home maximizes living space with a bright, open-concept layout that’s ideal for everyday living and entertaining. As you enter through the foyer, you’ll find two spacious guest bedrooms and a full guest bath with a

    D.R. Horton Builder
    351 Bottle Brush Dr Unit 39012520, Haines City, FL 33844
  • /15

    $230,000

    $20K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,342 Sq Ft

    1222 Avenue M, Haines City, FL 33844

    Your Dream Home Awaits: Completely Remodeled & Move-In Ready! Forget the hassle of renovations – this stunning home offers total peace of mind! Every detail has been thoughtfully updated, so all you need to do is unpack and start living. Entertaining is a breeze in the gourmet kitchen, boasting brand-new non colour shaker cabinets, sleek quartz countertops, and a full suite of stainless-steel

    Alin Zdroba PROPERTIO

    1222 Avenue M, Haines City, FL 33844
  • /38

    $352,990

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

    ARIA Plan at Cascades, Davenport, FL 33837

    The Aria is one of our one-story floorplans featured in Cascades in Davenport, Florida. With multiple exteriors to choose from, the Aria is a popular home. Inside this 3-bedroom, 2-bathroom home, you’ll find 1,672 square feet of comfortable living. This all-concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining room,

    D.R. Horton Builder
    1301 Cascades Ave Unit 36202748, Davenport, FL 33837
  • /20

    $19,900

    $25K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 784 Sq Ft

    58 Butler Blvd, Haines City, FL 33844

    Fully furnished 2 bed home with golf cart is located a half-block away from Lake Henry! Take your golf cart there to take in the views! Florida room and screened room is adjacent to the utility room to do laundry etc. Many resort-type amenities in this community including the clubhouse, Pool, Hot tub and a BBQ area overlooking Lake Henry. Not to mention a dog park too!. Enjoy the new Dock,

    Robert Straub Four Star Homes, Inc.

    58 Butler Blvd, Haines City, FL 33844
  • /31

    $6,900,000

    • Land
    • 37.61 Acres
    • $183,462 per Acre

    0 US Highway 27 Unit MFRL4961889, Haines City, FL 33844

    Offered for sale is an 88.45± acre tract positioned along the Hwy 27 corridor near Dundee, Florida well suited for industrial and commercialusers seeking scale, visibility, and long-term flexibility. The property is currently under a sod land lease, providing interim holding income while a buyer completes due diligence, design, and entitlement work. A lease summary (term, rent, renewal

    Lorena Alvarez Cordero CROSBY & ASSOCIATES, INC.

    0 US Highway 27 Unit MFRL4961889, Haines City, FL 33844
  • 2394 Aveeno Ave Unit 41013438, Haines City, FL 33844

    $367,990

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,215 Sq Ft

    RIVIERA Plan at Crosswinds - Townhomes, Haines City, FL 33844

    Your new home is waiting at Crosswinds, a new home community featuring a collection of single-family homes and townhomes designed to fit every lifestyle. Crosswinds is the perfect community for those looking for affordability and location convenience. Driving through this community you will find a blend of exterior home options, including siding and stone accents, to give the community a

    D.R. Horton Builder
    2394 Aveeno Ave Unit 41013438, Haines City, FL 33844
  • /23

    $262,900

    New Construction $7K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,464 Sq Ft

    2354 Aveeno Ave, Haines City, FL 33844

    The property is located at 2354 Aveeno Avenue HAINES CITY FL 33844 priced at 262900, the square foot and stories are 1464, 2.The number of bath is 2, halfbath is 1 there are 3 bedrooms and 1 garages. For more details please, call or email.

