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Madison, AL Homes for Sale with No HOA Fee

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  • /40

    $350,000

    $10K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,699 Sq Ft

    168 Brass Oak Dr, Madison, AL 35758

    Rare opportunity in Madison! Nestled in a cul-de-sac, this 3-bedroom, 2.5-bath home features a 2-car garage with an EV charging outlet, a huge private backyard with no rear neighbors, and direct access to the neighborhood park and playground. Plus, there's no HOA, offering added flexibility and freedom. Enjoy the perfect combination of privacy, convenience, and outdoor living in one of Madison's

    Jamillah Heater Market Group Real Estate

    168 Brass Oak Dr, Madison, AL 35758
  • /31

    $449,900

    New Construction Open Sat 10AM - 5PM $43K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,228 Sq Ft

    110 Watlington Rd, Madison, AL 35756

    Welcome to Madison Farms, McKinley Homes lifestyle-focused community located in the highly desirable city of Madison. CURRENTLY OFFERING $15K IN BUILDER INCENTIVES PLUS $15K IN CLOSING COSTS/RATE BUYDOWN W/ PREFERRED LENDER! Madison Farms offers single-family homes carefully situated alongside a large park and open green space perfect for enjoying picnics, playing sports, or just spending time in

    Katie Eubanks Brown Capstone Realty

    110 Watlington Rd, Madison, AL 35756
  • /41

    $590,000

    $19K PRICE DROP
    • 4 Beds
    • 4.5 Baths
    • 4,175 Sq Ft

    114 Rushing Brook Dr, Madison, AL 35756

    Located just minutes away Russell Branch Elementary, Madison City's premier new school. Don’t miss your opportunity to own this stunning 4-bedroom, 4.5-bath 4,175 sq ft 1.5-story home situated on a premium lot backing to a creek, with no direct neighbors behind for added privacy. New Carpet (2026), New Dishwasher (2026), Roof 2020. Soaring decorative ceilings, crown molding, elegant fixtures,

    Elizabeth Davis Fox Properties

    114 Rushing Brook Dr, Madison, AL 35756
  • /33

    $562,550

    New Construction Open Sun 2PM - 5PM $4K PRICE INCREASE
    • 5 Beds
    • 4.5 Baths
    • 3,147 Sq Ft

    109 Windmont Dr, Madison, AL 35758

    Under Construction-The Florence II. The best of single level living with a huge bonus/bedroom room w/ ensuite bath upstairs. The foyer opens to the dining room w/coffered ceiling & french doors leading to the study. You'll love the eat in kitchen & family room which flow together seamlessly. As you find yourself in your beautiful kitchen everyone will congregate around the quartz island. Retreat

    Scott Dudley VC Realty LLC

    109 Windmont Dr, Madison, AL 35758
  • /10

    $1,508,784

    $502K PRICE DROP
    • Land
    • 11.93 Acres
    • $126,470 per Acre

    11.93 Acres Old Highway 20, Madison, AL 35756

    Exceptional and Rare Opportunity to acquire ~97 acres across three parcels in a growing area. Includes ~27.9 Acres Zoned Commercial/Residential and Huntsville Utilities, 57.1 Acres Zoned AG/Residential with Madison Utilities, and 11.9 acres also Zoned AG/Residential with Madison Utilities. Parcels are in different jurisdictions and school districts, offering flexibility for development,

    Keri Vellis RE/MAX Today

    11.93 Acres Old Highway 20, Madison, AL 35756
  • /37

    $304,999

    • 3 Beds
    • 2 Baths
    • 1,764 Sq Ft

    134 Philadelphia Dr, Madison, AL 35758

    Beautiful 3 Bedroom, 2 bath Home with an Open Floor Plan with Fresh Paint and Carpet Throughout. Plentiful natural light and located in the heart of Madison with Madison City school districts! Home features a large loft overlooking the sprawling living room, large covered back porch (perfect for entertaining), covered front porch, laundry room, fireplace, 2 car garage, skylights and windows all

