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Hawkins County TN Homes for Sale

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  • /66

    $1,120,000

    • 3 Beds
    • 3 Baths
    • 4,412 Sq Ft

    142 Old State Hwy 70, Rogersville, TN 37857

    Welcome to Riverview Farm, located on the banks of the Holston River and just five minutes south of historic Rogersville. This unique property features 18.90 gently rolling acres, perfect for livestock or simple family enjoyment. The main home is a traditional-style, nearly 3,000 sq. ft., main-level residence with 3 bedrooms and 3 baths. As you enter through the front door, you'll immediately

    RANDALL THOMAS Southern Dwellings

    142 Old State Hwy 70, Rogersville, TN 37857
  • /52

    $475,000

    • 3 Beds
    • 2 Baths
    • 1,928 Sq Ft

    403 Chelaque Way W, Mooresburg, TN 37811

    If you are looking for a peaceful one level ranch home on a private lot with daily visits from friendly wildlife then let me introduce you to 403 Chelaque Way! This home boasts nearly 2,000 sq ft, not including the detached two car garage that offers additional flexibility with a finished office or studio space, making it ideal for working from home, hobbies, a man-cave or just additional

    Bruce Hull Lake Homes Realty

    403 Chelaque Way W, Mooresburg, TN 37811
  • /8

    $41,580

    • Land
    • 27,442 Sq Ft
    • $66,000 per Acre

    Lot 66 Walnut Tree Dr, Church Hill, TN 37642

    Welcome to Walnut Grove, a beautiful subdivision in the heart of Church Hill, Tennessee. This cleared, build-ready lot is the perfect place to bring your dream home to life. Enjoy the feel of a luxury neighborhood while still benefiting from no city taxes. Conveniently located near Kingsport, this property offers the perfect blend of peaceful surroundings and easy access to shopping, dining, and

    Jacob Rogers Property Executives Johnson City

    Lot 66 Walnut Tree Dr, Church Hill, TN 37642
  • /5

    $285,000

    • Land
    • 3 Acres
    • $95,000 per Acre

    220 Silver Lake Rd, Church Hill, TN 37642

    3 acres prime commercial property located in great location, zoned B 3, many uses, great potential, high traffic count, all city amenities available, ready to build on, SELLER WILL CONSIDER LEASE PURFCHASE AND POSSIBLE OWNER FINANCING, 3 lots can be purchased separately or as a whole

    Frank Marsh KW Kingsport

    220 Silver Lake Rd, Church Hill, TN 37642
  • /43

    $170,000

    • 4 Beds
    • 2 Baths
    • 1,200 Sq Ft

    106 Colonial Hills Dr, Rogersville, TN 37857

    Welcome to this charming 4-bedroom, 2-bath home in Rogersville, TN. Offering a spacious and functional layout, this home is perfect for first-time homebuyers or anyone looking for a property with great potential. The updated bathrooms add a fresh, modern touch, while the stylish kitchen features contemporary finishes and provides plenty of space for preparing meals and entertaining. Generously

    Daniel Demers Sell Your Home Services, LLC

    106 Colonial Hills Dr, Rogersville, TN 37857
  • /15

    $177,500

    • 3 Beds
    • 1 Bath
    • 924 Sq Ft

    603 Watterson St, Rogersville, TN 37857

    603 Watterson Street- Take a look at this 3 bedroom, one bathroom home with hardwood flooring in the living room, kitchen/dining combo, fresh paint, central heat and air, brick and vinyl siding, front porch, and carpet on a good level lot. Located within walking distance to downtown of Historic Rogersville. High speed fiber optic internet available. Buyer and Buyers Agent to verify all

    CHRYSTAL Carroll Carroll Real Estate

    603 Watterson St, Rogersville, TN 37857
  • /20

    $228,900

    $20K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,507 Sq Ft

    166 Alexander Crossing Dr, Church Hill, TN 37642

    Brand New Home on a quiet mountain top. It has amazing views and sits just outside of the big cities on a beautiful half acre corner lot. We couldn't help but to build 2 very large porches to enjoy the amazing mountain views, sunrise, and nature right before your eyes. This home has a new septic system and has county water internet available. Must see to appreciate everything this home has to

