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Panama City, FL Homes for Sale under $300,000

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  • /10

    $299,000

    • 3 Beds
    • 2 Baths
    • 1,064 Sq Ft

    5314 Pinetree Ave, Panama City, FL 32408

    Great beach home within walking distance to beach, shopping, and restaurants! This would make a great VRBO or first time home! Fenced back yard, one car garage, laundry in garage, large kitchen. Call your favorite realtor today! Home needs a little TLC so great for an investor!

    Debbie Holzer Hitchcock Real Estate LLC

    5314 Pinetree Ave, Panama City, FL 32408
  • /16

    $220,000

    • 5 Beds
    • 2 Baths
    • 1,652 Sq Ft

    1814 Arthur Ave Unit A & B, Panama City, FL 32405

    Looking for rental investment. This 5-bedroom 2 bath duplex Close to shopping, schools and beach offers 2 bedrooms on one side and 3 bedrooms on the other side. The roof has been replaced in 2018, and the plumbing has been updated on both sides. The flooring has been updated as well. The kitchen offers lots of space and good size bedrooms. Lots of property space for parking and additions.

    Roy Furst Central Bay Realty and Property Management LLC

    1814 Arthur Ave Unit A & B, Panama City, FL 32405
  • /20

    $230,000

    • 2 Beds
    • 1 Bath
    • 660 Sq Ft

    208 Claire Ave, Panama City, FL 32401

    The charming and efficiently designed 2-bedroom, 1 spacious bathroom home offering 660 square feet of comfort, care, and intentional upgrades. This property proves that great things truly come in well-designed packages. The property is ideal for a first-time buyer, downsizer, or investor, this home delivers style, security, and substance in a compact, well-maintained package. The seller has

    Catriese Johnson Coldwell Banker Realty

    208 Claire Ave, Panama City, FL 32401
  • /40

    $259,900

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

    6221 E Hibiscus Ave, Panama City, FL 32408

    Location, convenience, and NO HOA make this 3-bedroom, 2-bath townhome an incredible opportunity just minutes from the marinas and the beautiful beaches of Panama City Beach. Whether you enjoy boating, fishing, or relaxing on the sugar-white sand, you'll love how close everything is from this well-located property. The home features a spacious layout with three large bedrooms upstairs along with

    Rocky Wright 850 Real Estate Center

    6221 E Hibiscus Ave, Panama City, FL 32408
  • /55

    $234,900

    • 3 Beds
    • 2.5 Baths
    • 1,736 Sq Ft

    1824 Mallard Dr Unit B, Panama City, FL 32404

    Spacious water view townhome in Panama City offering strong value-add and rental potential! This 3BR/2.5BA unit at 1824 Mallard Drive B features over 1,700 sq ft of living space, a functional layout, and peaceful water views in a convenient location. Ideal for long-term rental, mid-term housing, or potential investment portfolio addition (buyer to verify rental restrictions). Close to shopping,

    Matt Keaton Counts Real Estate Group Inc

    1824 Mallard Dr Unit B, Panama City, FL 32404
  • /7

    $295,000

    • Land
    • 2.29 Acres
    • $128,821 per Acre

    0 Hotelan Bluff Rd, Panama City, FL 32404

    This 2.29 acre waterfront lot sits on a lovely bluff overlooking the intercoastal waterway in eastern Bay County. This lovely and secluded area of Allanton would make a fantastic location to build your dream home or private getaway. The water is very deep here, and you are a short boat ride to east bay and then Tyndall bridge. The fishing is awesome and the water is well suited for kayaking,

    Dennis Dunnigan Coastal Choice Realty LLC

    0 Hotelan Bluff Rd, Panama City, FL 32404
  • /45

    $299,000

    • 3 Beds
    • 2 Baths
    • 1,566 Sq Ft

    6506 Hiwassee St, Panama City, FL 32404

    The Ultimate Move-In Ready Home.No HOA and no Flood zone. .Discover the perfect blend of durability and freedom in this stunning all-brick residence, meticulously maintained and ready for its next owner. Situated in a ''High and Dry'' non-flood zone area, this home offers incredible peace of mind with a roof replaced in 2019 (permit pulled) and a structural profile designed to breeze through a

    Mowayne Copeland Keller Williams Success Realty

    6506 Hiwassee St, Panama City, FL 32404
  • /31

    $279,000 New Construction

    • 3 Beds
    • 2 Baths
    • 1,240 Sq Ft

    225 W 13th St, Lynn Haven, FL 32444

    New construction single family downtown Panama City home offering easy access to some of your favorite areas. Interior offers large great room open to the kitchen and dining room, master bedroom with walk-in closet, and two additional bedrooms in this split floor plan design.