    Anthony Bekken Dorsett Group Realty

    134 Philadelphia Dr, Madison, AL 35758
  • /25

    $269,700

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,561 Sq Ft

    3326 Cool Springs Ave SW, Madison, AL 35756

    **Qualifies for 4.99% 2/1 GOV Buy Down AND up to $30,000 in Flex Cash with preferred lender for AUGUST CLOSING! **AS LOW AS 2.99 - 3.99 - 4.99 ** Presenting the Allex floorplan in Maple Grove at Greenbrier Preserve in Madison, AL. The Allex is a one-story single-family home floorplan with three bedrooms, two bathrooms, and an attached two car garage. This 1,561 square foot floorplan is

    D.R. Horton Builder
    3326 Cool Springs Ave SW, Madison, AL 35756
  • /2

    $450,000

    • Land
    • 39,639 Sq Ft
    • $494,505 per Acre

    105 Spenryn Dr, Madison, AL 35758

    Excellent commercial corner lot about 1 mile from Highway 565 and 1.75 miles from the Midtown Madison, Toyota Field and Huntsville International Airport. The lot has 408' road frontage with additional acreage available across the street in the 38 acre parcel on Garner Rd. and Celtic Dr. MLS # 21910112.

    Alex Mukai Avanti Realty Services LLC

    105 Spenryn Dr, Madison, AL 35758
  • /32

    $409,850

    New Construction Open Sun 2PM - 5PM $18K PRICE INCREASE
    • 4 Beds
    • 3.5 Baths
    • 2,872 Sq Ft

    27624 Foggy Rd, Madison, AL 35756

    Under Construction-Experience The Avenir, a bold masterclass in modern living by Valor Communities. Step through the grand two-story foyer into a light-filled social hub where a gourmet kitchen and quartz island anchor your entertaining space. This rare design features dual primary suites. The main-level retreat boasts a lavish Roman bath layout , while the upstairs sanctuary offers a private

    Scott Dudley VC Realty LLC

    27624 Foggy Rd, Madison, AL 35756
  • /49

    $759,000

    $60K PRICE DROP
    • 4 Beds
    • 4.5 Baths
    • 4,074 Sq Ft

    203 Silverado Dr, Madison, AL 35758

    Step into this beautifully Madison home featuring an open floor plan with 4 bedrooms and 41⁄2 baths. The chef-inspired kitchen is a highlight—streamlined stainless steel appliances and a modern island seamlessly flow into the expansive great room, perfect for gatherings. Outside, the backyard beckons as a private oasis with an enclosed patio, open deck, privacy fencing, and ample amount of space.

    Stanley Mccall Rocket Realtors LLC

    203 Silverado Dr, Madison, AL 35758
  • /38

    $359,900

    $10K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,934 Sq Ft

    136 Canterbury Dr, Madison, AL 35758

    Enjoy easy single level living in one of Madison's most convenient locations. This beautifully maintained courtyard style home features an open layout with both a spacious Living Room and Family Room with gas log fireplace flowing seamlessly into the Kitchen. The private primary suite provides a peaceful retreat. Step outside to a beautifully landscaped low maintenance backyard featuring a stone

    Estelle Phillips Coldwell Banker First

    136 Canterbury Dr, Madison, AL 35758
  • /24

    $225,000

    • 3 Beds
    • 2 Baths
    • 1,324 Sq Ft

    12672 Hutchins Cir, Madison, AL 35756

    Welcome to this adorable home located on a spacious .6 acre lot in East Limestone! The open concept floor plan is perfect for entertaining, with vaulted ceilings and a designated dining room. A very nice sized primary bedroom features a large closet, and ensuite bathroom. Enjoy evening on the back deck overlooking the flat, fully fenced back yard.

    Alexis King KW Huntsville

    12672 Hutchins Cir, Madison, AL 35756
  • /50

    $1,284,999

    $15K PRICE DROP
    • 8 Beds
    • 5.5 Baths
    • 6,587 Sq Ft

    111 Fieldmaster Dr, Madison, AL 35758

    **$10,000 YOUR WAY** Rare 8-bedroom, 5-bath home in Foxfield, zoned for Bob Jones High School! This spacious 3-level home features high ceilings, a grand entryway, and a highly desirable layout perfect for large or multi-generational living. The fully finished walkout basement offers 3 bedrooms, a full kitchen, and private living space ideal for guests, in-laws, or added flexibility. Enjoy

    Rochon Hall Matt Curtis Real Estate, Inc.

