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Richmond, TX Homes for Sale under $500,000

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  • /35

    $465,000

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

    3718 Potts Ct, Richmond, TX 77406

    WELCOME TO 3718 POTTS COURT IN THE HIGHLY SOUGHT-AFTER MCCRARY MEADOWS COMMUNITY. THIS BEAUTIFULLY MAINTAINED LENNAR HOME OFFERS an OPEN-CONCEPT FLOOR PLAN with SOARING CEILINGS, RICH WOOD FLOORING, and abundant NATURAL LIGHT throughout. The GOURMET KITCHEN features GRANITE COUNTERTOPS, STAINLESS STEEL APPLIANCES, oversized ISLAND seating, and extensive cabinetry, all flowing seamlessly into the

    Audra O'Neal ONTX Realty Partners

    3718 Potts Ct, Richmond, TX 77406
  • /8

    $440,000

    • 4 Beds
    • 3.5 Baths
    • 3,640 Sq Ft

    18027 Oakridge Canyon Ln, Richmond, TX 77407

    Beautiful 4-bed, 3.5-bath home with soaring ceilings, a grand staircase, and spacious living areas. The chef’s kitchen offers a large island and ample cabinetry, while the serene primary suite provides a relaxing retreat. A huge game room and flexible media room (or 5th bedroom) add great versatility. A rare chance to secure a stylish, spacious home with strong potential.

    Adeola Oyewale eXp Realty LLC

    18027 Oakridge Canyon Ln, Richmond, TX 77407
  • /26

    $469,900

    • 4 Beds
    • 5 Baths
    • 4,554 Sq Ft

    22106 Stonebriar Ln, Richmond, TX 77469

    Stunning traditional home in the heart of Riverpark West offering space, comfort, and flexibility for modern living! This 4-bedroom, 3.5-bath residence features over 4,500 sq ft with a functional layout that includes two primary suites, a private home office, formal dining, and an expansive upstairs game room. The island kitchen opens seamlessly to the family room and is equipped with granite

    Samuel Westry C.R.Realty

    22106 Stonebriar Ln, Richmond, TX 77469
  • /12

    $484,438 New Construction

    • 4 Beds
    • 3 Baths
    • 2,728 Sq Ft

    4768 Ara Dr, Richmond, TX 77469

    NEW CONSTRUCTION by Beazer Homes, America’s #1 Energy Efficient New Home Builder! Welcome home to 4758 Ara Dr, located in the Austin Point community in Richmond, TX, and zoned to highly rated Lamar Consolidated ISD schools. This Huntsville home features 4 bedrooms, 3 baths, and 2,728 sq. ft. of thoughtfully designed living space. Soaring high ceiling in the living room, gourmet kitchen and

    Jimmy Franklin eXp Realty LLC

    4768 Ara Dr, Richmond, TX 77469
  • /23

    $475,000 New Construction

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

    3226 Kindred Way, Richmond, TX 77406

    Stunning Torres plan located at 3226 Kindred Way. This thoughtfully designed two-story home offers 4 bedrooms, 3.5 Baths, a dedicated study, and a 2-car wide garage. The open-concept living space is perfect for everyday living and entertaining. The dining area features an upgraded built-in cabinet hutch, adding both style and functionality. The spacious primary suite includes an extended bedroom

    Highland Homes Builder
    3226 Kindred Way, Richmond, TX 77406
  • /3

    $474,900 New Construction

    • 4 Beds
    • 3.5 Baths
    • 2,384 Sq Ft

    26822 Concord Dawn Dr, Richmond, TX 77406

    This floor plan begins at the front porch and entry, leading past a half bath into the kitchen, dining area, and family room at the rear of the home. The primary suite is located on the first floor and positioned for privacy with an en-suite primary bath, a glass enclosed shower and walk-in closet. The main living spaces connect directly to the covered backyard patio for indoor-outdoor living.