    Jonathan Minerick Homecoin.com

    166 Alexander Crossing Dr, Church Hill, TN 37642
  • /11

    $28,875

    • Land
    • 18,295 Sq Ft
    • $68,750 per Acre

    Lot 2 Carters Valley Rd, Church Hill, TN 37642

    Welcome to Walnut Grove, a beautiful subdivision in the heart of Church Hill, Tennessee. This cleared, build-ready lot is the perfect place to bring your dream home to life. Enjoy the feel of a luxury neighborhood while still benefiting from no city taxes. Conveniently located near Kingsport, this property offers the perfect blend of peaceful surroundings and easy access to shopping, dining, and

    Jacob Rogers Property Executives Johnson City

    Lot 2 Carters Valley Rd, Church Hill, TN 37642
  • /53

    $250,000

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,475 Sq Ft

    148 Walker Cemetery Rd, Bulls Gap, TN 37711

    Peaceful East Tennessee country living awaits in this brand new 2025 home on a quiet dead end road offering three bedrooms, two full bathrooms, and a spacious open floor plan on approximately one half acre with no restrictions. Enjoy privacy with the closest neighbors approx 1/4 mile away!Step inside and enjoy the soothing, modern paint colors, beautiful laminate flooring, recessed lighting,

    BRIAN GIVENS KW Kingsport

    148 Walker Cemetery Rd, Bulls Gap, TN 37711
  • /18

    $227,000

    $3K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 1,000 Sq Ft

    631 Lee Valley Rd, Whitesburg, TN 37891

    Located in Whitesburg, TN, this 2-bedroom, 1-bath home offers peaceful country living with convenient access to nearby shopping, dining, schools, and everyday amenities. The home features updated windows, a private well, and access to public utility water if desired. A recently installed perimeter fence adds privacy, functionality, and clearly defined boundaries, making it ideal for pets or

    Heather Pinckney Greater Impact Realty Kingsport

    631 Lee Valley Rd, Whitesburg, TN 37891
  • /18

    $139,900

    • Land
    • 5.25 Acres
    • $26,648 per Acre

    Lot 4 Stanley Valley Rd, Rogersville, TN 37857

    Beautiful 5.25-acre unrestricted property ready for you to build your dream home or place a mobile home! Already approved for a three-bedroom septic system. Conveniently located near town, yet far enough away to enjoy peaceful front-porch living. Don't miss your opportunity to own this beautiful piece of land!

    Ashley Hunt RE/MAX Real Estate Ten Midtown

    Lot 4 Stanley Valley Rd, Rogersville, TN 37857
  • /60

    $129,999

    $35K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,167 Sq Ft

    2114 Main St, Surgoinsville, TN 37873

    *PRE APPROVED BUYERS ONLY! Was a former rental and can be a great source of rental income in the future! Located right in the heart of Surgoinsville this 2-3 bedroom, 1 bath home is close to everything in the town of Surgoinsville. This home sits right on main street and is right beside the Dairy Mart. This home was built in 1930 and offers approx 1,167+/- square ft. There is laminate flooring

    BRIAN GIVENS KW Kingsport

    2114 Main St, Surgoinsville, TN 37873
  • /50

    $285,000

    $5K PRICE INCREASE
    • Land
    • 53 Acres
    • $5,377 per Acre

    TBD Copper Ridge Rd, Eidson, TN 37731

    This is one exceptionally beautiful property that offers gorgeous home sites in several optional locations. A private driveway leads gradually uphill close to the sideline on the west side to the top of the mountain. Multiple mountains both north and south come into view from the fields on the way up and at the top. It is rare to find views more beautiful than these. The countryside all around is

    TERESA SUAREZ Creek Country Real Estate

    TBD Copper Ridge Rd, Eidson, TN 37731
  • /40

    $49,900

    • Land
    • 0 Sq Ft

    Lot 68 Brooks Pointe Dr, Rogersville, TN 37857

    Nice level waterVIEW lot tucked away in Prestigious Brooks Pointe subdivision. This subdivision fronts Cherokee lake. This is the perfect location to build your home with reasonable restrictions to protect your investment. Brooks Pointe is located 5 minutes form Historic Rogersville and already has some nice homes to be neighbors with! The seller's welcome you to preview this perfect location!

