4,484

Kentucky 2-Story Homes for Sale

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  • /38

    $349,900

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

    125 Emerson Trail, Georgetown, KY 40324

    Located in the highly sought-after Bradford Place neighborhood, this Georgetown gem blends comfort and elegance. Two-story entryway and 9-foot ceilings create an airy, light-filled space throughout the open-concept main level. The kitchen flows seamlessly into both a formal dining area and breakfast nook. Oversized primary suite offers a true retreat, featuring a spacious walk-in closet,

    Michael Brickey Keller Williams Commonwealth

    125 Emerson Trail, Georgetown, KY 40324
  • /52

    $549,900

    • 4 Beds
    • 2.5 Baths
    • 2,830 Sq Ft

    6036 Crabapple Rd, Versailles, KY 40383

    New landscaping just in time for Spring! Come see this this charming brick home in the coveted Cedar Ridge neighborhood just moments from Downtown Versailles, Bluegrass Parkway, and Falling Springs Rec Center! The first floor shines with fresh refinished hardwood floors, and newly installed windows that bring in all the natural sunlight! Spacious kitchen and family room, classic dining, and

    Kelly Karls EXP Realty, LLC

    6036 Crabapple Rd, Versailles, KY 40383
  • /29

    $395,000 Open Sat 11AM - 12:30PM

    • 4 Beds
    • 2.5 Baths
    • 2,263 Sq Ft

    10520 Elderberry Ln, Independence, KY 41051

    Built in 2022, this nearly new Fischer Home in the desirable Greenbrook community delivers the perfect blend of style, space, and comfort. The Yosemite Western Craftsman plan showcases an upgraded kitchen with beautiful cabinetry, sleek countertops, and an open flow into the spacious family room and light-filled morning room, ideal for everyday living and entertaining. A separate living room

    Christina Kasle Pivot Realty Group

    10520 Elderberry Ln, Independence, KY 41051
  • /36

    $425,000

    • 5 Beds
    • 2.5 Baths
    • 2,550 Sq Ft

    304 Cambridge Station Rd, Louisville, KY 40223

    Welcome to 304 Cambridge Station Rd, a five-bedroom home located in an established neighborhood in Jeffersontown. With multiple living areas and a flexible floor plan, this property offers space to spread out both inside and out. The main level includes a formal living room, formal dining room, and a comfortable family room featuring a wood-burning fireplace and built-in cabinetry. These spaces

    Amanda Midkiff Reserve Realty Group

    304 Cambridge Station Rd, Louisville, KY 40223
  • /33

    $339,900

    • 3 Beds
    • 2.5 Baths
    • 1,608 Sq Ft

    740 Pilot Ridge Ln, Winchester, KY 40391

    Tucked away on 1.25 fully fenced acres, this custom-built home offers some of the most breathtaking views in Winchester. Designed with charm and comfort in mind, this 3-bedroom, 2.5-bath home blends modern convenience with timeless farmhouse style. Step inside to an open, inviting layout filled with natural light and warm finishes throughout. The spacious vaulted master suite is a true retreat,

    Holly Goeing The Agency

    740 Pilot Ridge Ln, Winchester, KY 40391
  • /22

    $195,000

    • 4 Beds
    • 2 Baths
    • 2,082 Sq Ft

    413 Logan St, Frankfort, KY 40601

    Special Capital-zoned duplex in highly desirable South Frankfort, just a half mile to the Capitol and an easy trip to Andy's Bakery! Each unit offers 2 bedrooms and 1 full bath, with a convenient laundry area located in the eat-in kitchen. Spacious living rooms and well-sized bedrooms provide comfortable living in both units. Historic zoning presents potential eligibility for Historic Tax

    Joe Johnson Bluegrass Realty & Investments

    413 Logan St, Frankfort, KY 40601
  • /39

    $469,000

    • 3 Beds
    • 2 Baths
    • 2,354 Sq Ft

    220 Hillsboro Ave, Lexington, KY 40511

    Meadowthorpe! 3 Bedroom, 2 Full bath with partially finished basement. Extensively renovated and move-in ready, this home offers the perfect blend of modern updates and functional living spaces inside, 3 Bedrooms and a Separate Office with built-in desk. Primary bedroom on 1st floor. The kitchen has been completely transformed with new quartz countertops, a stylish tile backsplash, stainless

