482

Homes for Sale near Bethany Lutheran School

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  • /3

    $115,000

    • 2 Beds
    • 1 Bath
    • 768 Sq Ft

    14315 Viola Ave, Cleveland, OH 44111

    Great starter home, retirement home or nest for "Empty Nesters". Vinyl sided ranch on a tree lined street. Nice sized fenced back yard with patio and shed, perfect for children, pets or just entertaining. Cozy living area is easy to keep comfortable. Attached garage that connects to the first floor utility/mud room. Easy to keep. Easy to heat. Great location close to schools, transportation,

    Richard Holmes Keller Williams Elevate

    14315 Viola Ave, Cleveland, OH 44111
  • /25

    $239,900

    • 3 Beds
    • 1 Bath
    • 1,302 Sq Ft

    6310 Alexandria Dr, Parma Heights, OH 44130

    This charming Cape Cod is a fantastic opportunity for homebuyers looking for a home that offers comfort, functionality, and room to make it their own! Featuring 3 bedrooms and 1 full bathroom, this home offers a spacious living room filled with natural light from the large picture window, creating a warm and inviting space to relax or entertain. The functional kitchen includes a stylish

    Mike Azzam RE/MAX Haven Realty

    6310 Alexandria Dr, Parma Heights, OH 44130
  • /22

    $159,900

    $10K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 1,440 Sq Ft

    3105 Searsdale Ave, Cleveland, OH 44109

    The beautiful Colonial home offers natural woodwork & hardwood floors throughout in Old Brooklyn. Enjoy time on the wide front porch. The spacious Living room with fireplace continues into the Dining room with built in's. You'll notice the wide doorways on 1st floor. Enjoy the eat in Kitchen (includes - Refrigerator, Stove & Dishwasher). Also, the 1st floor includes an addition to the home used

    Rose Sternik $2100$ Realty Sellers Choice,

    3105 Searsdale Ave, Cleveland, OH 44109
  • /14

    $282,000

    $17K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,424 Sq Ft

    3436 W 131st St, Cleveland, OH 44111

    NO SIGN ** both units occupied -please do not disturb the tenants ** have your agent follow the showing instructions - need 48hr notice for access ** move in ready units with many updates and improvements ** major item was a new roof installed in 2025 ** hot water tanks replaced in 2024 ** natural woodwork in both units and built-in cabinets and window seat and fireplaces ** each unit has a

    Amy McMahon Howard Hanna

    3436 W 131st St, Cleveland, OH 44111
  • /21

    $199,900

    • 2 Beds
    • 2 Baths

    3602 W 120th St, Cleveland, OH 44111

    This beautifully renovated ranch offers a thoughtfully designed open floor plan that’s perfect for both everyday living and entertaining. A welcoming front porch invites you into a spacious living room that flows seamlessly into the dining area and stunning new kitchen. The state-of-the-art kitchen showcases quality shaker cabinetry, sleek quartz countertops, stainless steel appliances, and

    Marie Nader Howard Hanna

    3602 W 120th St, Cleveland, OH 44111
  • /38

    $363,900

    Open Fri 5PM - 6:30PM $11K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 2,443 Sq Ft

    8636 Scarlet Oak Ln, Parma, OH 44130

    Welcome home to this beautiful ranch nestled on a peaceful cul-de-sac in desirable Dogwood Estates! This 3-bedroom, 3-bath home offers comfortable one-floor living with additional space to spread out in the full walk-out basement. On a serene, treed lot, this property offers a quiet, nature-filled setting while still being conveniently located near shopping, dining, and highways. The main level

    Julia Halusker Russell Real Estate Services

    8636 Scarlet Oak Ln, Parma, OH 44130
  • /49

    $219,230

    $9K PRICE DROP
    • 3 Beds
    • 2.5 Baths

    3290 W 23rd Place, Cleveland, OH 44109

    Rare opportunity to own a house on a ONE way, newly paved street, just 2 minutes from Metro Hospital. Perfectly located, within 5 minutes, you can be in Tremont for dinner and then in another 5 minutes, downtown for a night out on the town. I-480 and I-90 highways are 3 minutes away. Large, covered front porch to enjoy in nice weather with a cup of coffee or watching a rainstorm. Remodeled