    Perry Homes Builder
    26822 Concord Dawn Dr, Richmond, TX 77406
  • /20

    $499,990 New Construction

    • 4 Beds
    • 3 Baths
    • 2,651 Sq Ft

    26823 Brilliant Brook Dr, Richmond, TX 77406

    This stunning home caters to a variety of preferences with its beautiful brick elevation with a front bedroom bow window wall. As you enter the home, the foyer will delight you with high ceilings. This two-story boasts two bedrooms on the first floor and an additional two bedrooms on the second floor. Entering into the heart of the house, the open-concept layout invites enjoyment. The well-lit

    Jared Turner Coventry Homes

    26823 Brilliant Brook Dr, Richmond, TX 77406
  • /14

    $474,900 New Construction

    • 4 Beds
    • 3 Baths
    • 2,504 Sq Ft

    5214 Momo Ln, Richmond, TX 77469

    Home office with French doors set at entry with 12-foot ceiling. Extended entry leads to open kitchen, dining area and family room. Kitchen features corner walk-in pantry, a 5-burner gas cooktop, generous counter space and island with built-in seating space. Dining area flows into family room with wall of windows. Primary suite includes double-door entry to primary bath with dual vanities,

    Perry Homes Builder
    5214 Momo Ln, Richmond, TX 77469
  • /50

    $499,990

    • 5 Beds
    • 4 Baths
    • 3,274 Sq Ft

    95 Rivercove Ln, Richmond, TX 77406

    Tucked at the head of a quiet cul-de-sac in sought-after Rivers Edge, this stunning 5-bed, 4-bath home blends grand design, smart tech, and everyday luxury. Soaring ceilings and a light-filled layout welcome you from a dramatic foyer. The gourmet kitchen features a full smart appliances package plus a whole-house water softener and kitchen RO filter. The reimagined primary suite boasts a custom

    Vamshi Kyatham Keller Williams Realty Southwest

    95 Rivercove Ln, Richmond, TX 77406
  • /29

    $439,990 New Construction

    • 4 Beds
    • 4 Baths
    • 2,743 Sq Ft

    4774 Ara Dr, Clodine, TX 77469

    Experience modern living in the Cypress home plan, offering two bedrooms downstairs and a private study with elegant French doors. Situated with no rear neighbors and a concrete-built fence for added privacy and sound barrier, this home is also within walking distance to the 1824 Community Center. The open-concept layout showcases soaring ceilings in the family room and a clear view of the

    Ashton Woods Builder
    4774 Ara Dr, Clodine, TX 77469
  • /37

    $490,900 New Construction

    • 4 Beds
    • 3 Baths
    • 2,513 Sq Ft

    2513W Plan at Candela South - 50', Richmond, TX 77406

    Extended entryway with 12-foot ceilings. Game room with French doors frame the entry. Spacious family room with a wall of windows. Open kitchen offers an island with built-in seating space and a corner walk-in pantry. Primary suite with a wall of windows. Dual vanities, garden tub, separate glass enclosed shower and two walk-in closets in the primary bath. Guest suite just off the extended entry

    Perry Homes Builder
    8602 Gleaming Village Way Unit 36454625, Richmond, TX 77406
  • /37

    $449,000

    • 4 Beds
    • 3 Baths
    • 2,881 Sq Ft

    6823 Amber Cliff Ln, Booth, TX 77469

    This contemporary house, built in 2022, features a modern and energy-efficient design, combining style with functionality. With four bedrooms and three full bathrooms, it offers ample space for a comfortable and spacious living experience. Energy efficent to save you TONS of money on utility bills. Well-designed kitchen equipped with top of the line applicances, high-quality countertops and ample

    Sean Namli Dr. Sean Realty, LLC

    6823 Amber Cliff Ln, Booth, TX 77469
  • /12

    $406,900 New Construction

    • 4 Beds
    • 3 Baths
    • 2,405+ Sq Ft

    Thornhill Plan at Austin Point - Summit, Richmond, TX 77469

    The Thornhill is a two-story design that perfectly combines sophistication and practicality, offering a layout tailored to your lifestyle. The dramatic dining area, open to above, creates a grand first impression, while the pocket office off the family foyer adds a convenient space for work or organization. A first-floor guest suite with a bath ensures your visitors feel right at home. The

    Drees Homes Builder
    10802 Pioneer Point Unit 37233474, Richmond, TX 77469
  • /25

    $444,958 Open Sat 12PM - 5PM

    • 4 Beds
    • 3.5 Baths
    • 2,463 Sq Ft

    26739 Azalea Sky Dr, Richmond, TX 77406

    MOVE IN READY!! Westin Homes NEW Construction (Terrace, Elevation B) This beautiful two-story home features 4 bedrooms and 3.5 bathrooms, designed for modern living and comfort. The open-concept layout includes a stunning island kitchen that flows into the dining area and family room, perfect for entertaining. The primary suite offers a luxurious retreat with a large walk-in closet, while

