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Palm Desert, CA 1-Story Homes for Sale

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  • /40

    $1,299,000

    • 6 Beds
    • 4 Baths
    • 2,700 Sq Ft

    74626 Lavender Way, Palm Desert, CA 92260

    Welcome to this exceptional and upgraded residence located in one of Palm Desert's most sought-after neighborhoods. Situated on an expansive 10,454 square foot lot, this beautifully reimagined home offers the perfect blend of privacy, luxury, and resort-style living. Thoughtfully designed with high-end finishes and modern comforts. The gourmet kitchen has been completely remodeled with premium

    Mallory Hart Compass

    74626 Lavender Way, Palm Desert, CA 92260
  • /27

    $435,000

    • 2 Beds
    • 2 Baths
    • 1,330 Sq Ft

    76781 Daffodil Dr, Palm Desert, CA 92211

    Sitting just off the 17th green and ideally located within the exclusive guard-gated Palm Valley Country Club, this end-unit condo is ready to make your resort-style living dreams come true. Tastefully updated throughout with upgraded kitchen and bathrooms, plantation shutters, and a brand new HVAC system, your paradise awaits. Catch the sunset over the lake just off the back patio or take in the

    Andrew Dye KELLER WILLIAMS-LA QUINTA

    76781 Daffodil Dr, Palm Desert, CA 92211
  • /62

    $999,000

    • 3 Beds
    • 2.5 Baths
    • 2,474 Sq Ft

    41728 Via Treviso, Palm Desert, CA 92260

    MAJOR PRICE IMPROVEMENT! Experience the perfect blend of luxury and comfort in this stunning 3-bedroom, 2.5-bath home, nestled in the exclusive gated Venezia community. Designed for effortless indoor-outdoor living, this home is ideal as a full-time residence or vacation getaway. The open-concept living area features a chef's kitchen with sleek granite countertops, premium appliances, and a

    Franz Rodriguez Desert Lifestyle Properties

    41728 Via Treviso, Palm Desert, CA 92260
  • /53

    $1,120,000

    • 3 Beds
    • 3 Baths
    • 2,372 Sq Ft

    72205 El Paseo Unit 1703, Palm Desert, CA 92260

    3-bedroom, 3-bath Sandpiper condo at 2,372 square feet, offers a desert-modern design with dual-paned sliders throughout, high ceilings, clerestory windows, and a gorgeous floor to ceiling tiled living room fireplace. Custom wood shutters and draperies frame the poolside patio view without ever distracting from the southwestern panorama view of mountains, greenbelt, and pool area. The living room

    Darren Shay Coldwell Banker Realty

    72205 El Paseo Unit 1703, Palm Desert, CA 92260
  • /51

    $679,000

    • 2 Beds
    • 2 Baths
    • 1,584 Sq Ft

    332 Villena Way, Palm Desert, CA 92260

    Beautifully updated and fully furnished corner unit is now available for sale. Enjoy beautiful views of the golf course and mountains that capture the ultimate desert living. Interior was recently redesigned for a posh look. Step inside to discover a tasteful interior with open dining and living area enhanced by a cozy fireplace. The patio is also fully furnished with an outdoor sectional couch

    Pascal Chheng T.N.G. Real Estate Consultants

    332 Villena Way, Palm Desert, CA 92260
  • /36

    $315,000

    • 2 Beds
    • 2 Baths
    • 1,920 Sq Ft

    74577 Azurite Cir E, Palm Desert, CA 92260

    Great Summer price reduction- leaving room for you to update baths & flooring! Great Active 55+ gated,land- owned Palm Desert Portola Country Club.Contemporary,Spacious,Top of Line Silvercrest model available for your viewing. Permanent foundation,New CAC & roof replaced in 2018,freshly painted interior- Over 1900' with drywall throughout, cathedral ceilings, 2 BR+Den with built-in cabinetry, a

    Cynthia Crist Cynthia Crist, Broker

    74577 Azurite Cir E, Palm Desert, CA 92260
  • /64

    $1,150,000

    • 3 Beds
    • 3 Baths
    • 2,615 Sq Ft

    72955 Deer Grass Dr, Palm Desert, CA 92260

    Located in the highly sought-after Canyon Cove neighborhood of South Palm Desert, this charming 3-bedroom + den, 3-bathroom home offers breathtaking mountain views and an ideal desert lifestyle. Step inside and you're welcomed by a spacious atrium that fills the home with natural light and opens into a generous living and dining area--perfect for entertaining. At the rear of the home, the kitchen

