6,185

Nebraska Homes for Sale with No HOA Fee

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  • /19

    $339,990 New Construction

    • 3 Beds
    • 2 Baths
    • 1,635 Sq Ft

    NEUVILLE Plan at Giles Pointe, Omaha, NE 68136

    Welcome home to the Neuville floor plan at Giles Pointe in Omaha, Ne. This 3-bedroom, 2-bathroom ranch offers 1,635 sq. ft. of thoughtfully designed living space with an open-concept kitchen overlooking the living and dining areas and back patio. The living room features an electric fireplace and large windows that fill the home with natural light. The kitchen includes white cabinetry, quartz

    D.R. Horton Builder
    8520 S 179th St Unit 36202394, Omaha, NE 68136
  • /19

    $386,990 New Construction

    • 4 Beds
    • 3 Baths
    • 2,511 Sq Ft

    7007 S 205th St, Gretna, NE 68028

    Step inside 7007 S 205th St, in Gretna, Ne. This inviting ranch-style home offers 4 bedrooms, 3 bathrooms, and 2,511 sq. ft. of living space designed for comfort, function, and modern living. Enter through a spacious foyer leading past two secondary bedrooms and a full bathroom—ideal for guests, a home office, or a growing household. The open kitchen features white cabinetry, stainless steel

    D.R. Horton Builder
    7007 S 205th St, Gretna, NE 68028
  • /17

    $354,990 New Construction

    • 3 Beds
    • 2 Baths
    • 1,635 Sq Ft

    7002 S 205th St, Gretna, NE 68028

    Step inside 7002 S 205the St in Gretna, Ne. This inviting ranch-style home offers 3 bedrooms, 2 bathrooms, and 1,635 sq. ft. of living space designed for comfort, function, and modern living. Enter through a spacious foyer leading past two secondary bedrooms and a full bathroom—ideal for guests, a home office, or a growing household. The open kitchen features white cabinetry, stainless steel

    D.R. Horton Builder
    7002 S 205th St, Gretna, NE 68028
  • /27

    $474,900 Open Sun 1PM - 4PM

    • 4 Beds
    • 2.5 Baths
    • 2,299 Sq Ft

    5413 N 190th St, Bennington, NE 68007

    Do not miss out on The Davinci Plan by Regency is designed for maximum living. Rooms are larger than the Sq ft would have you believe! Oversized great room and kitchen with our largest walk-in pantry; 3 car garage and large mud room. Open atrium greets guest with great light and space. A modern kitchen with quartz counters and granite sink. Room for a table for 8 people! A stone front elevation

    Susan Wachner Regency Homes

    5413 N 190th St, Bennington, NE 68007
  • /14

    $259,990 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,511 Sq Ft

    8908 N 166th St, Bennington, NE 68007

    Discover 8908 N 166th St in Bennington, Ne. This thoughtfully designed two-story townhome offers 3 bedrooms, 2.5 bathrooms, and 1,511 sq. ft. of comfortable living space. Step inside to a long foyer that leads you to the heart of the home—a bright, open-concept main floor seamlessly connecting the kitchen, dining, and great room, complete with a cozy electric fireplace. The kitchen shines with

    D.R. Horton Builder
    8908 N 166th St, Bennington, NE 68007
  • /24

    $384,990 New Construction

    • 4 Beds
    • 3 Baths
    • 2,511 Sq Ft

    5422 Fenwick St, Bellevue, NE 68133

    Step inside 5422 Fenwick St in Bellevue, Ne. This inviting ranch-style home offers 4 bedrooms, 3 bathrooms, and 2,511 sq. ft. of living space designed for comfort, function, and modern living. Enter through a spacious foyer leading past two secondary bedrooms and a full bathroom—ideal for guests, a home office, or a growing household. The open kitchen features white cabinetry, stainless steel

    D.R. Horton Builder
    5422 Fenwick St, Bellevue, NE 68133
  • /54

    $439,999

    • 4 Beds
    • 4 Baths
    • 3,089 Sq Ft

    3921 S 192nd Ave, Omaha, NE 68130

    Quality craftsmanship meets modern updates, making this Whitehawk home in the Elkhorn South school district a standout. The main floor has been transformed w/ new LVP flooring, freshly painted trim, & an open layout built for both comfort & style, while the renovated kitchen impresses w/ quartz countertops, a sleek straight-stack backsplash, oversized single-basin sink, & premium hardware. Note

    Aubrey Hess Better Homes and Gardens R.E.