    Marjorie Corrigan Berkshire Hathaway HomeServices Lucien Realty

    3290 W 23rd Place, Cleveland, OH 44109
  • /50

    $114,900

    • 3 Beds
    • 2 Baths

    12716 Kadel Ave, Cleveland, OH 44135

    Investor special with outstanding upside! This 3-bedroom, 1-bath home offers a strong value-add opportunity for investors, flippers, or buyers looking to build equity. Featuring low-maintenance vinyl siding, vinyl flooring, a partially finished basement, and a functional layout, the property is ready for a new owner to bring their vision and complete the project. An excellent candidate for a

    Nicole Garcia EXP Realty, LLC.

    12716 Kadel Ave, Cleveland, OH 44135
  • /34

    $200,000

    • 4 Beds
    • 2 Baths
    • 1,701 Sq Ft

    7096 Pearl Rd, Middleburg Heights, OH 44130

    Rare opportunity to own nearly an acre in Middleburg Heights, one of Cleveland's most sought-after west side suburbs. Cash buyers only! Due to the age of the existing septic system, traditional financing is not available. The home is being sold AS IS and priced to reflect the work needed, creating an outstanding opportunity for investors, contractors, or buyers ready to take on a true renovation

    Jennifer Herron-Underwood Howard Hanna

    7096 Pearl Rd, Middleburg Heights, OH 44130
  • /39

    $130,000

    • 3 Beds
    • 1 Bath
    • 1,497 Sq Ft

    3425 W 88th St, Cleveland, OH 44102

    ATTENTION INVESTORS! Quality, turnkey, tenant-occupied opportunity on the desirable west side of Cleveland. Property is lead certified/compliant with City of Cleveland requirements—helping you avoid costly violations & operate w/confidence. Immediate cash flow from day one in a strong rental location positioned for tenant retention/long-term appreciation. Well-maintained home features a custom

    Christopher Frederick Coldwell Banker Schmidt Realty

    3425 W 88th St, Cleveland, OH 44102
  • /2

    $165,000

    $15K PRICE DROP
    • 4 Beds
    • 2 Baths

    4131 Hyde Ave, Cleveland, OH 44109

    Fully renovated house. Everything is brand new. Currently owner occupied, but would make an amazing investment property. Email agent for market rent roll & video tour along with complete investment analysis, drone footage, information on the mechanical systems of the building. Professional property management available. Local & out of state investors welcome!

    James Wise The Holton-Wise Property Group LLC

    4131 Hyde Ave, Cleveland, OH 44109
  • /42

    $279,900

    $40K PRICE DROP
    • 4 Beds
    • 1.5 Baths
    • 2,211 Sq Ft

    12958 W Pleasant Valley Rd, Parma, OH 44130

    Four bedroom, one and a half bath Cape Cod on almost an acre! Updated kitchen has quartz countertops, tile backsplash, pantry and stainless steel appliances. First floor laundry room with big clear glass block windows for a great view of the big backyard. Living room features a nice view of front wooded area across the street! Dining room with french doors leading to a three season sun room. Main

    Tim Ali JMG Ohio

    12958 W Pleasant Valley Rd, Parma, OH 44130
  • /21

    $199,000

    • 4 Beds
    • 2 Baths
    • 2,188 Sq Ft

    3393 W 131st St, Cleveland, OH 44111

    Classic West Park duplex on a beautiful tree-lined street! This well-maintained classic Cleveland double features two spacious units —each offering front and rear porches for additional outdoor living space. Full of original character, you'll find stunning stained woodwork throughout, large crown moldings and baseboards, leaded glass built-in cabinets in the living and dining rooms, and beautiful

    Matthew Ditlevson Russell Real Estate Services

    3393 W 131st St, Cleveland, OH 44111
  • /16

    $188,000

    $12K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,440 Sq Ft

    4222 Behrwald Ave, Cleveland, OH 44109

    Charming Old Brooklyn colonial enjoyed by one family for many years now ready for a new owner to make it their own. Beautifully remodeled kitchen with granite counters, stainless appliances, and a breakfast bar. The spacious dining room features built-ins and hardwood floors. The master bedroom has a tandem bonus room perfect for an office, nursery, dressing room or additional bedroom. The other

    Kerry Good Regal Realty, Inc.