    Tammy Fruge Westin Homes

    26739 Azalea Sky Dr, Richmond, TX 77406
  • /37

    $460,000

    • 4 Beds
    • 3.5 Baths
    • 2,989 Sq Ft

    4526 Selwyn Rd, Richmond, TX 77407

    Zoned to highly acclaimed New Territory schools, this thoughtfully designed 2-story w/a Richmond address is ready for its next owners to love. Elegant formal dining is perfect for entertaining. For comfortable daily living, an impressive family room w/a romantic FP & soaring ceiling opens to the kitchen & breakfast area. Spectacular kitchen is a chef’s delight w/granite counters, SS appliances, a

    Sarah O'Shields BHHS Karapasha Realty

    4526 Selwyn Rd, Richmond, TX 77407
  • /3

    $429,990 New Construction

    • 4 Beds
    • 3 Baths
    • 2,417 Sq Ft

    10806 Pioneer Point, Richmond, TX 77469

    The Thornhill is a two-story design that perfectly combines sophistication and practicality, offering a layout tailored to your lifestyle. The dramatic dining area, open to above, creates a grand first impression, while the pocket office off the family foyer adds a convenient space for work or organization. A first-floor guest suite with a bath ensures your visitors feel right at home. The

    Drees Homes Builder
    10806 Pioneer Point, Richmond, TX 77469
  • /25

    $429,921 New Construction

    • 4 Beds
    • 3.5 Baths
    • 2,590 Sq Ft

    10710 Ursa St, Richmond, TX 77469

    Westin Homes NEW Construction (Haven X, Elevation AL) CURRENTLY BEING BUILT. This beautiful two-story home offers 4 bedrooms and 3.5 bathrooms, thoughtfully designed for comfort and style. A private study provides space for a home office. The kitchen opens to the family room and dining area, creating an ideal setting. The primary suite features a spacious layout with a large walk-in closet.

    Tammy Fruge Westin Homes

    10710 Ursa St, Richmond, TX 77469
  • /24

    $424,481 Open Sat 12PM - 5PM

    • 4 Beds
    • 3.5 Baths
    • 2,600 Sq Ft

    4619 N Star Trail, Clodine, TX 77469

    MOVE IN READY! Westin Homes NEW Construction (Haven X, Elevation C) This beautiful two-story home offers 4 bedrooms and 3.5 bathrooms, thoughtfully designed for comfort and style. A private study provides space for a home office. The kitchen opens to the family room and dining area, creating an ideal setting. The primary suite features a spacious layout with a large walk-in closet. Upstairs, a

    Tammy Fruge Westin Homes

    4619 N Star Trail, Clodine, TX 77469
  • /26

    $435,000

    • 4 Beds
    • 3 Baths
    • 2,631 Sq Ft

    21819 Oleaster Springs Ln, Richmond, TX 77469

    Gorgeous 1 story 4 bedrooms and 3 full bathrooms PERRY HOME's model in River Park West. Original Owner. This home offers the perfect blend of comfort and convenience. The spacious family room is filled with natural light, complementing the tile and laminate wood floors throughout, easy to maintain without carpet. Enjoy formal dining, an open-concept kitchen featuring granite countertops, ample

    Randy Hou Texas Signature Realty

    21819 Oleaster Springs Ln, Richmond, TX 77469
  • /4

    $460,990 New Construction

    • 4 Beds
    • 3 Baths
    • 2,728 Sq Ft

    Huntsville Plan at Arabella on the Prairie - Heritage Collection, Booth, TX 77469

    The Huntsville is a two-story home with a dramatic great room featuring soaring ceilings, tall windows, and an open staircase with landing. The dining area includes a window seat, and the spacious kitchen has a large island with walk-in pantry. The first floor also features a central study, secondary bedroom, and primary suite with cathedral ceiling and luxury bath. Upstairs offers private

    Beazer Homes Builder
    6902 Ivory Sedge Trail Unit 37072604, Booth, TX 77469
  • 5515 Kingdom Heights Blvd Unit 37076144, Rosenburg, TX 77471

    $425,290 New Construction

    • 4 Beds
    • 3.5 Baths
    • 3,176 Sq Ft

    The Cedar (L412) Plan at Kingdom Heights, Rosenburg, TX 77471

    The Cedar's curved staircase is the centerpiece of this sprawling open-concept. Cook dinner in the kitchen without missing the conversation in the family room. Upstairs, the game room affords endless possibilities.

