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

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  • /26

    $159,900

    • 2 Beds
    • 2 Baths
    • 840 Sq Ft

    214 Everitt Ave, Panama City, FL 32401

    Cozy spot with several shaded trees and fenced yard. This 2020 model is ready for it's new owners. Updated Kitchen with new cabinets, stove, sink and countertops. Fresh paint and carpet throughout for comfortable living.Located near stores, parks, schools, public boat launches and more. Plenty of room to park vehicles, boat, etc. 5 Minutes to all new Parker Sports Complex, an 18 acre park

    Agent Photo

    Dennis Nelson

    Keller Williams Success Realty

    214 Everitt Ave, Panama City, FL 32401
  • /10

    $20,000

    • Land
    • 1.1 Acres
    • $18,182 per Acre

    12128 Cue Dr, Panama City, FL 32404

    *Build Your Vision in a Peaceful Setting* NO HOA ... Discover the freedom to design your dream home on this R-1 residential-zoned lot (no mobile homes). This large 145x307 property spans over an acre of tranquil Florida land just off East Bay. Tucked away on Cue Drive, this property offers the perfect blend of privacy and potential, with easy access. Whether you're planning a custom build, a

    Agent Photo

    Kirsten McAndrew

    Counts Real Estate Group Inc

    12128 Cue Dr, Panama City, FL 32404
  • /31

    $259,000

    New Construction $21K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,181 Sq Ft

    517 E 8th St, Panama City, FL 32401

    BACK ON MARKET!Beautiful new construction in the heart of Panama City with thoughtful upgrades that set it apart. This 3-bedroom, 2-bath home offers a bright open layout with modern finishes, a functional floor plan, and a comfortable flow for everyday living. The kitchen opens to the main living area, while the home also features a dedicated laundry space, pantry, private primary suite, and

    Agent Photo

    Chris Allen

    Real Broker LLC

    517 E 8th St, Panama City, FL 32401
  • /25

    $274,900

    New Construction $10K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,680 Sq Ft

    142 Dogwood Way, Panama City, FL 32404

    The area is known for being tranquil and ''equestrian-friendly,'' . Located in a quiet, rural-residential neighborhood characterized by large, multi-acre lots. This new Clayton home is situated on 2.5 acres there is a pond and barn.Experience the perfect harmony of contemporary design and rural tranquility with th''The Discover'' model, perfectly situated on a sprawling 2.5-acre double

    Agent Photo

    Scott Seidler

    Keller Williams Success Realty

    142 Dogwood Way, Panama City, FL 32404
  • /23

    $249,000

    New Construction $1K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,200 Sq Ft

    815 E 12th Ct, Panama City, FL 32401

    New Construction Completed --Move-In Ready!Discover this beautiful, comfortable, and modern ranch-style new construction home. From the oversized front porch complete with remote-control ceiling fans, to the durable Hardie board siding. This property offers standout curb appeal and quality craftsmanship. The fenced yard features solar LED pole lights, adding both charm and

    Agent Photo

    MaryAnn Enfinger

    Overstreet Realty

    815 E 12th Ct, Panama City, FL 32401
  • /8

    $255,000

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,181 Sq Ft

    2722 E 9th St, Panama City, FL 32401

    Welcome to 2722 E 9th Street, a beautifully designed new construction home offering modern style, quality finishes, and comfortable living in the heart of Panama City. The open-concept floor plan features a bright living area,recessed lighting, and a stunning kitchen with shaker cabinetry, quartz countertops, stainless steel appliances, a center island, and designer pendant lighting. The spacious

    Agent Photo

    Chris Allen

    Real Broker LLC

    2722 E 9th St, Panama City, FL 32401
  • /13

    $159,000

    New Construction
    • 1 Bed
    • 1 Bath
    • 499 Sq Ft

    5612 E Highway 98 Unit 1, Panama City, FL 32404

    This adorable home is for sale!! 2026, lovely finishes and so many features!! Hardie board exterior, luxury interior and all appliances included. There is a loft for extra space or kids sleeping quarters. There is a 40 boat slip BRAND NEW marina on property! Access to the Gulf and beautiful views are at your fingertips! The Coldwater is move in ready, the views are loaded up and ready for you! Go

