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Jefferson County WV Homes for Sale

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  • /27

    $269,990 New Construction

    • 3 Beds
    • 2 Baths
    • 1,530 Sq Ft

    Lot 0026 Night Star Terrace, Kearneysville, WV 25430

    This new two-story townhome features two finished levels and a smart layout designed for both space and convenience. Upon entry, you’re welcomed into the open-concept main living area, highlighted by a spacious Great Room with extra LED lighting that flows seamlessly into the dining area and a fully equipped kitchen. The kitchen showcases white cabinetry, Valle Nevado countertops, a tile

    Lennar Builder
    Lot 0026 Night Star Terrace, Kearneysville, WV 25430
  • /36

    $453,490 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,197 Sq Ft

    Hamilton Plan at Shenandoah Springs - Mountain Laurel Collection, Ranson, WV 25438

    This spacious two-story home features an office by the foyer for at-home work, followed by an open-concept main living area with a kitchen, dining room and family room. The second level hosts all four bedrooms, including the owner’s suite with dual walk-in closets and a private bathroom. Completing the home is a two-car garage for versatile storage space.

    Lennar Builder
    85 Sandy Bottom Cir Unit 36171216, Ranson, WV 25438
  • /64

    $340,000

    • 3 Beds
    • 4 Baths
    • 1,922 Sq Ft

    156 Winterplace Dr, Charles Town, WV 25414

    Welcome to this stunning resale townhome built in 2024, offering 3 bedrooms, 2 full bathrooms, and 2 half bathrooms across three thoughtfully designed levels. Upon entry, the lower level features a convenient half bath, a single car garage, and a spacious recreation room at the rear of the home—perfect for a home office, playroom, or second living space. The main level boasts luxury vinyl plank

    Jennifer Forsch Pearson Smith Realty, LLC

    156 Winterplace Dr, Charles Town, WV 25414
  • /2

    $535,000 Coming Soon

    • 4 Beds
    • 2.5 Baths
    • 2,604 Sq Ft

    35 Grant Rd, Charles Town, WV 25414

    HORSES ALLOWED! This 3-4 bedroom, 2.5 bath all brick L-shaped rancher offers country living at its best. The huge kitchen boasts corian counters, a breakfast bar, a center island with a propane fueled cook top, a double wall oven , an abundance of cabinetry with pantry, as well as access to a delightful 24 x 24 screened porch that leads to the rear yard. The SEMI-OPEN floor plan is complete with

    Jeff Spickler RE/MAX Real Estate Group

    35 Grant Rd, Charles Town, WV 25414
  • /70

    $445,000

    • 4 Beds
    • 2.5 Baths
    • 1,664 Sq Ft

    8137 Summit Point Rd, Charles Town, WV 25414

    Offered for sale is this charming brick split-foyer home located just outside of historic downtown Charles Town, WV! This home is situated on a level 1.56-acre lot with expansive farm views in both the front and back, and the best part is that it has no HOA! The home has undergone numerous recent renovations, including the bathrooms and kitchen, fresh paint, hardwood flooring in the upper-level

    Benjamin Ashlock Samson Properties

    8137 Summit Point Rd, Charles Town, WV 25414
  • /28

    $379,900

    • 3 Beds
    • 1 Bath
    • 1,240 Sq Ft

    778 Kearneysville Pike, Kearneysville, WV 25430

    Price improvement! Full of charm and comfort on 1.47 acres. Discover one-level living at its finest in this well-maintained, one owner home that offers character and comfortable living space. Ideally situated in the heart of Kearneysville, this property provides unbeatable convenience to Shepherdstown, Charles Town, Martinsburg, Route 9, and major commuter routes into Virginia and Maryland -

    Andrew Lowe Path Realty

    778 Kearneysville Pike, Kearneysville, WV 25430
  • /18

    $340,370 New Construction

    • 3 Beds
    • 2 Baths
    • 1,646 Sq Ft

    454 Seeback Dr, Charles Town, WV 25414

    This new three-story townhome design combines comfort and style, with an unfinished recreation room and a one-car garage on the first floor. The second floor showcases an open-plan layout combining a dining room for memorable meals, a kitchen for adventurous cooks and a Great Room for shared moments. The third floor hosts three restful bedrooms including an owner’s suite with a walk-in closet and