    3921 S 192nd Ave, Omaha, NE 68130
  • /18

    $399,990 New Construction

    • 4 Beds
    • 3 Baths
    • 2,190 Sq Ft

    17073 Craig St, Bennington, NE 68007

    Welcome to 17073 Craig St in Bennington, Ne. This ranch-style home offers 4 bedrooms, 3 bathrooms, and 2,190 sq. ft. of open-concept living that blends comfort, style, and functionality. Step inside to a bright foyer leading past two spacious bedrooms and a full bath—perfect for guests, family, or a home office. The kitchen features white cabinetry, stainless steel appliances, and a large island

    D.R. Horton Builder
    17073 Craig St, Bennington, NE 68007
  • /30

    $213,000

    • 3 Beds
    • 2 Baths
    • 1,488 Sq Ft

    909 Brentwood Ave, Hastings, NE 68901

    Motivated Seller! This is a lovely three-bedroom, two-bathroom split-foyer home. You will enjoy the spacious deck and backyard for years to come, not to mention that this home is within walking distance of the Theater District. Expensive updates have been done for you. The windows (2022), roof (2023), gutters (2023), garage door (2022), underground sprinklers (2022), water heater (2024), water

    Josie Haussermann Nebraska Realty Hastings

    909 Brentwood Ave, Hastings, NE 68901
  • /17

    $364,990 New Construction

    • 3 Beds
    • 2 Baths
    • 1,635 Sq Ft

    Neuville Plan at Pioneer View, Papillion, NE 68157

    Welcome home to the Neuville floor plan at Pioneer View in Papillion, Ne. This 4 bedroom, 3 bathroom ranch offers 2,511 sq. ft. of thoughtfully designed living space with an open-concept kitchen overlooking the living and dining areas and back patio. The living room features 9-ft ceilings, an electric fireplace and large windows that fill the home with natural light. The kitchen includes white

    D.R. Horton Builder
    6437 Clear Creek St Unit 36202426, Papillion, NE 68157
  • /29

    $250,000

    • 3 Beds
    • 1.5 Baths
    • 1,304 Sq Ft

    2502 N 60th St, Omaha, NE 68104

    This updated ranch in Halcyon Heights features a fully renovated main level with luxury vinyl plank flooring, a fireplace, and an open layout. The kitchen offers new countertops, a tiled backsplash, and a bright breakfast nook. The main floor includes three bedrooms and a full bath with cohesive modern finishes. The lower level is partially started and provides excellent potential for added

    Leeann Bluske Exchange Brokers

    2502 N 60th St, Omaha, NE 68104
  • /20

    $299,000 Open Sun 1PM - 2:30PM

    • 3 Beds
    • 2 Baths
    • 1,128 Sq Ft

    1209 5th St, Columbus, NE 68601

    This well-maintained 3-bedroom, 2-bathroom home offers exceptional space and versatility. The main level features a comfortable layout with an eat-in kitchen, perfect for everyday living. The partially finished basement includes two bonus rooms, ideal for a home office, gym, hobby space, or guest use and a family room. Outside, enjoy a fully fenced yard and a patio for entertaining. Parking and

    TRENT STEMPEK EXP REALTY, INC.

    1209 5th St, Columbus, NE 68601
  • /79

    $460,000

    • 3 Beds
    • 2.5 Baths
    • 2,795 Sq Ft

    2615 P Ave, Rosalie, NE 68055

    IMPRESSIVE PROPERTY!!! 3-bed, 3-bath STUNNING home with true custom quality! Kitchen features Hickory cabinets, large island & spacious windows!! The large living/dining room has a patio door to access the large deck! Grand and spacious master bedroom suite contains floating dresser, large walk-in closet and attached bathroom! The master bath boosts a tile shower, large whirlpool tub, ceiling to