    Agent Photo

    Misty Curtis

    Anchor Realty Florida

    5612 E Highway 98 Unit 1, Panama City, FL 32404
  • /31

    $195,000

    $14K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,166 Sq Ft

    202 Callaway Chase Ln, Panama City, FL 32404

    Immaculate end-unit townhome! Seller offering $5,000 in Closing Costs assistance and Fidelity National Home Warranty. This 3Br/2.5Ba home features fresh paint, open Kitchen/Living Room, new stainless steel appliances, a large side yard, oversized patio area, and Hardie board siding. Plenty of room in the one car garage for the family car. The Washer & Dryer are included, and all furnishings are

    Eren Sullivan Counts Real Estate Group

    202 Callaway Chase Ln, Panama City, FL 32404
  • /32

    $229,900

    $25K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,424 Sq Ft

    1202 Emory Dr, Panama City, FL 32405

    Great Opportunity to Own in Panama City near 23rd street near all of the shopping! Mid-Century Character Meets Modern Convenience in Forest Park! This home contains 3BR, 2BA and a bonus room for your personal intentions totaling 1,424 SF and has been meticulously maintained!Discover the perfect balance of classic Florida charm and contemporary living at 1202 Emory Drive. This solid block

    Scott Childs Beachy Beach Real Estate

    1202 Emory Dr, Panama City, FL 32405
  • /2

    $287,990

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,516 Sq Ft

    Addison Plan at Harvey Heights, Panama City, FL 32409

    Introducing the Addison, a floorplan from our Value collection. This thoughtfully designed split layout features 3 bedrooms, 2 baths, and a spacious 2-car garage. The great room seamlessly blends with the dining area and kitchen, creating an open and inviting space perfect for hosting gatherings and celebrating holidays.The owners’ suite is a private retreat, boasting an ensuite bathroom

    Holiday Builders Builder
    200 Lake Merial Blvd Unit 37786236, Panama City, FL 32409
  • /34

    $294,900

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,832 Sq Ft

    The Cali Plan at Morningside, Panama City, FL 32404

    Welcome to the Cali, located at the cozy Morningside community in Panama City, Florida. The Cali is one of our popular one-story floor plans used in many communities across the country, making it an excellent choice for a new home. With this 4 bedroom, 2 bath home, you will see 1,799 square feet of spacious living perfect for a small family to enjoy comfortably.As you walk inside the

    D.R. Horton Builder
    7467 Morningside Dr Unit 36208592, Panama City, FL 32404
  • /41

    $290,000

    $23K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,262 Sq Ft

    9902 S Thomas Dr Unit 2029, Panama City, FL 32408

    Welcome to Laketown Wharf - where location, lifestyle, and investment potential come together beautifully. This spacious 2BR, 2BA condo with a bunk room offers approximately 1,262 sqft of comfortable coastal living. Thoughtfully designed for both personal enjoyment and rental income, the unit features a stacked washer and dryer and a flexible layout that easily accommodates guests. Step out onto

    Christina Shults Local Insight Realty

    9902 S Thomas Dr Unit 2029, Panama City, FL 32408
  • /8

    $227,000

    $2K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,547 Sq Ft

    318 Sukoshi Dr, Panama City, FL 32404

    Investors and creative potential owners. Come experience this visually impressive waterfront townhome that needs some TLC. A brand-new roof, updated kitchen with new appliances, new HVAC system, new flooring. A contemporary and consistently attractive feel throughout. This spacious townhouse home has three bedrooms and two and a half baths, providing plenty of room for comfortable living. It also

