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Homes for Sale near Memphis Rise Academy

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  • /40

    $624,900

    • 5 Beds
    • 5 Baths
    • 4,800+ Sq Ft

    4309 Garner Place, Bartlett, TN 38135

    Inviting Bartlett home on 2 acres, beautiful wooded front yard and wrap around front porch. Semi detached InLaw apartment for multigenerational living, work from home or grown kids - bedroom, living room, kitchen, bathroom and laundry room! Inside the main home you will find a huge kitchen with perfect window views of the backyard over the triple bowl sink. Custom Shirestone countertops and so

    Hannah Smith Enterprise, REALTORS

    4309 Garner Place, Bartlett, TN 38135
  • /40

    $614,900

    • 3 Beds
    • 2.5 Baths
    • 3,000+ Sq Ft

    19 E Yates Rd S, Memphis, TN 38120

    Stunning MidCentury Home in East Memphis off Walnut Grove. Over $300k of updates inside and out maintaining its beautiful 1960s aesthetic. Chef's kitchen opens to great room with 12 foot peninsula, Tranquility Gold Quartz countertops, Marble backsplash with brass inlay, Wolf 36" gas cooktop, Wolf double oven and warming drawer, integrated lighting in cabinets and toe kick lighting on the

    Hannah Smith Enterprise, REALTORS

    19 E Yates Rd S, Memphis, TN 38120
  • /17

    $159,900

    • 2 Beds
    • 1 Bath
    • 800+ Sq Ft

    2281 Belin Dr, Memphis, TN 38133

    Absolutely Adorable! ~MOVE-IN READY!! Renovations and lots of recent updates within the last few years. Perfect fit for 1st time homebuyers, Downsizers, Investors or individuals seeking a convenient, hassle-free living situation. Kitchen updated: new countertops and cabinetry, newer Stainless steel refrigerator & stove will stay. Bathroom renovated including new Bath Fitters tub with handicap

    LaJuana Miller KAIZEN Realty, LLC

    2281 Belin Dr, Memphis, TN 38133
  • /30

    $500,000

    • 3 Beds
    • 2.5 Baths
    • 2,800+ Sq Ft

    219 N Rose Rd, Memphis, TN 38117

    Discover modern elegance in East Memphis’ coveted Pidgeon Estates. This one-story, 3BR/2.5BA home blends style with functionality. Step inside a gracious tiled entry leading to spacious living areas with crown molding, arched transitions & abundant natural light. Entertain in the formal dining room with hardwood floors and chandelier, or cook in the updated eat-in kitchen with decorative tile

    Melissa Blume Thompson eXp Realty

    219 N Rose Rd, Memphis, TN 38117
  • /40

    $249,000

    • 3 Beds
    • 1.5 Baths
    • 1,400+ Sq Ft

    3956 Laurelhill Ln, Memphis, TN 38135

    Great starter home and well established neighborhood with three bedrooms and two full bathrooms one block from Ellendale elementary. Built in 1976 and still in good condition. The roof was replaced in 2024, new heater furnace was installed in 2021 and hot water heater still in good condition. The furnace and roof are still under warranty. The house has a cozy wood burning fireplace, great for

    Christopher Stjernholm Trelora Realty

    3956 Laurelhill Ln, Memphis, TN 38135
  • /40

    $755,000

    • 6 Beds
    • 4.5 Baths
    • 6,200+ Sq Ft

    3887 N Lakewood Dr, Memphis, TN 38128

    Turnkey Investment or Lifestyle Property – This beautifully maintained 6 bedroom + Loft + Bonus Room, 4.1 bathrooms home is currently operated as a short-term rental and offers multiple income opportunities. Features include New In ground pool, modern kitchen, spacious living areas, serene 1.49 acre lot. Perfect as an investment property or primary residence. Buyer to verify all local

    Rachel Gilliam Crye-Leike, Inc., REALTORS

    3887 N Lakewood Dr, Memphis, TN 38128
  • /33

    $222,000

    • 2 Beds
    • 2 Baths
    • 1,600+ Sq Ft

    455 S Perkins Rd Unit 3, Memphis, TN 38117

    BEST BUY IN TOWN!!! Maintenance-free living in this gated community in prime East Memphis. All on one level AND an end unit! This gorgeous condo offers 2 large bedrooms, 2 full baths, and 10 closets. The Living room, Dining room and separate Den (or office) are located adjacent to the kitchen for perfect flow! Enjoy beautiful and timeless features including wood laminate floors, granite