    Maria Janata Ortmeier & Associates Inc

    2615 P Ave, Rosalie, NE 68055
  • /18

    $369,990 New Construction

    • 3 Beds
    • 2 Baths
    • 1,498 Sq Ft

    HAMILTON Plan at The Hill, Bennington, NE 68007

    Say hello to the Hamilton Plan by D.R. Horton, located in The Hill community in Bennington, Ne. This single-level home offers 3 bedrooms and 2 full bathrooms, making it perfect for families seeking a modern, open layout. The Hamilton Plan features two large bedrooms at the front of the home, ideal for guests or children, while the primary suite is at the back for added privacy. The primary

    D.R. Horton Builder
    8718 N 167th St Unit 36202439, Bennington, NE 68007
  • /32

    $425,000 Open Sun 1PM - 3PM

    • 4 Beds
    • 3.5 Baths
    • 3,211 Sq Ft

    4827 S 187th Ave, Omaha, NE 68135

    This move-in ready two-story home in family-friendly Cattail Creek offers an assumable VA loan at 4.25%! The main level features luxury vinyl plank and laminate flooring, formal dining, cozy fireplace, half bath, laundry, and an updated kitchen with granite counters, tiled backsplash, and stainless appliances. Upstairs, the primary suite has vaulted ceiling, walk-in closet, jetted tub, plus three

    Tyler Brown Exchange Brokers

    4827 S 187th Ave, Omaha, NE 68135
  • /20

    $419,990 New Construction

    • 4 Beds
    • 3.5 Baths
    • 2,452 Sq Ft

    17002 Reynolds St, Bennington, NE 68007

    Discover 17002 Reynolds St in Bennington, NE. This 4-bedroom, 3.5-bath ranch-style home offers 2,452 sq. ft. of comfortable, functional living space designed for every stage of life. The open-concept layout makes entertaining a breeze, with a spacious living room featuring a beautifully crafted electric fireplace. The kitchen overlooks the living and dining areas and boasts white cabinetry,

    D.R. Horton Builder
    17002 Reynolds St, Bennington, NE 68007
  • /20

    $384,990 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,659 Sq Ft

    Reagan Plan at Pioneer View, Papillion, NE 68157

    Welcome to the Reagan floor plan at Pionner View in Papillion, Ne. This ranch-style home features 4 bedrooms, 3.5 bathrooms, and 2,452 sq. ft. of living space designed for comfort and functionality. The open-concept 9-ft ceiling layout creates a seamless flow between the living room, dining nook, and kitchen—perfect for everyday living and entertaining. The kitchen offers quartz countertops,

    D.R. Horton Builder
    6437 Clear Creek St Unit 36202427, Papillion, NE 68157
  • /50

    $189,000

    • 3 Beds
    • 2 Baths
    • 2,631 Sq Ft

    208 N 4th St, Newman Grove, NE 68758

    If you’ve been searching for a spacious, character-filled home in a quiet community—look no further! This beautifully maintained two-story home offers 3 generously sized bedrooms, 2 bathrooms, and a perfect blend of original charm and modern comfort. Step into the sunroom, which opens to a large deck ideal for relaxing or entertaining, or enjoy the cozy 4-seasons room located at the front of the

    Joy Parkinson INSPIRE HOME & LAND REALTY

    208 N 4th St, Newman Grove, NE 68758
  • /19

    $319,990 New Construction

    • 4 Beds
    • 3 Baths
    • 2,199 Sq Ft

    7707 N 170th St, Bennington, NE 68007

    Step inside 7707 N 170 St in Bennington, Ne. This ranch-style duplex features 4 bedrooms, 3 bathrooms, and 2,199 sq. ft. of open-concept living—ideal for homebuyers at any stage. Enter through the welcoming front porch into a bright foyer with a spacious secondary bedroom, full bathroom, and convenient laundry room. Pass the open stairway leading to the finished basement. The kitchen impresses

    D.R. Horton Builder
    7707 N 170th St, Bennington, NE 68007
  • /19

    $386,990 New Construction

    • 4 Beds
    • 3 Baths
    • 2,511 Sq Ft

    7107 S 205th St, Gretna, NE 68028

    Step inside 7107 S 205TH ST in Gretna, Ne. This inviting ranch-style home offers 4 bedrooms, 3 bathrooms, and 2,511 sq. ft. of living space designed for comfort, function, and modern living. Enter through a spacious foyer leading past two secondary bedrooms and a full bathroom—ideal for guests, a home office, or a growing household. The open kitchen features white cabinetry, stainless steel