    Coreatha Garner Overstreet Realty

    318 Sukoshi Dr, Panama City, FL 32404
  • /8

    $37,000

    $2K PRICE DROP
    • Land
    • 34,848 Sq Ft
    • $46,250 per Acre

    12109 Caruso Dr, Panama City, FL 32404

    Looking for land but overwhelmed by permits, wetlands, and all the ''extra stuff'' that usually comes with building? This property already has much of the hard work completed for you. Welcome to 12109 Caruso Drive in Panama City, Florida -- an approximately 0.97-acre homesite with an approved Environmental Resource Permit already in place for a single-family home, pool, garage, yard, and

    Angela Foust Performance Realty

    12109 Caruso Dr, Panama City, FL 32404
  • /14

    $245,000

    $20K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,497 Sq Ft

    4108 Holley Ln, Panama City, FL 32404

    Welcome to this well-maintained 3-bedroom, 2-bath home with a versatile bonus room, perfectly situated on a spacious ¼-acre lot. Offering both comfort and convenience, this property is an excellent opportunity for a first-time homebuyer or savvy investor.Inside, you'll find tile flooring throughout, providing durability and easy maintenance, along with a bright, open layout ideal for everyday

    Jonathan Wolaver Think Real Estate

    4108 Holley Ln, Panama City, FL 32404
  • /28

    $237,000

    • 1 Bath
    • 489 Sq Ft

    8817 S Thomas Dr Unit A418, Panama City, FL 32408

    Welcome to Top of the Gulf, where the sugar-white sands and emerald waters of Panama City Beach are just steps from your door. This Gulf-front community offers direct beach access along with a large Gulf-front swimming pool, kiddie pool, seasonal snack bar, fitness center, game room, internet café, shuffleboard and cornhole, community laundry facilities, elevators, and outdoor gathering areas.

    Nathan Lawrence Legacy Premier Agency

    8817 S Thomas Dr Unit A418, Panama City, FL 32408
  • /30

    $235,000

    • 3 Beds
    • 2 Baths
    • 728 Sq Ft

    1219 Navy Blvd Unit 160, Panama City, FL 32408

    This charming 2-bedroom, 2-bathroom home is located in a gated community, offering a peaceful and private retreat while still being close to all the area's top attractions. The community features two catch-and-release fishing ponds, a large clubhouse with a fitness room and shared library, two swimming pools--one of which is heated--a hot tub, and shuffleboard courts. With 1.5 miles of paved

    Ahmed Ismail Guardian Real Estate Group LLC

    1219 Navy Blvd Unit 160, Panama City, FL 32408
  • /14

    $120,000

    • Land
    • 27,007 Sq Ft
    • $193,548 per Acre

    00 Stephens Dr, Panama City, FL 32404

    Gorgeous 0.626-acre waterfront lot with access to the Gulf, offering an exceptional opportunity to build your dream home in a beautiful, serene setting, with no HOA restrictions. This spacious parcel provides ample room for a custom residence, outdoor living areas, and thoughtfully designed landscaping. Whether you envision a modern retreat, a traditional family home, or a peaceful coastal

    Ayesha Albibi Centergate Realty LLC

    00 Stephens Dr, Panama City, FL 32404
  • /69

    $249,900

    New Construction $3K PRICE INCREASE
    • 3 Beds
    • 2 Baths
    • 1,281 Sq Ft

    4930 Bernard Fischer Ct, Panama City, FL 32404

    Welcome to the Poppy, 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 the Engineered Vinyl Plank flooring which spans the main areas and bathrooms with soft carpet in the bedrooms. Upon entering, the front entrance is met with a long

    Mark Miles DR Horton Realty of Emerald Coast, LLC

    4930 Bernard Fischer Ct, Panama City, FL 32404
  • /35

    $199,000

    New Construction $16K PRICE DROP
    • 2 Beds
    • 2.5 Baths
    • 1,007 Sq Ft

    1421 Martin Luther King Junior Blvd Unit A, Panama City, FL 32401

    Location, location, location! Enjoy low-maintenance living in this beautifully designed 2-bedroom, 2.5-bath home conveniently located near shopping, dining, schools, and just minutes from the new Martin Luther King Jr. Recreation Center. The spacious first floor features an open-concept layout with a full kitchen complete with stainless steel appliances and a large family room perfect for

    James Cameron JC Real Estate Group, LLC.