    111 Fieldmaster Dr, Madison, AL 35758
  • /46

    $699,900

    • 5 Beds
    • 3.5 Baths
    • 3,783 Sq Ft

    51 Green Creek Rd, Madison, AL 35756

    Stunning Spacious Two Story Basement Home. Fenced backyard with Deck & Patio Privacy, Hardwood, Fireplace, Eat in Kitchen, Kitchen and Bath Granite, 5 Bedrooms 3.5 Baths. Storm Shelter and large storage areas in the Basement.

    Javis Kincaid Leading Edge Decatur

    51 Green Creek Rd, Madison, AL 35756
  • /48

    $639,000

    $11K PRICE DROP
    • 4 Beds
    • 4.5 Baths
    • 4,216 Sq Ft

    214 Maplebrook Dr, Madison, AL 35756

    New roof & water heater (2023) Come see this beautifully designed, full brick home! An open floorplan w/a XL kitchen & LVP in common areas, this home is built to suit all your needs. Tons of space to entertain: an oversized patio (partially covered), huge Bonus room w/a projector & screen, & lovely sunroom. All secondary bedrooms host walk-in closets, one has its own bath too! There’s over 300 SF

    Malette Felker Leading Edge, R.E. Group

    214 Maplebrook Dr, Madison, AL 35756
  • /37

    $190,000

    • 3 Beds
    • 2 Baths
    • 1,654 Sq Ft

    3300 Lakeland Dr, Madison, AL 35756

    Welcome to this beautiful 3-bedroom 2 bath home in Madison. Offering spacious, open concept layout this home features new carpet, fresh paint, a bright living area, and a kitchen perfect for gathering. The primary suite includes a bath and a walk-in closet, while the additional bedrooms provide flexibility for family, guests or home office. Enjoy relaxing or entertaining in the backyard, with

    Apryl Botto Engel & Volkers Madison

    3300 Lakeland Dr, Madison, AL 35756
  • /10

    $2,500,000

    • Land
    • 4.2 Acres
    • $595,238 per Acre

    30633 Highway 72, Madison, AL 35756

    Excellent unzoned acreage just 3 lots away from the NW corner of Hwy 72 and County Line Rd. Commercial, industrial, apartments, etc uses permitted. One block from the new Walmart Super Center (Colonial Promenade) and the new Kroger Shopping Center.

    Alex Mukai Avanti Realty Services LLC

    30633 Highway 72, Madison, AL 35756
  • /50

    $667,900

    New Construction
    • 4 Beds
    • 2.5 Baths
    • 2,410 Sq Ft

    210 Saint Louis St, Madison, AL 35758

    The Montevallo floor plan features luxury living space w/an elegant brick exterior, white columned entrance, & located on a larger curved lot! Walk through the front door to the main foyer passing a decorative dining room as you enter to an open living space. The modern gourmet kitchen features an oversize island & beautiful cabinetry, open to the family room & complete with a fireplace. Just off

    Katie Williams Capstone Realty

    210 Saint Louis St, Madison, AL 35758
  • /47

    $1,500,000

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

    1150 Balch Rd, Madison, AL 35757

    Discover a rare opportunity to own 5 beautiful acres in one of Madison’s most desirable growth corridors, just minutes from the thriving Clift Farm development. Offering the flexibility for residential or potential commercial use, this property combines space, convenience, and endless possibilities. The home features 3 bedrooms, 2.5 bathrooms, and a dedicated office, with abundant windows that

    William Stephens eXp Realty LLC

    1150 Balch Rd, Madison, AL 35757
  • /50

    $529,000

    • 4 Beds
    • 3.5 Baths
    • 2,800 Sq Ft

    221 Bridgefield Rd, Madison, AL 35758

    Welcome home to this stunning full-brick ranch in the highly sought-after Bob Jones High School/Midtown Elementary school district! Enjoy your own backyard retreat with a saltwater inground pool, covered patio, garden shed, vinyl privacy fence, and direct access to the neighborhood park via neighborhood sidewalks. Inside, you'll find wood floors and smooth ceilings throughout, an open floor plan

    Melissa Hotz Matt Curtis Real Estate, Inc.