    Charles Commander Jr. CENTURY 21 Commander Realty

    225 W 13th St, Lynn Haven, FL 32444
  • /50

    $284,000

    • 3 Beds
    • 2 Baths
    • 1,403 Sq Ft

    6570 Atkins Rd, Panama City, FL 32404

    Welcome to Liberty — where comfort, convenience, and community come together! This beautiful corner-lot home is located in the highly desirable Liberty community, one of Bay County's premier neighborhoods known for its resort-style amenities and welcoming small-town atmosphere. Designed with modern living in mind, this home is move-in ready and comes with an existing 10-year structural warranty,

    Vianah Seamon Anchor Realty Florida

    6570 Atkins Rd, Panama City, FL 32404
  • /60

    $299,000

    • 1 Bed
    • 1 Bath
    • 618 Sq Ft

    9850 S Thomas Dr Unit 712W, Panama City, FL 32408

    Experience breathtaking Gulf views from this gorgeous 7th-floor Sunbird condo! This beautifully maintained and fully furnished unit is the perfect blend of comfort, style, and investment potential. Designed to accommodate up to 5 guests, the condo features a queen-size bed, a queen sleeper sofa, and a twin sleeper--ideal for families or vacation rentals. The kitchen is thoughtfully updated with

    Ahmed Ismail Sand Seeker Realty LLC

    9850 S Thomas Dr Unit 712W, Panama City, FL 32408
  • /31

    $224,850

    • 3 Beds
    • 3 Baths
    • 1,446 Sq Ft

    5880 Tyndall Pkwy, Panama City, FL 32404

    Community Closeout! LAST of this plan available~ The Tyndall End unit! THREE BEDROOMS AND THREE FULL BATHS. One bedroom downstairs on the main level w/full bath is perfect for guests or a home office. Upstairs you'll find a spacious, secluded primary suite w/walk-in closet & dual vanity. The third bedroom is on the opposite side of the home & also has a walk-in closet & its own bathroom! Includes

    Lori Logue VCFL Realty LLC

    5880 Tyndall Pkwy, Panama City, FL 32404
  • /45

    $227,500

    • 2 Beds
    • 2.5 Baths
    • 1,562 Sq Ft

    802 Baldwin Rowe Cir, Panama City, FL 32405

    This 2-bedroom, 2.5-bath townhome in Panama City's Baldwin Rowe community offers a low-maintenance option within a gated neighborhood. With 1,562 square feet and an attached garage, the layout supports both everyday living and lock-and-leave convenience. The property is currently occupied and has a history of use as a primary residence. Inside, the main level includes a functional kitchen,

    Ashton Wellborn Salty Marlin Realty LLC

    802 Baldwin Rowe Cir, Panama City, FL 32405
  • /19

    $244,900 New Construction

    • 3 Beds
    • 2 Baths
    • 1,281 Sq Ft

    7339 Charles Loring Jr Rd, Panama City, FL 32404

    Welcome to 7339 Charles Loring Jr. Road, a new plan located at Liberty in Panama City, Florida. The Poppy is a spacious 3-bedroom, 2-bathroom home spanning 1,281 square feet and features a single car garage. As you walk inside, you will be welcomed by Engineered Vinyl Plank flooring which spans the main areas and bathrooms and there is soft carpet in the bedrooms. Upon entering, the front

    D.R. Horton Builder
    7339 Charles Loring Jr Rd, Panama City, FL 32404
  • /42

    $260,000

    • 3 Beds
    • 1.5 Baths
    • 1,495 Sq Ft

    3911 W 21st Place, Panama City, FL 32405

    Welcome to your beautifully renovated 1976 home, a perfect blend of classic charm and modern comforts! This spacious 3-bedroom, 1.5-bath residence features an inviting extra living area, ideal for entertaining or relaxing with family. As you step inside, you'll notice the spacious floor plan, bathed in natural light from large windows. The modern kitchen boasts updated appliances, stylish