    1421 Martin Luther King Junior Blvd Unit A, Panama City, FL 32401
  • /61

    $299,000

    $26K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 1,905 Sq Ft

    4019 Milano Rd, Panama City, FL 32405

    FOUR BEDROOMS. A BACKYARD POOL. A 100' X 100' LOT.4019 Milano Road is a detached single-family home in Venetian Villa, Panama City, offering 1,906 square feet, four bedrooms, and three full bathrooms. The brick exterior, extended driveway with parking for four vehicles, and spacious fenced backyard provide plenty of room inside and out. The backyard features an in-ground swimming pool and two

    Alice De La Penha Coldwell Banker Realty

    4019 Milano Rd, Panama City, FL 32405
  • /17

    $299,900

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 1,350 Sq Ft

    827 Grace Ave, P C Beach, FL 32401

    Welcome to this beautifully crafted, newly constructed two-story townhome ideally located just minutes from downtown Panama City. Enjoy convenient access to local restaurants, marina activities, vibrant community events, and a short drive to Tyndall Air Force Base and the stunning beaches of Panama City Beach.This thoughtfully designed 3-bedroom, 2.5-bath home offers approximately 1,350

    PC Coastal Group eXp Realty LLC

    827 Grace Ave, P C Beach, FL 32401
  • /3

    $35,000

    • Land
    • 2,178 Sq Ft
    • $700,000 per Acre

    2807 E 6th St, Panama City, FL 32401

    Build your dream home or investment property on this vacant residential lot in the heart of Panama City. Conveniently located just minutes from downtown, local shopping, restaurants, schools, parks, and public boat ramps, this property offers an excellent opportunity to enjoy everything the area has to offer while remaining close to everyday conveniences.Whether you're looking to build a

    The Wheeler Sauls Collective Salty Marlin Realty LLC

    2807 E 6th St, Panama City, FL 32401
  • /16

    $244,000

    $5K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,080 Sq Ft

    320 N Center Ave, Panama City, FL 32401

    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 the living room and kitchen flow

    Patrick Pate Beach Haven Realty

    320 N Center Ave, Panama City, FL 32401
  • /6

    $299,000

    • 2 Beds
    • 1.5 Baths
    • 1,152 Sq Ft

    2319 Beech St, Panama City, FL 32408

    Welcome to your slice of paradise in Panama City Beach! This 2/1.5 is located in the Heart of Panama City Beach. Just off of Thomas Dr. Across from the Naval Base. Situated on a corner lot and has a privacy fenced backyard. The first floor has an open floor plan with the main living areas and half bath. The upstairs has two bedrooms and full bathroom. The bedrooms are good sized with ample closet

    Kimberly Miles Coastal Choice Realty LLC

    2319 Beech St, Panama City, FL 32408
  • /48

    $280,000

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

    6570 Atkins Rd, Panama City, FL 32404

    'OPEN HOUSE SATURDAY, JULY 25TH FROM 1 TO 3PM'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

    Vianah Seamon Think Real Estate

    6570 Atkins Rd, Panama City, FL 32404
  • /29

    $174,900

    $5K PRICE DROP
    • 2 Beds
    • 1.5 Baths
    • 1,104 Sq Ft

    4455 W 19th St Unit 16, Panama City, FL 32405

    Great opportunity in St. Andrews to own a townhome with potential. This property offers a functional layout with comfortable living space and is ready for a new owner to add their personal touch. A good option for buyers looking to customize or invest. Conveniently located in Panama City with easy access to shopping, dining, and everyday amenities. All measurements, zoning, and sizes are