    Diane Busch Equity Union

    72955 Deer Grass Dr, Palm Desert, CA 92260
  • /45

    $849,000

    • 3 Beds
    • 3.5 Baths
    • 2,859 Sq Ft

    36411 Tallowood Dr, Palm Desert, CA 92211

    Sun City Palm Desert - Greatrooom Portofino. Ideally located in the almost the exact center of the community, just around the corner from the Sunset View Clubhouse, this is one of Sun City's most popular greatroom homes. It provides 3 ensuite bedrooms, a powder room and formal dining in addition to the spacious greatroom. The home features a beautiful resort like rear yard with a pebbletec pool

    Michael Horne Compass

    36411 Tallowood Dr, Palm Desert, CA 92211
  • /36

    $995,000

    • 3 Beds
    • 3 Baths
    • 1,987 Sq Ft

    74582 Fairway Dr, Palm Desert, CA 92260

    This private, gated Mid-Century residence with bold architectural details offers open-concept living and an ideal indoor/outdoor lifestyle. The current owners have modernized the property throughout: installing quality neutral stone tile flooring; remodeling the kitchen with a designer tile backsplash, quartz countertops, and stainless steel appliances; fully renovating all bathrooms with accent

    Mike Patakas Desert Sotheby's International Realty

    74582 Fairway Dr, Palm Desert, CA 92260
  • /40

    $959,000

    • 4 Beds
    • 3.5 Baths
    • 2,845 Sq Ft

    38170 Tandika Trail N, Palm Desert, CA 92211

    Discover the desert lifestyle where comfort and casual elegance meet natural beauty. This property features a charming, furnished casita, & elevated golf course and mountain views. The spacious interior boasts an open living room with sweeping window expanses & vaulted ceilings. A striking 2-way fireplace creates a warm ambiance, while a stylish sit-down wet bar enhances the space's inviting

    Joan MacPherson Bennion Deville Homes

    38170 Tandika Trail N, Palm Desert, CA 92211
  • /42

    $399,000

    • 2 Beds
    • 2 Baths
    • 1,392 Sq Ft

    77605 Woodhaven Dr N, Palm Desert, CA 92211

    Welcome to Woodhaven Country Club--where luxury, comfort, and convenience come together in the heart of Palm Desert. This beautifully maintained Oakmont model offers exceptional value, featuring 2 spacious bedrooms and 2 bathrooms with stunning southern views of the mountains and golf course. The interior is thoughtfully designed with tile flooring throughout and warm bamboo in the bedrooms.

    Brad Schmett Brad Schmett Real Estate Group

    77605 Woodhaven Dr N, Palm Desert, CA 92211
  • /4

    $477,750

    • 2 Beds
    • 2 Baths
    • 1,430 Sq Ft

    43029 Texas Ave, Palm Desert, CA 92211

    Highly Upgraded Golf Course Home in Palm Desert CCWelcome to your dream home in the heart of Palm Desert Country Club! This beautifully upgraded 2 bedroom, 2 bath home offers an open and airy layout filled with natural light and high-end finishes throughout. Thoughtfully designed for both comfort and style, this home also includes a versatile bonus room--perfect as an art studio, gym, or home

    Kathleen O'Brien Coldwell Banker Realty

    43029 Texas Ave, Palm Desert, CA 92211
  • /33

    $549,000

    • 2 Beds
    • 2 Baths
    • 1,245 Sq Ft

    41317 Princeville Ln, Palm Desert, CA 92211

    This absolutely stunning, completely reimagined floor plan (used to be a Classic) in The Resorter is nothing like you've never seen before! Custom curated from floor to ceiling to be a one-of-a-kind masterpiece, owner spared no expense for perfection, investing well over $200k into this unit. Enter through the front door into the open great room with a vast kitchen and dedicated dining area. The