    Meritage Homes Builder
    5515 Kingdom Heights Blvd Unit 37076144, Rosenburg, TX 77471
  • /3

    $427,900 New Construction

    • 4 Beds
    • 3.5 Baths
    • 2,384 Sq Ft

    2384W Plan at Austin Point - 40', Richmond, TX 77469

    This floor plan begins at the front porch and entry, leading past a half bath into the kitchen, dining area, and family room at the rear of the home. The primary suite is located on the first floor and positioned for privacy with an en-suite primary bath, a glass enclosed shower and walk-in closet. The main living spaces connect directly to the covered backyard patio for indoor-outdoor living.

    Perry Homes Builder
    4714 N Star Trail Unit 39875673, Richmond, TX 77469
  • /49

    $489,000

    • 5 Beds
    • 4 Baths
    • 2,991 Sq Ft

    519 Ellwood Terrace Ln, Richmond, TX 77406

    Beautiful 5-bedroom, 4-bath home (2 bedrooms down) located in the sought-after community of Mandola Farms. The downstairs features durable LVP flooring and an open-concept living and dining area ideal for everyday living and entertaining. The beautiful kitchen offers quartz countertops and an abundance of cabinet space, creating a functional and inviting centerpiece of the home. All appliances

    Pinky Pirani Keller Williams Realty Southwest

    519 Ellwood Terrace Ln, Richmond, TX 77406
  • /50

    $459,000

    • 4 Beds
    • 3.5 Baths
    • 2,986 Sq Ft

    6619 Elks Trace, Richmond, TX 77406

    Beautifully maintained home in the desirable Long Meadow Farms community! This stunning 2-story offers 4 spacious bedrooms, 3.5 baths, and a bright open layout perfect for modern living. The gourmet kitchen features granite countertops, stainless steel appliances, and a large island that flows into the family room with soaring ceilings and abundant natural light. The primary suite offers a

    Irfan Ali SKW Realty

    6619 Elks Trace, Richmond, TX 77406
  • /48

    $439,900

    • 3 Beds
    • 2.5 Baths
    • 2,496 Sq Ft

    1627 N Hearthside Dr, Richmond, TX 77406

    Welcome to this delightful Pecan Grove home offering 3 bedrooms, 2.5 bathrooms, and multiple living areas for entertaining or relaxation. The layout includes a bright living space with a cozy fireplace, a versatile front room for dining or a home office, and a spacious game room. The kitchen flows seamlessly into the main areas, perfect for gatherings. The primary suite is a peaceful retreat with

    Aida Covic NB Elite Realty

    1627 N Hearthside Dr, Richmond, TX 77406
  • /32

    $415,000 Open House 5/23

    • 4 Beds
    • 3.5 Baths
    • 2,714 Sq Ft

    1919 Ascot Dew Ct, Richmond, TX 77469

    Stunning 1.5 story home located in Walnut Creek.This beautiful home features 4BR(split plan and all down) 3 full & 1 half baths. With high ceilings, crown molding, abundance of natural light & tile flooring throughout first floor, this open concept floor plan includes a chef's dream kitchen w/large island, granite counters, stainless steel appliances & custom painted cabinetry.The butler's pantry

    Sallie Wheeler All City Real Estate

    1919 Ascot Dew Ct, Richmond, TX 77469
  • /14

    $417,900 New Construction

    • 3 Beds
    • 3.5 Baths
    • 2,504+ Sq Ft

    Newhaven Plan at Austin Point - Summit, Richmond, TX 77469

    The Newhaven is a uniquely designed home that blends style with thoughtful functionality. On the first floor, you?ll find two spacious bedrooms, each with its own private bath, and a versatile flex space perfect for a home office, playroom, or lounge. Enhance this space by adding an optional sliding glass door and a charming wraparound porch, creating a seamless connection to the outdoors.

