5,364

Ohio Homes for Sale with a Kitchen Island

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  • /53

    $334,990 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,963 Sq Ft

    Ironwood Plan at Summit Landing, Troy, OH 45373

    Introducing the Ironwood by Arbor Homes where openness meets functionality in a thoughtfully designed floorplan.Step into a welcoming foyer with a convenient powder room near the front of the home. The garage includes built-in storage and direct access to the mudroom, perfect for stowing away sports gear or bikes during winter.The spacious great room is ideal for relaxing or entertaining guests,

    Arbor Homes Builder
    1101 Honeydew Dr Unit 36477271, Troy, OH 45373
  • /46

    $301,990 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,961 Sq Ft

    Norway Plan at Arrowhead Estates, Piqua, OH 45356

    One of our newest floor plans and has quickly become one of our most popular. The open kitchen facing the large Great Room separated by a long bar-top is perfect for everything from late night entertaining to homework sessions, just one example of the flexibility of this floor plan. The den can also become a first floor 5th bedroom. The upstairs includes a loft, laundry room and a total of 4

    Arbor Homes Builder
    1502 Arrowhead Dr Unit 36466670, Piqua, OH 45356
  • /14

    $590,900 New Construction

    • 4 - 5 Beds
    • 2.5 - 4.5 Baths
    • 2,873+ Sq Ft

    Northwestern Plan at Berlin Farm - Signature Collection, Delaware, OH 43015

    Welcome to the Northwestern, a new floorplan by M/I Homes. This home comes with 4–5 bedrooms, a 2-story great room, and plenty of options to make this house your home.

    M/I Homes Builder
    1865 Longhill Dr Unit 36482049, Delaware, OH 43015
  • /53

    $271,990 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,963 Sq Ft

    Ironwood Plan at Arrowhead Estates, Piqua, OH 45356

    Introducing the Ironwood by Arbor Homes where openness meets functionality in a thoughtfully designed floorplan.Step into a welcoming foyer with a convenient powder room near the front of the home. The garage includes built-in storage and direct access to the mudroom, perfect for stowing away sports gear or bikes during winter.The spacious great room is ideal for relaxing or entertaining guests,

    Arbor Homes Builder
    1502 Arrowhead Dr Unit 36469661, Piqua, OH 45356
  • /21

    $381,900 New Construction

    • 3 Beds
    • 2 Baths
    • 1,730+ Sq Ft

    DaVinci Plan at Salt Run Preserve - Maple Street Collection, Maineville, OH

    The DaVinci by Fischer Homes offers a flexible and thoughtfully designed layout perfect for modern living. The home features an owners suite with a walk-in closet and the option for a direct laundry room connection for added convenience. The open kitchen design includes a large island with seating and flows seamlessly into the expansive family room, which can be enhanced with an optional tray

    Fischer Homes Builder
    0 Maple Street Collection St Unit 38251860, Maineville, OH
  • /21

    $415,990 New Construction

    • 3 Beds
    • 2 Baths
    • 1,730+ Sq Ft

    DaVinci Plan at Heron Manor - Maple Street Collection, Pataskala, OH 43062

    The DaVinci by Fischer Homes offers a flexible and thoughtfully designed layout perfect for modern living. The home features an owners suite with a walk-in closet and the option for a direct laundry room connection for added convenience. The open kitchen design includes a large island with seating and flows seamlessly into the expansive family room, which can be enhanced with an optional tray

    Fischer Homes Builder
    103 Heron Ave Unit 36658877, Pataskala, OH 43062
  • /51

    $548,990 New Construction

    • 4 - 5 Beds
    • 2.5 - 4.5 Baths
    • 2,731 Sq Ft

    Wyatt Plan at The Reserve at Pickerington Ponds - Designer Collection, Pickerington, OH 43147

    The Wyatt by Fischer Homes offers a flexible and open design tailored for modern living. The main level features a versatile living or dining space that can be converted into a private study. The open-concept layout connects the family room, morning room, and kitchen, which boasts an expansive island with seating and a large walk-in pantry, with options for a pocket office and pantry or a morning

    Fischer Homes Builder
    125 Sparrow Ct Unit 36659963, Pickerington, OH 43147
  • /15

    $473,990 New Construction

    • 4 Beds
    • 2.5 Baths
    • 3,135 Sq Ft

    Breckenridge Plan at Adena Pointe - Maple Street Collection, Marysville, OH 43040

    The Breckenridge by Fischer Homes offers a spacious and customizable design for modern living. The main level features an open kitchen with a walk-in pantry and options for a kitchen island, morning room expansion, and various door and window configurations. Additional options include a study, electric or internal fireplace with a hearth, and a built-in bench with storage in the family foyer.