    BRIAN GIVENS KW Kingsport

    Lot 68 Brooks Pointe Dr, Rogersville, TN 37857
  • /12

    $215,000

    $10K PRICE DROP
    • 4 Beds
    • 1.5 Baths
    • 1,632 Sq Ft

    109 Hagood Dr, Rogersville, TN 37857

    Welcome home to this beautifully updated 4-bedroom, 1.5-bath home offering approximately 1,632 square feet of comfortable living space in Rogersville, TN! Thoughtfully remodeled and move-in ready, this home combines modern updates with plenty of functional space both inside and out.The spacious layout features four generously sized bedrooms, updated living areas, and a large downstairs

    Seth Lester NextHome Magnolia Realty

    109 Hagood Dr, Rogersville, TN 37857
  • /19

    $227,900

    • Land
    • 1.93 Acres
    • $118,083 per Acre

    348 Harris Town Rd, Bulls Gap, TN 37711

    Endless possibilities! This open Barndo on 2 gorgeous level acres is a blank canvas with electricity, water, and climate control already in place. It's open concept shell is ready for customization. Whether you're looking for a home, business space, studio, storage solution, workshop, hunting basecamp, or even a future small event venue--this property is ready for your vision! It's definitely a

    Robin Epps Crye-Leike Lakeway Real Estate

    348 Harris Town Rd, Bulls Gap, TN 37711
  • /39

    $329,900

    • 2 Beds
    • 2 Baths
    • 968 Sq Ft

    669 Choptack Rd, Rogersville, TN 37857

    Back on the market at no fault of seller! Cabin sitting on 3.35 cleared acres with 2 living areas, 2 bedrooms , 2 full baths (1 of each level) with all the amenities (Fridge, Stove, Dishwasher, Washer and Dryer), Has two covered porches and a two bay garage (large enough for that RV). Deer and wildlife visit the property regularly and they want to meet you! Home has its own Greenhouse {20x8) and

    Johnny Daugherty Pace Probity Asset Management

    669 Choptack Rd, Rogersville, TN 37857
  • /36

    $255,000

    $44K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 840 Sq Ft

    1224 E Mckinney Ave, Rogersville, TN 37857

    Welcome to easy, one-level living in the heart of Rogersville! This charming 2 bedroom, 2 bathroom home is perfectly situated within city limits, offering convenient access to local restaurants, shopping, and everyday amenities. Move-in ready and full of comfort, the home features beautiful hardwood floors and an updated kitchen complete with stainless steel appliances and a gas stove--perfect

    Misty Clevinger Southern Dwellings

    1224 E Mckinney Ave, Rogersville, TN 37857
  • /34

    $89,995

    $5K PRICE DROP
    • Land
    • 6.24 Acres
    • $14,422 per Acre

    371 Pressmens Home Rd, Rogersville, TN 37857

    Secluded 6.24-Acre Mountain Retreat in Rogersville, TN - Investment, Hunting & Homesite Potential Private, heavily wooded parcel with stunning mountain views and trails. Includes thousands spent on homesite clearings. Great for recreation, hunting, or building a private dream home. Water at the road service from Lakeview Utility District (1072 Pressmens Home Rd). Homesite has amazing 5G Cell and

    Steven Koleno Beycome Brokerage Realty, LLC

    371 Pressmens Home Rd, Rogersville, TN 37857
  • /36

    $180,000

    • 5 Baths
    • 2,400 Sq Ft

    750 Old Stage Rd, Church Hill, TN 37642

    Almost everything you need to bring your restaurant vision to life is already here--just add your own personal touch! This fully equipped commercial property includes tables, chairs, commercial kitchen equipment, multiple TVs, ice makers, and two cash registers, all of which convey with the sale. The warehouse portion of the building has been transformed into a spacious dining and entertainment

    Delana Fields Copper Key Properties

    750 Old Stage Rd, Church Hill, TN 37642
  • /24

    $24,900

    • Land
    • 1.24 Acres
    • $20,081 per Acre

    1308 Muskogee Dr, Mooresburg, TN 37811

    Welcome to the beautiful Chelaque Community on Cherokee Lake! Nestled in a mostly wooded setting with peaceful seasonal lake views, this gated neighborhood offers a wonderful blend of privacy and recreation. Enjoy access to great amenities including a clubhouse, picnic area, private boat ramp, and a marina with slips available for lease. It's the perfect place to build your dream home and enjoy

