609

Homes for Sale near Montgomery Christian Academy

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  • /50

    $371,410 New Construction

    • 4 Beds
    • 3.5 Baths
    • 2,425 Sq Ft

    125 Bay Bridge Ct, Montgomery, TX 77316

    Brand new, energy-efficient home available by May 2025! Step your family’s game nights up in the Pioneer’s impressive second floor game room. Downstairs, the main level primary suite offers privacy from the other bedrooms and features dual sinks and large walk-in closet. Located in Conroe off SH-105, Pine Lake Cove is just minutes from Lake Conroe. The community is zoned in the sought-after

    Patrick Mcgrath Meritage Homes Realty

    125 Bay Bridge Ct, Montgomery, TX 77316
  • /6

    $795,000 New Construction

    • 4 Beds
    • 5.5 Baths
    • 3,469 Sq Ft

    24909 Hopeview Way, Montgomery, TX 77356

    Brand new construction by Level TX Builders on an acre in Chapel Bend! This spectacular one story home features a stone and stucco exterior, dual entry doors, black framed windows, gorgeous wood floors, designer light fixtures and an open concept floor plan. The sleek and functional kitchen with GE Cafe stainless appliances, double oven, gas cooktop with plastered vent hood, soft close cabinetry

    Mike Seder eXp Realty LLC

    24909 Hopeview Way, Montgomery, TX 77356
  • /6

    $430,000 New Construction

    • 3 Beds
    • 2.5 Baths
    • 2,010 Sq Ft

    3515 Country Club Blvd, Montgomery, TX 77356

    Absolutely stunning craftsman style home on a prime golf course lot in beautiful Walden on Lake Conroe. This 3 bedroom 2.5 bath home features custom lighting and wood tile flooring throughout. Gorgeous kitchen with Quartz countertops, custom white cabinets, stainless steel appliances including refrigerator, breakfast bar, and corner walk-in pantry. Private primary suite downstairs with double

    Jon Kraft Keller Williams Realty The Woodlands

    3515 Country Club Blvd, Montgomery, TX 77356
  • /12

    $209,900 Open Sun 10AM - 6PM

    • 3 Beds
    • 2.5 Baths
    • 1,225 Sq Ft

    16995 E Alderson, Montgomery, TX 77316

    A Work of Art – The Picasso by ICONIQ Homes! Do Not Miss The Picasso, a stunning, modern 2-story, 3-bedroom, 2.5-bathroom home, designed to turn heads. From the moment you arrive, The Picasso sets itself apart—bold lines, unique architecture, and striking curb appeal make it a one-of-a-kind home that refuses to blend in. Inside, the open-concept layout offers effortless flow between the living

    Judith Hayes Iconiq Homes Realty LLC

    16995 E Alderson, Montgomery, TX 77316
  • /26

    $301,290 New Construction

    • 3 Beds
    • 2 Baths
    • 1,688 Sq Ft

    17921 Stone Terrace Ct, Conroe, TX 77356

    Brand new, energy-efficient home available by Jun 2025! Stock up on everyone's favorites with plenty of room in the walk-in pantry. White cabinets with cotton white granite countertops, brown tone EVP flooring with multi-tone carpet. Located in Conroe off SH-105, Pine Lake Cove is just minutes from Lake Conroe. The community is zoned in the sought-after Montgomery ISD and is near parks and

    Patrick Mcgrath Meritage Homes Realty

    17921 Stone Terrace Ct, Conroe, TX 77356
  • /47

    $459,000 New Construction

    • 4 Beds
    • 3 Baths
    • 2,250 Sq Ft

    227 April Waters Dr W, Conroe, TX 77356

    Welcome to April Sound, a peaceful, gated community nestled along the scenic southern shore of Lake Conroe, just 20 miles north of Houston. Here, you’ll find a stunning new construction home featuring 4 bed/3 bath and a welcoming front porch. Step inside to experience the beauty of high ceilings, an open-concept kitchen, living, and dining area filled with natural light pouring in through large