    Jennifer Bowman Beachy Beach Real Estate

    3911 W 21st Place, Panama City, FL 32405
  • /15

    $269,900 New Construction

    • 3 Beds
    • 2 Baths
    • 1,300 Sq Ft

    2528 Wakulla Ave, Panama City, FL 32405

    New 3 bdrm 2 bath home with LVP and cathedral ceilings in the living area. Nice kitchen with granite breakfast bar. Lovely starter home with two bathrooms and a partially fenced yard. It is just off Hwy 231 with great access to shopping and places of interest. Just 1.2 miles to 23rd Street for all your shopping needs. Large living dining area provides space for the family to gather.

    Gary Witham Hope Realty of Bay County LLC

    2528 Wakulla Ave, Panama City, FL 32405
  • /30

    $265,000

    • 3 Beds
    • 2 Baths
    • 1,735 Sq Ft

    802 College Ave, Panama City, FL 32401

    Seller offering $3,000 seller concessions to be used as closing costs assistance or rate buy down with accepted offer. Three Bedroom two Bath completely remodled with all new appliances on large corner fenced yard. Centrally located, close to downtown Panama City and Tyndall Air Force Base. Just north of Millville and the Business 98 coorador. All new appliances, new HVAC, New Hot Water Heater,

    Jim Davis Anchor Realty Florida

    802 College Ave, Panama City, FL 32401
  • /20

    $205,000

    • 3 Beds
    • 1 Bath
    • 1,040 Sq Ft

    2224 Edgewood Dr, Panama City, FL 32405

    3 bed, 1 bath home in central Panama City just off Airport Road, with quick access to 23rd Street, shopping, restaurants, and daily conveniences.Sits on a quiet road with a large, fenced backyard, mature trees, and plenty of shade.Well suited for an investment property, rental, or a first-time homebuyer looking to get into the market. Straightforward opportunity in a convenient location.

    Team Don and Bubba EXP Realty LLC

    2224 Edgewood Dr, Panama City, FL 32405
  • /32

    $280,000

    • 3 Beds
    • 2.5 Baths
    • 1,496 Sq Ft

    406 Raven Ln, Panama City, FL 32404

    Charming Modern Florida Cottage built in 2021 with solar panels for energy savings! Enjoy a light, airy aesthetic, durable metal roof, welcoming front porch, and private balcony—perfect for relaxing Florida mornings and evenings.Inside, the open layout is filled with natural light and ideal for everyday living or entertaining. The attached garage offers convenience, while the low-maintenance

    Christal Wadsworth Beachy Beach Real Estate

    406 Raven Ln, Panama City, FL 32404
  • /30

    $214,900

    • 3 Beds
    • 2 Baths
    • 1,230 Sq Ft

    6325 Chipewa St, Panama City, FL 32404

    1200 SQFT 3/2 All New at this price. This home has large living space with lots of storage on this roomy 3-bedroom 2-bath All New and Remodeled including all New kitchen with New real wood cabinets, New countertops and New SS appliances. All New bathrooms, New fixtures, New doors, New paint and New windows just to name a few. This home is split plan with lots of living area with a living room,

    Roy Furst Central Bay Realty and Property Management LLC

    6325 Chipewa St, Panama City, FL 32404
  • /44

    $264,000

    • 1 Bed
    • 1 Bath
    • 626 Sq Ft

    6205 Thomas Dr Unit 2F, Panama City, FL 32408

    LOWEST PRICED LISTING IN NAUTICAL WATCH! PRICED TO SELL! Welcome to your Gulf of Mexico escape at Nautical Watch Condo Unit F2 in Panama City Beach. This beautifully updated 1-bedroom, 1-bathroom ground-floor unit blends comfort, style, and convenience--making it perfect as a second home or a high-performing investment rental. Fully furnished and decorated with a charming beach theme, the condo

    Mike Herring Keller Williams Realty Emerald

    6205 Thomas Dr Unit 2F, Panama City, FL 32408
  • /32

    $225,000

    • 2 Beds
    • 2 Baths
    • 1,070 Sq Ft

    6901 N Lagoon Dr Unit 33, Panama City, FL 32408

    Welcome to Palisades! This well maintained unit has been freshly painted, all LVP flooring, updated showers, HVAC has been routinely maintained and move-in ready. Long Term rental history is excellent. Palisades offers a community dock with short term boat slip access, rec room, great location to Thomas Drive restaurants, and within minutes to beach access. Central location to all Panama City