    Fischer Homes Builder
    1698 Adena Pointe Dr Unit 36658224, Marysville, OH 43040
  • /60

    $390,990 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,176 Sq Ft

    Aspen II Plan at Arbors at Grandin Pond, Maineville, OH 45039

    The Aspen II floorplan has it all- from a spacious home office, an open concept living and kitchen area, a large loft, and four bedrooms with plenty of space. You cant go wrong choosing this floorplan! Make The Aspen II your own with the many optional upgrades. If you fall in love with the interior, you will love the elevations on the exterior of this new build home!Entering off the front porch,

    Arbor Homes Builder
    1103 Grandin Pond Cir Unit 36486317, Maineville, OH 45039
  • /61

    $525,305 New Construction

    • 4 - 6 Beds
    • 2.5 - 5.5 Baths
    • 2,817+ Sq Ft

    Carlisle Plan at Greentree Meadows, Lebanon, OH 45036

    Welcome to The Carlisle Thoughtfully Designed for Comfort, Space & Everyday Living The Carlisle is a spacious two-story floor plan offering 4 bedrooms, 2 bathrooms, and at least 2,797 square feet of finished living space—perfect for families seeking both comfort and functionality. On the main level, enjoy a bright, open layout that seamlessly connects the kitchen, dining, and living areas—ideal

    Maronda Homes Builder
    4983 Greentree Rd Unit 36452092, Lebanon, OH 45036
  • /37

    $672,900 New Construction

    • 4 - 5 Beds
    • 2.5 - 5.5 Baths
    • 3,632 Sq Ft

    Beckett Plan at Reserve at Deer Run - Masterpiece Collection, Cincinnati, OH 45233

    The Beckett by Fischer Homes offers a grand and thoughtfully designed layout with 10-foot ceilings on the first floor, creating a spacious and open feel. The home features a stunning two-story foyer with a unique three-way staircase, adding architectural charm. The light-filled rear kitchen boasts a vaulted ceiling and a tall window wall, creating an airy and inviting space. An included

    Fischer Homes Builder
    2705 Buckridge Dr Unit 36659335, Cincinnati, OH 45233
  • /6

    $498,995 New Construction

    • 3 Beds
    • 2 - 2.5 Baths
    • 2,188+ Sq Ft

    Cheswicke Plan at Northampton, Springboro, OH 45066

    The new home construction Cheswicke design is our best-selling ranch home with three bedrooms, two full bathrooms, and unfinished lower level.

    M/I Homes Builder
    30 Morris St Unit 36169478, Springboro, OH 45066
  • /42

    $412,990 New Construction

    • 3 - 4 Beds
    • 2.5 - 3.5 Baths
    • 1,842 Sq Ft

    Wesley Plan at Farmstead - Maple Street Collection, Grove City, OH 43123

    This stylish two-story home includes everything you need for your next home. The kitchen features a large serving island with room for seating. A private staircase in the back of the home leads to 3 bedroomswith loft or optional 4th bedroom. The owner's suite includes a generous walk-in closet and a private bathroom. Additional features of the Wesley include a living room/study and a convenient

    Fischer Homes Builder
    6153 Honey Farm Way Unit 36658694, Grove City, OH 43123
  • /17

    $276,990 New Construction

    • 4 Beds
    • 2.5 Baths
    • 1,799 Sq Ft

    Forsythia Plan at Orchard Park - Aspire Single Family Collection, Louisville, OH 44641

    Open floorplan with 9’ ceilings, perfect for everyday living. Stunning kitchen with island for meal prep. Primary suite with walk-in closet and private bath. Second floor laundry room conveniently near bedrooms. Hall bath in proximity to secondary bedrooms. Attached 2-car garage for storage or parking.