    221 Bridgefield Rd, Madison, AL 35758
  • /35

    $348,000

    $2K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,212 Sq Ft

    100 Pebblebrook Cir, Madison, AL 35758

    Full brick 4 bedroom ranch in desirable Pebble Brook subdivision close to shopping, restaurants and top rated Madison City Schools! Neighborhood walkway leads directly to Discovery Middle School. New roof May 2026 plus fresh paint and new carpet throughout. Features include formal dining room, office and spacious living room with trey ceiling, wood burning fireplace and abundant natural light.

    Benjamin Waye Matt Curtis Real Estate, Inc.

    100 Pebblebrook Cir, Madison, AL 35758
  • /24

    $389,900

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

    13325 Callaway Dr, Madison, AL 35756

    Welcome to The Arbors! This full brick home blends timeless details with modern comfort, featuring decorative trim, crown molding with corner blocks, and LVP flooring throughout the main living areas. The kitchen offers granite counters, gas range, large pantry, and a spacious island. Enjoy a generous breakfast area opening to a large covered patio, plus a formal dining room with tray ceiling,

    TOMMY PRUETT Tommy Pruett Real Estate, Inc.

    13325 Callaway Dr, Madison, AL 35756
  • /2

    $298,900

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,567 Sq Ft

    13279 Gallop Quick Ct NW, Madison, AL 35756

    **Qualifies for 4.99% 2/1 GOV Buy Down AND up to $30,000 in Flex Cash with preferred lender for AUGUST CLOSING! **AS LOW AS 2.99 - 3.99 - 4.99 ** Presenting the Allex floorplan in Inverness Springs in Madison, AL. The Allex is a one-story single-family home floorplan with three bedrooms, two bathrooms, and an attached two car garage. This 1,561 square foot floorplan is thoughtfully designed to

    D.R. Horton Builder
    13279 Gallop Quick Ct NW, Madison, AL 35756
  • /49

    $750,000

    • 4 Beds
    • 3.5 Baths
    • 2,967 Sq Ft

    241 Farmhouse Dr, Madison, AL 35757

    One of a kind, better than new home located in the exciting Clift Farm Community! Offering comfort, versatility & style, from its charming courtyard entrance to a private green-space-view patio. One level living w/10' ceilings & hardwood floors throughout! The bright breakfast room flows into a beautifully designed kitchen boasting 42in cabinets w/pullout trays, soft-close doors, quartz island,

    Sean Ostrowski Market Group Real Estate

    241 Farmhouse Dr, Madison, AL 35757
  • /27

    $374,000

    Open Sat 1PM - 3PM $16K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,136 Sq Ft

    13390 Trumpet Dr, Madison, AL 35756

    This beautifully maintained home is packed with premium upgrades designed for comfort, safety, and peace of mind. Enjoy the security of an in-ground storm shelter, fresh interior paint, upgraded flooring, elegant granite countertops, and a new 2024 roof. Additional features include an energy-efficient tankless water heater and a security system with surveillance cameras. Situated on an oversized

    Jeffery Kirby MarMac Real Estate Huntsville

    13390 Trumpet Dr, Madison, AL 35756
  • /41

    $765,000

    New Construction
    • 4 Beds
    • 3.5 Baths
    • 3,468 Sq Ft

    109 Stenness Branch, Madison, AL 35756

    UNDER CONSTRUCTION - Photos of a similar plan! The Ballard Plan by Blue Rock Homes. Experience living well in the perfect blend of luxury and convenience. Step inside your new home to enjoy a top of the line kitchen, open concept plan, designer upgrade finishes like a massive tile shower and more. Experience life in Madison Branch - built with you in mind! Enjoy walkability to award-winning