    Lennar Builder
    454 Seeback Dr, Charles Town, WV 25414
  • /23

    $562,990 New Construction

    • 4 Beds
    • 2 Baths
    • 3,978 Sq Ft

    Lehigh Plan at Madison Greens - Single Family Homes, Ranson, WV 25438

    The Lehigh single-family home combines smart design with light-filled spaces. Enter the inviting foyer, where versatile flex space can be used as a playroom, living room or office. The gourmet kitchen boasts a large island and walk-in pantry and connects to the dining and family room. Off the 2-car garage, a family entry controls clutter and leads to a quiet study. Upstairs, a loft is an ideal

    Ryan Homes Builder
    177 Wallace Blvd Unit 39313491, Ranson, WV 25438
  • /110

    $975,000

    • 6 Beds
    • 7.5 Baths
    • 6,188 Sq Ft

    417 E Washington St, Charles Town, WV 25414

    $225,000 PRICE DROP Recent appraisal of $1.2 Million Turn Key available , Rutherford House Estate – Historic Elegance in the Heart of Charles Town, WV On the National Register of Historic Places. Presently Carriage Inn B&B and can be purchased to continue the business , Voted Best of the Best in 2025 Choice wards, Runner up 2024, Winner in 2023. Google review aggregate 5 stars , trip Advisor

    Carolyn Snyder Snyder Bailey & Associates

    417 E Washington St, Charles Town, WV 25414
  • /5

    $2,500,000

    • Land
    • 6.13 Acres
    • $407,830 per Acre

    0 Currie Rd, Ranson, WV 25438

    Zoned Highway Commercial, located at US Rt9/Charles Town Road Currie Road Exit, just off the West side Exit Ramp. The property spans 6.13 acres and is conveniently situated near public utilities. Surrounding the commercial property are approximately 262 acres of land currently zoned R6 residential, which is being marketed for sale. Additionally, Jefferson County Schools’ newest campus, Ranson

    Chip Hensell Hensell Realty, Co.

    0 Currie Rd, Ranson, WV 25438
  • /45

    $359,000 Coming Soon

    • 3 Beds
    • 2.5 Baths
    • 1,745 Sq Ft

    135 Presidents Pointe Ave, Ranson, WV 25438

    Welcome home to this beautifully maintained 3-bedroom, 2.5-bath interior townhome located in the desirable Presidents Pointe Subdivision. Move-in ready and filled with thoughtful updates, this property offers comfort, convenience, and modern living at its finest. Step inside to find freshly painted interiors that create a bright, welcoming atmosphere. All bathrooms have been professionally

    KA Mackenzie Roberts Realty Group, LLC

    135 Presidents Pointe Ave, Ranson, WV 25438
  • /53

    $529,000

    • 3 Beds
    • 3 Baths
    • 1,972 Sq Ft

    183 Byer Ln, Shepherdstown, WV 25443

    Welcome to this beautifully designed one level rancher nestled on 2.5+ private acres just minutes from Shepherdstown. This 3 bedroom, 3 bath home offers nearly 2,000 square feet of thoughtfully designed living space with an open concept layout and soaring 11 foot ceilings in the main living area.Rich red oak hardwood floors flow throughout the home, leading into a spacious living room

    Hannah Wigfield EXP Realty, LLC

    183 Byer Ln, Shepherdstown, WV 25443
  • /18

    $381,850 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,793 Sq Ft

    435 Seeback Dr, Charles Town, WV 25414

    This new three-story townhome design is the epitome of casual elegance. On the first floor, an unfinished recreation room and a one-car garage offer convenience. On the second floor, a lovely dining room flows in an open-concept layout to a multi-functional kitchen and welcoming Great Room. On the third floor, a luxe owner’s suite and two secondary bedrooms provide restful retreats for family

    Lennar Builder
    435 Seeback Dr, Charles Town, WV 25414
  • /57

    $999,999 Open Sat 10AM - 1PM

    • 4 Beds
    • 4.5 Baths
    • 4,066 Sq Ft

    321 Mistletoe Ln, Harpers Ferry, WV 25425

    May 18th 2026 delivery!! Home with 2 + / - acres situated in the new community of Hallmark Glen!!! Impressive homes in this community offers privacy and convenience for commuters and access to amenities. This home fits perfectly and will include the following: 4 bedrooms with 4.5 baths and an office or flex room. Ranch craftsman style home with Hardie board siding and includes a 2 car garage.