    Roger Browning Four Seasons Realty

    220 Hillsboro Ave, Lexington, KY 40511
  • /52

    $339,900

    • 4 Beds
    • 2 Baths
    • 1,843 Sq Ft

    228 Holiday Rd, Winchester, KY 40391

    Don't miss your chance to own this beautifully updated split-level home in Holiday Hills! Featuring 4 bedrooms and 2 full baths, this home offers a bright, open-concept kitchen and living area perfect for both everyday living and entertaining. Thoughtfully updated in recent years, the home features newer flooring, fresh paint, updated cabinets and countertops, modern electrical and plumbing

    Caroline Mucci CENTURY 21 Commonwealth R E

    228 Holiday Rd, Winchester, KY 40391
  • /7

    $350,000

    • 2 Beds
    • 2.5 Baths
    • 1,281 Sq Ft

    1851 Bridgestone Dr, Lexington, KY 40511

    Don't look any further! This one-of-a-kind end townhome in the gated community of Griffin Gate is being completely gutted and renovated from the inside out. Major improvements are underway from the studs, including new water lines, kitchen and bathroom cabinets, floors, paint, granite countertops and so much more! The seller is offering the opportunity to purchase while renovations are being

    Tisha Monte Bluegrass Properties Group

    1851 Bridgestone Dr, Lexington, KY 40511
  • /124

    $815,000

    • 6 Beds
    • 5.5 Baths
    • 5,039 Sq Ft

    1166 Sandstone Point Trail, Monticello, KY 42633

    Lakefront luxury can be yours in this breathtakingly gorgeous lake home that is completely furnished, all you'll need is your toothbrush! Lake Cumberland memories will begin and last forever as the nearly 5,000 sq ft of meticulously designed spaces will accommodate an abundance of friends and family! This stunning 6 bedroom, 5.5 bath custom built craftsman style home sits beautifully on 1.3 acres

    Vicki Hines Lake Cumberland Real Estate Professionals

    1166 Sandstone Point Trail, Monticello, KY 42633
  • /46

    $339,000

    • 4 Beds
    • 2.5 Baths
    • 1,988 Sq Ft

    8501 Turnside Dr, Louisville, KY 40242

    Step inside and find the perfect blend of charm and modern updates at Turnside Drive! You'll instantly be met with natural light, a comfortable floor plan, and space to spread out. This home holds 4 bedrooms, 2.5 bathrooms, and a privately fenced-in yard sitting at the end of a quiet dead-end street. The main level offers a light filled living room leading into the dining and kitchen areas that

    Kelley Mathis Red Edge Realty

    8501 Turnside Dr, Louisville, KY 40242
  • /30

    $249,500

    • 3 Beds
    • 1 Bath
    • 1,448 Sq Ft

    5408 Sprigwood Ln, Louisville, KY 40291

    Welcome home to this beautifully renovated 3-bedroom, 1-bath move-in-ready gem! Updates include brand-new flooring, fresh interior paint, and a fully updated bathroom, giving the home a modern and clean feel throughout. The functional layout offers comfortable living with great natural light and spacious bedrooms. Perfect for first-time buyers, downsizers, or investors. Don't miss your chance to

    Tarik Hemrekovic RE/MAX Empire

    5408 Sprigwood Ln, Louisville, KY 40291
  • /40

    $319,900 Open Sat 12PM - 2PM

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

    2232 Becklynn Dr, Owensboro, KY 42303

    Welcome to 2232 Becklynn Drive in the desirable Hillcrest neighborhood. This classic brick two story offers 4 bedrooms, 2.5 baths, and over 2,100 square feet of updated living space with a layout that works for everyday life. From the moment you walk in, you get a clean, move in ready feel with fresh luxury vinyl plank flooring flowing throughout the main areas and neutral tones that make the

    THE HARRIS GROUP Keller Williams Elite

    2232 Becklynn Dr, Owensboro, KY 42303
  • /10

    $209,900

    • 2 Beds
    • 1.5 Baths
    • 1,398 Sq Ft

    2811 Bexley Ct, Louisville, KY 40206

    Welcome to 2811 Bexley Ct, a charming townhouse with approximately 1,100 sf with a large primary bedroom, an additional bedroom and 1.5 bathrooms nestled in the desirable Heather Hills neighborhood. This home features a partially finished basement, providing additional living and storage space. Updates include kitchen cabinets, countertops, appliances, bathrooms (which include tile floor, tile