    Wilmer Zamora Pursuit Realty Tex

    227 April Waters Dr W, Conroe, TX 77356
  • /15

    $474,900 Open Sun 12PM - 7PM

    • 4 Beds
    • 3.5 Baths
    • 2,493 Sq Ft

    41446 Threadgill Way, Montgomery, TX 77363

    READY FOR MOVE-IN! Entry welcomes with 12-foot ceiling. Game room with French doors and 12-foot ceiling off extended entry. Kitchen and dining area open to spacious family room with a wood mantel fireplace and wall of windows. Kitchen hosts inviting island with built-in seating space and 5-burner gas cooktop. Primary suite includes bedroom with 12-foot ceiling. Double doors lead to primary bath

    Lee Jones Perry Homes Realty, LLC

    41446 Threadgill Way, Montgomery, TX 77363
  • /15

    $234,990 New Construction

    • 3 Beds
    • 2 Baths
    • 1,204 Sq Ft

    603 Amber Falls Dr, Montgomery, TX 77356

    Ready in June. Welcome home to the Adams by Centex at Montgomery Bend in beautiful Montgomery, TX! This stunning 3-bedroom home from Centex Homes offers just over 1,200 square feet of style, comfort, and modern convenience. The open floor plan connects the living, dining, and kitchen areas seamlessly. The chef-inspired kitchen boasts sleek appliances, 36” white cabinetry in a large eat in

    Jimmy Franklin Pulte Homes

    603 Amber Falls Dr, Montgomery, TX 77356
  • /7

    $1,199,950 New Construction

    • 4 Beds
    • 4.5 Baths
    • 4,236 Sq Ft

    109 Bentwood Meadow Ln, Montgomery, TX 77356

    New Partners in Building home in the thriving Bentwood Farms community, in Montgomery, TX. Exquisite residence with luxury features and custom design elements. Enter foyer to an elegant study, for work or quiet reflection. Stunning island kitchen, ideal for culinary enthusiasts, flows into a formal dining area. Spacious media room and game room, which offers direct access to a covered patio.

    Wesley Bryant Partners in Building LP

    109 Bentwood Meadow Ln, Montgomery, TX 77356
  • /16

    $462,182 New Construction

    • 5 Beds
    • 3 Baths
    • 2,338 Sq Ft

    293 Peninsula Point Dr, Montgomery, TX 77356

    Beyond the impressive gates of Waterstone on Lake Conroe, discover the charming Captiva II. This 5-bedroom, 3-bath home offers a 2-car garage, elegant wood look tile floors, wrought iron stair parts, and a cozy fireplace. The inviting dining room sits just off the two-story foyer, leading to a bright kitchen with a sunlit breakfast area and views of the covered back porch—perfect for relaxing.

    Teri Walter K. Hovnanian Homes

    293 Peninsula Point Dr, Montgomery, TX 77356
  • /15

    $329,990 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,353 Sq Ft

    552 Ruby Bend Ln, Montgomery, TX 77356

    Ready in March. Come see our Idalou plan by Pulte Homes! It is an impressive home from the moment you drive up to the home. The hill country elevation is very warm and inviting. It offers a chef's kitchen with built-in appliances and plenty of room for gatherings. A game room and a study are included with the home. Visit our amenities pool and playground!

    Jimmy Franklin Pulte Homes

    552 Ruby Bend Ln, Montgomery, TX 77356
  • /28

    $319,990 Open Sun 12PM - 4PM

    • 4 Beds
    • 2.5 Baths
    • 2,353 Sq Ft

    126 Longhorn Run Dr, Montgomery, TX 77356

    Ready in March. The Idalou plan by Pulte Homes is a beautiful home with lots of space for family time. It includes a study, a game room, and a covered patio. The back patio overlooks the hill of Montgomery, TX. We are zoned to Montgomery ISD and have a lower tax rate. We offer a pool, playground, and a pavilion for events. Come see us today!

    Jimmy Franklin Pulte Homes

    126 Longhorn Run Dr, Montgomery, TX 77356
  • /27

    $334,990 New Construction

    • 4 Beds
    • 3.5 Baths
    • 2,378 Sq Ft

    535 Ruby Bend Ln, Montgomery, TX 77356

    Move-in ready. The Jayton plan features a front porch and an all-brick exterior. The entrance has an enclosed study leading into the open-concept home. There is a large game room upstairs for TV or playing games. Enjoy your evening sitting on your covered back patio and a spacious backyard.

