943

Homes for Sale near Adventist Christian Academy

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  • /106

    $1,290,000

    • 4 Beds
    • 4 Baths
    • 4,776 Sq Ft

    3603 Dragon Ridge Rd, Panama City Beach, FL 32408

    Wow - Price improvement of $100,000 on this luxury custom home!!! Nestled in a serene setting with views of a pond and golf course, this one-of-a-kind custom home featuring 4 bedrooms, 4 full baths, screened in pool, and 3 car garage offers timeless elegance and functional luxury. A large front porch and gorgeous solid walnut front door set the tone for the inviting interior, where thoughtful

    Michele Morros Keller Williams Success Realty

    3603 Dragon Ridge Rd, Panama City Beach, FL 32408
  • /33

    $299,900 Open House 9/22

    • 3 Beds
    • 2.5 Baths
    • 1,691 Sq Ft

    1202 Louisiana Ave, Panama City, FL 32401

    **Bring All Offers!****LENDER INCENTIVES: Closing cost credit and/or rate buy-down available from preferred Lender. Contact Listing Agent for more information.** Welcome to 1202 Louisiana Ave, Panama City, FL, a custom-built brick home designed with Miami-inspired storm protection and innovative functionality. This 3-bedroom, 2.5-bathroom home was built with safety and durability

    Brad Amerson LLC Compass Florida, LLC

    1202 Louisiana Ave, Panama City, FL 32401
  • /24

    $99,000

    • Land
    • 0.11 Acre
    • $900,000 per Acre

    5249 Kingston Cir, Panama City, FL 32408

    Residential lot available in the highly sought-after Martinique neighborhood. This gated community offers a range of amenities, including a pool, playground, pavilion, basketball court, and walking trails. Just beyond the gates, popular restaurants like Capt. Anderson's and The Grand Marlin are within walking distance. Lighthouse Marina and St. Andrews Park are only minutes away, providing easy

    Zack Seltzer Seltzer Real Estate, LLC

    5249 Kingston Cir, Panama City, FL 32408
  • /5

    $75,000

    • Land
    • 0.52 Acre
    • $144,231 per Acre

    2209 E 9th St, P C Beach, FL 32401

    Build your dream home, investment duplex, or charming tiny home cottage quarters with central green-scapes on this spacious 0.524-acre vacant lot at 2209 9th Street E, located in the heart of Panama City, Florida. This cleared and ready-to-build lot offers outstanding flexibility and development potential in one of the most convenient areas of central Panama City.Enjoy close proximity to Joe

    Danielle Kemp CENTURY 21 Ryan Realty Inc

    2209 E 9th St, P C Beach, FL 32401
  • /2

    $70,000

    505 Virginia Ave, Lynn Haven, FL 32444

    This lot is mostly cleared. A few trees left for that shade! Large lot that was divided to two separate building lots.Near the Bay and has an elevation of 5 ft. Such a great location and near all the fun Lynn Haven has to offer!!

    Teresa Dyer Realty One of Northwest Florida LLC

    505 Virginia Ave, Lynn Haven, FL 32444
  • /83

    $874,900

    • 4 Beds
    • 3.5 Baths
    • 3,200 Sq Ft

    337 Watson Bayou Cir, Panama City, FL 32401

    Welcome to your dream home in the coveted Cove Pointe community - where luxury meets comfort in this beautifully crafted new construction masterpiece. Boasting over 3,200 square feet of living space, this elegant 2-story residence features 4 spacious bedrooms and 3.5 beautifully appointed baths, thoughtfully designed for modern living and effortless entertaining.Enjoy sweeping, unobstructed views

    Robbie Hughes Counts Real Estate Group

    337 Watson Bayou Cir, Panama City, FL 32401
  • /70

    $500,000

    • 4 Beds
    • 2.5 Baths
    • 2,482 Sq Ft

    3204 Airport Rd, Panama City, FL 32405

    OPEN HOUSE SUNDAY AUGUST 24TH (1-3PM)Don't miss this stunning, newly built 2,482 SQFT Captiva floor plan in the highly desirable community of SweetBay! This thoughtfully upgraded home boasts the charming Boat Builder elevation and offers 4 spacious bedrooms, 2.5 bathrooms, a dedicated office, and a detached 2-car garage.Step through the impressive glass front door and enjoy