    Nick Holman Holman Real Estate

    109 Stenness Branch, Madison, AL 35756
  • /38

    $529,000

    $70K PRICE DROP
    • 4 Beds
    • 3.5 Baths
    • 3,650 Sq Ft

    101 Misty Glen Dr, Madison, AL 35757

    Price Improvement!!! Misty Glen Drive 4 bedroom & 4 bathroom beautifully updated full-brick ranch-style home located on a desirable corner lot! This move-in ready home features stunning new hardwood floors throughout, fresh interior paint, and a spacious layout designed for comfortable everyday living. GE Profile Washer & Dryer and Refrigerator will remain with the home. Enjoy timeless curb

    Rodney Richardson CRYE-LEIKE REALTORS - Hsv

    101 Misty Glen Dr, Madison, AL 35757
  • /22

    $274,900

    • 2 Beds
    • 2.5 Baths
    • 1,696 Sq Ft

    138 Michli Rd, Madison, AL 35758

    NO HOA! Move-in ready 2BR/2.5BA home featuring two spacious primary-style suites, each with a private bath and walk-in closet. The main level offers attractive 3-, 5-, and 7-inch plank flooring, crown molding, a cozy wood-burning fireplace, and a bay window for abundant natural light. The updated kitchen includes granite countertops, stainless steel appliances, a 10-inch sink, and the

    Ronnie Harris EXIT Rocket City Realty

    138 Michli Rd, Madison, AL 35758
  • /45

    $469,000

    • 4 Beds
    • 3 Baths
    • 2,524 Sq Ft

    117 Saint Anne Rd, Madison, AL 35758

    Come home to this immaculate brick beauty, tucked away on a quiet cul-de-sac and zoned for Madison City Schools. Wood floors lead into the inviting vaulted living room, with gas fireplace creating the perfect setting for cozy evenings. Retreat to the main-floor primary suite. Use the spacious bonus room for movie nights, hobbies, play, or a home office. Step outside to relax, entertain, or play

    Jeffrey Christensen Capstone Realty

    117 Saint Anne Rd, Madison, AL 35758
  • /22

    $300,000

    • 3 Beds
    • 2 Baths
    • 1,700 Sq Ft

    2052 Madison Villas Way, Madison, AL 35758

    Nice one-level 3 bed/2 bath condo in The Villas at Madison. Open floor plan, isolated owner's suite, 2 car attached garage. Great location convenient to shopping, dining, walking trails & more ! HVAC in 2023, natural gas heat, gas water heater less than 5 years. This Low Maintenance community offers a clubhouse, pool and fitness room .HOA covers lawn care, exterior maintenance, roof, water,

    Patti Weaver Rosenblum Realty, Inc.

    2052 Madison Villas Way, Madison, AL 35758
  • /2

    $296,900

    New Construction $2K PRICE INCREASE
    • 3 Beds
    • 2 Baths
    • 1,561 Sq Ft

    13279 Gallop Quick Ct, Madison, AL 35756

    **Qualifies for 4.99% 2/1 GOV Buy Down AND up to $30,000 in Flex Cash with preferred lender for AUGUST CLOSING! **AS LOW AS 2.99 - 3.99 - 4.99 **The Allex is a one-story single-family home floorplan with three bedrooms, two bathrooms, and an attached two car garage. This 1,561 square foot floorplan is thoughtfully designed to maximize space and showcases an open concept floorplan with a

    Abel Genao DHI Realty

    13279 Gallop Quick Ct, Madison, AL 35756
  • /50

    $705,000

    • 3 Beds
    • 3 Baths
    • 3,381 Sq Ft

    8710 Boulder Brook Rd NW, Madison, AL 35756

    Just 2 YEARS OLD! Beautiful Custom Home in Olde Cobblestone with Interior High-end features include 10 ft & 11 ft Ceilings & Trays, 8'x4' Mahogany Front Door, 8 ft interior doors, 7" Crown molding, hardwood & quartz ctops throughout. Dining accented w/wainscotting, Study with 15' of built-ins, spacious Great Rm w/built-ins & gas FP, Bonus Rm/4th BR ideal for guests or entertainment complete w/wet

    Brenda Hinshaw Covington & Company, Inc.