    Jimmy Franklin Pulte Homes

    535 Ruby Bend Ln, Montgomery, TX 77356
  • /15

    $309,990 New Construction

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

    3626 Spy Glass Hill Dr, Montgomery, TX 77356

    Discover refined, low-maintenance living in this beautifully designed 3-bedroom, 2.5-bath patio home in the prestigious Walden on Lake Conroe community. Perfect for those seeking comfort and convenience, this spacious two-story offers a “lock-and-leave” lifestyle with minimal upkeep. Enjoy an open-concept layout with soaring ceilings, abundant light, and luxury finishes. The gourmet kitchen

    Brad Tiffan Legend Home Corporation

    3626 Spy Glass Hill Dr, Montgomery, TX 77356
  • /17

    $778,490 New Construction

    • 5 Beds
    • 5.5 Baths
    • 4,359 Sq Ft

    227 Catahoula Ct, Montgomery, TX 77356

    MLS# 25820774 - Built by Highland Homes - August completion! ~ This stunning 5-bedroom, 5.5-bathroom home in the highly sought-after Briarley subdivision offers luxury living just minutes from Lake Conroe. With over 4,800 sqft of elegant space, this lakefront property features soaring 20’ ceilings, a spacious kitchen with abundant cabinetry, and an open-concept design perfect for entertaining.

    Ben Caballero Highland Homes Realty

    227 Catahoula Ct, Montgomery, TX 77356
  • /9

    $729,990 New Construction

    • 4 Beds
    • 3.5 Baths
    • 3,700 Sq Ft

    231 Catahoula Ct, Montgomery, TX 77356

    MLS# 68883975 - Built by Highland Homes - August completion! ~ This spacious 4-bedroom, 4.5-bath home offers an open-concept design with soaring ceilings, elegant wood floors, and high-end finishes throughout. The chef-inspired kitchen is a showstopper, featuring quartz countertops, abundant cabinetry, built-in stainless steel appliances, and a wine hutch leading into the main living space. A

    Ben Caballero Highland Homes Realty

    231 Catahoula Ct, Montgomery, TX 77356
  • /17

    $299,990 Open Sun 2PM - 5PM

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

    12959 Shady Grove Ln, Montgomery, TX 77356

    Discover refined, low-maintenance living in this beautifully designed 3-bedroom, 2.5-bath patio home in the prestigious Walden on Lake Conroe community. Perfect for those seeking comfort and convenience, this spacious two-story offers a “lock-and-leave” lifestyle with minimal upkeep. Enjoy an open-concept layout with soaring ceilings, abundant light, and luxury finishes. The gourmet kitchen

    Brad Tiffan Legend Home Corporation

    12959 Shady Grove Ln, Montgomery, TX 77356
  • /18

    $309,990 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,878 Sq Ft

    13407 Greenbrier Dr, Montgomery, TX 77356

    Discover refined, low-maintenance living in this beautifully designed 3-bedroom, 2.5-bath patio home in the prestigious Walden on Lake Conroe community. Perfect for those seeking comfort and convenience, this spacious two-story offers a “lock-and-leave” lifestyle with minimal upkeep. Enjoy an open-concept layout with soaring ceilings, abundant light, and luxury finishes. The gourmet kitchen

    Brad Tiffan Legend Home Corporation

    13407 Greenbrier Dr, Montgomery, TX 77356
  • /16

    $319,990 New Construction

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

    3446 Country Club Blvd, Montgomery, TX 77356

    Discover refined, low-maintenance living in this beautifully designed 3-bedroom, 2.5-bath patio home in the prestigious Walden on Lake Conroe community. Perfect for those seeking comfort and convenience, this spacious two-story offers a “lock-and-leave” lifestyle with minimal upkeep. Enjoy an open-concept layout with soaring ceilings, abundant light, and luxury finishes. The gourmet kitchen