    Vianah Seamon Anchor Realty Florida

    3204 Airport Rd, Panama City, FL 32405
  • /5

    $780,000

    0 W 12th St Unit A11837641, Panama City, FL 32401

    Exceptional development opportunity in Panama City, Florida! This 5.11-acre MU-2 zoned property offers the potential to build up to 51 multifamily units by right, with additional density possible under Florida’s Live Local Act.The site features paved road frontage on W 12th Street, utilities nearby, and close proximity to W 15th Street, the area’s main commercial corridor with shopping,

    Damaso Medina United Realty Group Inc

    0 W 12th St Unit A11837641, Panama City, FL 32401
  • /25

    $349,600

    • 4 Beds
    • 2 Baths
    • 1,748 Sq Ft

    3334 10 Acre Rd, Panama City, FL 32405

    Built in 2018, this beautifully maintained 4 bedroom, 2 bathroom home offers just under 1800 sq ft of modern living with LVP flooring, new carpet in the primary bedroom and custom accent walls throughout. The open layout is filled with natural light, perfect for everyday comfort or entertaining.Enjoy a low maintenance yard, underground utilities and a convenient location close to schools,

    Miranda Barnes Beachy Beach Real Estate

    3334 10 Acre Rd, Panama City, FL 32405
  • /68

    $649,900

    • 4 Beds
    • 2.5 Baths
    • 2,119 Sq Ft

    1009 N Discovery Loop, Panama City, FL 32405

    Watch the stunning sunsets of SweetBay from your front porch! The Avalon Plan with a wrap around porch has amazing views of the bay. 4 bedroom, 2 1/2 baths detached 3 car garage. Primary bedroom is located on the main level. Open living, dining and kitchen makes for comfortable living. Loft and 3 bedrooms on the second level with beautiful views from the loft and front bedroom. Covered lanai

    Kelly Moody SweetBay Realty

    1009 N Discovery Loop, Panama City, FL 32405
  • /72

    $1,149,000

    • 4 Beds
    • 2.5 Baths
    • 3,146 Sq Ft

    122 Dragon Cir, Panama City, FL 32408

    Experience exceptional living in this custom home located in the prestigious gated community of Bay Point. Perfectly positioned on the 11th hole of the renowned Nicklaus Golf Course, this meticulously maintained residence offers a rare blend of luxury, function, and privacy. Featuring 3 bedrooms, 2.5 bathrooms, and a dedicated office or study that can serve as a fourth bedroom, this home provides

    Zack Seltzer Seltzer Real Estate, LLC

    122 Dragon Cir, Panama City, FL 32408
  • /31

    $254,997

    • 2 Beds
    • 2.5 Baths
    • 1,420 Sq Ft

    4300 Bay Point Rd Unit 437, Panama City Beach, FL 32408

    Turnkey Investment Opportunity in Bay Point - Panama City BeachWelcome to Bay Point, one of Panama City Beach's most desirable gated communities—home to world-class golf, boating, dining, and relaxation. This 2-bedroom, 2.5-bath golf villa offers 1,420 square feet of comfortable living space just steps from the Bay Point Golf Club and a short stroll to the Point South Marina. Whether

    James Griffitts EXP Realty LLC

    4300 Bay Point Rd Unit 437, Panama City Beach, FL 32408
  • /41

    $379,000

    • 2 Beds
    • 3 Baths
    • 1,485 Sq Ft

    2400 Grandiflora Blvd Unit 406, Panama City Beach, FL 32408

    Live on the bay!You've been dreaming of a waterfront lifestyle. Why not surround yourself in a peaceful, luxurious setting at Magnolia Bay Club?This lower density, pet-friendly, gated complex is tucked away from the hustle and bustle of PCB but only minutes from two grocery stores and some of the areas best attractions and restaurants.Like to kayak or paddleboard? Slip your vessel from the sandy

    Janis Boatright Coldwell Banker Realty

    2400 Grandiflora Blvd Unit 406, Panama City Beach, FL 32408
  • /30

    $799,000

    • 3 Beds
    • 3.5 Baths
    • 2,678 Sq Ft

    5303 Hopetown Ln, Panama City, FL 32408

    Absolutely gorgeous home, in the much sought after gated beach community of Martinique. This unique and stunning home is one that you must see. From the moment you step inside, you will love the bright and airy feel of this home. The kitchen features top of the line stainless steel appliances and is open to the oversized living room area. The high ceilings have the added detail of custom-made

    Don Janovyak Emerald Coast Realty Group

    5303 Hopetown Ln, Panama City, FL 32408
  • /7

    $325,000

    • Land
    • 3.3 Acres
    • $98,485 per Acre

    1137 1/2 E 15th St, Panama City, FL 32405

    3.3 acres of light industrial vacant land on E 15th St . Approximately 125ft of road frontage. Great location for New Business lots of traffic ..