    Erinn Frisbie Compass

    41317 Princeville Ln, Palm Desert, CA 92211
  • /18

    $374,000

    • 2 Beds
    • 2 Baths
    • 1,157 Sq Ft

    38406 Brandywine Ave, Palm Desert, CA 92211

    Sun City Palm Desert - Gorham. Located a short distance to the Mountain View Clubhouse and Fitness Center. The home has a spacious, private east-facing rear yard with peekaboo mountain views and a covered patio surrounded by lush landscaping including citrus. Inside, 10ft ceilings and transom windows provide a light and open environment. Tile flooring is in all but the bedrooms. Shutters are

    Michael Horne Compass

    38406 Brandywine Ave, Palm Desert, CA 92211
  • /39

    $430,000

    • 2 Beds
    • 2 Baths
    • 1,303 Sq Ft

    279 San Remo St, Palm Desert, CA 92260

    A popular 20 plan in Monterey Country Club offered furnished per inventory list, making it move-in-ready or immediately rentable. Entry is through a lush private tiled courtyard with a large dining table, and a barbecue for your outdoor dining experience. Upon entering enjoy a light, bright and just-enough-color-to-pop atmosphere. The kitchen opens to the living/dining room with a breakfast

    Terry Murphy Bennion Deville Homes

    279 San Remo St, Palm Desert, CA 92260
  • /36

    $845,000

    • 2 Beds
    • 2.5 Baths
    • 2,208 Sq Ft

    431 N Sierra Madre, Palm Desert, CA 92260

    This south facing residence is the perfect blend of comfort, style, and functionality. Featuring two spacious bedrooms, each with en suite bathrooms. This home also offers a large bonus room that can easily be used as a family room, media space, home office or an extra bedroom. Enjoy the sun drenched days on the beautifully tiled back patio with stunning views of the southern mountain range and

    Daniel Ferretti Equity Union

    431 N Sierra Madre, Palm Desert, CA 92260
  • /32

    $1,030,000

    • 3 Beds
    • 3 Baths
    • 2,680 Sq Ft

    73880 Grapevine St, Palm Desert, CA 92260

    SELLER FINANCING AVAILABLE - Move into this house within 30 days for as little as $130,000 ! | Seller will carry 1st note of $900k @ 6% interest only for 3 years max. ( This is subject to approved credit, employment/sufficient income verification, and background check ) | Rarely available single family detached home on Shadow Mountain Golf course - NO HOA | This home is frozen in time and

    Steve Mogavero Desert Properties of Coachella Valley

    73880 Grapevine St, Palm Desert, CA 92260
  • /15

    $560,000

    • 2 Beds
    • 2 Baths
    • 1,619 Sq Ft

    46395 Ryway Place Unit 9, Palm Desert, CA 92260

    Welcome to this beautifully upgraded, split-level 2-bedroom plus bonus room, 2-bathroom townhome located in a peaceful cul-de-sac in the heart of South Palm Desert. With over 1,600 sq. ft. of bright and airy living space, mountain views from nearly every room. This home offers both comfort and style. Interior Features: Spacious living room with soaring ceilings, gas fireplace, abundant natural

    Robyn Madgett Keller Williams Luxury Homes

    46395 Ryway Place Unit 9, Palm Desert, CA 92260
  • /34

    $225,000

    • 2 Beds
    • 2 Baths
    • 1,728 Sq Ft

    73450 Country Club Dr Unit 76, Palm Desert, CA 92260

    Prestige Living in Suncrest Country Club - Palm Desert 55+ CommunityDiscover this inviting residence in the sought-after Suncrest Country Club, a vibrant 55+ community in the heart of Palm Desert. Offering an array of premium amenities including a beautifully maintained golf course, tennis courts, pickleball, a putting green, billiards room, community library, welcoming cafe, and a fully stocked

    Jumi Achermann Equity Union

    73450 Country Club Dr Unit 76, Palm Desert, CA 92260
  • /56

    $659,000

    • 3 Beds
    • 2 Baths
    • 1,895 Sq Ft

    43512 Via Magellan Dr, Palm Desert, CA 92211

    Welcome to your private desert oasis in the prestigious gated community of Desert Breezes, nestled in the heart of beautiful Palm Desert, CA.This stunning home offers resort-style living with 3 spacious bedrooms, 2 bathrooms, and a versatile office/den--perfect for working from home or accommodating guests. Thoughtfully upgraded throughout, this home is designed with both comfort and entertaining