    D.R. Horton Builder
    7107 S 205th St, Gretna, NE 68028
  • /36

    $298,000

    • 5 Beds
    • 3 Baths
    • 1,794 Sq Ft

    2420 Ames Ave, Omaha, NE 68111

    Gorgeous 1.5 story home with 5 bedrooms, 2 baths. Live luxuriously with your band new kitchen, bathrooms and everything from window to walls, enjoy your front deck or in the backyard with very low maintenance since there is only a little bit of grass to cut in the front yard, plus you still have a large basement to build to your liking. Parking space for up to 6 cars.

    Martha Barrera Nebraska Realty

    2420 Ames Ave, Omaha, NE 68111
  • /32

    $235,000

    • 5 Beds
    • 2 Baths
    • 1,740 Sq Ft

    501 N Monroe St, Lexington, NE 68850

    1.5 story home on a spacious corner lot with great curb appeal! This 5-bedroom 2- bathroom property features an open concept main level with a bright living room, large dining area and a kitchen with island and bar seating. Big windows, recessed lighting and tile/laminate keep the space light and modern. The primary bedroom has its own bathroom and walk-in closet. Additional bedrooms offer plenty

    Stephanie Novoa Go Home Realty

    501 N Monroe St, Lexington, NE 68850
  • /21

    $363,990 New Construction

    • 4 Beds
    • 3 Baths
    • 2,190 Sq Ft

    16322 Willit St, Bennington, NE 68007

    Welcome to 16322 Willit St Bennington, Ne. This ranch-style home offers 4 bedrooms, 3 bathrooms, and 2,190 sq. ft. of open-concept living that blends comfort, style, and functionality. Step inside to a bright foyer leading past two spacious bedrooms and a full bath—perfect for guests, family, or a home office. The kitchen features white cabinetry, stainless steel appliances, and a large island

    D.R. Horton Builder
    16322 Willit St, Bennington, NE 68007
  • /33

    $625,000

    • 4 Beds
    • 3 Baths
    • 3,264 Sq Ft

    189 Lakeshore, Lewellen, NE 69147

    Click here to view a 3-D tour WELCOME HOME to this beautiful lake property in Marina Landing at Lake McConaughy just minutes to private beach! Fully updated 4 bedroom, 3 bathroom home with 3,264 sq ft, built with 2x6 construction and 9 ceilings with an attached pull through 39x24 garage and 12 x 16 ft doors to keep all your lake toys nice and covered. This home features a built-in speaker system

    Brandi Housman Lashley Land and Recreational Brokers

    189 Lakeshore, Lewellen, NE 69147
  • /39

    $399,000

    • 4 Beds
    • 3 Baths
    • 1,424 Sq Ft

    1426 Willard Ave, Genoa, NE 68640

    Sellers offering $5,000 towards buyers closing costs and pre-paids at time of closing! Move-in ready and fully updated! This home was completely rebuilt in 2017/2018 with a new foundation, roof, siding, HVAC, and windows, offering peace of mind for years to come. Outdoor updates were just completed in 2023, including fresh landscaping, new driveway, and a burn pit area perfect for relaxing

    Erica Zywiec EXP REALTY, INC.

    1426 Willard Ave, Genoa, NE 68640
  • /20

    $275,990 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,511 Sq Ft

    20573 Margo St, Gretna, NE 68028

    Discover 20573 Margo St in Gretna, Ne. This thoughtfully designed two-story townhome offers 3 bedrooms, 2.5 bathrooms, and 1,511 sq. ft. of comfortable living space. Step inside to a long foyer that leads you to the heart of the home—a bright, open-concept main floor seamlessly connecting the kitchen, dining, and great room, complete with a cozy electric fireplace. The kitchen shines with sleek

    D.R. Horton Builder
    20573 Margo St, Gretna, NE 68028
  • /19

    $259,990 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,511 Sq Ft

    8819 N 167th St, Bennington, NE 68007

    Discover 8819 N 167th St in Bennington, Ne. This thoughtfully designed two-story townhome offers 3 bedrooms, 2.5 bathrooms, and 1,511 sq. ft. of comfortable living space. Step inside to a long foyer that leads you to the heart of the home—a bright, open-concept main floor seamlessly connecting the kitchen, dining, and great room, complete with a cozy electric fireplace. The kitchen shines with