    Rick Boswell Gain Realty

    321 Mistletoe Ln, Harpers Ferry, WV 25425
  • /19

    $527,990 New Construction

    • 4 Beds
    • 2.5 Baths
    • 3,133 Sq Ft

    1255 Wallace Blvd, Ranson, WV 25438

    The to-be-built Columbia single-family home, at Madison Greens in Ranson, is just as inviting as it is functional. Discover a magnificently spacious floor plan with custom flex areas. The welcoming family room effortlessly flows into the kitchen and dining area, so you never miss a moment. Add a covered porch for those warm summer nights and use the family entry to control clutter. On the second

    Adam Dietrich NVR, INC.

    1255 Wallace Blvd, Ranson, WV 25438
  • /2

    $499,900

    • Land
    • 0.91 Acre
    • $549,341 per Acre

    2 Somerset Blvd, Charles Town, WV 25414

    Prime Commercial Pad Sites located at Windmill Crossing in Charles Town WV with Route 340 visibility. Three lots are listed individually which are all adjoined. This lot is 0.91 acres but we can comprise a total of over 2.5 acres with all 3 pads that are listed. Join other commercial enterprises in this area including Sheetz, Tractor Supply, Aldi, WVU Urgent Care, My Eye Doctor, Mountainview

    Charles Shultz Path Realty

    2 Somerset Blvd, Charles Town, WV 25414
  • /11

    $453,490 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,197 Sq Ft

    Shenandoah Springs Hamilton Floorplan, Ranson, WV 25438

    Welcome to Shenandoah Springs! Located in the Shenandoah Valley, this area is known for its beautiful landscapes, historic sites, and amazing vistas. The community's prime location offers easy access to shopping, dining, recreation, and historic destinations like Harpers Ferry and Charles Town. You are also close to Washington, D.C., Frederick, MD, and Northern Virginia. Enjoy local shopping,

    Julia Foard-Lynch Samson Properties

    Shenandoah Springs Hamilton Floorplan, Ranson, WV 25438
  • /2

    $69,000

    • Land
    • 0.11 Acre
    • $627,273 per Acre

    300 E 4th Ave, Ranson, WV 25438

    Corner lot consisting of 2 lots. Please confirm with City of Ranson for acceptable use of this property.

    Natalie Hoffmann Keller Williams Realty Advantage

    300 E 4th Ave, Ranson, WV 25438
  • /19

    $349,995

    • 3 Beds
    • 1 Bath
    • 2,220 Sq Ft

    86 Benson Dr, Harpers Ferry, WV 25425

    Megan Icenhour Keller Williams Realty Advantage

    86 Benson Dr, Harpers Ferry, WV 25425
  • /22

    $384,990 New Construction

    • 3 Beds
    • 2 Baths
    • 1,500 Sq Ft

    Freeport Plan at Riverpointe - Single Family, Ranson, WV 25438

    The Freeport plan features approximately 1,500 square feet, with 3 bedrooms, 2 bathrooms and an open concept layout. This design includes a spacious kitchen and gathering room, perfect for the multi-tasker. At the heart of the kitchen is a grand island where you can enjoy preparing meals while entertaining family and friends. Find comfort and relaxation in your secluded owner’s suite, featuring a

    D.R. Horton Builder
    290 Jefferson Terrace Rd Unit 37172351, Ranson, WV 25438
  • /48

    $329,999 New Construction

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

    148 Monroe Ave, Ranson, WV 25438

    MODEL HOME – 54 Sumter AveMove-In Ready NOW! St. Paul Townhome – The Largest Townhome in the Ranson Area! Enjoy spacious backyards with plenty of room for family fun, outdoor games, and weekend cookouts Up to 2,000 Sq. Ft. of Modern Living Special programs available for first-time & second-time buyers 4 Bedrooms | 2 Full & 2 Half Bathrooms | 1-Car Garage Main Level Highlights • Bright