    Luisa Dick Coldwell Banker Realty

    4455 W 19th St Unit 16, Panama City, FL 32405
  • /25

    $269,990

    New Construction
    • 4 Beds
    • 2 Baths
    • 1,732 Sq Ft

    Gehrig Plan at Magnolia Ridge - Majors Collection, Panama City, FL 32404

    This new four-bedroom home offers convenient single-story living. An inviting open-concept floorplan encourages simple transitions and multitasking between the kitchen, dining room and family room. Three bedrooms are located near the front of the home, just steps from a full bathroom, and a luxurious owner’s suite is nestled into a private rear corner, complete with an en-suite bathroom and

    Lennar Builder
    3981 Alwyn Cashe Ave Unit 39321106, Panama City, FL 32404
  • /6

    $175,000

    • Land
    • 29,185 Sq Ft
    • $261,194 per Acre

    1516 S Berthe Ave, Panama City, FL 32404

    Excellent Build-Ready Lot in Panama City! Located at 1516 S Berthe Ave, Panama City, FL 32404, this cleared and elevated lot is ready for construction, providing a great opportunity to begin your project without the added preparation. Enjoy a convenient location just minutes from Tyndall Air Force Base, with easy access to the water and nearby shopping, restaurants, and local amenities. Whether

    Danitza Galetti EXP Realty LLC

    1516 S Berthe Ave, Panama City, FL 32404
  • /27

    $219,000

    $26K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 860 Sq Ft

    1219 Navy Blvd Unit 148, Panama City, FL 32408

    Welcome to Cottage 148 in Emerald Pointe Resort--a delightful coastal retreat with a carport and the PERFECT porch for enjoying the Florida lifestyle. This cottage features a large primary bedroom, spacious family room, and comfortable flow designed for easy full-time living or extended beach escape getaways. Offered partially furnished and ready for your personal decorator touches, this cottage

    Bruce King Beachy Beach Real Estate

    1219 Navy Blvd Unit 148, Panama City, FL 32408
  • /9

    $217,000

    • 3 Beds
    • 2 Baths
    • 1,096 Sq Ft

    7441 Jefferson Ave, Panama City, FL 32409

    Endless possibilities await on this 0.458-acre lot in Southport! This well-maintained manufactured home sits on a quiet, dead-end road with minimal traffic, where homes are spaced comfortably apart, offering both privacy and peace. Zoned R-2, the property is incredibly versatile allowing for manufactured, single-family, or duplex housing - live in it, rent it out, renovate, remodel or start fresh

    Katelyn Dimond Beachy Beach Real Estate

    7441 Jefferson Ave, Panama City, FL 32409
  • /8

    $47,000

    • Land
    • 13,503 Sq Ft
    • $151,613 per Acre

    17 4s 13w Unit 13W, Panama City, FL 32404

    Property Highlights: Ideal for new construction, mobile home, or investment property. Mixed-use zoning offers flexible buildoptions. Flat, buildable land with easy access to paved Beulah Avenue. Public water and sewer available atthe street. Convenient to schools, shopping, and downtown Panama City. Market Opportunity Vacant lots in this area have been selling steadily, with strong demand

    Patrick Casey Full Sail Realty of NWFL

    17 4s 13w Unit 13W, Panama City, FL 32404
  • /11

    $125,000

    • Land
    • 5,662 Sq Ft
    • $961,538 per Acre

    507 Massalina Dr, Panama City, FL 32401

    Popular Cove area's Massalina Bayou — deep wooded lot offers tucked-in privacy for your waterfront home.

    Tricia Mcgrath Sugar Shore Properties

    507 Massalina Dr, Panama City, FL 32401
  • /23

    $180,000

    • 1 Bed
    • 1 Bath
    • 750 Sq Ft

    2100 W Beach Dr Unit B202, Panama City, FL 32401

    Relax and enjoy your quiet courtyard view from this second floor one bedroom condo in the Waterfront community of Landmark Condominiums. Updates include a fully remodeled bathroom with walk in shower, kitchen cabinets, countertops and appliances. Fully furnished and move in ready! Experience easy living with access to two pools, a dock, private beach, fitness room and clubhouse with a pavilion.