    Antonio Bellamy Beachy Beach Real Estate

    1137 1/2 E 15th St, Panama City, FL 32405
  • /55

    $570,000

    • 3 Beds
    • 2.5 Baths
    • 2,022 Sq Ft

    6504 Bridge Water Way Unit 606, Panama City Beach, FL 32407

    Welcome to Hibiscus by the Bay. A luxurious gated community providing the best in condo living on beautiful St. Andrews Bay. This 6th floor end unit is spacious with over 2000 sq ft of heated and cooled living area. A Large Waterfront balcony off living room and the master bedroom provide stunning views and the best sunrise in Panama City Beach! Hibiscus by the Bay is a very well maintained

    Chuck Peek Anchor Realty Florida

    6504 Bridge Water Way Unit 606, Panama City Beach, FL 32407
  • /30

    $356,000

    • 3 Beds
    • 2 Baths
    • 1,202 Sq Ft

    223 Woodlawn Ct, Panama City Beach, FL 32407

    Welcome to Woodlawn, one of Panama City Beach's most desirable neighborhoods! This beautifully updated 3-bedroom, 2-bath home combines comfort, convenience, and coastal charm—all just minutes from the Navy Base, shopping, and top-rated restaurants. Nestled at the end of a quiet cul-de-sac, it offers a peaceful setting with a true community feel.Step inside to find a bright open floor plan

    Amy Killian Beachy Beach Real Estate

    223 Woodlawn Ct, Panama City Beach, FL 32407
  • /56

    $1,199,000

    • 3 Beds
    • 3.5 Baths
    • 2,621 Sq Ft

    920 W Beach Dr, Panama City, FL 32401

    PRICE IMPROVEMENT on this stunning WATERFRONT home that offers two parcels - an exceptional opportunity to own the waterfront land on the BAY!Bring an offer on this waterfront home is positioned perfectly on picturesque Scenic Beach Drive, offering a unique blend of modern luxury and serene coastal living. This exquisite, recently renovated, one-story ranch-style home on .48 acres,

    Carly Sostheim Corcoran Reverie SRB

    920 W Beach Dr, Panama City, FL 32401
  • /46

    $550,000

    • 4 Beds
    • 3 Baths
    • 2,229 Sq Ft

    3104 Heartleaf Ave E, Panama City, FL 32405

    **Sellers are offering a $10,000 concession and can be used however you'd like - closing costs, rate buy down, etc.** Welcome to this beautifully maintained 3-bedroom, 2-bath home with a bonus carriage house, perfectly situated in the highly desirable Sweetbay neighborhood. The main home is 1,750 sq. ft. and offers a spacious, light-filled living area and a well-appointed kitchen

    Stephanie Roorda Realty One Group Emerald Coast

    3104 Heartleaf Ave E, Panama City, FL 32405
  • /60

    $365,000

    • 2 Beds
    • 2 Baths
    • 1,447 Sq Ft

    6500 Bridge Water Way Unit 1002, Panama City Beach, FL 32407

    REDUCED!!!SELLER PAYING $3000 TOWARDS CLOSING COSTS AND $5000 TOWARDS FLOORING ALLOWANCE. ''YOU W0NT BE DISAPOINTED IN THIS BEAUTIFUL CONDO OVERLOOKING THE HATHAWAY BRIDGE WITH A VIEW OF THE BAY FOR MILES'' Enjoy your favorite drink while sitting on the balcony watching amazing sunrises and moonlit nights. You'll never get bored looking at the beautiful boats, dolphins and birds of all kinds.