    SARAH RICHARDS Spring Mountain Realty, PLLC

    1308 Muskogee Dr, Mooresburg, TN 37811
  • /36

    $12,000

    • Land
    • 29,185 Sq Ft
    • $17,910 per Acre

    273 Chelaque Way, Mooresburg, TN 37811

    Build your East Tennessee retreat at 273 Chelaque Way in the gated lakeside community of Chelaque on Cherokee Lake. This 0.67-acre interior lot offers a quiet wooded setting within a peaceful neighborhood known for its natural beauty and community amenities. The property's gentle slope provides flexibility for your future home design, and utilities including electricity and high-speed internet

    Amy Shrader REMAX Real Estate Ten of Morristown

    273 Chelaque Way, Mooresburg, TN 37811
  • /45

    $229,000

    • 3 Beds
    • 1.5 Baths
    • 1,196 Sq Ft

    426 S Johnson Rd, Rogersville, TN 37857

    Rural Charm: Nestled just outside downtown Rogersville in a relaxed rural setting, surrounded by mature trees and rolling lawns. This 3 bedroom, 1.5 bath home sits on 0.47 acres. One level living in this traditional brick ranch style home. The lot is almost level with a slight slope so easy to mow. . There is an additional lot that can be purchased also Plenty of yard that is ideal for gardening

    Cynthia Jackson Cynthia Bundren Jackson Realty

    426 S Johnson Rd, Rogersville, TN 37857
  • /11

    $140,000

    $10K PRICE DROP
    • Land
    • 3.26 Acres
    • $42,945 per Acre

    Tbd Highway 11w, Church Hill, TN 37642

    Prime commercial opportunity with 3.26 acres zoned B-2, offering exceptional visibility and accessibility! Boasting 400+ feet of road frontage along highly traveled 11W, plus additional frontage on Gray Brothers Rd, this property provides outstanding exposure for your business. The land features a versatile, gently rolling landscape, ideal for a variety of commercial uses. Whether you're looking

    Jim Griffin LPT Realty - Griffin Home Group

    Tbd Highway 11w, Church Hill, TN 37642
  • /7

    $175,000

    • Land
    • 25.48 Acres
    • $6,868 per Acre

    223 W Snowflake Rd, Surgoinsville, TN 37873

    Located in the heart of Hawkins county this wooded tract is waiting for you to make it your own. This property is located on a dead end road at the foot of Clinch Mountain and runs to the top of the mountain. This property is unrestricted and would be great for a tiny home,mobile home,cabin or site built home. Schedule a showing today before this one gets away.

    WILBUR HITE Clinch Mountain Realty & Auction Co.

    223 W Snowflake Rd, Surgoinsville, TN 37873
  • /30

    $210,000

    • 3 Beds
    • 2 Baths
    • 1,684 Sq Ft

    314 Wood Ln, Surgoinsville, TN 37873

    Welcome to this home offering 3 bedrooms and 2 bathrooms with a practical layout and plenty of space for everyday living. The property features a garage and sits in a convenient Surgoinsville location, providing a comfortable residential setting with easy access to area amenities, major highways, and Rogersville. The spacious floor plan offers flexibility for a variety of needs, while the garage

    314 Wood Ln, Surgoinsville, TN 37873
  • /31

    $200,000

    • Land
    • 17.53 Acres
    • $11,409 per Acre

    Tbd Highway 31, Mooresburg, TN 37811

    Looking for freedom, privacy, and true East Tennessee land? This 17.53-acre fully wooded tract in Hawkins County offers endless potential for a private residence, recreational playground, or hunting camp. The property is beautifully positioned along a scenic corridor, offering easy access to both the historic charm of downtown Rogersville and the quiet, mountain beauty of Sneedville. Featuring