    Brad Tiffan Legend Home Corporation

    3446 Country Club Blvd, Montgomery, TX 77356
  • /44

    $589,000 New Construction

    • 4 Beds
    • 3 Baths
    • 2,508 Sq Ft

    299 Peninsula Point Dr, Montgomery, TX 77356

    Stunning Custom Home on Canal Lot–Fisherman’s Paradise with Water Views! Welcome to your dream home in prestigious Waterstone community. Located on a cul-de-sac with spacious 175-foot bulkheaded canal lot. Step onto the expansive covered balcony/deck to take in the beauty of the canal, with an optional inset spa to complete your outdoor retreat. Inside, elegance meets modern sophistication

    Nedal Walker CB&A, Realtors

    299 Peninsula Point Dr, Montgomery, TX 77356
  • /20

    $225,000 New Construction

    • 3 Beds
    • 2 Baths
    • 1,278 Sq Ft

    1139 Baja Rd, Montgomery, TX 77356

    New Construction home never lived in. Open Concept Living/dining/kitchen, 3 bedroom split floor plan, nice covered back patio to enjoy this summer, oversized yard for the kids and pets to play. Please check doc's for qualification. **** Perfect 1st time home buyer ****

    Becky Hamilton Green & Associates Real Estate

    1139 Baja Rd, Montgomery, TX 77356
  • /15

    $207,770 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,450 Sq Ft

    16986 W Hammon, Montgomery, TX 77316

    Nestled in a friendly neighborhood, this charming abode boasts a contemporary architectural style, marrying aesthetics with functionality. The exterior showcases a harmonious blend of premium materials, featuring a stylish mix of stone accents and pristine siding. Step inside to discover an open and seamlessly flowing floor plan, maximizing every inch of space. The main level effortlessly

    Sonali Mansukhani Keller Williams Signature

    16986 W Hammon, Montgomery, TX 77316
  • /13

    $175,000 New Construction

    • 3 Beds
    • 2 Baths
    • 1,100 Sq Ft

    16978 W Hammon, Montgomery, TX 77316

    Welcome to your dream home, where modern elegance meets the convenience of single-story living. This newly constructed masterpiece is situated in the heart of Conroe. As you enter, the open-concept design seamlessly combines style and functionality, with a spacious layout that emphasizes comfort and convenience. The heart of the home is the chef-inspired kitchen, featuring a show-stopping

    Sonali Mansukhani Keller Williams Signature

    16978 W Hammon, Montgomery, TX 77316
  • /12

    $175,000 New Construction

    • 3 Beds
    • 2 Baths
    • 1,100 Sq Ft

    16982 W Hammon, Montgomery, TX 77316

    Welcome to your dream home, where modern elegance meets the convenience of single-story living. This newly constructed masterpiece is situated in the heart of Conroe. As you enter, the open-concept design seamlessly combines style and functionality, with a spacious layout that emphasizes comfort and convenience. The heart of the home is the chef-inspired kitchen, featuring a show-stopping

    Sonali Mansukhani Keller Williams Signature

    16982 W Hammon, Montgomery, TX 77316
  • /17

    $207,000 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,463 Sq Ft

    16985 Glenheath St, Montgomery, TX 77316

    New Construction home located in the heart of Conroe! 2 Story 3 bedroom 2.5 bathroom charmer with a BONUS ROOM! Large open-concept living area with lots of natural light and high vaulted ceilings which provide a wonderful sense of space. Eye catching vinyl flooring, with high quality fixtures. The kitchen boasts a fresh modern look with gorgeous quartz countertops, beautiful wood cabinets, large

    Sonali Mansukhani Keller Williams Signature

    16985 Glenheath St, Montgomery, TX 77316
  • /19

    $1,160,460 New Construction

    • 4 Beds
    • 6 Baths
    • 3,684 Sq Ft

    706 Mountain View Dr, Montgomery, TX 77356

    NEW CONSTRUCTION.....STILL TIME TO MAKE SELECTIONS!!! Welcome to your new home at The Cliffs! Gorgeous custom home, 4 bedrooms (all en-suite) 4 full baths and 2 half baths. This home will not dissapoint! Well thought out floor plan with modern amenities, and luxiourous finishes will allow this home to be YOUR FOREVER HOME. This plan, the Brooks Manor is an open concept split floor plan that

    Jennifer Gonzales LPT Realty, LLC

    706 Mountain View Dr, Montgomery, TX 77356
  • /10

    $342,990 New Construction

    • 4 Beds
    • 3 Baths
    • 2,017 Sq Ft

    Passionflower II, Montgomery, TX 77356

    Striking kitchen with large island and adjacent dining area.Spacious great room with fireplace option.Luxurious primary suite with walk-in closet.Relaxing primary bath with double sinks.Cozy home office or Bedroom 5 option off Hall 2.