    Linda Kirk Coldwell Banker Realty

    6500 Bridge Water Way Unit 1002, Panama City Beach, FL 32407
  • /51

    $399,900

    • 2 Beds
    • 2 Baths
    • 1,335 Sq Ft

    4726 Bay Point Rd Unit C226, Panama City Beach, FL 32408

    What a difference a year makes! You would not believe the transformation of unit C226 in Building 5 @Harbour Villas in Bay Point- This extremely handsome unit will take your breath away, and so will the waterfront sunsets outside your windows! You always have a bird's-eye view of the gorgeous yachts that are docked outside your building! You will enjoy the weigh-ins at the popular Billfish

    Holli Persall ERA Neubauer Real Estate Inc

    4726 Bay Point Rd Unit C226, Panama City Beach, FL 32408
  • /37

    $325,000

    • 3 Beds
    • 2 Baths
    • 1,964 Sq Ft

    205 N Macarthur Ave, Panama City, FL 32401

    Vacant and ready to show!!!3 bedroom/ 2 bathroom home in the highly desired 'Cove' area minutes from Downtown Panama City and St. Andrews! This home showcases a spacious horseshoe driveway, carport, and open back deck. Interior boasts LVP flooring throughout common areas, recessed lighting; Kitchen featuring stainless steel appliances, tile backsplash, and granite countertops. Master bedroom and

    Christina Daniels Keller Williams Success Realty

    205 N Macarthur Ave, Panama City, FL 32401
  • /21

    $1,198,000

    • 4 Beds
    • 3 Baths
    • 2,820 Sq Ft

    523 Wahoo Rd, Panama City Beach, FL 32408

    THE OPPORTUNITY YOU HAVE BEEN WAITING FOR! This 4-bedroom, 3-bathroom POOL home is located in the gated Bay Point Community on the canal with gulf access!! known for being one of the most coveted living communities in Panama City Beach! Entertaining guests by the pool will be pleasant, especially with a BBQ, fire pit and canal views!! A large foyer entry, living room with

    Jena Buchanan CENTURY 21 Ryan Realty Inc

    523 Wahoo Rd, Panama City Beach, FL 32408
  • /49

    $966,120

    • 4 Beds
    • 3.5 Baths
    • 3,320 Sq Ft

    3561 Sanctuary Dr, Panama City Beach, FL 32408

    Tucked away in the gated community of Sanctuary Beach, this stunning 4-bedroom, 3.5-bath home combines luxury and comfort in every detail. Step inside to soaring 10-foot ceilings downstairs and 9-foot ceilings upstairs, all accented by elegant crown molding and beautiful herringbone tile flooring in the entry. The heart of the home is a chef's dream kitchen, featuring an 8-burner dual oven gas

    Zack Seltzer Seltzer Real Estate, LLC

    3561 Sanctuary Dr, Panama City Beach, FL 32408
  • /42

    $550,000

    • 4 Beds
    • 2 Baths
    • 2,288 Sq Ft

    3532 Fox Run Blvd, Panama City, FL 32408

    Situated within the desirable Prestige's Preserve on the Bay subdivision, this stunning residence boasts a serene setting amidst breathtaking wooded surroundings. The beautifully designed home features a split floor plan, ensuring peaceful seclusion for the master suite, and an open floor plan that seamlessly integrates the living areas, highlighted by vaulted ceilings.The expansive master

    Ida Hargaray Coldwell Banker Realty

    3532 Fox Run Blvd, Panama City, FL 32408
  • /28

    $379,999

    • 2 Beds
    • 2 Baths
    • 1,294 Sq Ft

    2416 Blue Daze Ave, Panama City, FL 32405

    Welcome to your dream home! This newly-built 2 bedroom, 2 bathroom residence offers the perfect combination of modern design and low-maintenance living — all nestled in one of the most sought-after subdivisions in the area. From the moment you arrive, you'll be impressed by the welcoming front porch and thoughtfully landscaped yard. Step inside to find an open-concept living space filled with

    Sheryl Bradley Beach Realty of Cape San Blas, Inc.