    Juan Martinez JM Desert Real Estate

    43512 Via Magellan Dr, Palm Desert, CA 92211
  • /56

    $1,490,000

    • 5 Beds
    • 4.5 Baths
    • 3,297 Sq Ft

    75637 Montage Pkwy, Palm Desert, CA 92211

    BACK ON THE MARKET (pending cancellation) Welcome to this stunning 5-bedroom, 4.5-bathroom home in the highly desirable Montage community of Palm Desert. With over 3,200 sq. ft. of upgraded living space, this home offers both comfort and style. The open floor plan features spacious rooms, highlighted by plantation shutters, and a bright, airy ambiance throughout. The chef's kitchen boasts

    Anthony Bauer Coldwell Banker Realty

    75637 Montage Pkwy, Palm Desert, CA 92211
  • /11

    $1,150,000

    • 4 Beds
    • 4 Baths
    • 2,904 Sq Ft

    73133 Skyward Way, Palm Desert, CA 92260

    Motivated sellers bring your offers an exquisite south desert home close to el paseo with the best parks in the desert extremely motivated sellers call to schedule . Call to schedule 7608448095

    Spencer Collins Cal Mutual Inc.

    73133 Skyward Way, Palm Desert, CA 92260
  • /43

    $795,000

    • 2 Beds
    • 2 Baths
    • 2,208 Sq Ft

    240 Serena Dr, Palm Desert, CA 92260

    Stylishly designed and reimagined 3000 Plan with 2 bedrooms, another 2 dedicated rooms perfect for den/media, office, or hobby space, and a separate dining area. Sleek open kitchen with eating bar that connects to the living area featuring vaulted ceilings, a modern gas fireplace, and access to the spacious fenced patio for morning coffee or al fresco dining with golf course and mountain views.

    Suzanne Fromm HomeSmart

    240 Serena Dr, Palm Desert, CA 92260
  • /33

    $499,000

    • 2 Beds
    • 2 Baths
    • 1,303 Sq Ft

    146 Las Lomas, Palm Desert, CA 92260

    Welcome to your dream desert retreat in the prestigious, guard-gated community of Monterey Country Club. Nestled on a peaceful interior street, this beautifully updated single-story condo offers the perfect blend of luxury, comfort and resort-style living. As you approach, you're greeted by a charming, landscaped courtyard patio, ideal for alfresco dining under the glow of strung Edison lights—a

    Jeffery Egure KELLER WILLIAMS PREMIER PROPER

    146 Las Lomas, Palm Desert, CA 92260
  • /39

    $529,000

    • 3 Beds
    • 2.5 Baths
    • 2,348 Sq Ft

    573 Via de la Paz, Palm Desert, CA 92211

    A must see! Stunning Spanish Walk home! The second you walk in the door, you'll feel right at home! Light bright inviting design will have you wanting to move in. Custom touches and upgrades throughout showcase this well maintained 3 bedroom, 2.5 Bathroom, den and a loft space. 2,348 sq ft is one of the largest designs within Spanish Walk community. Enjoy the 2 separate patios with low

    Katariina Nousiainen Home & Slate Real Estate

    573 Via de la Paz, Palm Desert, CA 92211
  • /39

    $899,999

    • 3 Beds
    • 2 Baths
    • 2,165 Sq Ft

    74377 Andrews Dr, Palm Desert, CA 92211

    Welcome to this stunning modern-contemporary home in the heart of University Park, Palm Desert. This elegant 3-bedroom, 2-bathroom residence, inspired by mid-century modern design, offers 2,165 square feet of living space on an expansive 12,000-square-foot lot, making it the largest in the community. Loaded with over $400,000 in custom upgrades, this home is the epitome of a designer's touch and

    Kyle Garman Keller Williams Realty

    74377 Andrews Dr, Palm Desert, CA 92211
  • /37

    $485,000

    • 2 Beds
    • 2 Baths
    • 1,330 Sq Ft

    182 Desert Falls Cir, Palm Desert, CA 92211

    Welcome to 182 Desert Falls Circle - loved by all Desert Fallsians! Single Level -and a Total Upscale Remodel - Gorgeous Kitchen with slab granite, also beautifully remodeled bathrooms - Phantom screen doors in kitchen & primary bedroom door as well as entry door. Fabulous Tile flooring with huge tiles. Epoxy floor in full two car garage. Great cabinets too. - ALL New windows throughout!