    K Hovnanian Homes

    Passionflower II, Montgomery, TX 77356
  • /11

    $369,990 New Construction

    • 5 Beds
    • 3 Baths
    • 2,854 Sq Ft

    Zambezi II, Montgomery, TX 77356

    Extra Suite for long-term guests and multi-generational living.Kitchen with spacious island and pantry.Great room with fireplace option and access to backyard.Primary bath with shower and double sinks.Versatile loft and activity room located upstairs.

    K Hovnanian Homes

    Zambezi II, Montgomery, TX 77356
  • /9

    $349,990 New Construction

    • 4 Beds
    • 3 Baths
    • 2,192 Sq Ft

    Sweet Pea, Montgomery, TX 77356

    Extra Suite for long-term guests or multi-generational living.Stunning kitchen with oversized island and walk-in pantry.Expansive great room with fireplace option.First-floor primary suite with large walk-in closet.Luxurious primary bath with double sinks and shower.Sunny loft upstairs making a great playroom or gameroom.

    K Hovnanian Homes

    Sweet Pea, Montgomery, TX 77356
  • /10

    $335,990 New Construction

    • 4 Beds
    • 3 Baths
    • 1,999 Sq Ft

    Orinoco II ESP, Montgomery, TX 77356

    Extra Suite Plus with private living room for multi-generational living.Great room with access to covered patio.Gorgeous kitchen with walk-in pantry.Spacious primary suite with walk-in closet.Primary bath with double sinks and shower.

    K Hovnanian Homes

    Orinoco II ESP, Montgomery, TX 77356
  • /8

    $325,990 New Construction

    • 4 Beds
    • 2 Baths
    • 1,749 Sq Ft

    Goldenrod II, Montgomery, TX 77356

    Welcome to Aspire at The Hills of Town Creek, a new-construction home community located in Montgomery, Texas. Explore spacious floorplans with up to 5 bedrooms, 3 baths, and 2,834 sq. ft., with airy open layouts and versatile space to meet your needs. Each home is styled with K. Hovnanian's exclusive Looks interiors, curated by professionals: With Looks, you'll experience a beautiful new home

    K Hovnanian Homes

    Goldenrod II, Montgomery, TX 77356
  • /12

    $315,990 New Construction

    • 3 Beds
    • 2 Baths
    • 1,602 Sq Ft

    Daffodil IV, Montgomery, TX 77356

    Charming home with open-concept living space.Secondary bedrooms off foyer in proximity to hall bath.Beautiful kitchen with island overlooking great room.Open great room and dining area for entertaining.Lavish primary suite with private bath and walk-in closet.

    K Hovnanian Homes

    Daffodil IV, Montgomery, TX 77356
  • /5

    $638,990 New Construction

    • 4 Beds
    • 3.5 Baths
    • 3,560 Sq Ft

    Plan Telford, Montgomery, TX 77356

    Welcome to the Telford. Upon entering the home, you're welcomed by a spacious foyer leading to a versatile study, ideal for a home office. Adjacent is a secondary bedroom, complete with its own bath. As you move through the home, you'll encounter a grand curved staircase, elegantly positioned to connect the main living area with the second floor, adding a touch of sophistication to the

    Highland Homes

    Plan Telford, Montgomery, TX 77356
  • /24

    $645,990 New Construction

    • 5 Beds
    • 4.5 Baths
    • 3,799 Sq Ft

    Plan Royston, Montgomery, TX 77356

    The Royston welcomes you with a spacious foyer that leads to a versatile study, perfect for work or relaxation. Bedroom #2, complete with its private bath, is conveniently located nearby. The main living area features an open-concept design, seamlessly connecting the kitchen, dining area, and family room. The kitchen is equipped with a large island and modern amenities, while the family room