    Drees Homes Builder
    10802 Pioneer Point Unit 37233550, Richmond, TX 77469
  • /16

    $405,990 New Construction

    • 4 - 5 Beds
    • 3 Baths
    • 2,526+ Sq Ft

    Poppy Plan at Austin Point, Clodine, TX 77469

    The Poppy floor plan by David Weekley Homes in Austin Point blends timeless luxury with top-quality craftsmanship to create a uniquely welcoming single-family home. Vibrant space and limitless potential make the open family and dining areas a decorator’s dream. Gather around the kitchen island to enjoy delectable treats and celebrate special achievements. An open study, covered porch and upstairs

    David Weekley Homes Builder
    10906 Endeavor Dr Unit 36830429, Clodine, TX 77469
  • /9

    $420,903 New Construction

    • 4 Beds
    • 2.5 Baths
    • 1,927 Sq Ft

    114 Shining Succulent Way, Richmond, TX 77406

    Welcome home to this charming one-story design! The 8' front door will welcome you into the open-concept layout. At the heart of the home, you will discover the family room and kitchen. The gourmet kitchen boasts a large granite island, 42-inch cabinets and stainless-steel appliances, perfect for the chef of the home. This home has 4 bedrooms and 2.5 full bathrooms. The primary bedroom is

    Jared Turner Coventry Homes

    114 Shining Succulent Way, Richmond, TX 77406
  • /24

    $436,640 New Construction

    • 4 Beds
    • 3 Baths
    • 2,413 Sq Ft

    7418 Happiness Pass, Richmond, TX 77469

    Welcome to the Reid at 7418 Happiness Pass in Ryehill 45s! Bright and inviting, this home feels spacious from the moment you step inside. Just off the foyer is a peaceful secondary bedroom and a beautifully maintained full bathroom, offering extra privacy for guests. Continue into the heart of the home where the great room opens gracefully to the dining area, kitchen with an island, and a covered

    Taylor Morrison Builder
    7418 Happiness Pass, Richmond, TX 77469
  • /32

    $429,900 Open Sat 11AM - 1PM

    • 4 Beds
    • 2.5 Baths
    • 2,241 Sq Ft

    8727 Gleaming Village Way, Richmond, TX 77406

    HOUSE LIKE NEW & SHOWS LIKE A MODEL HOME! Rare gem situated on a premium CORNER LOT with NO BACK NEIGHBORS for added privacy. Step into luxury through the impressive modern elevation and discover a spacious open-concept layout featuring a dedicated study, perfect for working from home or quiet relaxation. Abundant natural light pours into the kitchen, breakfast, and family room through large

    Vinh Ngo 5th Stream Realty

    8727 Gleaming Village Way, Richmond, TX 77406
  • /50

    $498,490 New Construction

    • 5 Beds
    • 3.5 Baths
    • 3,195 Sq Ft

    2834 Duchess Dr, Rosenberg, TX 77471

    Brand new, energy-efficient home ready July 2026! A bowed wall of windows fills the Andes’ two-story family room with light. Main level flex space makes a useful home office or living room. Upstairs, secondary bedrooms are joined by the spacious game and media rooms. Cool off at the community pool or coach the kiddos on the local sports fields. Located in the highly rated Lamar Consolidated ISD,

    Patrick Mcgrath Meritage Homes Realty

    2834 Duchess Dr, Rosenberg, TX 77471
  • /27

    $479,704 New Construction

    • 5 Beds
    • 3.5 Baths
    • 2,600 Sq Ft

    8423 Seasonal Solstice Trail, Richmond, TX 77406

    Westin Homes NEW Construction (Arcadia, Elevation AH) CURRENTLY BEING BUILT. Stunning two-story home with 5 bedrooms, 3.5 bathrooms, and a 2-car garage. Enter through elegant double front doors into a spacious layout filled with natural light. The gourmet island kitchen opens to the family room and dining room—perfect for entertaining. The first-floor primary suite offers spa-like comfort with an

    Tammy Fruge Westin Homes

    8423 Seasonal Solstice Trail, Richmond, TX 77406
  • /50

    $445,000

    • 4 Beds
    • 3.5 Baths
    • 3,271 Sq Ft

    20318 Pebble Hollow, Richmond, TX 77407

    Come and see this beautiful two-story home in the Fieldstone community, offering a spacious and functional layout perfect for everyday living and entertaining. The kitchen opens seamlessly to the family room, creating an inviting space for gatherings, while a cozy fireplace adds warmth and charm to the living area. A dedicated home office provides the ideal work-from-home setup, and the formal