    4222 Behrwald Ave, Cleveland, OH 44109
  • /42

    $159,900

    $15K PRICE DROP
    • 4 Beds
    • 1.5 Baths

    2718 Roanoke Ave, Cleveland, OH 44109

    Nestled in the heart of Old Brooklyn, this charming colonial-style single-family home offers the perfect blend of comfort, functionality, and character. Featuring 4 bedrooms and 2 bathrooms, this home provides a flexible layout ideal for a variety of living needs. The first floor offers two spacious bedrooms, a convenient half bathroom, a welcoming living room, and a functional kitchen perfect

    Paula Ramirez EXP Realty, LLC.

    2718 Roanoke Ave, Cleveland, OH 44109
  • /39

    $190,000

    • 3 Beds
    • 1 Bath
    • 1,280 Sq Ft

    3371 W 131st St, Cleveland, OH 44111

    Welcome home to this charming and well-maintained 3-bedroom Colonial, where classic character meets modern updates. The beautifully renovated kitchen (2025) offers stylish finishes, updated cabinetry, natural stone countertops and a functional layout that’s perfect for everyday living and entertaining. Throughout the home, you’ll find a warm and inviting atmosphere that reflects years of pride in

    Danielle Mayo EXP Realty, LLC.

    3371 W 131st St, Cleveland, OH 44111
  • /12

    $203,000

    $6K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,957 Sq Ft

    6332 State Rd, Cleveland, OH 44134

    Welcome to this charming Cape Cod brick home offering classic character and modern updates throughout in the heart of Parma. This 3-bedroom, 1-bath home features an open layout with updated flooring, fresh paint, and clean finishes, creating a truly move-in ready feel. The kitchen is nicely updated with white shaker cabinetry, granite-look countertops, and stainless steel appliances. The full

    Irina Kleyner Smartland, LLC.

    6332 State Rd, Cleveland, OH 44134
  • /39

    $169,900

    $10K PRICE DROP
    • 5 Beds
    • 2 Baths
    • 2,733 Sq Ft

    3098 W 101st St, Cleveland, OH 44111

    Fully occupied duplex with reliable tenants in place and immediate cash flow from day one. Currently bringing in $2,000 per month in rental income, with one unit rented for $1,050 per month and the other for $950 per month. This is a solid opportunity for an investor looking to add a performing asset to their portfolio without the hassle of leasing vacant units. Each unit offers comfortable

    Joseph Samide Realtown Realty LLC

    3098 W 101st St, Cleveland, OH 44111
  • /50

    $249,999

    Open Sat 12PM - 1:30PM
    • 4 Beds
    • 2 Baths

    6531 Bonroi Dr, Seven Hills, OH 44131

    Opportunity awaits at this lovely 4 bedroom 2 bathroom home in the heart of Seven Hills! If you have been searching for a property with endless potential, this is the one. Bring your vision and creativity to transform this property into something truly special. The home features a functional layout with four bedrooms, an eat in kitchen, and a cozy fireplace that adds warmth and character to the

    Jeffrey Carducci McDowell Homes Real Estate Services

    6531 Bonroi Dr, Seven Hills, OH 44131
  • /35

    $169,000

    $6K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 1,316 Sq Ft

    3005 Colburn Ave, Cleveland, OH 44109

    This updated home in Old Brooklyn is ready to move into right away. It is perfect for an owner-occupant or an investor who wants an updated property with appliances. The main living room gets lots of sunlight and has charm! The kitchen even has a dishwasher! Upstairs, there are three bedrooms. The main bathroom is very large and has a stand-up shower and a two sink vanity. There is also a big