    D.R. Horton Builder
    2354 Aveeno Ave, Haines City, FL 33844
  • /23

    $35,000

    • 2 Beds
    • 2 Baths
    • 1,120 Sq Ft

    339 Ashley Dr, Haines City, FL 33844

    This beautifully maintained home is a one-time bargain in this beautiful lakefront community. Rarely has a QUALITY DOUBLE WIDE home been available at this price. Besides the one shower, this home has a relaxing SAFE STEP Spa Tub as well. The location is at the back of the community on a quiet street with no neighbors behind the home...Both the roof and the carport were installed in 2022. At the

    Robert Straub Four Star Homes, Inc.

    339 Ashley Dr, Haines City, FL 33844
  • /27

    $325,990

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,665 Sq Ft

    HARPER Plan at Cascades, Davenport, FL 33837

    Introducing the Harper floorplan at Cascades, where every square foot is put to use with sophistication and comfort. Inside this 4-bedroom, 2-bathroom home, you’ll find 1,665 square feet of comfortable living. This meticulously designed residence combines modern convenience with timeless elegance, showcasing quartz in the kitchen and bathrooms and luxury vinyl plank floors in the main living

    D.R. Horton Builder
    1301 Cascades Ave Unit 36202747, Davenport, FL 33837
  • 1301 Cascades Ave Unit 39221790, Davenport, FL 33837

    $373,990

    New Construction $9K PRICE INCREASE
    • 4 Beds
    • 2.5 Baths
    • 2,305 Sq Ft

    ELSTON II Plan at Cascades, Davenport, FL 33837

    Find all the space you need in our two-story Elston II floorplan in Cascades, one of our communities in Davenport, Florida. Inside this 4 bedroom, 2 and half bathroom home, you’ll find 2,260 square feet of comfortable living. The living area is an open concept, where your kitchen blends seamlessly into a spacious great room perfect for everyday living and entertaining. The kitchen features a

    D.R. Horton Builder
    1301 Cascades Ave Unit 39221790, Davenport, FL 33837
  • /34

    $26,000

    $13K PRICE DROP
    • 2 Beds
    • 2 Baths

    753 W Main St Unit 242, Haines City, FL 33844

    Move-In Ready Home Just Waiting for You! This well-maintained 2 bedroom, 2 bath home offers everything you need in an easy-to-manage package. Whether you're escaping the winter or downsizing in comfort, this home is truly must-see Features include a functional kitchen with appliances, cozy dining area, spacious porch, carport, and a convenient shed for extra storage Priced to sell-this one won't

    Adrienne Zotz Haines City Mobile Home & RV Park

    753 W Main St Unit 242, Haines City, FL 33844
  • /13

    $39,999

    $20K PRICE DROP
    • 1 Bed
    • 1 Bath
    • 377 Sq Ft

    361 Oak Harbor Camp Unit 361, Haines City, FL 33844

    The well appointed Lake View park model floorplan features just under 400 sq ft of easy to maintain space, perfect for both short- and long-term getaways. Come enjoy an ideal lifestyle in your brand new home, only at Oak Harbor, a 55+ Resort! *Photos are a representation of the home being offered. Actual home features and colors will vary. *Price subject to change without notice.

    Sandra Bergman Cove Communities

    361 Oak Harbor Camp Unit 361, Haines City, FL 33844
  • /33

    $54,000

    • 1 Bed
    • 1 Bath

    753 W Main St Unit 82T, Haines City, FL 33844

    Discover comfort and convenience in this beautifully furnished 1-bedroom, 1-bathroom home, ideally situated within a welcoming community. Just a short walk to pharmacies, grocery stores, and a variety of local restaurants, everything you need is right at your doorstep. Start your mornings on the lovely screened-in porch-perfect for enjoying a peaceful cup of coffee in the fresh air. Whether

    Adrienne Zotz Haines City Mobile Home & RV Park

    753 W Main St Unit 82T, Haines City, FL 33844
  • /6

    $309,990

    New Construction $20K PRICE INCREASE
    • 4 Beds
    • 2 Baths
    • 1,811 Sq Ft