    Kim Jones Faith Management & Realty Grou

    455 S Perkins Rd Unit 3, Memphis, TN 38117
  • /37

    $895,000

    • 5 Beds
    • 4.5 Baths
    • 4,200+ Sq Ft

    4237 Boxwood Green Ln, Memphis, TN 38117

    4237 Boxwood Green,a stunning residence in the highly sought-after gated Boxwood Green in East Memphis (does not back to Poplar). Pup-friendly fenced backyard.Built in 2013,this 5-bedroom (2 BR DOWN!) 4.5-bath home was designed by Doug Enoch and offers just over 4,300 sq.ft. of thoughtfully designed living space. The professional-style kitchen is a chef’s dream,featuring a scullery, double

    Jennifer Williams Hobson, REALTORS

    4237 Boxwood Green Ln, Memphis, TN 38117
  • /25

    $234,800

    • 3 Beds
    • 2 Baths
    • 1,200+ Sq Ft

    7183 Polder Dr, Memphis, TN 38133

    Welcome to 7183 Polder Drive, a beautifully renovated home offering style, comfort, and modern convenience. Just under 1,300 square feet, this 3-bedroom, 2-bath residence features a thoughtful layout highlighted by a primary suite with its own en-suite bath. Inside, you’ll find a completely renovated interior with fresh paint, luxury vinyl tile flooring, a sleek new kitchen boasting quartz

    Jennifer Williams Hobson, REALTORS

    7183 Polder Dr, Memphis, TN 38133
  • /33

    $435,000

    • 4 Beds
    • 2.5 Baths
    • 2,200+ Sq Ft

    7247 Winterbrook Ln, Cordova, TN 38018

    Stunning 2024-Built Home in Private Gated Community! Located adjacent to the Greenline and Shelby Farms, this beautifully crafted home offers luxury living in a serene, secure setting—with only county taxes and no city taxes! Step inside to an open floor plan featuring vaulted ceilings, a sleek linear fireplace, elegant plantation shutters, and abundant natural light throughout. The modern

    Melanie Bell Main Street, REALTORS

    7247 Winterbrook Ln, Cordova, TN 38018
  • /40

    $375,000

    • 3 Beds
    • 2 Baths
    • 1,800+ Sq Ft

    209 Leonora Dr, Memphis, TN 38117

    Charming updated home in the heart of Normandy Meadows! Wonderful flexible floor plan! 3 Bedrooms, 2 full baths, gorgeous hardwood, spacious kitchen. 2 large living areas! Fantastic backyard with lots of play or entertaining area. Gate and double carport- new driveway and patio area! Irrigation system. Richland and White Station schools. Very convenient location and sought after street! This

    Kathleen Sampson Coldwell Banker Collins-Maury

    209 Leonora Dr, Memphis, TN 38117
  • /40

    $1,299,995

    • 7 Beds
    • 6.5 Baths
    • 6,400+ Sq Ft

    5690 Walnut Grove Rd, Memphis, TN 38120

    New built 7 bedroom 6.5 bath house. Every bedroom has its own private full bath. Approx 6700 SQ feet..open floor plan. Great house for someone with a large family. A must see. House was built French style. Easy maintenance. Great tile work through out the home. if any questions or requests please email or call

    Christopher Stjernholm Trelora Realty

    5690 Walnut Grove Rd, Memphis, TN 38120
  • /14

    $129,900

    • 3 Beds
    • 1.5 Baths
    • 1,200+ Sq Ft

    4040 Windermere Rd, Memphis, TN 38128

    Newly Renovated Property! Great opportunity for an investor or homebuyer! The property is currently unoccupied and readily available for viewing. This property is currently being professionally managed by Reedy and Company. Whether you're an owner-occupant or investor, this opportunity is open to you. No wholesale or creative financing offers.

    Mark Hart Reedy & Company, REALTORS

    4040 Windermere Rd, Memphis, TN 38128
  • /15

    $220,000

    • 3 Beds
    • 2 Baths
    • 1,800+ Sq Ft

    6969 Tulip Trail Dr, Memphis, TN 38133

    Fantastic home and ready for a new family! NEW carpet and tile throughout with fresh paint. Neutral colors and a blank palette, ready for your own personal touches. Big, fenced backyard, low maintenance! Easy to show and easy to view! Let's make this your new home today!