    Lisa Flores Keller Williams Premier Realty

    20318 Pebble Hollow, Richmond, TX 77407
  • /17

    $463,482 New Construction

    • 6 Beds
    • 4.5 Baths
    • 3,444 Sq Ft

    2703 Dark Lantern Dr, Rosenberg, TX 77471

    First-floor Extra Suite for guests or flexible living. Formal dining room set apart for hosting. Great room, dining area & kitchen unite beneath a soaring vaulted ceiling. Kitchen with rich dark-stained cabinetry & glass-front uppers adds depth. Covered patio just off the dining area for easy outdoor access. Primary suite with ceiling treatment brings dimension. Primary bath with freestanding

    K. Hovnanian Homes Builder
    2703 Dark Lantern Dr, Rosenberg, TX 77471
  • /44

    $425,000

    • 4 Beds
    • 3.5 Baths
    • 3,172 Sq Ft

    5814 Wayne Way, Rosenberg, TX 77471

    Wake up to tranquil lake views in this beautifully designed Meritage Homes two-story nestled in the sought-after Kingdom Heights community. This elegant 4-bedroom home features a graceful curved staircase, soaring ceilings, and walls of windows flooding the space with natural light. The open-concept layout seamlessly connects the kitchen and family room, perfect for everyday living and

    Tien Thai LPT Realty, LLC

    5814 Wayne Way, Rosenberg, TX 77471
  • /49

    $438,600

    • 4 Beds
    • 3.5 Baths
    • 3,207 Sq Ft

    1911 Granite Field Ln, Richmond, TX 77469

    Beautiful home on a corner cul-de-sac lot offering privacy and great curb appeal. Features vinyl plank and tile flooring throughout main areas, with carpet upstairs. Upon entry, a private office with glass doors is on the right and a formal dining room on the left. The open-concept layout flows into a kitchen with granite countertops, gas stove, and a walk-in pantry. Main floor includes a half

    Dena Day RE/MAX Fine Properties

    1911 Granite Field Ln, Richmond, TX 77469
  • /42

    $499,999

    • 5 Beds
    • 4.5 Baths
    • 3,311 Sq Ft

    7526 Jasmine Bend Ln, Rosenberg, TX 77469

    Welcome home to this beautifully designed 5-bed, 4.5-bath residence set on an oversized lot in Walnut Creek, offering plenty of space to enjoy the outdoors. Showcasing exceptional curb appeal, this residence offers an ideal blend of elegance, comfort, functionality, & a strong sense of community. A standout feature is the private guest suite, complete with its own living area, kitchenette,

    Olayemi Onerhime Keller Williams Premier Realty

    7526 Jasmine Bend Ln, Rosenberg, TX 77469
  • /21

    $499,990 New Construction

    • 4 Beds
    • 3 Baths
    • 2,637 Sq Ft

    26811 Brilliant Brook Dr, Richmond, TX 77406

    Welcome to the Justin, a stunning two story home offering 4 bedrooms, 3 bathrooms, and 2,637 square feet of thoughtfully designed living space. This new construction home features four sides brick, a 2 car garage, and a full sprinkler system for lasting curb appeal and convenience. Inside, enjoy high ceilings with an open to below design, a private study, and a spacious living area with a cozy

    Jared Turner Coventry Homes

    26811 Brilliant Brook Dr, Richmond, TX 77406
  • /27

    $454,782 New Construction

    • 4 Beds
    • 3 Baths
    • 2,278 Sq Ft

    7231 Happiness Pass, Rosenberg, TX 77469

    Welcome to the Merlot at 7231 Happiness Pass in Ryehill 50s! The Merlot invites you in with a thoughtful blend of style, comfort and easy flexibility. The open kitchen features a generous island that overlooks the spacious great room, where three large windows fill the space with soft, natural light and offer views of the backyard. Step onto the covered patio to enjoy plenty of room for relaxed

    Taylor Morrison Builder
    7231 Happiness Pass, Rosenberg, TX 77469

Showing Results 281 - 320, Page 8 of 13

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