    2416 Blue Daze Ave, Panama City, FL 32405
  • /42

    $399,000

    • 3 Beds
    • 2.5 Baths
    • 2,151 Sq Ft

    237 Sherman Ave, Panama City, FL 32401

    Welcome to this spacious and energy-efficient home on a large 0.48-acre lot! Built in 2020 and lightly lived in, this 3-bed, 2-bath home offers over 2,100 sq ft of well-designed living space with accessibility in mind--including extra-wide doorways and hallways.Enjoy the wraparound porch with multiple covered patio areas, perfect for outdoor relaxation. Interior features include a cathedral

    Melana Weems Realty Check Real Estate Services

    237 Sherman Ave, Panama City, FL 32401
  • /4

    $75,000

    000 Virginia Ave, Lynn Haven, FL 32444

    This lot is mostly cleared. A few trees left for that shade! Large corner lot that was divided to two separate building lots. Sellers have a new survey for separate lots.Awesome location and near the Bay, resturants, activities, and quaint neighborhood!

    Teresa Dyer Realty One of Northwest Florida LLC

    000 Virginia Ave, Lynn Haven, FL 32444
  • /74

    $699,000

    • 3 Beds
    • 3 Baths
    • 2,078 Sq Ft

    319 Abbie Rd, Panama City, FL 32401

    ''SELLER FINANCING AVAILABLE'' . At time of listing at least 2 boat slips were available. Like new waterfront townhome. Short term rentals allowed. Selling furnished for turn-key opportunity. Currently being rented as 2 units with mother-in-law apartment on the lower level. Live in one and rent out the other or rent both. Primary unit has 3 bedrooms and 2 bathrooms with office space or sitting

    Ralph Harvey ListWithFreedom.com Inc.

    319 Abbie Rd, Panama City, FL 32401
  • /106

    $969,000 Open Fri 9AM - 11AM

    • 4 Beds
    • 3 Baths
    • 2,648 Sq Ft

    906 Dolphin Harbour Dr, Panama City Beach, FL 32407

    Open house Monday-Friday August 25-29th from 9am-11am! #4699 Gate code for open house hours. Home has a brand new HVAC! Bring your boat! There is a private marina within walking distance. You also have your own private gym already set up in the garage. You can literally move right in and start living the gulf coast dream life! Nestled within the prestigious gated enclave of Dolphin Bay, 906

    BLUE WAVE Laborde Coldwell Banker Realty

    906 Dolphin Harbour Dr, Panama City Beach, FL 32407
  • /22

    $271,000

    • 1 Bed
    • 1.5 Baths
    • 900 Sq Ft

    4725 Bay Point Rd Unit 161, Panama City Beach, FL 32408

    Welcome to your dream home in the highly desired Bay Point area! This beautiful ground floor condo offers an updated living space outfitted with new appliances that make modern living a breeze.From your window, enjoy a stunning view of the golf course and the serene pond, providing a peaceful backdrop to your daily life. Just across the parking lot, explore the new Bay Point Marina, perfect for

    Angie Eddy Angie Eddy & Co Realty LLC

    4725 Bay Point Rd Unit 161, Panama City Beach, FL 32408
  • /41

    $979,000

    • 4 Beds
    • 3.5 Baths
    • 3,107 Sq Ft

    3500 Fox Run Blvd, Panama City, FL 32408

    Experience luxury coastal living at its finest in this brand-new, custom-built home located in the exclusive, gated community of Preserve on the Bay, right in the heart of Panama City Beach. Offering 3,107 sq. ft. of thoughtfully designed space, this exquisite residence features 4 spacious bedrooms and 3.5 elegantly appointed baths.From the moment you step through the front door, you are welcomed

    Chad Bruce Coastal Sun Realty LLC

    3500 Fox Run Blvd, Panama City, FL 32408
  • /62

    $395,000

    • 2 Beds
    • 2 Baths
    • 1,447 Sq Ft

    6500 Bridge Water Way Unit 102, Panama City Beach, FL 32407

    MOTIVATED SELLER! BRING ALL REASONABLE OFFERS. PAYING $5000 TOWARDS BUYERS CLOSING COST OR TO PAY DOWN POINTS! HOME WARRANTY INCLUDED. AMAZING SUNRISES AND MOONLITE NIGHTS MAKE THIS ONE OF THE MOST BEAUTIFUL LOCATIONS IN PCB! Step inside this first-floor condo with the most convenient locations in the complex. This unit has been mostly remodeled including new kitchen, bathroom and floors.