    Chelsea Soyko RE/MAX Above & Beyond

    3005 Colburn Ave, Cleveland, OH 44109
  • /48

    $174,900

    $10K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,633 Sq Ft

    3200 W 94th St, Cleveland, OH 44102

    Prime Investment Opportunity Awaits! This Fully Occupied Duplex Located In The West Boulevard Neighborhood Is The Perfect Property To Add To Your Cleveland Portfolio. Both 2 Bedroom, 1 Bathroom Units Have Updated Kitchens And Bathrooms, And Are Currently Leased At $900 Per Month Each, Providing Instant Cash Flow. Additional Updates Include Updated Flooring Throughout, An Updated Electrical Panel,

    Ryan McCullough RE/MAX Above & Beyond

    3200 W 94th St, Cleveland, OH 44102
  • /30

    $175,000

    $5K PRICE DROP
    • 5 Beds
    • 2 Baths
    • 2,110 Sq Ft

    3333 Denison Ave, Cleveland, OH 44109

    Check out this clean duplex located in the Brooklyn Centre neighborhood. The exterior is in great condition with nice siding, a newer roof (2023), vinyl windows, concrete driveway and 1 car garage. Each unit has LVP flooring, updated lighting and was fully painted throughout. The kitchens have plenty of cabinetry and are larger in size than most in the area. The bathrooms have newer vanities,

    Josh Janus Key Realty

    3333 Denison Ave, Cleveland, OH 44109
  • /32

    $559,900

    $65K PRICE DROP
    • 4 Beds
    • 4 Baths
    • 4,812 Sq Ft

    7582 Wilton Ln, North Royalton, OH 44133

    Welcome to 7582 Wilton Ln. in beautiful South Hampton Woods, a spacious 4-5 bedroom, 4 full bath gem with a finished walk-out basement, 10’ ceilings, abundance of natural light and stunning views of the wooded back yard. Enter to the 2-story foyer and dining room with hardwood flooring and large windows overlooking the front yard. French doors lead to the den or office off the family room. The

    Lori Emery High Point Real Estate Group

    7582 Wilton Ln, North Royalton, OH 44133
  • /18

    $112,000

    $8K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 864 Sq Ft

    11820 Guardian Blvd, Cleveland, OH 44135

    Welcome to Guardian Boulevard, where an exciting opportunity to begin your homeownership journey awaits! This three-bedroom, one-bath ranch offers a comfortable single-level layout with space to settle in, personalize, and make your own over time. Central air, forced-air heat, and a two-car garage add everyday convenience, while the manageable footprint makes the home approachable for buyers

    Zaurice Stephens EXP Realty, LLC.

    11820 Guardian Blvd, Cleveland, OH 44135
  • /32

    $154,900

    • 3 Beds
    • 1.5 Baths
    • 924 Sq Ft

    3551 W 67th St, Cleveland, OH 44102

    Welcome To This Charming, Move-In Ready 3-Bedroom, 1.5-Bath Single-Family Home Located On Cleveland's West Side. Offering A Functional Layout With Spacious Living Areas, This Home Provides The Perfect Opportunity For First-Time Homebuyers, Growing Households, Or Investors Looking To Add To Their Portfolio. The Main Level Features A Bright And Inviting Living Room, A Dedicated Dining Area Ideal

    Ryan McCullough RE/MAX Above & Beyond

    3551 W 67th St, Cleveland, OH 44102
  • /50

    $275,000

    Open Sat 1PM - 3PM
    • 4 Beds
    • 1 Bath
    • 2,292 Sq Ft

    4725 Eric Ave, Cleveland, OH 44109

    Welcome home to this beautifully updated 3- 4 brick bedroom ranch w/ attached 2-car garage in the heart of Old Brooklyn! From the moment you enter, you’ll appreciate the bright and inviting living room filled with natural light and the gorgeous hardwood floors that flow throughout the main living areas. The updated kitchen features white cabinetry, subway tile backsplash, modern granite

    Tamika Little BHR & Associates

    4725 Eric Ave, Cleveland, OH 44109
  • /38

    $230,000

    • 6 Beds
    • 2 Baths
    • 2,400 Sq Ft

    4103 Cypress Ave, Cleveland, OH 44109

    Fantastic and spacious side-by-side duplex in popular Old Brooklyn! Both units feature 1200 square feet of living space with 3 bedrooms, 1 full bathroom, and laundry hookups in the separate basements!. Featuring nearly identical floorplans, each unit features a generous living room as you step inside from the welcoming front porches. A spacious dining room connects the living room to a kitchen at