    Lisa McBride Clinch Mountain Realty & Auction

    Tbd Highway 31, Mooresburg, TN 37811
  • /45

    $265,000

    $10K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,196 Sq Ft

    118 Bright Ridge Ct, Church Hill, TN 37642

    MOTIVATED SELLER - MAKE AN OFFER! Welcome to this charming traditional home situated on .78 park-like acres. Lovingly maintained, this property offers a beautiful setting and numerous recent updates. Improvements completed in 2023 include a new roof, new windows, new siding, soffits, gutters, new water heater, new flooring, and a new composite deck that overlooks the gorgeous backyard--perfect

    Lisa Gilchrist Copper Key Properties

    118 Bright Ridge Ct, Church Hill, TN 37642
  • /13

    $155,000

    $2K PRICE DROP
    • Land
    • 28.58 Acres
    • $5,423 per Acre

    Tract 5 Sandy Valley Rd, Rogersville, TN 37857

    HISTORIC CENTURY FARM AWAITS NEW CHAPTER Step back in time with this remarkable piece of American heritage that has remained in the same family's loving care for over 200 years. Now available for the first time ever on the market, this 28.58-acre property has been officially recognized by the State of Tennessee as a Century Farm Home, with roots stretching back to pre-Civil War times. Nestled in

    Sarah Jenkins Spring Mountain Realty, PLLC

    Tract 5 Sandy Valley Rd, Rogersville, TN 37857
  • /30

    $100,000

    • Land
    • 2.99 Acres
    • $33,445 per Acre

    Lot 49 Hickory Knoll Cir, Whitesburg, TN 37891

    Tucked along the wooded shoreline of Cherokee Lake, Lot 49 Hickory Knoll Circle offers the kind of setting people imagine when they think about building a peaceful lake retreat in East Tennessee. This 2.99 acre property stretches from the quiet road frontage down to the water's edge, providing approximately 183 feet of shoreline and the ability to apply for a private dock. With the natural slope

    Amy Shrader REMAX Real Estate Ten of Morristown

    Lot 49 Hickory Knoll Cir, Whitesburg, TN 37891
  • /14

    $99,000

    • Land
    • 4.02 Acres
    • $24,627 per Acre

    9097 Paradise View Dr Unit 2, Mooresburg, TN 37811

    Welcome to 4.02± acres of future you is going to love this--located inside the highly sought-after, gated community of Legacy Bay on Cherokee Lake. This beautiful parcel is dotted with mature trees and offers a peaceful lake view, giving you the perfect blend of privacy, scenery, and ''ahhh, this is why we moved here.''Legacy Bay is where nature meets neighborhood perks. Think upscale

    John Kenney Century 21 Legacy

    9097 Paradise View Dr Unit 2, Mooresburg, TN 37811
  • /6

    $9,999

    • Land
    • 39,204 Sq Ft
    • $11,110 per Acre

    2109 Kahiti Ct, Mooresburg, TN 37811

    This is a public real estate auction. The price listed is not a purchase price. To see the current bid price, visit our site.Cherokee Lake Waterfront Property Auction Prime Lakefront Properties in Chelaque - Mooresburg, Tennessee Discover the opportunity to own a piece of beautiful Cherokee Lake in East Tennessee!, This exclusive auction features desirable lakefront properties located within

    Jason Deel JD's Realty & Auction, LLC

    2109 Kahiti Ct, Mooresburg, TN 37811
  • /77

    $789,900

    • 2 Beds
    • 2.5 Baths
    • 2,100 Sq Ft

    116 Freeman Rd, Rogersville, TN 37857

    A Rare East Tennessee Legacy PropertyTucked away at the foot of majestic Clinch Mountain, this extraordinary 48.69-acre estate offers a level of privacy, beauty, and tranquility that is becoming increasingly difficult to find. Located just 15 minutes from historic Rogersville, this custom-built retreat is where luxury meets nature.The thoughtfully designed home features 2 bedrooms and 2

    Stephen A. Nelson Givens Nelson Realty, Inc.