    D.R. Horton Builder
    8819 N 167th St, Bennington, NE 68007
  • /20

    $275,990 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,511 Sq Ft

    20575 Margo St, Gretna, NE 68028

    Discover 20575 Margo St in Gretna, Ne. This thoughtfully designed two-story townhome offers 3 bedrooms, 2.5 bathrooms, and 1,511 sq. ft. of comfortable living space. Step inside to a long foyer that leads you to the heart of the home—a bright, open-concept main floor seamlessly connecting the kitchen, dining, and great room, complete with a cozy electric fireplace. The kitchen shines with sleek

    D.R. Horton Builder
    20575 Margo St, Gretna, NE 68028
  • /27

    $347,500

    • 3 Beds
    • 2 Baths
    • 2,254 Sq Ft

    1907 Plum Creek Ln, Lexington, NE 68850

    Stylish, Spacious & Ready to Impress! This beautifully updated 3-bedroom, 2-bath brick home offers comfort, functionality, and timeless charm. Set on a generous lot with mature shade trees, it features a covered patio and bonus sunroom, perfect for morning coffee or relaxing evenings. Step inside to an open-concept layout with stylish flooring and a well-appointed kitchen complete with stainless

    Jacey Edson BHA Real Estate

    1907 Plum Creek Ln, Lexington, NE 68850
  • /18

    $324,990 New Construction

    • 4 Beds
    • 2.5 Baths
    • 1,767 Sq Ft

    Emerson Plan at Majestic Pointe II - Majestic Pointe Twinhomes, Bennington, NE 68007

    Your new home awaits in the Majestic Pointe community in Bennington, Ne. The Emerson is a bi-attached twin home, offering 4 bedrooms, 2.5 bathrooms, a 2-car garage, and 1,767 sq. ft. of thoughtfully designed living space. From the covered porch, step into the foyer, passing the guest bathroom, garage access, and stairs to the second level. The foyer opens into the heart of the home—a spacious

    D.R. Horton Builder
    7918 N 169th St Unit 36202405, Bennington, NE 68007
  • /17

    $357,990 New Construction

    • 4 Beds
    • 3 Baths
    • 2,190 Sq Ft

    8952 N 167th St, Bennington, NE 68007

    Welcome to 8952 N 167th St in Bennington, Ne. This ranch-style home offers 4 bedrooms, 3 bathrooms, and 2,190 sq. ft. of open-concept living that blends comfort, style, and functionality. Step inside to a bright foyer leading past two spacious bedrooms and a full bath—perfect for guests, family, or a home office. The kitchen features white cabinetry, stainless steel appliances, and a large island

    D.R. Horton Builder
    8952 N 167th St, Bennington, NE 68007
  • /19

    $319,990 New Construction

    • 4 Beds
    • 3 Baths
    • 2,199 Sq Ft

    7705 N 170th St, Bennington, NE 68007

    Step inside 7705 N 170 St in Bennington, Ne. This ranch-style duplex features 3 bedrooms, 3 bathrooms, and 2,199 sq. ft. of open-concept living—ideal for homebuyers at any stage. Enter through the welcoming front porch into a bright foyer with a spacious secondary bedroom, full bathroom, and convenient laundry room. Pass the open stairway leading to the finished basement. The kitchen impresses

    D.R. Horton Builder
    7705 N 170th St, Bennington, NE 68007
  • /15

    $364,900

    • 3 Beds
    • 2 Baths
    • 2,520 Sq Ft

    2208 E 41st St, Kearney, NE 68847

    Welcome to The Meadows, Kearney’s newest subdivision where convenience meets contemporary design! This brand-new floor plan offers 2,520 sq. ft. of stylish living space, featuring 3 bedrooms, 2 bathrooms, and a spacious 2-car garage. Enjoy high-end finishes throughout, including quartz/granite countertops, a full appliance package, and main floor window blinds already installed for added privacy