    K. Hovnanian Homes - Ohio Division Builder
    3078 Mcintosh Dr NE Unit 36473145, Louisville, OH 44641
  • /42

    $448,200 New Construction

    • 4 - 5 Beds
    • 2.5 - 6 Baths
    • 2,227+ Sq Ft

    Ashton Plan at Trailhead - Trailhead Sequoia, Harrison, OH 45030

    The Ashton is so well-designed you won't believe how many choices you have to customize the floor plan. It starts in the foyer with a unique alcove flanked by two cloak closets. Brilliant! Then there's the formal room, with optional tray ceiling, for you to express how you entertain. Fabulous! The family living area can have an optional relaxing fireplace and/or optional sunroom, if you wish, and

    Drees Homes Builder
    1330 Trailhead St Unit 37231629, Harrison, OH 45030
  • /5

    $541,495 New Construction

    • 4 - 5 Beds
    • 2.5 - 3.5 Baths
    • 3,313+ Sq Ft

    Fairview Plan at Sorrento, Washington Township, OH 45458

    The Fairview is a 2-story craftsman style floor plan that includes 4 -5 bedrooms and 2 and a half baths. It also includes a den, formal dining room, upstairs laundry room, and loft area with an optional 5th bedroom.

    M/I Homes Builder
    9014 Sorrento Place Unit 36468842, Washington Township, OH 45458
  • /26

    $504,990 New Construction

    • 3 - 4 Beds
    • 2 - 3 Baths
    • 1,621 Sq Ft

    Magnolia Plan at Sycamore Springs - Designer Collection, Pickerington, OH 43147

    The Magnolia by Fischer Homes offers a versatile and inviting design with three bedrooms and the option to convert the third bedroom into a private study. The open family room, with an optional fireplace, creates a cozy gathering space, while the kitchen flows seamlessly into the morning room, which can be expanded for additional space. The owners suite features a walk-in closet and the option to

    Fischer Homes Builder
    8295 Busey Rd Unit 37150580, Pickerington, OH 43147
  • /26

    $480,900 New Construction

    • 3 Beds
    • 2 - 2.5 Baths
    • 1,863+ Sq Ft

    BEACHWOOD Plan at Highmeadow, Morrow, OH 45152

    The Beachwood presents comfortable one-level living with an open arrangement of the family room with optional fireplace, kitchen with serving island and dining area. A secluded first floor owner's suite includes a private bath with options for a garden bath or deluxe shower bath. Entertaining will be easy in the optional lower level rec room with optional wet bar. Additional upgrades include an

    Drees Homes Builder
    5131 Highmeadow Place Unit 37242143, Morrow, OH 45152
  • /32

    $523,900 New Construction

    • 4 Beds
    • 2 - 4 Baths
    • 2,535 Sq Ft

    Avery Plan at Ivy Rose - Designer Collection, Green Township, OH 45247

    The Avery Floorplan by Fischer Homes offers a unique five-level design that seamlessly blends dynamic living spaces with private retreats. From the welcoming family foyer to the pocket office with an optional built-in desk, every detail is thoughtfully designed for modern living. The two-story family room serves as the heart of the home, connecting to an open kitchen with a large island and a

    Fischer Homes Builder
    5236 Ivy Rose Ln Unit 36658926, Green Township, OH 45247
  • /18

    $467,900 New Construction

    • 2 - 4 Beds
    • 2 - 3 Baths
    • 1,859+ Sq Ft

    Camden Plan at Providence - Designer Collection, Maineville, OH 45039

    The Camden floorplan by Fischer Homes is designed for modern living at its finest. The central Family Room and Kitchen with a sprawling island set the stage for gatherings, while the Included Covered Outdoor Living space offers a seamless transition to outdoor relaxation. Flexibility abounds with options for a Study, Bedroom 3, or formal dining area. Retreat to the Owner's Suite, complete with an

    Fischer Homes Builder
    7000 Quellin Blvd Unit 36659288, Maineville, OH 45039
  • /14