    Ryan Woolbright Premier Realty Group, LLC

    6969 Tulip Trail Dr, Memphis, TN 38133
  • /26

    $290,000

    • 4 Beds
    • 2.5 Baths
    • 2,600+ Sq Ft

    6321 Ashton Rd, Memphis, TN 38134

    Step into this charming 2-story, 4-bedroom plus bonus room, 2.5-bathroom family home, perfect for creating lasting memories! Featuring a beautifully landscaped yard that offers both beauty and privacy, this home is truly a retreat. Inside, you'll find a modern, updated kitchen with new 42inch cabinets and a stylish backsplash that adds a touch of cuteness to your cooking space and the windows are

    Chinna Prude-Anderson C21 Patterson & Assoc. Real Es

    6321 Ashton Rd, Memphis, TN 38134
  • /24

    $278,000

    • 3 Beds
    • 2 Baths
    • 1,400+ Sq Ft

    6371 Briergate Dr, Memphis, TN 38134

    New Price: $278,000! Sellers are ready to downsize and travel — bring an offer! Welcome to this charming 3-bedroom, 2-bath home located in the highly sought-after Bartlett area — all under $300K! Lovingly owned and maintained by the same family for 25 years, this home is loaded with updates and move-in ready. Inside, you’ll find an updated kitchen featuring granite countertops, subway tile

    Sarah King Crye-Leike, Inc., REALTORS

    6371 Briergate Dr, Memphis, TN 38134
  • /22

    $225,850

    • 3 Beds
    • 2.5 Baths
    • 1,600+ Sq Ft

    4480 Tanbark Ave, Memphis, TN 38128

    GREAT LOCATION, GREAT HOME AND WELL MAINTAINED. (APPROX.) 5 MIN. FROM INTERSTATE I 40 AND APPROX. 5 MIN FROM THE NEW POLICE PRECINCT ON AUSTIN PEAY. BEAUTIFUL 3 BR., SEP. DEN WITH FIREPLACE, SEP. LIV. ROOM & DIN. ROOM, LARGE EAT-IN KIT., 2 & 1/2 BA., 1/2 BA. OFF KIT. AND LAUNDRY ROOM FOR YOUR QUEST. LARGE 2 CAR GARAGE, APPROX. 20X12 STORAGE BUILDING IN BACK YARD AND COVERED PATIO. CALL NOW FOR

    Helen Jackson Good Shepherds Realty & Invest

    4480 Tanbark Ave, Memphis, TN 38128
  • /14

    $149,900

    • 3 Beds
    • 2 Baths
    • 1,400+ Sq Ft

    4100 Hitchcock Dr, Memphis, TN 38128

    Step into a beautiful renewed home that is ready for your next chapter. Nestled on a quiet, established street, this three-bedroom, two-bath home welcomes you with freshly painted walls that brighten every room. The layout has been smoothed out with fresh new carpet and luxury vinyl flooring throughout. Step outside to discover a generously sized driveway and an attached garage—room enough for

    Joseph Herrera Premier Realty Group, LLC

    4100 Hitchcock Dr, Memphis, TN 38128
  • /25

    $239,000

    • 2 Beds
    • 2 Baths
    • 1,600+ Sq Ft

    1970 Court St, Bartlett, TN 38134

    An incredible opportunity to live just blocks from Overton Square! This warm and inviting bungalow has generous living space and a perfect backyard for pups. Live your ideal midtown life, or if you're an investor, rent to great tenants for a premium. Perfect for anyone wanting to live close to the Medical District. Book your appointment today!