    Angie Brock Keller Williams Realty Southeast Alabama

    6901 N Lagoon Dr Unit 33, Panama City, FL 32408
  • /33

    $292,500 New Construction

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

    1514 Chandlee Ave, Panama City, FL 32405

    Seller offering $5k towards buyers closing costs/rate buy down! Welcome to the ''MANGROVE'' floor plan! This beautiful 3 bedroom/ 2 bathroom NEW construction home is conveniently located with NO HOA, close to 15th & 23rd St., shopping, restaurants and more. Interior features to include 9 ft. ceilings and luxury vinyl plank flooring; Inside you will find a spacious open concept living room

    Christina Daniels Keller Williams Success Realty

    1514 Chandlee Ave, Panama City, FL 32405
  • /6

    $269,000

    • 4 Beds
    • 2 Baths
    • 1,830 Sq Ft

    6444 Slabinski Ln, Panama City, FL 32404

    Welcome to Liberty - Panama City's Premier Lifestyle Community!Nestled off Star Avenue near Hwy 231, Liberty offers easy access to Tyndall Air Force Base (25 min), local hospitals (20 min), and top shopping and dining (under 15 min). Enjoy resort-style living with a 7,500 sq. ft. community center featuring a full gym, wellness rooms, and a resort pool with splash pads, grilling stations, and

    Catriese Johnson Coldwell Banker Realty

    6444 Slabinski Ln, Panama City, FL 32404
  • /73

    $284,900

    • 1 Bed
    • 2 Baths
    • 864 Sq Ft

    9900 S Thomas Dr Unit 2008, Panama City, FL 32408

    PRICE IMPROVEMENT just in time for High Season! Yes, the balcony construction is complete, and this condo is fully move-in and rental-ready -- making this an exceptional opportunity at Shores of Panama. This beautifully updated 1BR + Bunk, 2BA Gulf-view unit comfortably sleeps 6 and is being sold fully furnished. Interior features include a modern kitchen with like-new appliances, a premium

    Carla Singleton Ohana Real Estate Services

    9900 S Thomas Dr Unit 2008, Panama City, FL 32408
  • /46

    $290,000

    • 1 Bed
    • 1 Bath
    • 609 Sq Ft

    9850 S Thomas Dr Unit 1109W, Panama City, FL 32408

    PRICE IMPROVEMENT! Experience the ultimate beachfront retreat in this stunning 1-bedroom, 1-bathroom condo, nestled on the 11th floor of the Sunbird Complex in Panama City Beach. With sleeping arrangements for up to 4 guests, revel in the panoramic Gulf views from your private balcony overlooking the main pool. Adjacent to the unit, the seasonally heated West tower pool offers a serene setting

    Rachel Warrell eXp Realty, LLC

    9850 S Thomas Dr Unit 1109W, Panama City, FL 32408
  • /3

    $290,000

    • Land
    • 1.22 Acres
    • $237,705 per Acre

    2820 Transmitter Rd, Panama City, FL 32404

    Don't miss this rare opportunity to secure a cleared, build-ready commercial lot in a high-visibility area! Situated right next to a busy gas station and a bustling intersection, this location offers unbeatable exposure and easy access—ideal for retail, dining, or service-based businesses. With strong daily traffic and a motivated seller willing to consider all offers, this is the perfect spot to

    Brandie Allon Coastal Palms Real Estate

    2820 Transmitter Rd, Panama City, FL 32404
  • /55

    $220,000

    • 3 Beds
    • 2 Baths
    • 1,476 Sq Ft

    518 Maine Ave, Panama City, FL 32401

    Affordable 3-bedroom, 2-bath home in Panama City offering over 1,400 sq ft of living space. Features a functional layout, spacious living areas, and a large yard with two storage buildings out back, perfect for tools, equipment, or extra storage. Conveniently located near shopping, dining, and schools.