    $542,900 New Construction

    • 3 - 5 Beds
    • 2.5 - 4.5 Baths
    • 2,514+ Sq Ft

    Bucknell Plan at Miller Farm - Signature Collection, Delaware, OH 43015

    Welcome home to the Bucknell, a 2-story home available from our exclusive Signature Series. This floorplan does not only have exquisite curb appeal, the home design offers an array of options that will allow you to make this plan fit your personal needs and style. Options such as fourth or fifth bedrooms, or one to two additional full baths for extended family, or overnight guests. The exterior

    M/I Homes Builder
    1794 Maple Heights Dr Unit 36495605, Delaware, OH 43015
  • /51

    $554,990 New Construction

    • 4 - 5 Beds
    • 2.5 - 4.5 Baths
    • 2,731 Sq Ft

    Wyatt Plan at Stockdale Farms - Designer Collection, Delaware, OH 43015

    The Wyatt by Fischer Homes offers a flexible and open design tailored for modern living. The main level features a versatile living or dining space that can be converted into a private study. The open-concept layout connects the family room, morning room, and kitchen, which boasts an expansive island with seating and a large walk-in pantry, with options for a pocket office and pantry or a morning

    Fischer Homes Builder
    329 Broad Furrows Ave Unit 36659701, Delaware, OH 43015
  • /42

    $478,900 New Construction

    • 4 Beds
    • 2.5 - 5 Baths
    • 2,801+ Sq Ft

    Quentin Plan at Trailhead - Trailhead Sequoia, Harrison, OH 45030

    Open space and clean, modern lines characterize the Quentin floor plan, giving you that refreshed, rejuvenated feeling that home is supposed to. The home office just off the main foyer is perfect for working from home. Step up the elegance in the dining room with the tray ceiling option, if you like. The spacious family room offers a comfy optional corner fireplace. The breakfast room and kitchen

    Drees Homes Builder
    1330 Trailhead St Unit 37231851, Harrison, OH 45030
  • /13

    $451,900 New Construction

    • 2 - 4 Beds
    • 2 - 3 Baths
    • 1,810+ Sq Ft

    Morgan Plan at Reserve at Deer Run - Designer Collection, Cincinnati, OH 45233

    The Morgan by Fischer Homes is where luxury meets functionality in every detail. Upon entry, the Included Outdoor Living space beckons, seamlessly connecting to the open Family Room, Morning Room, and Kitchen. Optional Raised Ceilings add grandeur, while the Owner's Suite boasts privacy with its own entry hall, access to the Covered Patio, and a spacious bath with a walk-in closet layout. The

    Fischer Homes Builder
    2705 Buckridge Dr Unit 36659345, Cincinnati, OH 45233
  • /52

    Price To Be Determined New Construction

    • 3 Beds
    • 2.5 Baths
    • 2,155 Sq Ft

    Pendleton Plan, Springfield, OH 45503

    Discover the captivating Pendleton floor plan at Liberty Place in Moorefield, Ohio! The Pendleton is a two-story home that harmoniously combines comfort and functionality with contemporary style. This expansive layout offers around 2,155 square feet of living space, featuring 3 bedrooms and 2.5 bathrooms. The main level showcases a modern open concept that effortlessly connects the kitchen,

    1499 Willow Chase Dr Unit 38183925, Springfield, OH 45503
  • /33

    $420,990 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,330 Sq Ft

    Fairfax Plan at Linnview Crossing - Maple Street Collection, Pataskala, OH 43062

    The Fairfax by Fischer Homes offers a versatile and thoughtfully designed layout, perfect for modern living. The open kitchen features a large island with seating, a walk-in pantry, and options for customized morning room configurations or a 2-foot expansion. The family room can be enhanced with window configurations and an optional fireplace. Upstairs, the home includes four bedrooms with

    Fischer Homes Builder
    103 Heron Ave Unit 36659042, Pataskala, OH 43062
  • /14

    $583,900 New Construction

    • 4 - 5 Beds
    • 2.5 - 4.5 Baths
    • 3,008+ Sq Ft

    Fordham II Plan at Miller Farm - Signature Collection, Delaware, OH 43015

    The Fordham II is one of our newly designed floorplans in our Signature Series of homes. This 2-story home offers 4 to 5 bedrooms, 2-and-a-half to 4-full baths, a second-floor laundry room and ranges from 3,008 to 3,407 square feet. The Fordham offers a wide range of options to select from to personalize your new home. Choose from three distinct exteriors: The traditional, farmhouse, and