    Bradley Speck Berkshire Hathaway HomeServices Professional Realty

    4103 Cypress Ave, Cleveland, OH 44109
  • /45

    $385,000

    $35K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,522 Sq Ft

    9841 Cedarwood Dr, North Royalton, OH 44133

    Welcome to a home filled with space, character, and endless possibilities! Conveniently located close to shopping, dining, schools, and everyday amenities, this spacious 4-bedroom, 3-full-bath home offers a flexible layout designed for comfortable living.The oversized owner's suite provides a private retreat, while the expansive bonus room with soaring vaulted ceilings is perfect for a game

    Mike Bomboris RE/MAX Showcase

    9841 Cedarwood Dr, North Royalton, OH 44133
  • /4

    $385,000

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 1,848 Sq Ft

    3520 Stanford Ave Unit 3, Cleveland, OH 44109

    Eligible for Cleveland’s 15 year tax abatement program. This Stanford townhome is an exceptional residence designed for those who value both comfort and modern living. Nestled in Cleveland's charming Old Brooklyn, this property is perfect for anyone seeking a stylish home in a prime location. With an expansive floor plan, the Stanford townhome offers two levels of living space, including an

    Anthony Latina RE/MAX Crossroads Properties

    3520 Stanford Ave Unit 3, Cleveland, OH 44109
  • /8

    $124,000

    $26K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,312 Sq Ft

    3618 W 49th St, Cleveland, OH 44102

    up & down duplex is fully occupied with long term tenants (up unit since May, 2019, down unit since Sept 2020); each unit brings in $850/mo effective 7.1.26each unit: kitchens are eat in kitchens; fridge & stove are owner supplied; dining room, living room, 2brdown unit has a bonus room off the kitchenup unit furnace installed 2020, down furnace installed 2017; roof installed Mar

    Karen Bostwick D & K Property Management Services

    3618 W 49th St, Cleveland, OH 44102
  • /26

    $219,900

    • 3 Beds
    • 1.5 Baths
    • 1,727 Sq Ft

    4710 Maplecrest Ave, Cleveland, OH 44134

    Welcome to this beautifully maintained and meticulously cared-for home — where comfort meets character in a beautifully inviting atmosphere, both inside and outside. Step inside to discover a warm and inviting interior featuring a variety of updates, crown molding, plush carpeting, custom made cabinetry and updated windows. Stunning living room with an updated bricked accent wall showcasing

    Sandra Sims Berkshire Hathaway HomeServices Professional Realty

    4710 Maplecrest Ave, Cleveland, OH 44134
  • /10

    $68,800

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

    3353 W 46th St, Cleveland, OH 44102

    Investor Opportunity in Clark-Fulton! This income-producing duplex offers tremendous upside in one of Cleveland's most conveniently located neighborhoods. Currently configured as a 1-bedroom, 1-bath unit side by side with another 1-bedroom, 1-bath unit, this property features separate electric service with two electrical panels, updated electrical (approximately 10 years old), a roof estimated at

    Anna Lee Rindskopf RE/MAX Crossroads Properties

    3353 W 46th St, Cleveland, OH 44102
  • /11

    $155,000

    • Land
    • 1.01 Acres
    • $153,450 per Acre

    872 E Dawnwood Dr, Seven Hills, OH 44131

    Build your dream home on this exceptional one-acre lot tucked away on a quiet cul-de-sac in Seven Hills! This corner parcel offers privacy, mature trees, and a peaceful neighborhood setting while still being close to city conveniences. The lot has been cleared and staked, with engineering and planning surveys already completed —saving you time and upfront costs. All utilities are underground and

    Michael Pasadyn Jr. Russell Real Estate Services

    872 E Dawnwood Dr, Seven Hills, OH 44131
  • /34

    $179,500

    • 3 Beds
    • 1 Bath
    • 2,184 Sq Ft

    6379 State Rd, Cleveland, OH 44134

    Ranch with 3 Bedrooms and 1 Full Bathroom * 2 Car garage with an opener and an updated garage door * Living Room is spacious and has nice hardwood floors and a big front window * 3 good sized Bedrooms with nice hardwood floors * Spacious Eat in Kitchen with appliances that remain * Updated Full Bathroom * Basement Recreation Room has a ventless gas fireplace and is nicely finished* Spacious