    Debra Nicholson Mills,Biggs,Haire,&Reisert,Inc

    2811 Bexley Ct, Louisville, KY 40206
  • /92

    $1,830,000

    • 4 Beds
    • 3 Baths
    • 4,307 Sq Ft

    1830 Jacks Creek Pike, Lexington, KY 40515

    Location, location, location—centrally located with easy access to I-75, shopping, restaurants, and downtown. 15.1 ± acre mini farm featuring a 2.5-acre stocked pond, gunite pool, and a five-bent tobacco barn converted into a six-stall horse barn (with hot/cold water supply, heated office, and tack room). 3,607 sq ft home built in 1953 and fully remodeled in 2016 with all-new electrical,

    Amber Siegelman Bluegrass Sotheby's International Realty

    1830 Jacks Creek Pike, Lexington, KY 40515
  • /32

    $210,000

    • 3 Beds
    • 2 Baths
    • 1,350 Sq Ft

    4625 Cliff Ave, Louisville, KY 40215

    Looking for affordable AND updated? Don't miss this charming, 3 bed, 2 bath home in a convenient loctation! Updates include, new deck, new flooring, new paint, to name a few. First floor features a living room with loads of natural light, an open concept kitchen and dining room with a fantastic view of the back yard. Step out on the deck perfect for enjoying your morning coffee, or an evening

    Arijan Kevric Housing Associates

    4625 Cliff Ave, Louisville, KY 40215
  • /43

    $245,000

    • 3 Beds
    • 1.5 Baths
    • 2,128 Sq Ft

    4616 Hillside Dr, Louisville, KY 40216

    Welcome to 4616 Hillside Drive! This home has so much charm. The first floor has an eat in kitchen, two nice sized bedrooms, a full bath, a living room AND a family room. Lots of pretty wood floors! The second floor has a huge third bedroom and a half bathroom. The clean and neat basement has a rec room, the laundry area and an unfinished storage area. The large rear yard is fully fenced and

    Susan Hatton Semonin Realtors

    4616 Hillside Dr, Louisville, KY 40216
  • /24

    $229,900

    • 2 Beds
    • 1.5 Baths
    • 960 Sq Ft

    233 Western Ave, Covington, KY 41011

    No HOA and move-in ready! This end unit 2 bed, 1.5 bath condo in Covington offers the perfect blend of convenience and low-maintenance living-without the monthly fees. Step inside to an open layout with updated flooring in the living room and kitchen, plus a fully equipped kitchen with all appliances included.Enjoy morning coffee or unwind in the evening on the recently updated front decks

    Eric Ginder RE/MAX Victory + Affiliates

    233 Western Ave, Covington, KY 41011
  • /14

    $185,000

    • 4 Beds
    • 2 Baths
    • 2,285 Sq Ft

    411 Logan St, Frankfort, KY 40601

    Special Capital-zoned duplex in highly desirable South Frankfort, just a half mile to the Capitol and an easy trip to Andy's Bakery! Each unit offers 2 bedrooms and 1 full bath, with a convenient laundry area located in the eat-in kitchen. Spacious living rooms and well-sized bedrooms provide comfortable living in both units. Historic zoning presents potential eligibility for Historic Tax

    Joe Johnson Bluegrass Realty & Investments

    411 Logan St, Frankfort, KY 40601
  • /20

    $240,000

    • 2 Beds
    • 2 Baths
    • 1,265 Sq Ft

    3811 Washington Square Unit 2G, Louisville, KY 40207

    Introducing a refined opportunity in the heart of St. Matthews, this thoughtfully updated two-bedroom, two-bath residence at Washington Square offers an ideal balance of comfort and scale. Located on the 2nd floor and spanning 1,265 square feet, the home is anchored by an expansive living and dining area—designed for both everyday ease and effortless entertaining—while the well-appointed kitchen