    Brandon Yaw Rooted Realty Group

    2208 E 41st St, Kearney, NE 68847
  • /35

    $235,000

    • 3 Beds
    • 1 Bath
    • 1,494 Sq Ft

    5012 Magnolia St, Omaha, NE 68137

    Contract Pending. On market for back up offers through inspection period. Welcome to this well-loved Signal Hill home in Millard Schools, offering 3 bedrooms, 1 bath, and hardwood floors waiting under the carpet. The main level features a bright living room, an eat-in kitchen, and a vintage blue-tile bath that’s in great shape. The finished basement adds a second living space plus storage. Newer

    Chris Jamison Nebraska Realty

    5012 Magnolia St, Omaha, NE 68137
  • /15

    $270,000

    • 6 Beds
    • 2 Baths
    • 5,448 Sq Ft

    226 S Price St, Merna, NE 68856

    This well-loved home offers 6 bedrooms, 2.5 bathrooms, and plenty of room for both living and entertaining. Sitting on a desirable corner lot, the property features a fenced backyard with mature landscaping, a vinyl deck, and a cozy fire pit-perfect for relaxing evenings. Inside, you'll find new luxury vinyl flooring throughout portions of the main floor, as well as a spacious kitchen with custom

    Joel Fisher C21 Midlands

    226 S Price St, Merna, NE 68856
  • /47

    $340,000

    • 5 Beds
    • 3 Baths
    • 1,172 Sq Ft

    4725 60th St, Columbus, NE 68601

    Don’t miss this attractive and spacious split-level 5-bedroom, 3-bathroom home located on a large corner lot in the desirable Lakeview School District. Enjoy lower property taxes, helping you save with a lower monthly payment! This home features a walkout basement, a fully fenced backyard, and a large covered deck overlooking scenic fields—perfect for entertaining or relaxing. Below the deck,

    Gary Luchsinger CENTURY 21 REALTY TEAM

    4725 60th St, Columbus, NE 68601
  • /14

    $267,990 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,511 Sq Ft

    Sydney Plan at The Hill - Townhomes, Bennington, NE 68007

    Welcome to the Sydney floor plan in The Hill community in Bennington, Ne. This popular two-story townhome features 3 bedrooms, 2.5 bathrooms, a 2-car garage, and 1,511 sq. ft. of comfortable living space, complete with all appliances included. As you enter through the front door, the foyer leads past a guest bath into the spacious living room, complete with an electric fireplace and large windows

    D.R. Horton Builder
    16616 Bondesson St Unit 36202443, Bennington, NE 68007
  • /20

    $419,990 New Construction

    • 4 Beds
    • 3.5 Baths
    • 2,452 Sq Ft

    17043 Craig St, Bennington, NE 68007

    Discover 17043 Craig St in Bennington, Ne. This 4 bedroom, 3.5 bath ranch-style home offers 2,452 sq. ft. of comfortable, functional living space designed for every stage of life. The open-concept layout makes entertaining a breeze, with a spacious living room featuring a beautifully crafted electric fireplace. The kitchen overlooks the living and dining areas and boasts white cabinetry,

    D.R. Horton Builder
    17043 Craig St, Bennington, NE 68007
  • /19

    $384,990 New Construction

    • 4 Beds
    • 3 Baths
    • 2,511 Sq Ft

    8409 S 176th Ave, Omaha, NE 68137

    Step inside 8409 S 176th Ave in Omaha, NE. This inviting ranch-style home offers 4 bedrooms, 3 bathrooms, and 2,511 sq. ft. of living space designed for comfort, function, and modern living. Enter through a spacious foyer leading past two secondary bedrooms and a full bathroom—ideal for guests, a home office, or a growing household. The open kitchen features white cabinetry, stainless steel

    D.R. Horton Builder
    8409 S 176th Ave, Omaha, NE 68137
  • /37

    $245,000

    • 3 Beds
    • 2 Baths
    • 2,012 Sq Ft

    680 D St, David City, NE 68632

    Charming All-Brick Tudor-Style Home with Classic Details and Modern Comforts. This beautifully maintained home features 3 bedrooms and 1.5 bathrooms. This all-brick residence is full of character and quality craftsmanship, including rich oak flooring, doors, and detailed woodwork throughout. Gothic-style arched doorways add a unique architectural charm you won’t find in modern builds. The main

    680 D St, David City, NE 68632

Showing Results 641 - 680, Page 17 of 18

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