    Francesca Vacatello Showcase Homes, Inc.

    182 Desert Falls Cir, Palm Desert, CA 92211
  • /55

    $394,500

    • 2 Beds
    • 2 Baths
    • 1,330 Sq Ft

    292 Desert Falls Dr E Unit 90, Palm Desert, CA 92211

    Welcome to 292 Desert Falls Dr East -The Brightest -Open & Scenic upper-level property in Desert Falls CC! Terrific two bedroom, two bath, both fully remodeled, Property offering lovely unobstructed open views of a park like setting in a quiet interior location! Sunny and naturally bright! Remodeled kitchen - has single, newer, door leading to another little patio, offering much privacy for

    Francesca Vacatello Showcase Homes, Inc.

    292 Desert Falls Dr E Unit 90, Palm Desert, CA 92211
  • /16

    $535,000

    • 2 Beds
    • 2 Baths
    • 1,342 Sq Ft

    76826 California Dr, Palm Desert, CA 92211

    Welcome to your new desert sanctuary! This beautifully updated 2-bedroom, 2-bathroom home is nestled in the coveted Palm Desert Country Club, offering a perfect blend of modern upgrades and classic desert charm.Step inside to find a spacious and bright open-concept layout featuring beautiful porcelain tile throughout, highlighted by a newly updated kitchen featuring sleek quartz countertops,

    Erik Isaacson Windermere Real Estate

    76826 California Dr, Palm Desert, CA 92211
  • /49

    $1,350,000

    • 4 Beds
    • 3 Baths
    • 2,781 Sq Ft

    73112 Bel Air Rd, Palm Desert, CA 92260

    Located in one of the most sought-after neighborhoods in the Coachella Valley, this South Palm Desert gem is an entertainer's paradise. With 4 spacious bedrooms, 3 bathrooms, and nearly 2,800 square feet of upgraded living space, this home effortlessly blends comfort, style, and functionality. The welcoming south-facing front courtyard sets the tone for relaxed desert living. Inside, the open and

    Steve Enlow Desert Sands Realty

    73112 Bel Air Rd, Palm Desert, CA 92260
  • /57

    $899,000

    • 3 Beds
    • 2.5 Baths
    • 2,415 Sq Ft

    78200 Willowrich Dr, Palm Desert, CA 92211

    55+ Del Webb Sun City Palm Desert. The ''Best Bang for your Buck'' active retirement community in the whole Coachella Valley! This highly sought after 3 bedroom Marquis Estate model with BRAND NEW sparkling and refreshing POOL and SPA! The home is located close to the main Mountain View Clubhouse and sits on a large elevated NW facing lot with spectacular panoramic golf course and mountain

    Lynda Reich HomeSmart

    78200 Willowrich Dr, Palm Desert, CA 92211
  • /39

    $1,250,000

    • 5 Beds
    • 4 Baths
    • 2,904 Sq Ft

    73117 Haystack Rd, Palm Desert, CA 92260

    This house has everything you need to relax, entertain and to make it home. Here in the heart of South Palm Desert rests a rustic Southwestern Ranch style home - a generous 2900 square foot retreat on 11,760 square feet of land. It is just minutes away from El Paseo Drive with its many shops and restaurants. This 5BR 4BA home is turn-key furnished. You will love the light interior, featuring

    Dick Sacowicz Re/Max Desert Properties

    73117 Haystack Rd, Palm Desert, CA 92260
  • /46

    $749,000

    • 4 Beds
    • 2.5 Baths
    • 2,158 Sq Ft

    127 Romanza Ln, Palm Desert, CA 92211

    Refreshed with professional photos!Highly upgraded smart home situated on a hug 10,000sq ft lot! This 4bd/3ba home comes with a new, remotely controlled, solar heated salt water pool, spa, and even a car charging station! Enjoy your new rear yard landscaping and stone pool decking, as well as a newer refrigerator, washer/dryer, and new ACs! The additional 4th bedroom with NEW custom French doors

    Meredith Bettencourt Berkshire Hathaway HomeServices California Properties

    127 Romanza Ln, Palm Desert, CA 92211
  • /50

    $349,997

    • 2 Beds
    • 2 Baths
    • 1,584 Sq Ft

    73851 Desert Greens Dr S, Palm Desert, CA 92260

    Just reduced for quick sale, Welcome to your ideal residence! This beautifully remodeled 2-bedroom, 2-bathroom home is situated on a permanent foundation, allowing for hassle-free financing.Enter to find a stunning kitchen equipped with brand-new appliances, stylish countertops, and custom cabinetry that make cooking enjoyable. Both bathrooms have been elegantly updated with contemporary