    1829 Grasmere St, Haines City, FL 33844

    4 bed | 2 bath | 2-bay | 1818 sqft *Closing costs are additional and not included in the USDA 30 year fixed rate 100% financing. Terms and availability of this loan program, and the sales price, are examples only and are subject to change without notice. Loans are subject to credit approval. Restrictions and conditions may apply. USDA loans are subject to income and geographic eligibility

    Century Complete Builder
    1829 Grasmere St, Haines City, FL 33844
  • /2

    $295,506

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,866 Sq Ft

    4238 Hillock Blvd, Haines City, FL 33844

    The Tulum is a two-story townhouse that provides a comfortable living experience with 4 bedrooms and 2.5 baths. All bedrooms are located on the second floor, offering privacy and separation from the main living areas. The main floor features a modern kitchen, perfect for cooking and entertaining, along with a spacious living room for relaxation and gatherings. Enjoy outdoor living on the charming

    Casa Fresca Homes Builder
    4238 Hillock Blvd, Haines City, FL 33844
  • /4

    $310,990

    New Construction
    • 4 Beds
    • 3 Baths
    • 2,050 Sq Ft

    MAYFIELD Plan at Scenic Terrace - The Cottages, Lake Hamilton, FL 33844

    4 bed | 2.5 bath | 2-bay | 2050 sqft

    Century Complete Builder
    3497 Dahlia Dr St Unit 36583011, Lake Hamilton, FL 33844
  • /51

    $90,000

    $5K PRICE DROP
    • 2 Beds
    • 2 Baths

    401 Kingfisher Ln, Haines City, FL 33844

    Welcome to this beautifully maintained 2-bedroom/2-bath oasis in Blue Heron Bay, a desirable 55+ pet-friendly community (pets up to 20 lbs). .**Offered partially furnished, this property is truly move-in ready - just bring your suitcase. Lot lease: $1,035/month + tax. Over 1700 sq ft of living space. Major Updates: Roof & carport replaced in 2025 (carport recently extended), HVAC 2023, new Water

    Linda Wilson Sunset Home Sales

    401 Kingfisher Ln, Haines City, FL 33844
  • /19

    $29,900

    1101 W Commerce Ave Unit 95, Haines City, FL 33844

    1-Bedroom 1-Bathroom home with an added bonus room (not included in square footage) that could be used as a second bedroom or office space. Light and bright with open floorplan. Laminate flooring and completely furnished. Kitchen comes with new stove and hood. Bathroom has walk-in shower. Almost all windows have been replaced. Storage area off bonus room. Driveway widened to allow for golf cart

    Leslie Yokshas Flamingo Mobile Home Sales

    1101 W Commerce Ave Unit 95, Haines City, FL 33844
  • /24

    $128,900

    $16K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 840 Sq Ft

    1252 Alligator Aly, Haines City, FL 33844

    Freshly painted inside and out, porch deck painted and cabinets painted!!! This canal-front 2-bedroom, 2-bath mobile home offers relaxed lake-area living with excellent investment potential. Situated on a spacious quarter-acre lot, the property features low-maintenance rock landscaping—no mowing required—along with a covered porch and covered carport for year-round enjoyment. Inside, the home has

    Debbie Bradbury REAL ESTATE BROKERS USA, INC.

    1252 Alligator Aly, Haines City, FL 33844
  • /6

    $45,000

    • Land
    • 9,147 Sq Ft
    • $214,286 per Acre

    0 Midway Rd Unit A11870764, Haines City, FL 33844

    Lot across from Lake Marion,ideal for expansion if purchased with the Lake front home across the street, That is for sale separately. Build your own oasis, or investment potential.

    Amanda Davenport The Listing Office, LLC.