    Jimmy Thomas New Home Star Virginia, LLC

    148 Monroe Ave, Ranson, WV 25438
  • /29

    $450,000

    • 3 Beds
    • 2 Baths
    • 1,410 Sq Ft

    518 Naples Way, Charles Town, WV 25414

    Tucked away at the back of Milton's Landing on a quiet cul-de-sac, this 1.5-acre property backs to trees for excellent privacy. This newer community offers a sense of space with every home situated on at least one acre, all just minutes from historic Charles Town. Built in 2023, the home features luxury vinyl plank flooring throughout the main living areas, stainless appliances, and upgraded

    Joseph Comstock ERA Oakcrest Realty, Inc.

    518 Naples Way, Charles Town, WV 25414
  • /33

    $399,900

    • 4 Beds
    • 3.5 Baths
    • 2,610 Sq Ft

    26 Stembogan Ct, Charles Town, WV 25414

    Luxurious Town home in Charles Town WV 4bd and 3 full and 1 half bath. Upon entrance walking into the lower finished level you will find a bedroom and full bath, heading up the stairs you will walk into the gourmet kitchen with beautiful lighting over the granite counter tops and stainless steel appliances. The living room off of the kitchen has electric LED fireplace, On the other side of the

    Noel Morgan Samson Properties

    26 Stembogan Ct, Charles Town, WV 25414
  • /18

    $350,120 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,646 Sq Ft

    Lot 0265 Seeback Dr, Charles Town, WV 25414

    This new three-story townhome design combines comfort and style, with an unfinished recreation room and a one-car garage on the first floor. The second floor showcases an open-plan layout combining a dining room for memorable meals, a kitchen for adventurous cooks and a Great Room for shared moments. The third floor hosts three restful bedrooms including an owner’s suite with a walk-in closet and

    Lennar Builder
    Lot 0265 Seeback Dr, Charles Town, WV 25414
  • /6

    $3,500,000

    • Land
    • 11.14 Acres
    • $314,183 per Acre

    0 Currie Road Rt 9 and Mildred St Unit WVJF2016654, Ranson, WV 25438

    Zoned Highway Commercial, located at US Rt9/Charles Town Road Currie Road Exit, just off the West side Exit frontage on enterance ramp, Currie Rd and Mildred Street. The property spans 11.14 acres and is conveniently situated near public utilities. Surrounding the commercial property are approximately 262 acres of land currently zoned R6 residential, which is being marketed for sale.

    Chip Hensell Hensell Realty, Co.

    0 Currie Road Rt 9 and Mildred St Unit WVJF2016654, Ranson, WV 25438
  • /86

    $1,599,999

    • 5 Beds
    • 4.5 Baths
    • 5,641 Sq Ft

    414 Mcmurran Farm Ln, Shepherdstown, WV 25443

    Welcome to 414 McMurran Farm Lane, this remarkable property was built for comfort, leisure, and everyday ease. Offering over 5,600 square feet of beautifully designed living space and an adjoining lot (Lot 6) for a total of 18+ acres, this property delivers a rare combination of luxury, functionality, and rural tranquility. From the moment you arrive, the mature tree lined driveway and expansive

    Jessica Smith Roberts Realty Group, LLC

    414 Mcmurran Farm Ln, Shepherdstown, WV 25443
  • /17

    $322,990 New Construction

    • 3 Beds
    • 2.5 Baths
    • 2,144 Sq Ft

    Cadence Plan at Madison Greens - Townhomes, Ranson, WV 17268

    Introducing The Cadence — a townhome that lives like a single-family home. Step through the welcoming foyer into an expansive recreation room, perfect for entertaining or relaxing. Want even more flexibility? Add a full bath to transform this space into a private guest suite. On the main level, experience true open-concept living. The spacious great room flows seamlessly into a gourmet kitchen

    Ryan Homes Builder
    1741 Destrier Rd Unit 39639687, Ranson, WV 17268
  • /37

    $364,900

    • Land
    • 3.95 Acres
    • $92,380 per Acre

    0 Bethany Ln, Charles Town, WV 25414

    River Front Lot with Million Dollar Views and 190 feet of river frontage perked and surveyed. Build your Dream Home on the 40 Foot bluff that gives you 180-degree views of the Shenandoah River and Blue Ridge mountains. The river frontage is level with enough room for an RV or a tent and there is no HOA. This almost 4-acre lot is in the country but is still convenient to Leesburg, Frederick and