    Savannah Hamilton Paradise Properties

    2100 W Beach Dr Unit B202, Panama City, FL 32401
  • /3

    $84,000

    $5K PRICE DROP
    • Land
    • 12,196 Sq Ft
    • $300,000 per Acre

    3928 E 9th St Unit B, Panama City, FL 32404

    Beautiful Pondside Lot is ready to build your new home. Located in a well-established peaceful neighborhood with NO HOA. All utilities are in place, thanks to a prior structure cleared in 2020. Seller has cleared site of underbrush making it truly ready to build. Excellent location centrally located to the Beaches, Tyndall AFB, shopping and restaurants. Don't miss this rare build-ready

    Melissa Barbee Barbee Beach House Realty

    3928 E 9th St Unit B, Panama City, FL 32404
  • /12

    $28,000

    • Land
    • 11,761 Sq Ft
    • $103,704 per Acre

    923 Watermark Way, Panama City, FL 32404

    Build Your Dream Home in a Gated Waterfront Community! Discover the perfect opportunity to create your coastal retreat on this recently cleared lot in the exclusive Laird Point community. This gated, waterfront neighborhood offers a serene and private atmosphere while providing convenient access to the water for boating and fishing enthusiasts. Located just minutes from local restaurants, shops,

    John Arroyo LPT Realty LLC

    923 Watermark Way, Panama City, FL 32404
  • /6

    $45,000

    • Land
    • 1.03 Acres
    • $43,689 per Acre

    2204 Bj Dr, Panama City, FL 32404

    Build Your Future On A Blank Canvas! Located On The Outskirts Of Panama City, This 1.033 Acre Parcel Of Raw Land Offers Endless Possibilities. Whether You're Dreaming Of A Custom-Built Home Or Prefer The Flexibility Of A Manufactured Home, This Property Provides The Perfect Place To Bring Your Vision To Life. Enjoy The Freedom To Start Fresh And Create A Home That Fits Your Lifestyle - All While

    Dawn Severt Coastal Vibes Luxury Realty

    2204 Bj Dr, Panama City, FL 32404
  • /25

    $295,000

    $5K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 1,718 Sq Ft

    6220 Cherry St, Panama City, FL 32404

    Welcome home to this beautifully remodeled 4-bedroom, 2.5-bath brick home offering the perfect blend of modern updates and functional living. Featuring luxury vinyl plank flooring throughout, stylish tile showers, brand-new appliances, and an open-concept layout, this home is designed for both everyday comfort and entertaining.The spacious kitchen flows seamlessly into the living area,

    SunCoast Home Group Counts Real Estate Group Inc

    6220 Cherry St, Panama City, FL 32404
  • /35

    $260,000

    $25K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 988 Sq Ft

    257 Arlington Dr, Panama City, FL 32404

    257 Arlington Drive offers a great opportunity to enjoy waterfront living on beautiful Martin Lake while still being close to everything the area has to offer. Located in an established neighborhood in Panama City, this property combines peaceful lake views with a convenient central location that makes everyday living easy. Inside, the home has a warm and comfortable feel with natural light

    Johnathan Ramsey Dalton Wade Inc

    257 Arlington Dr, Panama City, FL 32404
  • /24

    $199,000

    • 1 Bed
    • 2 Baths
    • 864 Sq Ft

    1328 Friendship Ave, Panama City, FL 32401

    Irresistible Florida COTTAGE CHARM meets modern convenience in historic Saint Andrews! Located in the Oak Hill community of Saint Andrews, this is THE PICTURESQUE SETTING you've been looking for! Need a quiet hideaway? Looking for roots for your small family? Require an OFFICE SETTING in your home? Maybe an affordable rental property! This thoughtfully-designed, one bedroom two bath home

    Tricia Mcgrath Sugar Shore Properties

    1328 Friendship Ave, Panama City, FL 32401

Showing Results 41 - 80, Page 2 of 18

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