    0 Midway Rd Unit A11870764, Haines City, FL 33844
  • /8

    $318,990

    New Construction $19K PRICE INCREASE
    • 4 Beds
    • 3 Baths
    • 1,964 Sq Ft

    1025 Ambleside Dr, Haines City, FL 33844

    4 bed | 3 bath | 2-bay | 1964 sqft *Closing costs are additional and not included in the USDA 30 year fixed rate 100% financing. Terms and availability of this loan program, and the sales price, are examples only and are subject to change without notice. Loans are subject to credit approval. Restrictions and conditions may apply. USDA loans are subject to income and geographic eligibility

    Century Complete Builder
    1025 Ambleside Dr, Haines City, FL 33844
  • /37

    $525,000

    $10K PRICE DROP
    • 4 Beds
    • 4 Baths
    • 2,933 Sq Ft

    6 Palm Way, Haines City, FL 33844

    Stunning 4 bedroom, 4 bathroom pool home on over 1 acre with private pond views—offering space, privacy, and unique character you won’t find anywhere else. This beautifully maintained property combines solid construction, thoughtful updates, and versatile living spaces, making it ideal for both everyday living and entertaining. The home features an expansive 43x23 great room with 10-foot

    Leydy Salazar PA LPT REALTY, LLC

    6 Palm Way, Haines City, FL 33844
  • /11

    $312,490

    New Construction
    • 3 - 4 Beds
    • 2 - 3 Baths
    • 2,333 Sq Ft

    Plan 2333 at Cedar Crossings - II, Haines City, FL 33844

    * Open kitchen overlooking living area * Primary bedroom at rear of home for added privacy * Ample kitchen counter space * Dual-sink vanity at primary bath * Walk-in closet at primary bedroom * Stainless steel appliance package * Open floor plan * Split-bedroom layout * Spacious great room * Kitchen island * Dedicated laundry room * ENERGY STAR certified home * Planned pavilion * Planned picnic

    KB Home Builder
    3054 Crossland Ct Unit 36595428, Haines City, FL 33844
  • /28

    $366,900

    New Construction
    • 5 Beds
    • 3 Baths
    • 2,447 Sq Ft

    ROBIE Plan at Bradbury Creek, Haines City, FL 33837

    The Robie is a two-story floorplan featured in Bradbury Creek in Haines City, Florida. With 2 exteriors to choose from, the Robie is sure to turn heads. Inside this inviting 5-bedroom, 3-bathroom home, you’ll find 2,447 square feet of comfortable living. This impressive all concrete block construction, two-story plan features a versatile floorplan to fit your needs. A spacious open-concept first

    D.R. Horton Builder
    1100 Belfast Place Unit 36202731, Haines City, FL 33837
  • /2

    $39,900

    • Land
    • 2,613 Sq Ft
    • $665,000 per Acre

    417 N 8th St, Haines City, FL 33844

    Rare opportunity to own a spacious 0.06-acre buildable lot in a well-established neighborhood—ideal for your dream single-family home! This oversized parcel offers ample room for a custom build with plenty of space for outdoor living, a pool, garden, or even RV/boat parking. Enjoy privacy, flexibility, and no HOA restrictions. Whether you’re a builder, investor, or homeowner, this property

    Serghei Lungu REALTY HUB

    417 N 8th St, Haines City, FL 33844
  • /16

    $89,000

    $31K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 876 Sq Ft

    6 Pine Ln, Haines City, FL 33844

    A perfect opportunity for comfortable, affordable living in sunny Florida. This well kept 2 bedroom 2 bath home is situated in a community where there is NO HOA and no age restrictions. This means NO LOT RENT, you own your own lot. This home features an open layout. The spacious kitchen offers lots of cabinets and countertop space. Enjoy your morning coffee from the enclosed Florida Room. The

    Rachel Hernandez HARPER REALTY FL, LLC

    6 Pine Ln, Haines City, FL 33844
  • /12

    $315,000

    $14K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,867 Sq Ft

    521 Nicken Grove, Davenport, FL 33837

    Beautiful 4-bedroom, 2-bathroom home in the desirable Charles Cove community featuring DR Horton's award-winning Cali model with a modern open-concept layout. The kitchen offers granite countertops, stainless steel appliances, and a large island perfect for entertaining, while the spacious primary suite includes dual walk-in closets. Enjoy outdoor living on the covered lanai and take advantage of