    Corey Steinberg River City Land Co., LLC

    1970 Court St, Bartlett, TN 38134
  • /28

    $239,900

    • 4 Beds
    • 2 Baths
    • 1,600+ Sq Ft

    7153 Tulip Trail Dr, Memphis, TN 38133

    This stunning 4-bedroom home offers the perfect balance of style and function. Step inside to soaring vaulted ceilings with exposed beams, a cozy brick fireplace, updated lighting, and gorgeous wood-look tile flooring throughout. The open-concept kitchen is a showstopper with granite countertops, custom soft-close cabinets with pull-out drawers and built-in organizers, plus a large breakfast bar

    Christine Lundy Key Connect Group, LLC

    7153 Tulip Trail Dr, Memphis, TN 38133
  • /33

    $300,000

    • 3 Beds
    • 3 Baths
    • 3,400+ Sq Ft

    7723 Reese Rd, Memphis, TN 38133

    **Great Investment Opportunity!** This home is approximately 3500 sq ft on a 1 acre lot & is about 80% complete, offering an excellent head start for investors, remodelers, or flippers. With 3 bedrooms, including a primary suite on the main level, the layout provides desirable living space and strong resale or rental potential. Much of the heavy lifting has already been done—bring your vision to

    Dustin Benetz Emmett Baird Realty, LLC

    7723 Reese Rd, Memphis, TN 38133
  • /30

    $325,000

    • 3 Beds
    • 2 Baths
    • 1,800+ Sq Ft

    446 Rosser Rd, Memphis, TN 38120

    Absolutely charming East Memphis home on a quiet street! Sellers have transformed the main level by opening the kitchen to the living areas and adding cedar beams plus a stunning handmade live-edge countertop. Freshly refinished hardwoods flow throughout, giving the home a warm, updated feel. You’ll love the flexible floor plan with a separate living room, den, dining room, and office—plenty of

    Michelle Creamer Groome & Co.

    446 Rosser Rd, Memphis, TN 38120
  • /34

    $259,000

    • 4 Beds
    • 2 Baths
    • 1,800+ Sq Ft

    458 Gerald Rd, Memphis, TN 38122

    Welcome to this beautiful home located in High Point Terrace. This residence features four spacious bedrooms and two full baths, complemented by a generous living and dining room combination. A notable highlight is the cozy office nook off the living room, which includes a discreet Murphy door, providing added privacy for your work or study needs. The separate den is perfect for entertaining and

    Bryant Smith The Professional Agency

    458 Gerald Rd, Memphis, TN 38122
  • /3

    $269,900

    • 4 Beds
    • 2 Baths

    3025 Waynoka Ave, Memphis, TN 38111

    New Construction Duplex Opportunity in 38111! Don’t miss your chance to own a brand-new duplex just about a month away from completion! Each unit features 2 bedrooms and 1 bathroom. Projected MHA rental income is $1,100–$1,300 per side, offering strong cash flow potential in a high-demand area. Located only about two miles from the University of Memphis, shopping, and public transit, this is a

    Joshua Moss KAIZEN Realty, LLC

    3025 Waynoka Ave, Memphis, TN 38111
  • /35

    $324,900

    • 2 Beds
    • 2 Baths
    • 1,400+ Sq Ft

    405 S Perkins Rd Unit 430, Memphis, TN 38117

    Rarely available top-floor unit! Vacant, easy to show, Motivated Seller. The Terraces at Laurelwood w/Renovated Baths! Totally secure, quiet, convenient AND on the 4th floor with no neighbors above you! Great mix of owners - from retired to younger who want security or lock and leave! The 4 story Lobby/Atrium will set the initial tone and walking into this particular unit will enhance your

    Sheldon Rosengarten Marx-Bensdorf, REALTORS

    405 S Perkins Rd Unit 430, Memphis, TN 38117
  • /26

    $489,000

    • 4 Beds
    • 3 Baths
    • 2,400+ Sq Ft

    416 Elwood Ln, Memphis, TN 38117

    Incredible renovation with a truly wonderful kitchen! Open design meets lovely views and glowing hardwood floors. The rear garden is easy, the home boasts two bedrooms down and two bedroom up, a perfect plan for most any family!