    Matthew Grimsley Counts Real Estate Group

    518 Maine Ave, Panama City, FL 32401
  • /26

    $224,900

    • 1 Bed
    • 2 Baths
    • 620 Sq Ft

    4114 Holiday Dr Unit 6, Panama City, FL 32408

    SELLER IS HIGHLY MOTIVATED AND OPEN TO ALL OFFERS.. I year home warranty - This cute 1 bedroom condo with a Loft is just steps away from the sandy, white beaches! This great east side location offers a quieter, less busy feel and is right off Thomas Dr. This beachy condo has been customized to be made into two bedrooms with two full bathrooms(one bathroom downstairs and one master bath upstairs).

    Lance Rhea CENTURY 21 Ryan Realty Inc

    4114 Holiday Dr Unit 6, Panama City, FL 32408
  • /14

    $229,000

    • 2 Beds
    • 2 Baths
    • 988 Sq Ft

    7813 N Lagoon Dr Unit 6C, Panama City, FL 32408

    ully Furnished Coastal Condo - 7813 N Lagoon Dr, Unit C6 Welcome to easy coastal living at 7813 N Lagoon Drive, Unit C6 -- a beautifully fully furnished condo located just minutes from the sugar-white sands of Panama City Beach. This inviting unit is perfect for anyone looking for a move-in ready rental with comfort, convenience, and beachside charm. Inside, you'll find a thoughtfully furnished

    Jeff Swayze The Joe Real Estate Partners

    7813 N Lagoon Dr Unit 6C, Panama City, FL 32408
  • /8

    $249,000 Coming Soon

    • 3 Beds
    • 2 Baths
    • 1,107 Sq Ft

    223 N East Ave, Panama City, FL 32401

    COMING SOON LISTING, NO SHOWINGS. Looking for an investment property already generating revenue?Currently renting to a month to month tenant for $1,900 monthly. This beautifully designed 3-bedroom, 2-bath residence perfectly blends comfort, style, and functionality. With no HOA fees, you have the freedom to personalize your home without restrictions. Step inside to an open floor plan where

    Patrick Pate Beach Haven Realty

    223 N East Ave, Panama City, FL 32401
  • /37

    $249,000

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

    1017 W 28th Place, Panama City, FL 32405

    Welcome to a home where memories are waiting to be made. This 3-bedroom, 2-bath home offers 1,392 square feet, a 2-car garage, and a layout that's perfect for everyday family living.Inside, you'll find a comfortable, functional floor plan with space to gather, relax, and grow. The home has great bones and is ready for a new chapter--offering the perfect opportunity for a family to come in,

    Heather Wooten Keller Williams Realty Emerald Coast

    1017 W 28th Place, Panama City, FL 32405
  • /50

    $215,000

    • 3 Beds
    • 2 Baths
    • 1,210 Sq Ft

    5119 Marla Dr, Panama City, FL 32404

    Beautifully updated home in Panama City, priced to sell and won't last long! This move in ready attached single unit home offers incredible value in today's Panama City market, where updated homes at this price point are becoming harder to find. Recently refreshed with brand new interior paint throughout the home feels clean, bright, and modern. Previous upgrades include updated cabinets,

    Lindsay Farris Land's End Realty LLC

    5119 Marla Dr, Panama City, FL 32404
  • /31

    $259,999

    • 3 Beds
    • 2 Baths
    • 1,415 Sq Ft

    105 S Kimbrel Ave, Panama City, FL 32404

    MOVE IN READY 3BR/2BA w PAID SOLAR PANELS AND FLORIDA ROOM! This home has been renovated(2010) and updated(2019). Roof (2019), HVAC (2021), Solar Panels (2022), Water Heater (2023), Fenced Back Gates (2025), and Mini-Split (2026) for the 4 Season Florida Room. NO HOA! SELLERS GIVEN $4500 TOWARDS BUYERS CLOSING COSTS AND PREPAIDS! Situated less than 7 minutes from shopping/restaurants and 15

    Paul Berry, Jr. Coldwell Banker Realty

    105 S Kimbrel Ave, Panama City, FL 32404
  • /30

    $239,900

    • 1 Bed
    • 1 Bath
    • 884 Sq Ft

    4600 Kingfish Ln Unit 508, Panama City, FL 32408

    Welcome to peaceful coastal living in the gated community of Bay Point. This bright and inviting 1 bedroom condo in Lagoon Towers offers beautiful water view and a relaxed lifestyle. Enjoy morning coffee on the balcony overlooking the pool, lagoon, the pass to the Gulf, Bay Point Golf Course and unwind in the quiet surroundings that make Bay Point one of the most desirable residential communities