    Kevin Coomler ERA Liberty Realty

    0 Bethany Ln, Charles Town, WV 25414
  • /50

    $322,999 New Construction

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

    Homesite 2233 Sherman Ave, Ranson, WV 25438

    Model Home – 54 Sumter Ave | St. Paul Townhomes The Largest Townhomes in the Ranson Area! Spacious backyards = endless room for family fun, games, and backyard cookouts! Up to 2,000 Sq. Ft. of Modern Luxury Special Programs Available for First-Time & Second-Time Buyers! 3 Bedrooms | 2 Full + 2 Half Baths | 1-Car Garage Main Level Highlights • Bright, open-concept living — perfect for entertaining

    Jimmy Thomas New Home Star Virginia, LLC

    Homesite 2233 Sherman Ave, Ranson, WV 25438
  • /91

    $405,000

    • 3 Beds
    • 2 Baths
    • 1,704 Sq Ft

    129 Church St, Summit Point, WV 25446

    Crica 1900's gem loacated on almost an acre in the heart of Summit Point. From top to bottom, this home has been tastefully remodled while keeping all the wonderful vinatage details in tact. The wrap around porch will welcome you into the warm and inovative home. There is a formal foyer, large living room that has original hard wood floors and fireplace w/ an artisian victorian wrought iron

    Lisette Turner Century 21 Redwood Realty

    129 Church St, Summit Point, WV 25446
  • /16

    $389,990 New Construction

    • 2 Beds
    • 2 Baths
    • 1,554 Sq Ft

    91 Vernon St, Charles Town, WV 25414

    Welcome to The Hinsdale, a delightful single-family ranch home nestled in the vibrant Essence at Stone Spring community of Charles Town, West Virginia. This charming residence spans 1,554 square feet and features two spacious bedrooms and two full bathrooms, making it an ideal choice for families or those seeking a peaceful retreat. As you enter through the covered porch, you are immediately

    Stanley Martin Builder
    91 Vernon St, Charles Town, WV 25414
  • /29

    $300,090 New Construction

    • 4 Beds
    • 3.5 Baths
    • 2,159 Sq Ft

    15 Ironwood Ct, Kearneysville, WV 25430

    This new three-story townhome features a smart layout designed to maximize space and comfort across three finished levels. The alternate first-floor plan offers exceptional flexibility, featuring a recreation room, a private bedroom and full bathroom—ideal for guests, a home office or multi-generational living. Upstairs, the open-concept main living area creates a seamless flow between the

    Lennar Builder
    15 Ironwood Ct, Kearneysville, WV 25430
  • /17

    $322,990 Open Fri 2PM - 5PM

    • 3 Beds
    • 2.5 Baths
    • 2,144 Sq Ft

    65E Destrier St, Ranson, WV 25438

    Welcome to the To-Be-Built CADENCE Floorplan at the brand new MADISON GREENS community in Ranson, WV! Luxury townhomes that live like a single family home with backyards and a prime location walkable to Potomac Towne Center and right off Rt. 9. Only 20 min from Frederick County, MD and 30 min from Loudoun County, VA. Step through the welcoming foyer into an expansive recreation room, perfect for

    Adam Dietrich NVR, INC.

    65E Destrier St, Ranson, WV 25438
  • /2

    $699,900 New Construction

    • 3 Beds
    • 2.5 Baths
    • 2,200 Sq Ft

    73 Claymont Hill St, Charles Town, WV 25414

    This gorgeous Modern Farmhouse rancher boasts an open floor plan, a first floor owner's suite, an INCLUDED screened porch and INCLUDED rec room, as well as numerous upgrades including stainless steel appliances, upgraded gourmet kitchen, LVP flooring, and many more. The house is flooded with light and is a must see!