    Brandon Jones Lenihan Sotheby's Int'l Realty

    3811 Washington Square Unit 2G, Louisville, KY 40207
  • /30

    $299,000

    • 4 Beds
    • 2.5 Baths
    • 1,820 Sq Ft

    144 Canary Cir, Corbin, KY 40701

    Beautifully maintained Colonial-style 4-bedroom, 2.5-bath home in a well-established neighborhood. Enjoy relaxing on the inviting front porch shaded by mature trees or entertaining on the back patio overlooking the spacious, fenced backyard. Inside, you'll find a welcoming living room, an open kitchen and dining area, and a cozy family room with a fireplace. All four spacious bedrooms are located

    Tabitha House CENTURY 21 Advantage Realty

    144 Canary Cir, Corbin, KY 40701
  • /48

    $335,000

    • 4 Beds
    • 2 Baths
    • 2,146 Sq Ft

    7207 Hollow Creek Rd, Louisville, KY 40228

    WELCOME to 7207 Hollow Creek Rd. Completely reimagined from top to bottom, this 4-bedroom, 2 full bath home in the highly desirable Hollow Creek community is the definition of move-in ready. The sellers have thoughtfully updated nearly every inch—featuring all new flooring, a stunning kitchen with butcher block countertops, beautifully renovated bathrooms, fresh interior paint, updated

    Geoffrey Novak Knob & Key Realty, LLC

    7207 Hollow Creek Rd, Louisville, KY 40228
  • /56

    $425,000 Open Sat 1PM - 3PM

    • 4 Beds
    • 2.5 Baths
    • 3,216 Sq Ft

    2050 Old Higbee Mill Rd, Lexington, KY 40514

    Nestled on a peaceful stretch of countryside, 2050 Old Higbee Mill Road offers the perfect blend of privacy, charm, and convenience just minutes from Veterans Park, Publix and many more inviting upscale food and shopping options. This inviting property features a serene setting surrounded by rolling landscapes and wooded area making it an ideal retreat from the hustle and bustle of city life. The

    Danny Hudnall Thwaites Realtors LLC

    2050 Old Higbee Mill Rd, Lexington, KY 40514
  • /38

    $725,000

    • 4 Beds
    • 3.5 Baths
    • 4,363 Sq Ft

    6905 Cabot Ct, Prospect, KY 40059

    This stately and well-maintained brick colonial sits on a quiet cul-de-sac in the heart of the first-built section of Sutherland, close to the clubhouse with pool and other amenities. Nice curb appeal, with mature foundation shrubs and Japanese maples. The front entrance opens to a 2-story foyer flanked by a formal dining room with built-in China cabinets and an office/library. The open floor

    Matt McCall Kentucky Select Properties

    6905 Cabot Ct, Prospect, KY 40059
  • /33

    $249,000

    • 3 Beds
    • 2.5 Baths
    • 2,207 Sq Ft

    143 Main St, Woodburn, KY 42170

    Welcome home to historic charm and modern comfort! This beautifully restored home, built in 1886, perfectly blends historic character with modern amenities. Features include a renovated kitchen with granite countertops, modern HVAC systems, and a huge front porch to enjoy on a quiet street. Located in the desirable South Warren school district with easy access to 31-W and I-65.

    James Brown Keller Williams First Choice R

    143 Main St, Woodburn, KY 42170
  • /168

    $1,475,000

    • 5 Beds
    • 4.5 Baths
    • 6,922 Sq Ft

    315 Whispering Brook Dr, Nicholasville, KY 40356

    Welcome to 315 Whispering Brook Drive, this Jessamine county estate has it all! Offering 5 bedrooms, 5 bathrooms, 5 car garage, chef's kitchen, inground heated saltwater swimming pool, unfinished guest house, home theater and bar with nearly 7,000 square feet. Located on an immaculately maintained and private two acre cul-de-sac lot, you will be impressed by the curb appeal from the second you

    S Alexander Lennon Bluegrass Sotheby's International Realty

    315 Whispering Brook Dr, Nicholasville, KY 40356
  • /64

    $700,000

    • 2 Beds
    • 2.5 Baths
    • 1,605 Sq Ft

    1404 Catwalk Rd, Bagdad, KY 40003

    Are you looking for a log home with authentic rustic charm combined with a 22-acre wooded sanctuary? Then look no further!! Rough-cut Popular Log Home offers over 1600+ sqft of living space, 2 bedrooms, 2.5 bathrooms, and a loft area that could be easily converted to a 3rd bedroom. Walkout unfinished basement, attached 2-car carport. Private lakefrontage, 40X45 drive-through shop building with a