    M/I Homes Builder
    1794 Maple Heights Dr Unit 36452581, Delaware, OH 43015
  • /62

    $527,900 New Construction

    • 4 - 5 Beds
    • 2.5 - 5.5 Baths
    • 2,711+ Sq Ft

    Grandin Plan at Eastbrook Farms - Designer Collection, Springboro, OH 45066

    The Grandin by Fischer Homes offers a stunning and versatile design tailored for modern living. The main level features a soaring two-story family room and a light-filled morning room, seamlessly connected to an open kitchen with an expansive island and seating. A casual living space at the rear of the home can be customized into a private guest suite or a pocket office with a first-floor laundry

    Fischer Homes Builder
    280 Libby Hollow St Unit 38341535, Springboro, OH 45066
  • /50

    $244,995 New Construction

    • 3 Beds
    • 2 Baths
    • 1,354 Sq Ft

    Ashton Plan at Westbrook Meadows, Englewood, OH 45315

    Picture yourself in The Ashton a flexible ranch-style floorplan by Arbor Homes! Starting at 1,356 square feet, The Ashton offers a split layout ideal for families or first-time homeowners. Featuring three bedrooms and two full baths, this home provides plenty of room to personalize with your choice of finishes and upgrades.Step inside from the inviting front porch to a bright, open layout. Two

    Arbor Homes Builder
    0 Meadowsweet Dr Unit 36472472, Englewood, OH 45315
  • /21

    $361,900 New Construction

    • 3 Beds
    • 2 Baths
    • 1,730+ Sq Ft

    DaVinci Plan at Harvest Meadows - Maple Street Collection, Batavia, OH 45103

    The DaVinci by Fischer Homes offers a flexible and thoughtfully designed layout perfect for modern living. The home features an owners suite with a walk-in closet and the option for a direct laundry room connection for added convenience. The open kitchen design includes a large island with seating and flows seamlessly into the expansive family room, which can be enhanced with an optional tray

    Fischer Homes Builder
    2007 Harvest Meadows Ave Unit 36658833, Batavia, OH 45103
  • /50

    $347,990 New Construction

    • 5 Beds
    • 3 Baths
    • 2,600 Sq Ft

    Henley Plan at Leasure Farms, Zanesville, OH 43701

    Introducing the Henley floor plan, Columbus buyer’s favorite two-story new construction home, highly sought after for its spacious design and flexibility which is perfect for multi-generational living. Offering 5 large bedrooms and 3 full baths within 2600 square feet, the Henley combines comfort, functionality, and style. The main level features a bright study/home office and a private in-law

    D.R. Horton Builder
    3870 Frazeysburg Rd Unit 38545635, Zanesville, OH 43701
  • /45

    $899,900

    • 4 Beds
    • 3.5 Baths
    • 3,187 Sq Ft

    1214 Normandy Rue, Sugarcrk Township, OH 45458

    Welcome to the stunning Quinn floorplan, located on a desirable corner lot in the highly sought-after Soraya Farms community. This beautiful home features 4 spacious bedrooms, 3.5 luxurious baths, and a 3-car side-entry garage, providing ample space for both family living and entertaining. As you enter, you'll immediately notice the thoughtful design and high-end finishes. The gourmet kitchen is

    Ryan Reed Design Homes & Development Co.

    1214 Normandy Rue, Sugarcrk Township, OH 45458
  • /43

    $300,900 New Construction

    • 2 Beds
    • 1.5 Baths
    • 1,247 Sq Ft

    Wembley Plan at Parkview - Paired Patio Home Collection, Cincinnati, OH 45150

    The Wembley by Fischer Homes offers a beautifully designed open floor plan with an island kitchen, perfect for modern living and entertaining. The main level features a first-floor owners suite with a spacious walk-in closet and the option to add a double vanity in the owners bath. Enjoy versatile spaces with an included living room that can be upgraded to a private study. Outdoor living is

    Fischer Homes Builder
    1610 Scenicview Ln Unit 36659176, Cincinnati, OH 45150
  • /29