    8710 Boulder Brook Rd NW, Madison, AL 35756
  • /29

    $359,000

    $6K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,263 Sq Ft

    159 Dartmouth Dr, Madison, AL 35757

    1% Lender credit up to $2500 with preferred lender! Don't miss this great opportunity to live in the desired Hunter's Crossing community. Spacious backyard with a new privacy fence, updated lvp flooring upstairs, large owner's retreat upstairs with 2 other bedrooms and a large bonus room. Upstairs laundry room. Downstairs you will love cooking and entertaining in your open kitchen, walk in

    Meghan Roden Capstone Realty LLC Huntsville

    159 Dartmouth Dr, Madison, AL 35757
  • /28

    $189,900

    $5K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,027 Sq Ft

    309 Waters Edge Ln Unit 8, Madison, AL 35758

    Completely updated and move-in ready! This beautifully refreshed upstairs condo features brand-new paint, new flooring throughout, stunning new granite countertops, and a recently replaced deck and stairs for added value and peace of mind. The open floor plan offers a living area with vaulted ceilings and a cozy fireplace. The primary suite and second bedroom provide comfortable living, while the

    Robert Lewis Matt Curtis Real Estate, Inc.

    309 Waters Edge Ln Unit 8, Madison, AL 35758
  • /35

    $295,900

    $34K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,570 Sq Ft

    219 Iron Wood Ct, Madison, AL 35758

    Location!! Location!!, this well maintained rancher offering 3 bedrooms, 2 baths, with a walk in shower in the second bath, large size kitchen with a separate eat in area, Laminate flooring in the living area for easy maintenance. Laundry room, 2 car garage, in a cul du sac for children playing outside's safety. located off Slaughter Road, convenient to Research park, Redstone Arsenal, and

    Anne Bush Zeriss Realty, LLC

    219 Iron Wood Ct, Madison, AL 35758
  • /33

    $608,850

    New Construction Open Sun 2PM - 5PM $4K PRICE INCREASE
    • 5 Beds
    • 4.5 Baths
    • 3,996 Sq Ft

    129 Bruce Dr, Madison, AL 35758

    Under Construction-Experience luxury in the Sarabell, a sprawling five-bedroom home designed for modern living. The main level features a gourmet kitchen and breakfast area that flows into a grand family room, plus a private office and formal dining space. Upstairs, the primary suite offers a dedicated sitting area and spa-like bath. Complete with a spacious loft, covered porches, and a three-car

    Scott Dudley VC Realty LLC

    129 Bruce Dr, Madison, AL 35758
  • /50

    $950,000

    • 6 Beds
    • 4.5 Baths
    • 5,739 Sq Ft

    10638 Rosa Ln, Madison, AL 35756

    Discover one of Madison's hidden gems, tucked away on a peaceful cul-de-sac where mature trees & beautiful landscaping create a warm welcome home. This custom 6BR/5BA offers thoughtfully designed living spaces plus 650 sq ft of heated & cooled unfinished space ready for your vision. Formal dining, living/study and vaulted great room w/built-ins & fireplace flows into a chef's kitchen w/wrap

    Robin Graham Capstone Realty

    10638 Rosa Ln, Madison, AL 35756
  • /32

    $220,000

    • 3 Beds
    • 2 Baths
    • 1,189 Sq Ft

    115 Oakline Dr, Madison, AL 35757

    Open floorplan in quiet neighborhood. 3 bedroom, 2 bath 1 car garage. 10 ft ceilings in living room, new paint, carpet, & LVP. Fenced yard. All Appliance remain. Professional photos coming soon!

    Diane Land Re/Max Distinctive

    115 Oakline Dr, Madison, AL 35757
  • /38

    $299,900

    $15K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,906 Sq Ft

    1804 Rushing Wood Dr NW, Madison, AL 35757

    Fabulous 3-bedroom, 2.5 bath home you'll will fall in love with. Enjoy dramatic grand vaulted ceiling in the living room. Main-level living master suite with 2. walk-in closets plus 2 additional bedrooms and loft upstairs. Features include a beautiful wrought iron staircase, granite countertops in the kitchen and baths, an and open floor plan downstairs. You'll love the all season sunroom and

    Amy McAbee (MacDonald) Dorsett Group Realty

    1804 Rushing Wood Dr NW, Madison, AL 35757

Showing Results 561 - 600, Page 15 of 18

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