    Danielle Dixon HOME LAND of Kentucky

    1404 Catwalk Rd, Bagdad, KY 40003
  • /40

    $259,900

    • 3 Beds
    • 2 Baths
    • 896 Sq Ft

    449 Ripple Creek Dr, Elsmere, KY 41018

    Spacious home with open floor plan, Cathedral Ceilings and walk out to large deck. Primary bedroom features a walk in closet and adjoining bath. Four true bedrooms with two full baths offer lots of living space. Back yard boasts multiple entertaining areas as well as a fire pit and extended driveway.

    Dean Frank Coldwell Banker Realty FM

    449 Ripple Creek Dr, Elsmere, KY 41018
  • /50

    $269,900

    • 3 Beds
    • 2 Baths
    • 1,092 Sq Ft

    2501 Alexandria Pike, Southgate, KY 41071

    This stunning Craftsman home blends timeless charm with thoughtful updates. Features include gleaming hardwood floors, original woodwork, and cased windows that fill the home with natural light. Enjoy the covered front and rear porches plus a cozy three-season room. Inside offers two fireplaces with Rookwood tile, custom built-ins, and a kitchen with stainless steel appliances. Spacious bedrooms

    Adam Hayhow Coldwell Banker Realty

    2501 Alexandria Pike, Southgate, KY 41071
  • /44

    $514,500

    • 4 Beds
    • 2.5 Baths
    • 3,303 Sq Ft

    10212 Stone School Rd, Prospect, KY 40059

    Discover a wonderful opportunity to own a two-story traditional home in sought after Glen Oaks, featuring a spacious rear lot that overlooks the13th hole of the golf course. Enter the foyer to the family room, complete with a fireplace, offering stunning views of the green space. Enjoy a large kitchen with abundant cabinetry and tile flooring, ideal for family meals and entertainment, along with

    Maria Durbin Semonin Realtors

    10212 Stone School Rd, Prospect, KY 40059
  • /32

    $165,000

    • 4 Beds
    • 1.5 Baths
    • 1,542 Sq Ft

    2324 Magazine St, Louisville, KY 40211

    This turnkey 4bedroom, 1.5bath home is zoned R6, offering strong potential for future multifamily use thanks to its generous layout, abundant space, and number of rooms. Inside, the home feels fresh and inviting with new drywall in select areas and fresh paint throughout. The updated kitchen features new cabinets, countertops, and a new sink, creating a clean and functional space. Both bathrooms

    Breina Whelan Real Estate Go To

    2324 Magazine St, Louisville, KY 40211
  • /41

    $750,000

    • 4 Beds
    • 5 Baths
    • 4,751 Sq Ft

    940 Forest Hills Rd, Forest Hills, KY 41527

    FANTASTIC FOREST HILLS 2 STORY BRICK/STONE HOME! Greeted with circular concrete driveway. Open Floor layout. 4 Bedrooms, Home Office, Bonus Room and 4.25 Bathrooms. Grand Kitchen. Spacious Living Room. Primary bedroom on 1st floor with a Primary Retreat. Enjoy the sitting room off foyer. Front Covered Porch. Rear Cover Porch. Rear Patio. Fenced In Ball Court. 2 Car Garage attached. 1 Min from

    Nathaniel Boggs United Real Estate Bluegrass

    940 Forest Hills Rd, Forest Hills, KY 41527
  • /39

    $275,000

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

    417 Gwendolyn St, Louisville, KY 40203

    This charming home offers a perfect blend of character & functionality. The inviting living room features built-ins, creating both style & convenient storage. Just beyond, the dining room includes a unique closet bar, perfect for entertaining guests.The kitchen boasts ample cabinetry & is highlighted by a rustic barn wood island that adds warmth & charm. The first floor includes two bedrooms & a

    Lee Jolly Family Realty LLC

    417 Gwendolyn St, Louisville, KY 40203
  • /23

    $469,000

    • 4 Beds
    • 2.5 Baths
    • 2,761 Sq Ft

    544 Ryan Dr, Richmond, KY 40475

    This stunning 4 bedroom, 2.5 bath home on full, unfinished basement in Magnolia Pointe is a must see. This home has a wonderful floorplan, spacious and well thought out. First level has foyer, living room, large den with gas fireplace, half bath and an open kitchen that offers granite countertops, appliances, island and large walk-in pantry closet. The second level has a large, open landing space