    Shirley Pittman Blue Coral R E Group LLC

    4600 Kingfish Ln Unit 508, Panama City, FL 32408
  • /16

    $279,000

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

    5109 Rachelle Cir, Panama City, FL 32404

    Nice quiet area, JUST Minutes to Tyndall AFB and Public boat ramp that takes you out to the Gulf. This brick 3 bedroom 2 bath with a nice size back yard is ready for you... It has a large covered deck, HUGE workshop Beautiful corner fireplace...Just ready for you to make it your own. Back yard is fenced for your Dog already.. Best thing is NO HOA to bother you...Put your boat or camper in your

    Joel Jadofsky Keller Williams Realty Emerald

    5109 Rachelle Cir, Panama City, FL 32404
  • /29

    $299,900 New Construction

    • 3 Beds
    • 2 Baths
    • 1,293 Sq Ft

    7018 William Pitsenbarger Rd, Panama City, FL 32404

    Welcome to 7018 William Pitsenbarger Road, a new home located at Liberty in Panama City, Florida. The Eldridge is one of our one-story floorplans featured in our Liberty community in Panama City, Florida. Featuring a front primary bedroom, 2 car garage, and open living room and kitchen, it is a cozy home designed for the first-time home buyer. As you enter this 3 bedroom, 2 bath home, you will

    D.R. Horton Builder
    7018 William Pitsenbarger Rd, Panama City, FL 32404
  • /36

    $269,000

    • 4 Beds
    • 2 Baths
    • 1,305 Sq Ft

    1906 Chestnut Ave, Panama City, FL 32405

    This immaculately kept 4-bedroom, 2-bathroom, solar- paneled home is perfectly situated in the heart of Panama City, offering both comfort and convenience. Thoughtfully updated and move-in ready, the home features a modern kitchen complete with stainless steel appliances, a welcoming living room, a dedicated dining area, and a spacious laundry room that also serves as a versatile storage space.

    Tiffany Clevenger Clubbs Real Estate Group LLC

    1906 Chestnut Ave, Panama City, FL 32405
  • /41

    $274,900

    • 2 Beds
    • 2.5 Baths
    • 1,090 Sq Ft

    2603 Beech St, Panama City, FL 32408

    Beautifully updated and move in ready home featuring fresh, modern finishes throughout. Durable luxury vinyl plank flooring flows seamlessly through the living area and bedrooms, complemented by neutral paint tones and crisp white trim.The open living and dining area offer excellent natural light and flexible space for everyday living and entertaining. The kitchen features wood cabinets and

    Donna Stokes Top Producers Real Estate Group

    2603 Beech St, Panama City, FL 32408
  • /33

    $284,900 New Construction

    • 4 Beds
    • 2 Baths
    • 1,458 Sq Ft

    7103 Merlyn Dethlefsen Rd, Panama City, FL 32404

    Welcome to 7103 Merlyn Dethlefsen Road, a new home at Liberty in Panama City, Florida. The Freeport is a one-story home with a double garage designed with space for the family in mind and affordability. On the outside of your home, you will see durable vinyl siding, a spacious two-car garage with an opener and a fully sodded yard to the property lines. This home comes equipped with dimensional

    D.R. Horton Builder
    7103 Merlyn Dethlefsen Rd, Panama City, FL 32404
  • /30

    $272,400

    • 3 Beds
    • 2 Baths
    • 1,434 Sq Ft

    7126 Fox Meadow Dr, Panama City, FL 32404

    Brand new construction! Come experience the difference with Adams Homes, in the desired neighborhood of Fox Glenn. These 1,434 square footage home features an open floor plan with cortec pro plus flooring in formal and wet areas, granite counter tops, and a slanted ceiling giving the living area more depth. The Master bathroom features a walk-in shower, and a separate garden tub. This

    REGAN Crockett Adams Homes Realty, Inc.

    7126 Fox Meadow Dr, Panama City, FL 32404

Showing Results 361 - 400, Page 10 of 12

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