    Oscar Hernandez Perez La Rosa Realty Llc

    521 Nicken Grove, Davenport, FL 33837
  • /19

    $59,900

    $10K PRICE DROP
    • 2 Beds
    • 2 Baths

    1701 W Commerce Ave Unit 158, Haines City, FL 33844

    Welcome to our 55+ lifestyle community! Where your new home & active new lifestyle awaits you! This priced to sell home has 2 bedrooms/2 bathrooms, New plumbing 2025, New HWT 2020.This incredibly well maintained home has 3 ceiling fans, a lovely enclosed sunroom for for entertainment & a spacious open floor plan. Our welcoming community invites you to be part of the activities; from the heated

    Mark Schneider Heartland Estates

    1701 W Commerce Ave Unit 158, Haines City, FL 33844
  • /2

    $170,000

    $40K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,011 Sq Ft

    1201 Valencia Ave, Haines City, FL 33844

    Welcome Home! This charming property is a compelling find in Haines City, presenting the perfect opportunity for homeownership or a smart investment. Built with solid bones and lasting quality, this classic residence offers a durable structure and spacious layout that provides immediate stability. Strategically priced for today's market, this home makes monthly ownership costs highly accessible,

    Vernel Smith MCO REALTY

    1201 Valencia Ave, Haines City, FL 33844
  • /39

    $304,990

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

    ARIA Plan at Bradbury Creek, Haines City, FL 33837

    The Aria is one of our one-story floorplans featured in Bradbury Creek in Haines City, Florida. With multiple exteriors to choose from, the Aria is a popular home. Inside this 3-bedroom, 2-bathroom home, you’ll find 1,672 square feet of comfortable living. This all-concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining

    D.R. Horton Builder
    1100 Belfast Place Unit 36202733, Haines City, FL 33837
  • /14

    $39,999

    $20K PRICE DROP
    • 1 Bed
    • 1 Bath
    • 481 Sq Ft

    268 Oak Harbor Camp Unit 268, Haines City, FL 33844

    The brand new, well appointed Lake View Cottage floorplan features just under 400 sq ft of easy to maintain space, perfect for both short- and long-term getaways. Come enjoy an ideal lifestyle in your brand new home, only at Oak Harbor, a 55+ RV Resort that evokes genuine Florida living with countless mature trees and fabulous lake breezes. Our residents have direct access to Lake Lowery, which

    Sandra Bergman Cove Communities

    268 Oak Harbor Camp Unit 268, Haines City, FL 33844
  • 3517 Dahlia Dr, Lake Hamilton, FL 33851

    $303,990

    New Construction $23K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,811 Sq Ft

    3517 Dahlia Dr, Lake Hamilton, FL 33851

    4 bed | 2 bath | 2-bay | 1811 sqft *Closing costs are additional and not included in the USDA 30 year fixed rate 100% financing. Terms and availability of this loan program, and the sales price, are examples only and are subject to change without notice. Loans are subject to credit approval. Restrictions and conditions may apply. USDA loans are subject to income and geographic eligibility

    Century Complete Builder
    3517 Dahlia Dr, Lake Hamilton, FL 33851
  • /9

    $29,000

    • Land
    • 2.5 Acres
    • $11,600 per Acre

    0 J B Carter Rd, Haines City, FL

    OWNER WILL FINANCE – $10,000 DOWN Secluded 2.5-acre recreational lot in Polk County, located approximately 11 minutes east of Haines City. Offered at an exceptional value of approximately $12,000 per acre, this is one of the most affordable 2.5-acre parcels within a 5-mile radius. Property is zoned for recreational use only and is not currently buildable, making it ideal for outdoor enjoyment,