    $503,900 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,227+ Sq Ft

    ASHTON Plan at Lakeview Pines, Wadsworth, OH 44281

    The Ashton is so well-designed that you won't believe how many choices you have when customizing the floor plan. It starts in the foyer with an optional built-in bench flanked by two cloak closets. Brilliant! Then there's the formal room with an optional tray ceiling for you to express how you entertain. Fabulous! The family living area can have a relaxing fireplace, if you wish. Plus, the

    Drees Homes Builder
    0 Ridgewood Rd Unit 37220905, Wadsworth, OH 44281
  • /26

    $613,900 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,929+ Sq Ft

    Grayson Plan at Shaker Run - Masterpiece Collection, Lebanon, OH 45036

    The Grayson by Fischer Homes offers a distinctive design that blends style and functionality. The home features a unique light-filled corner staircase at the front entry, paired with 9-foot ceilings on the first floor for an open and airy feel. The family room and kitchen layout create a seamless flow, with options for a hearth room expansion or a prep kitchen or pocket office in place of the

    Fischer Homes Builder
    896 Shadow Wood Dr Unit 36659587, Lebanon, OH 45036
  • /43

    $801,990 New Construction

    • 4 - 6 Beds
    • 2 - 5 Baths
    • 4,069+ Sq Ft

    Paxton Plan at Alton Place - Masterpiece Collection, Hilliard, OH 43026

    The Paxton by Fischer Homes offers an innovative five-level design with a spacious and elegant layout. The two-story foyer and family room create a grand entrance, complemented by 9-foot ceilings on the main level and a soaring 10-foot ceiling in the rec room. The kitchen features an extra-large island, a large pantry, and the option to include a butlers pantry for added functionality. Customize

    Fischer Homes Builder
    2504 Sycamore Trace St Unit 36658236, Hilliard, OH 43026
  • /40

    $502,900 New Construction

    • 3 - 6 Beds
    • 2.5 - 4.5 Baths
    • 2,457 Sq Ft

    Charles Plan at Salt Run Preserve - Designer Collection, Maineville, OH

    The Charles by Fischer Homes offers a thoughtfully designed layout with spacious living areas and modern features. The entry foyer welcomes you into the home, leading to an included living room or optional dining area. The two-story family room creates a bright and open centerpiece, seamlessly connecting to the kitchen with an oversized walk-in pantry. The first-floor owners suite features a

    Fischer Homes Builder
    0 Designer Collection St Unit 38251858, Maineville, OH
  • /11

    $461,900 New Construction

    • 2 Beds
    • 2 Baths
    • 1,628+ Sq Ft

    Augusta Plan at Hill Farm - Retreat, Hilliard, OH 43026

    Welcome to the Augusta in our Retreat Series! This floorplan is open and functional, flowing seamlessly from the foyer into the dining room, kitchen, and family room. If you're looking for a convenient and spacious ranch home with a screened-in porch and fenced backyard, this thoughtfully designed layout may be the right fit for you.

    M/I Homes Builder
    6960 Gelderland Dr Unit 36462038, Hilliard, OH 43026
  • /52

    $400,990 New Construction

    • 2 - 3 Beds
    • 2 - 3 Baths
    • 1,621 Sq Ft

    Preston Plan at Skybrook - Maple Street Collection, Marysville, OH 43040

    The Preston by Fischer Homes offers a versatile and inviting design with thoughtful features throughout. The open family room includes an optional tray ceiling and electric fireplace, while the morning room offers customizable window and door configurations or an optional bay window for added charm. The kitchen features a large island with seating and a spacious walk-in pantry. Choose between

    Fischer Homes Builder
    1712 Skyview Dr Unit 36659658, Marysville, OH 43040
  • /50

    $1,145,000

    • 5 Beds
    • 4.5 Baths
    • 5,268 Sq Ft

    1142 Tote Rd, Rock Creek, OH 44084

    Stunning 5-bedroom log cabin on 17.60 acres, featuring 4 full bathrooms, 1 half bath, and a 3-car attached garage with heated floor. Whether you’re looking for a forever home or a strong investment opportunity, this property delivers. The home borders the Grand River, offering picturesque views throughout. The main level features a living room with vaulted wood-beamed ceilings, a converted

    Jeffrey Carducci McDowell Homes Real Estate Services

    1142 Tote Rd, Rock Creek, OH 44084

Showing Results 481 - 520, Page 13 of 18

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