    Highland Homes

    Plan Royston, Montgomery, TX 77356
  • /6

    $690,490 New Construction

    • 5 Beds
    • 7 Baths
    • 3,723 Sq Ft

    1231 Basset Hound Dr, Montgomery, TX 77356

    MLS# 56581558 - Built by Highland Homes - August completion! ~ Welcome to this exquisite 5-bedroom, 5-full bath, and 2-half bath home, located in a serene community just minutes from the vibrant heart of Lake Conroe. This two-story beauty offers a perfect blend of comfort and privacy with no back neighbors, providing you with peaceful, unobstructed views. Inside, you'll find spacious living

    Ben Caballero Highland Homes Realty

    1231 Basset Hound Dr, Montgomery, TX 77356
  • /35

    $368,056 New Construction

    • 4 Beds
    • 2.5 Baths
    • 1,948 Sq Ft

    19576 Stripe Hill Bend, Conroe, TX 77356

    Welcome Home to Motgomery Ridge located in the HIGHLY SOUGHT MONGTOMERY ISD school zone! Minutes from all that Lake Conroe has to offer and a quick commute to I-45. Community features a pool, pavilion, playgrounds, & trails. This STUNNING 4 bed, 2.5 bath home is ENERGY STAR QUALIFIED and features a modern QUARTZ ISLAND kitchen, breakfast bar, and fridge. Open to breakfast and family room. Luxury

    Jeremy Larkin Keller Williams Realty The Woodlands

    19576 Stripe Hill Bend, Conroe, TX 77356
  • /26

    $317,011 New Construction

    • 3 Beds
    • 2 Baths
    • 1,599 Sq Ft

    19584 Stripe Hill Bend, Conroe, TX 77356

    Welcome Home to Motgomery Ridge located in the HIGHLY SOUGHT MONGTOMERY ISD school zone! Minutes from all that Lake Conroe has to offer and a quick commute to I-45. Community features a pool, pavilion, playgrounds, & trails. This STUNNING 3 bed, 2 bath home is ENERGY STAR QUALIFIED and features a modern QUARTZ ISLAND kitchen, breakfast bar, and fridge. Open to breakfast and family room. Luxury

    Jeremy Larkin Keller Williams Realty The Woodlands

    19584 Stripe Hill Bend, Conroe, TX 77356
  • /30

    $371,088 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,465 Sq Ft

    19556 Stripe Hill Bend, Conroe, TX 77356

    Welcome Home to Motgomery Ridge located in the HIGHLY SOUGHT MONGTOMERY ISD school zone! Minutes from all that Lake Conroe has to offer and a quick commute to I-45. Community features a pool, pavilion, playgrounds, & trails. This STUNNING 4 bed, 2.5 bath home is ENERGY STAR QUALIFIED and features a modern QUARTZ ISLAND kitchen, breakfast bar, and fridge. Open to breakfast and family room. Luxury

    Jeremy Larkin Keller Williams Realty The Woodlands

    19556 Stripe Hill Bend, Conroe, TX 77356
  • /38

    $382,343 New Construction

    • 5 Beds
    • 3.5 Baths
    • 2,538 Sq Ft

    19653 Montgomery Ridge Way, Conroe, TX 77356

    Experience serenity in this exquisite Cascade home, where elegance meets comfort. The grand 8-foot leaded glass front door sets the tone for a warm and inviting atmosphere. Inside, you'll find a private study and a covered back patio, perfect for blending indoor and outdoor living. This home features a Choice Kitchen and Primary Bath, complemented by an additional guest suite for versatility and

    Angeline Clark Monarch Real Estate & Ranch

    19653 Montgomery Ridge Way, Conroe, TX 77356
  • /9

    $341,340 New Construction

    • 4 Beds
    • 2 Baths
    • 2,011 Sq Ft

    19649 Montgomery Ridge Way, Conroe, TX 77356

    Welcome to Montgomery Ridge in beautiful Conroe, TX! This northwest-facing Teton home offers a harmonious blend of style and functionality, with an open-concept kitchen and great room designed for seamless entertaining.Step onto the covered patio or create culinary masterpieces in the Choice Kitchen, complete with quartz countertops and elegant 42" cabinets. Situated within the highly

    Angeline Clark Monarch Real Estate & Ranch

    19649 Montgomery Ridge Way, Conroe, TX 77356

Showing Results 561 - 600, Page 15 of 16

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