    Bruce Trammell Keller Williams Elevate

    6379 State Rd, Cleveland, OH 44134
  • /8

    $209,000

    • 6 Beds
    • 3 Baths

    10215 Adelaide Ave, Cleveland, OH 44111

    Buy the house with two units, get the third unit for free! The attic area is finished with a third unit. The 1st- and 2nd-floor units each have two bedrooms, a kitchen, a living room, and a full bathroom. They also have window AC units. The third floor has a kitchen, a living room, and two bedrooms. Only window AC units. Long-term tenants have a month-to-month lease. The second-floor unit is

    Carmen Pirsan Your Home Realty, LLC

    10215 Adelaide Ave, Cleveland, OH 44111
  • /14

    $219,900

    $5K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,896 Sq Ft

    6411 Snow Rd, Cleveland, OH 44129

    You'll love this spacious, 4-bedroom brick bungalow with a covered front porch. What's more, this home includes an adjacent 40x133 manicured lot. That's right--you can plant a large garden; build a shed; or simply enjoy an open yard. On top of that, at the rear of the lot is a driveway turnaround allowing for easy in-and-out access. Inside, the comfortable living room has a working fireplace and

    Kim Mastrandrea Wilkes Realty, LLC.

    6411 Snow Rd, Cleveland, OH 44129
  • /10

    $144,000

    • 2 Beds
    • 1 Bath
    • 780 Sq Ft

    4501 W 172nd St, Cleveland, OH 44135

    4501 W 172nd St, Cleveland, OH 44135 FRESHLY RENOVATED A very charming single-family bungalow located in the West Park area. Conveniently located to parks and only a 1.5-mile drive to access the highway for your short 10-mile journey to the Downtown Cleveland Area!! Only 1 hour away from the World-famous "Cedar Point amusement park"!! This home features 3 nice sized bedrooms and an open floor

    Steven Koleno Beycome Brokerage Realty LLC

    4501 W 172nd St, Cleveland, OH 44135
  • /50

    $175,000

    • 5 Beds
    • 2 Baths
    • 1,824 Sq Ft

    4432 Pearl Rd, Cleveland, OH 44109

    A comprehensively renovated 5-bedroom, 2-bathroom single-family home in Cleveland's Brooklyn Centre / Old Brooklyn neighborhood. The property has been rebuilt from the systems up — all flooring, cabinetry, and bathrooms replaced, electrical and plumbing completely redone, and HVAC replaced — for a move-in-ready home with no near-term capital expenditure. Currently occupied by a long-term tenant

    Chassity Miller EXP Realty, LLC.

    4432 Pearl Rd, Cleveland, OH 44109
  • /11

    $185,000

    $20K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,111 Sq Ft

    2710 Stanfield Dr, Cleveland, OH 44134

    3 bedroom Cape Cod on quiet street in desirable Parma neighborhood. Appliances included: stainless steel stove, stainless steel refrigerator, washing machine/dryer. Hardwood floors throughout. Basement offers laundry space and plenty of storage. Central heat and AC. Fenced in backyard. Detached single car garage. New Roof 2018.

    Ronald Szmik Russell Real Estate Services

    2710 Stanfield Dr, Cleveland, OH 44134
  • /8

    $1,450,000

    • Land
    • 6.22 Acres
    • $233,119 per Acre

    7305 Pearl Rd, Middleburg Heights, OH 44130

    Prime commercial opportunity on Pearl Road in Middleburg Heights featuring a combined development site of approximately 6.23 acres across two consolidated parcels. This property offers strong frontage along a high traffic corridor, providing excellent visibility and accessibility for a wide range of commercial uses. The site is zoned Restaurant, Amusement, and Recreational Services, allowing

    Sylvia Incorvaia EXP Realty, LLC.

    7305 Pearl Rd, Middleburg Heights, OH 44130

Showing Results 281 - 320, Page 8 of 13

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