    David Da Ponte Sowell, Realtors

    416 Elwood Ln, Memphis, TN 38117
  • /34

    $230,000

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

    3936 Timberwood Dr, Memphis, TN 38128

    Planned new construction by a reputable local builder with 20+ years of experience. The LAURENTIUS plan offers 4 bedrooms, 2 full baths, and 1,340 Heated SqFt on a single level with a 1-car carport on the right and a slab foundation. Modern floor plan with brand new kitchen and baths, LVP flooring, and contemporary fixtures and hardware. 30-year architectural roof shingles and central HVAC

    Tomo Oblak BEST Real Estate Company

    3936 Timberwood Dr, Memphis, TN 38128
  • /4

    $130,000

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

    2205 Oldfield Dr, Memphis, TN 38134

    Investors only! This property is fully rented, 100% occupied. It is a 2bed 2bath rented at $1075/mo. Do not approach or disturb tenants. No showings without an accepted offer. Seller is also selling 1580/1582 Marjorie ($100k), and 1623/1625 Galveston ($130k). This could be an excellent addition to your portfolio. Seller will only review cash or conventional offers only (no wholesalers, no

    Tyler Tapley Crye-Leike, Inc., REALTORS

    2205 Oldfield Dr, Memphis, TN 38134
  • /37

    $448,900

    • 3 Beds
    • 2.5 Baths
    • 2,400+ Sq Ft

    5504 Normandy Rd, Memphis, TN 38120

    Seller offering up to $19,000 towards buyer's buy down of rate with acceptable offer. Move-in-ready home in one of East Memphis desirable neighborhoods & located within White Station Elementary/Middle/High School zones and walking distance to Richland Elementary, this 3-bedroom, 2.5-bath, 2,405sqft home combines modern updates, timeless character, and prime location just minutes from shopping,

    LouAnne Crump Crye-Leike, Inc., REALTORS

    5504 Normandy Rd, Memphis, TN 38120
  • /38

    $599,000

    • 4 Beds
    • 2.5 Baths
    • 4,000+ Sq Ft

    50 Grove Creek Place, Memphis, TN 38117

    Beautifully renovated family home on a private cove off Walnut Grove in a prime East Memphis location! This lovely custom home features a newly renovated chef's kitchen complete with granite countertops & stainless steel appliances, large vaulted great room with a gas fireplace, spacious primary suite w/ walk in closet, fabulous brick floors, a wet bar, a light and bright sunroom overlooking a

    Morgan Ray Ware Jones, REALTORS

    50 Grove Creek Place, Memphis, TN 38117
  • /40

    $355,000

    • 4 Beds
    • 3 Baths
    • 3,600+ Sq Ft

    3885 Lakemont Dr, Memphis, TN 38128

    This meticulously well-maintained lakefront split-level residence offers 4 bedrooms, 3 bathrooms, a sunroom, media room/study/ bedroom, a finished basement, expansive eat-in kitchen, updated kitchen appliances, new roof, open loft area, additional desirable features, abundant natural light, stunning backyard oasis ideal for both entertaining and relaxation, and a fully stocked lake. SOLD AS IS.

    LaToia Kimble Crye-Leike, Inc., REALTORS

    3885 Lakemont Dr, Memphis, TN 38128
  • /13

    $150,000

    • 3 Beds
    • 1 Bath
    • 1,200+ Sq Ft

    4285 Fairmont Ave, Memphis, TN 38108

    Charming 3 bed 1 bath home in the heart of Berclair. Recently renovated with hardwood floors, a bright front living room, open dining/kitchen area, and a spacious back den with fireplace. Includes laundry room, three large bedrooms, and rare two-car detached garage with shop plus a one-car carport. Great starter or investment property. Currently rented, do not disturb tenants. Offers must be

    Cesar Lara Fast Track Realty, LLC

    4285 Fairmont Ave, Memphis, TN 38108
  • /4

    $218,512

    • Land
    • 1.32 Acres
    • $165,539 per Acre

    0 Bartlett Blvd Unit 10203763, Bartlett, TN 38134

    Unlock the future in Bartlett! Centrally located CG-MS commercial land offering unparalleled growth potential for medical, office, or commercial development. Perfect site for investors ready to capitalize on the city’s booming market. High visibility, prime central location, and unlimited growth potential — ideal for medical offices, professional buildings, or commercial ventures. A true

    Sasmita Kar Keller Williams

    0 Bartlett Blvd Unit 10203763, Bartlett, TN 38134
  • /38

    $789,000

    • 5 Beds
    • 4 Baths
    • 3,800+ Sq Ft

    3845 Cardinal Ave, Memphis, TN 38111

    Luxury meets lifestyle in sought-after High Point Terrace at 3845 Cardinal Ave, Memphis, TN 38111—adjacent to Hedgemoor and close to Galloway Golf Course, High Point Grocery, and the Greenline. This rare newer build offers 5 bedrooms, 4 baths, 2 bedrooms/2 baths down and 3 more upstairs, plus a massive bonus room with wet bar & beverage cooler. Chef’s kitchen & all baths feature Carrara marble,