    116 Freeman Rd, Rogersville, TN 37857
  • /18

    $264,900

    $60K PRICE DROP
    • Land
    • 85.23 Acres
    • $3,108 per Acre

    0 Clouds Creek Rd Unit 709432, Rogersville, TN 37857

    Imagine waking up on your own piece of peaceful East Tennessee Countryside. This is a rare opportunity to own 85 acres of unrestricted private property with a stream running through it. Bring your vision to life on this beautiful natural sanctuary. If you want to build your own custom home or modular residence, establish a rental, or use the land for outdoor recreation. Ideal for hunting, hiking,

    LaDonya Griffin Crye-Leike Premier Real Estate LLC

    0 Clouds Creek Rd Unit 709432, Rogersville, TN 37857
  • /41

    $149,999

    $25K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,056 Sq Ft

    952 Morning Star Rd, Church Hill, TN 37642

    STOP! READ THIS BEFORE YOU CLICK CONTACT AGENT. ***************** Updated 3BR Home on Nearly an Acre with Fenced Yard & Security and low taxes Lovingly Cared for by Original Owners! Step into comfort and peace at this charming 3 bedroom, 2 bathroom home on 0.87 acres in the heart of Church Hill. With 1,056 sq ft of living space and thoughtful updates throughout, this home is move-in ready and

    Tannor Giles Your Home Sold Guaranteed Realty TN

    952 Morning Star Rd, Church Hill, TN 37642
  • /12

    $28,875

    • Land
    • 17,859 Sq Ft
    • $70,427 per Acre

    Lot 45 Walnut Grove Dr, Church Hill, TN 37642

    Welcome to Walnut Grove, a beautiful subdivision in the heart of Church Hill, Tennessee. This cleared, build-ready lot is the perfect place to bring your dream home to life. Enjoy the feel of a luxury neighborhood while still benefiting from no city taxes. Conveniently located near Kingsport, this property offers the perfect blend of peaceful surroundings and easy access to shopping, dining, and

    Jacob Rogers Property Executives Johnson City

    Lot 45 Walnut Grove Dr, Church Hill, TN 37642
  • /40

    $215,999

    $5K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,568 Sq Ft

    207 E Lane St, Church Hill, TN 37642

    This updated 3-bedroom, 2-bathroom home offers 1,568 square feet of comfortable living space. This property is move-in ready and packed with value. Step inside to discover a bright, open-concept floor plan . Entertaining or just family living is easy with a fully applianced kitchen, open to the dining and living area with fireplace The primary suite features two walk-in closets and an en-suite

    Michael LeMay CENTURY 21 Legacy - Greeneville

    207 E Lane St, Church Hill, TN 37642
  • /30

    $50,000

    • Land
    • 21,780 Sq Ft
    • $100,000 per Acre

    370 Chelaque Way, Mooresburg, TN 37811

    Build your dream home on this affordable 1/2-acre lot in the gated community of Chelaque, offering stunning views of Cherokee Lake and the surrounding mountains. Located at 370 Chelaque Way in Mooresburg, this corner lot is primarily wooded and mostly level, making it an ideal building site. Imagine mornings filled with serene lake views and evenings enjoying the gentle mountain breeze from your

    Amy Shrader REMAX Real Estate Ten of Morristown

    370 Chelaque Way, Mooresburg, TN 37811
  • /7

    $375,000

    • 1,500 Sq Ft

    1645 E Main St, Rogersville, TN 37857

    Located in the heart of Rogersville, Tennessee, this exceptional investment opportunity features a well-maintained 5-unit apartment complex with an additional on-site storage unit. The property offers a desirable unit mix consisting of two 1-bedroom, 1-bath apartments and three 2-bedroom, 1-bath apartments, appealing to a wide range of tenants. Each unit includes convenient washer and dryer

    Lisa McBride Clinch Mountain Realty & Auction

    1645 E Main St, Rogersville, TN 37857
  • /38

    $529,900

    $20K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,544 Sq Ft

    162 Cannon Rd, Mooresburg, TN 37811

    Welcome to 162 Cannon Road in Mooresburg, TN - a beautifully remodeled log home situated on 1.15 acres. This inviting home showcases the timeless appeal of natural wood construction, enhanced by thoughtful updates throughout. Step inside to find warm, open living spaces with updated finishes, creating the perfect balance of cozy cabin feel and contemporary style. The exterior offers the kind of

    Nicholas Mason RE/MAX Real Estate Ten Midtown

    162 Cannon Rd, Mooresburg, TN 37811

Showing Results 441 - 480, Page 12 of 13

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