    Russell Irizarry EXP Realty, LLC

    0 J B Carter Rd, Haines City, FL
  • /24

    $49,500

    • 2 Beds
    • 2 Baths
    • 1,120 Sq Ft

    3000 U S Highway 17-92 W Unit 118, Haines City, FL 33844

    This Perfectly maintained, Double-wide 2 Bedroom, 2 Bathroom home comas fully furnished and includes a golf cart. With a metal roof Installed In 2023, any roof leak concerns do not Pertain to this home. The HUGE 265 sq ft screened room is complete with lots of outdoor furniture. The recent semi-remodel of the kitchen Includes white subway style tiles. The laminate flooring throughout this home Is

    Robert Straub Four Star Homes, Inc.

    3000 U S Highway 17-92 W Unit 118, Haines City, FL 33844
  • /9

    $301,490

    New Construction
    • 4 - 5 Beds
    • 2.5 - 3.5 Baths
    • 2,544 Sq Ft

    Plan 2544 at Cedar Crossings - I, Haines City, FL 33844

    * Walk-in closet at all bedrooms * Convenient powder bath * Dedicated laundry room * Dual-sink vanity at primary bath * Low-VOC interior paint * Stainless steel appliance package * Front porch * Spacious great room * Den * Loft * Extra storage space * ENERGY STAR certified home * Planned swimming pool * Planned tot lot * Planned walking paths * Planned dog park * Planned picnic area * Planned

    KB Home Builder
    3054 Crossland Ct Unit 36594907, Haines City, FL 33844
  • /31

    $346,990

    New Construction
    • 5 Beds
    • 3 Baths
    • 2,077 Sq Ft

    LAKESIDE Plan at Bradbury Creek, Haines City, FL 33837

    Welcome to the Lakeside, one of our one-story floorplans featured in our Bradbury Creek community in Haines City, Florida. Take your pick between two artfully designed exteriors. Inside this beautiful 5 bedroom, 3 bathroom home, you'll find 2,077 square feet of comfortable living. The living area is an open concept, where your kitchen, living, and dining areas blend seamlessly into a space

    D.R. Horton Builder
    1100 Belfast Place Unit 36202738, Haines City, FL 33837
  • /28

    $310,990

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,665 Sq Ft

    HARPER Plan at Crosswinds, Haines City, FL 33844

    Introducing the Harper floorplan at Crosswinds, where every square foot is put to use with sophistication and comfort. Inside this 4 bedroom, 2 bathroom home, you’ll find 1,665 square feet of comfortable living. This meticulously designed residence combines modern convenience with timeless elegance, showcasing granite and tile floors throughout. As you step inside, you are greeted by an inviting

    D.R. Horton Builder
    0 Coming Early 2025 St Unit 36333333, Haines City, FL 33844
  • /68

    $479,000

    New Construction $20K PRICE DROP
    • 4 Beds
    • 3.5 Baths
    • 2,233 Sq Ft

    355 Villa Sorrento Cir, Haines City, FL 33844

    Brand New modern and spacious pool home! This beautiful one-story residence combines contemporary design, functionality, and meticulous care. Featuring 4 bedrooms and 3.5 bathrooms, the home offers a bright open-concept floor plan that seamlessly connects the living, dining, and kitchen areas-perfect for both everyday living and entertaining. The property also includes a 2-car garage, a spacious

    Samantha Cocati La Rosa Realty Llc

    355 Villa Sorrento Cir, Haines City, FL 33844
  • /12

    $281,890

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,985 Sq Ft

    689 Ruth Ave, Haines City, FL 33844

    This new four-bedroom home offers convenient single-story living. Upon entry are three secondary bedrooms steps from a full bathroom, leading to an inviting open-concept plan shared between the kitchen, living and dining areas. A comfortable owner’s suite creates a serene retreat at the back of the home, featuring a full bathroom and walk-in closet. A versatile flex space completes the home,

    Lennar Builder
    689 Ruth Ave, Haines City, FL 33844

Showing Results 241 - 280, Page 7 of 13

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