    Adam Terrero KW Coachella Valley

    73851 Desert Greens Dr S, Palm Desert, CA 92260
  • /38

    $675,000

    • 3 Beds
    • 3 Baths
    • 1,737 Sq Ft

    73417 Foxtail Ln, Palm Desert, CA 92260

    Two story Courtyard Villa townhouse with 3-bedrooms & 3-baths. This private floorplan has bedrooms nicely divided with one upstairs suite and large patio deck. Living room has open kitchen remodeled and updated. Downstairs patio is walled & gated with private in-ground spa. Every room has a patio area. Updated HVAC and epoxy garage flooring. Newer fixtures, counters & cabinets plus tile & wood

    Marilyn Ford Bennion Deville Homes

    73417 Foxtail Ln, Palm Desert, CA 92260
  • /41

    $579,000

    • 2 Beds
    • 2 Baths
    • 1,303 Sq Ft

    111 Juan Cir, Palm Desert, CA 92260

    Proudly presented by Marvelous Desert Homes Welcome to this stunning, fully remodeled 2-bedroom, 2-bath condo in the heart of Monterey Country Club in Palm Desert. Offered fully furnished, this home is the perfect blend of luxury, comfort, and desert charm. The heart of the home is the brand-new kitchen, where the wall has been removed to create an open and inviting floor plan that flows

    Marvel Kay Peterson HomeSmart

    111 Juan Cir, Palm Desert, CA 92260
  • /33

    $495,000

    • 3 Beds
    • 2 Baths
    • 1,584 Sq Ft

    44602 Monaco Cir, Palm Desert, CA 92260

    Welcome to a fabulous condo situated in the heart of Palm Desert's dining, shopping, and entertainment district. Just a 15-minute walk to the lively El Paseo, this 3-bedroom, 2-bathroom townhome offers 1,584 square feet of living space in the highly sought-after guard-gated community of Hidden Palms. Step inside to discover a light and bright layout, featuring a spacious living area with new

    Joe Vetrano Compass

    44602 Monaco Cir, Palm Desert, CA 92260
  • /35

    $320,000

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

    74132 Angels Camp Rd, Palm Desert, CA 92260

    Dont miss out on this Summer Price Reduction! 55+Active Portola Country Club resort home turnkey furnished, garage & pristine 18 hole par3 golf course. Mountain & golf course views are yours from your front patio. Inside you will enjoy the open feeling of cathedral windows & ceilings, luxury laminate flooring and tastefully furnished living areas including the great comfy sectional for watching

    Cynthia Crist Cynthia Crist, Broker

    74132 Angels Camp Rd, Palm Desert, CA 92260
  • /37

    $416,999

    • 2 Beds
    • 2 Baths
    • 1,312 Sq Ft

    38517 Nasturtium Way, Palm Desert, CA 92211

    Looking for your dream getaway or a fantastic investment opportunity? Look no further! This wonderful two-bedroom, two-bath condo at Palm Valley Country Club has been an excellent rental and is perfect for a weekend retreat, full-time residence, or an income-producing property.Featuring direct garage access and a convenient laundry room, this condo comes fully furnished, just bring your clothes

    Teri Finley Windermere Real Estate

    38517 Nasturtium Way, Palm Desert, CA 92211
  • /55

    $1,650,000

    • 4 Beds
    • 4 Baths
    • 2,091 Sq Ft

    49108 Quercus Ln, Palm Desert, CA 92260

    Embrace Desert Living with Casual Elegance at Ironwood Country ClubWelcome to this beautifully updated residence in the prestigious Ironwood Country Club, where sophistication blends effortlessly with the relaxed desert lifestyle. This 4-bedroom, 4-bath home includes a private-entry casita, offering ultimate flexibility for guests or personal use. Each ensuite bedroom features access to its own

    Rosemary Snow Hunter and Maddox Intl.

    49108 Quercus Ln, Palm Desert, CA 92260

Showing Results 281 - 320, Page 8 of 18

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