    Tracey Goebel Tom Goebel & Company

    544 Ryan Dr, Richmond, KY 40475
  • /25

    $430,000 Open Sat 11AM - 12PM

    • 3 Beds
    • 2.5 Baths
    • 2,496 Sq Ft

    3 Cedar Point, Cold Spring, KY 41076

    Well-maintained 3-bedroom, 3-bath two-story home in the heart of Cold Spring with no HOA. Features a beautifully updated kitchen with high-end cabinetry and granite countertops. The main living area offers a cozy fireplace and walkout access to a private backyard. Recent updates include lighting, paint, and exterior shutters. Spacious outdoor area provides endless opportunities for entertaining,

    Nicole Elliott Keller Williams Realty Service

    3 Cedar Point, Cold Spring, KY 41076
  • /39

    $300,000 Open Thu 5PM - 7PM

    • 3 Beds
    • 1.5 Baths
    • 1,596 Sq Ft

    545 Elm St, Ludlow, KY 41016

    At 545 Elm, you're not just buying a house, you're stepping into a home that blends character, function, and a walkable lifestyle in one of Northern Kentucky's most underrated riverfront communities. High ceilings, custom lighting, and original architectural details like pocket doors and French doors create a warm, elevated feel from the moment you walk in.The kitchen is the kind that

    Janell Stuckwisch eXp Realty, LLC - Janell

    545 Elm St, Ludlow, KY 41016
  • /42

    $499,000 Open Sat 2PM - 4PM

    • 4 Beds
    • 3.5 Baths
    • 3,072 Sq Ft

    309 Crepe Myrtle Way, Bowling Green, KY 42104

    Welcome to this beautifully maintained 4 bedroom, 3.5 bath home with space for everyone. The home features hardwood floors, a formal dining room, and a cozy natural gas fireplace that anchors the main living area. In addition to the main living spaces, there is a 320 sq ft heated and cooled flex room that would make a great home office, man cave, or craft room. The fourth bedroom is located

    Valerie Johnson Trademark Realty LLC

    309 Crepe Myrtle Way, Bowling Green, KY 42104
  • /59

    $695,000

    • 3 Beds
    • 4 Baths
    • 4,008 Sq Ft

    1775 Irvine Rd, Winchester, KY 40391

    Absolutely fabulous all brick home with incredible views, one owner, what makes this home special is the feeling of elegance, a total renovation offers the ultimate in living, spacious lower level provides full bath, family room, firepalce, walk out door to a large patio, first level dining room, great room with firepalce, showcase kitchen, living room, upstairs with large master suite, side

    Mila Ensor Ensor Real Estate, LLC

    1775 Irvine Rd, Winchester, KY 40391
  • /39

    $299,000

    • 4 Beds
    • 2 Baths
    • 1,897 Sq Ft

    106 Riddle St, Nicholasville, KY 40356

    Well-maintained and recently remodeled property offering flexibility for a variety of uses in the heart of Nicholasville. Currently configured as a 4 bedroom, 2 bathroom home with one tenant in place, providing immediate income. The layout presents an opportunity for a multi-unit configuration, with a front portion consisting of 3 bedrooms and 1 bathroom, and a rear section with 1 bedroom, 1

    Presley Baker Knob & Key Realty, LLC

    106 Riddle St, Nicholasville, KY 40356
  • /16

    $89,900

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

    2858 Hillspring Rd, Pleasureville, KY 40057

    2858 Hillspring Dr in Pleasureville, KY is a true investor special with upside for the right buyer. This 3 bedroom, 2 bathroom home sits on a .43 acre lot and offers solid potential for renovation and long-term value. The property will require private financing or cash in its current condition. It will not meet FHA, VA, or RHS guidelines. Selling as-is. No repairs will be made. If you're looking

    Baird Dunsmore Torrey Smith Realty Co., LLC

    2858 Hillspring Rd, Pleasureville, KY 40057

Showing Results 281 - 320, Page 8 of 18

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