    Stacia Rosatti Crye-Leike, Inc., REALTORS

    3845 Cardinal Ave, Memphis, TN 38111
  • /30

    $387,500

    • 4 Beds
    • 3 Baths
    • 2,200+ Sq Ft

    7410 Appling Rain Dr, Cordova, TN 38016

    Welcome Home! This beauty is located in a gated community offering 4 bedrooms and 3 full baths—or 3 bedrooms with a spacious bonus room. With soaring ceilings, abundant natural light, and an open floor plan designed for modern living, this home is equal parts stylish and comfortable. The gourmet kitchen and inviting living spaces flow seamlessly, perfect for gatherings big or small. Step onto the

    Katrina Grubb The Firm

    7410 Appling Rain Dr, Cordova, TN 38016
  • /19

    $235,000

    • 3 Beds
    • 2 Baths
    • 1,600+ Sq Ft

    5292 Pipers Gap Cove, Memphis, TN 38134

    Seller is offering $6k towards closing costs. This spacious and well-maintained home features a welcoming entryway that leads into an open-concept living room, den with a cozy wood-burning stove, and a dining area. Offering 3 bedrooms and 2 bathrooms, this home also includes a sunroom, and patio ideal for outdoor gatherings, and a garage for storage or workspace. Enjoy privacy in the fenced

    Horace Profit 4 Success Realty, LLC

    5292 Pipers Gap Cove, Memphis, TN 38134
  • /20

    $275,000

    • 3 Beds
    • 1 Bath
    • 1,400+ Sq Ft

    4079 Philwood Ave, Memphis, TN 38122

    HIDDEN GEM in sought after High Point Terrace, all the bells and whistles!! Charm galore from all the pretty wood floors to the professionally UPDATED kitchen, smooth ceilings and recessed lighting. ALL APPLIANCES including fridge, microwave, washer and dryer, all newer! Flexible floorplan allows for HUGE playroom or a separate BR suite as this room/Bedroom has a huge walk-in closet with its own

    Janet Pace Heritage Homes Co.

    4079 Philwood Ave, Memphis, TN 38122
  • /27

    $294,000

    • 4 Beds
    • 3 Baths
    • 2,600+ Sq Ft

    3021 Whitney Ave, Memphis, TN 38128

    Upscale Update! Everything has been done so you can MOVE RIGHT IN! The Baths are all updated and the Primary Bath will knock your sox off! Kitchen w/22 Cabinets, Pantry, GE Profile range and Convection oven! Custom Deck overlooks park-like rear grounds. 19x13 4th BR or Playroom! Walk-in Expandable Attic!

    Elizabeth Amodeo Marx-Bensdorf, REALTORS

    3021 Whitney Ave, Memphis, TN 38128
  • /24

    $294,900

    • 3 Beds
    • 2 Baths
    • 1,400+ Sq Ft

    296 N White Station Rd, Memphis, TN 38117

    Price Improvement! Charming East Memphis Traditional on 1⁄2 Acre Lot! Prime East Memphis location in the Richland/White Station school district. This classic brick home features numerous updates, including a 2023 roof and a spacious kitchen with quartz countertops and eat-in area. Hardwood floors throughout. Custom plantation shutters in windows across front of house. Enjoy outdoor living with a

    Halle Whitlock Oak Grove Realty, LLC

    296 N White Station Rd, Memphis, TN 38117
  • /30

    $309,900

    • 3 Beds
    • 2.5 Baths
    • 1,600+ Sq Ft

    4985 Chickasaw Rd, Memphis, TN 38117

    Beautiful 3 bedroom 2.5 bath home with stunningly renovated kitchen-All new cabinets, Quartz countertops, lighting, and slate appliances. Shared full and half bath completely renovated as well. The Massive great room has a painted brick fireplace as a lovely focal point, with new tile floors, and built ins. Separate spacious laundry room. Custom shades throughout the house. Covered carport with

    Samuel Sloane Home River

    4985 Chickasaw Rd, Memphis, TN 38117

Showing Results 321 - 360, Page 9 of 16

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