    Courtney Poland The Bryan Group Real Estate, LLC

    73 Claymont Hill St, Charles Town, WV 25414
  • /46

    $419,990 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,441 Sq Ft

    TBB Prospect Hill Blvd Unit CLEMSON II, Charles Town, WV 25414

    The only community within historic Charles Town with resort style amenities!**UP TO $20,000 CLOSING COST ASSISTANCE AVAILABLE ON SELECT HOMES, FOR PRIMARY RESIDENCE WITH USE OF APPROVED LENDER AND TITLE!**Welcome to Huntfield! The Clemson II — Our model home! Starting at just over 2,400 sq. ft., this perfectly balanced “Goldilocks” plan is not too big and not too small — it’s just right.

    Brittany Newman DRB Group Realty, LLC

    TBB Prospect Hill Blvd Unit CLEMSON II, Charles Town, WV 25414
  • /37

    $365,000

    • Studio
    • 2,900 Sq Ft

    500 N Marshall St, Ranson, WV 25438

    This income-generating duplex on a corner lot in Ranson, WV, is full of charm. Unit A includes 3 bedrooms and 1.5 baths. The functional layout features an eat-in kitchen and one bedroom with a half bath on the first floor. Two bedrooms and a jack-and-jill bath complete the second floor. Unit B has 5 bedrooms and 2 full bathrooms. There is an eat-in kitchen, a full bathroom, and two bedrooms on

    Val Nicole Clark Realty FC, LLC

    500 N Marshall St, Ranson, WV 25438
  • /59

    $899,999 Open Sat 10AM - 1PM

    • 4 Beds
    • 5.5 Baths
    • 4,016 Sq Ft

    200 Mistletoe Ln, Harpers Ferry, WV 25425

    Delivery March 2026!!! Timeless Colonial Charm Meets Modern Comfort—in the New Community of Hallmark Glen! Discover a perfect fusion of classic elegance and contemporary luxury in this newly constructed Colonial home, nestled on 2 + / - acres. Offering unmatched privacy and peaceful surroundings, this refined retreat delivers the comfort of modern living without sacrificing timeless charm. A

    Rick Boswell Gain Realty

    200 Mistletoe Ln, Harpers Ferry, WV 25425
  • /48

    $471,990 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,563 Sq Ft

    TBB Marquee Farm Rd Unit OAKDALE II, Charles Town, WV 25414

    The only community within historic Charles Town with resort style amenities!**UP TO $10,000 CLOSING COST ASSISTANCE AVAILABLE ON SELECT HOMES, FOR PRIMARY RESIDENCE WITH USE OF APPROVED LENDER AND TITLE!** ATTACHED 2 CAR GARAGE INCLUDED!!! Live the Huntfield lifestyle in Charles Town's largest planned community ideally situated along the rolling hills of the Blue Ridge Mountains! Welcome to

    Brittany Newman DRB Group Realty, LLC

    TBB Marquee Farm Rd Unit OAKDALE II, Charles Town, WV 25414
  • /41

    $416,990 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,216 Sq Ft

    TBB Bruton Ln Unit CARNEGIE II, Charles Town, WV 25414

    *OFFERING UP TO $12,500 IN CLOSING ASSISTANCE FOR PRIMARY RESIDENCE WITH USE OF APPROVED LENDER AND TITLE.*Welcome to the Carnegie II, a place where functionality and affordability meet modern luxury! Upon entering the home, you will discover a flex area that can be used as a formal dining area or home office. Just beyond this space, you will find a beautiful open-concept kitchen boasting a

    Brittany Newman DRB Group Realty, LLC

    TBB Bruton Ln Unit CARNEGIE II, Charles Town, WV 25414
  • /14

    $224,900

    • Land
    • 6.1 Acres
    • $36,869 per Acre

    6.1 and 1.57 Acres Chestnut Hill Rd, Harpers Ferry, WV 25425

    Two Lots that, with Jefferson County Planning and Zoning Approval, should be able to accommodate 4 lots TOTAL or use it as an unrestricted 7.67 Acre Retreat. There is a 30 Foot Easement on the property connecting one other parcel. Buyer to perform all their own due diligence to ensure they understand exactly what they have. Cardinal Title is happy to help and has done substantial research on

    Adam Shively Samson Properties

    6.1 and 1.57 Acres Chestnut Hill Rd, Harpers Ferry, WV 25425

Showing Results 401 - 440, Page 11 of 12

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