    Linda Kirk Coldwell Banker Realty

    6500 Bridge Water Way Unit 102, Panama City Beach, FL 32407
  • /72

    $707,000

    • 3 Beds
    • 2 Baths
    • 2,052 Sq Ft

    104 Golf Dr, Panama City, FL 32408

    Aggressively priced and ready for you to make this house in the Fairways at Bay Point your next home! Built and LIVED IN by Ledman, a premier and high-end builder in Bay County, you have strong bones to update the interior and 10 foot ceilings with your cosmetic preferences. The roof and pool lanai were replaced in 2019, and the home is equipped with a 20kwh Cummings generator. In addition to

    McCoy Matthias Keller Williams Realty SRB

    104 Golf Dr, Panama City, FL 32408
  • /23

    $229,000

    • 1 Bed
    • 1.5 Baths
    • 900 Sq Ft

    4725 Bay Point Rd Unit 262, Panama City Beach, FL 32408

    This is the perfect condo in the gated community of Bay Point. It overlooks the pristine pond and the Jack Nicklaus golf course and is across from the new Point South Mariane. This is a spacious condo with so many updates including custom cabinets, tile backsplash, quarts countertops, high-end appliance, recess LED lighting, new water heater and new tile in the shower. it also has a newer HVAC

    Keyela Hampton Coldwell Banker Realty

    4725 Bay Point Rd Unit 262, Panama City Beach, FL 32408
  • /41

    $357,000

    • 3 Beds
    • 2 Baths
    • 1,649 Sq Ft

    212 N Cove Blvd, Panama City, FL 32401

    MUST SEE!!! Beautifully remodeled home located in the Cove! Spacious 3bd/2bth with high-end renovations and upgrades! Great floor plan, nice rooms and closets, large yard with patio deck, great for kids and hosting! Hurricane IMPACT windows a plus. Golf cart friendly neighborhood. Great schools! Move-in Ready! Dont miss out!

    Sophia Espinosa Campbell Bravo International Real Estate LLC

    212 N Cove Blvd, Panama City, FL 32401
  • /37

    $249,000

    • 3 Beds
    • 1.5 Baths
    • 1,536 Sq Ft

    1609 W 13th St, Panama City, FL 32401

    PRICE FURTHER REDUCED! Welcome to this well-maintained three-bedroom, one-and-one-half-bathroom single-family home nestled between downtown Panama City and popular historic St. Andrew's attractions. Just minutes away is Beach Drive and venture into the waters of beautiful St. Andrew's Bay. Home is located on a fully fenced, large corner lot overlooking playing fields and parks with plenty of

    Patricia Bernstein Coldwell Banker Realty

    1609 W 13th St, Panama City, FL 32401
  • /10

    $625,000

    • Land
    • 0.86 Acre
    • $726,744 per Acre

    1306 Florida Ave, Lynn Haven, FL 32444

    Great exposure near the intersection of Hwy 77 & 390 on this commercial parcel in Lynn Haven. Just under 1 acre total and shovel ready. The expanding Highway 390 corridor offers a prime opportunity for the savvy buyer. Daily traffic count at 390/77 is 34,500 per FDOT. Site has an active development order in place for a dining establishment, although it is not limited to this use. Endless

    Cain Mcneil CENTURY 21 Commander Realty

    1306 Florida Ave, Lynn Haven, FL 32444
  • /45

    $325,000

    • 3 Beds
    • 2 Baths
    • 1,542 Sq Ft

    2602 Glenview Ave, Panama City, FL 32405

    Tucked away in town. This is a very popular floor plan. High ceilings, tray ceilings and open plan for entertaining. This home has the master located away from the two bedrooms for privacy. Maintenance free home and large lot, this home will not last. Located on a dead end road for extra privacy and kids can ride bikes without worrying about traffic.

    Teresa Dyer Realty One of Northwest Florida LLC

    2602 Glenview Ave, Panama City, FL 32405
  • /17

    $5,000,000

    • Land
    • 2.57 Acres
    • $1,945,525 per Acre

    XXX Us Highway 98, P C Beach, FL 32401

    Exceptional opportunity to acquire 4.21+/- acres of prime commercial waterfront property, strategically located in Panama City. Zoned General Commercial, this site supports a broad array of development opportunities such as retail centers, professional office complexes, service businesses, wholesale sales, shopping plazas, and more. The zoning is designed to accommodate intensive commercial

    Seamus O'neill SOUTHERN WAY REALTY, INC.

    XXX Us Highway 98, P C Beach, FL 32401

Showing Results 441 - 480, Page 12 of 18

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