161

Saint Simons Island, GA Homes for Sale with No HOA Fee

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  • /27

    $1,499,000

    • 3 Beds
    • 2 Baths
    • 2,310 Sq Ft

    4318 7th St, Saint Simons Island, GA 31522

    East Beach home with privacy and charm! This three bedroom, two bath cottage with a saltwater pool is located in the East Beach neighborhood, just steps away from the beach. This home has tile and hardwoods floors, gas fireplace, outdoor shower, parking, and located just a short distance to restaurants, shops, and the beach! Currently in the vacation rental market. Please call to schedule a

    Mary Ellen Davis Keller Williams Realty Golden Isles

    4318 7th St, Saint Simons Island, GA 31522
  • /7

    $198,000

    • Land
    • 0.09 Acre
    • $2,200,000 per Acre

    287 Cedar St, Saint Simons Island, GA 31522

    Here's a beautiful, buildable home site for you in the desirable Glynn Haven neighborhood on St Simons Island. No flood insurance required in zone X and no HOA. Hurry and see this pretty home sight and plan your vision!

    Nancy Usher BHHS Hodnett Cooper Real Estate BWK

    287 Cedar St, Saint Simons Island, GA 31522
  • /38

    $820,550

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

    240 Peachtree St, Saint Simons Island, GA 31522

    Need a mother in law suite? Want to live and have income property in the same house? This will work for either. Near everything on the south end. Easy to get to East Beach and the Coast Guard Station or to the Village area and the Pier. Wall has been removed to open the kitchen, Dining room and Living room up to make an open bright airy space. Upstairs you have 3 large bedrooms and 2 bathrooms.

    Sharon Foster N R Foster Properties, Inc.

    240 Peachtree St, Saint Simons Island, GA 31522
  • /10

    $325,000

    • 1 Bed
    • 1 Bath
    • 750 Sq Ft

    850 Mallery St Unit 6A, Saint Simons Island, GA 31522

    Very comfortable one bedroom one bath condominium. Nice landscaped view from covered balcony, great for morning coffee or an evening cocktail. Very easy walk from Ocean Walk Community to the village area of St. Simons. One of the favorite floor plans within Ocean Walk, so easy to maintain and large enough to feel you have plenty of living space for one or two persons. Easy to show, so give us a

    Theresa Taylor American Dream SSI, Inc.

    850 Mallery St Unit 6A, Saint Simons Island, GA 31522
  • /41

    $765,900

    • 3 Beds
    • 2 Baths
    • 1,786 Sq Ft

    105 Gascoigne Ave Unit 302, St. Simons Island, GA 31522

    This beautifully furnished 3-bedroom, 2-bath luxury villa is located in a highly desirable gated community, offering both comfort and privacy. Situated on the top floor, this home features an open floor plan with hardwood floors and plantation shutters throughout, providing a stylish and inviting atmosphere. The spacious primary bedroom boasts an ensuite bathroom with dual vanities and a large,

    LeAnn Duckworth Duckworth Properties BWK

    105 Gascoigne Ave Unit 302, St. Simons Island, GA 31522
  • /61

    $1,575,000

    • 4 Beds
    • 4.5 Baths
    • 4,150 Sq Ft

    210 Settlers Rd, Saint Simons Island, GA 31522

    Set in one of St. Simons Island's most desirable neighborhoods, this 4,150 square-foot home blends timeless architecture with extraordinary custom details. From the imported European entry doors into the marble foyer and sweeping, two-story, curved staircase, every element reflects craftsmanship and care. The excellent floor plan features an open-concept kitchen/family room, as well as a lovely

    Ann Harrell DeLoach Sotheby's International Realty

    210 Settlers Rd, Saint Simons Island, GA 31522
  • /32

    $510,000

    • 3 Beds
    • 2.5 Baths
    • 1,800 Sq Ft

    819 Kings Grant, Saint Simons Island, GA 31522

    Golf Course Living at Its Finest!Nestled beneath a canopy of majestic live oaks, this charming coastal home is perfectly positioned on the King & Prince Golf Course in the desirable Hampton Plantation community. Offering 3 bedrooms, 2.5 baths, at just under 2,000 sq. ft. of living space, this residence blends timeless Southern style with comfort and functionality.Step inside to

    Holly Ponsell Keller Williams GA Communities

    819 Kings Grant, Saint Simons Island, GA 31522
  • /27

    $625,000

    • 3 Beds
    • 3 Baths
    • 1,845 Sq Ft

    103 Kingsmarsh Way, Saint Simons Island, GA 31522

    Welcome to 103 Kings Marsh Villa, a beautifully updated 3-bedroom, 3-bath condo ideally located in the heart of St. Simons Island. This spacious, single-level flat offers serene marsh views, covered parking, and access to a community pool-all within walking distance to popular restaurants and shopping. The open floor plan features a generous kitchen with bar seating that flows seamlessly into the

    Mackay Cate Maritime Realty Group

    103 Kingsmarsh Way, Saint Simons Island, GA 31522
  • /60

    $2,995,000

    • 4 Beds
    • 6 Baths
    • 3,311 Sq Ft

    1017 Ocean View Ave, Saint Simons Island, GA 31522

    Stunning New Construction Beach Cottage Just Steps from the Sand!Discover the essence of luxurious beach living in this remarkable custom-built home, located only six houses from the beach. This exquisite 4-bedroom, 4 full bath, and 2 half bath residence features primary suites on both the first and second floors, two spacious living rooms, gourmet Kitchen, heated swimming pool with

    Micki Carter DeLoach Sotheby's International Realty

    1017 Ocean View Ave, Saint Simons Island, GA 31522
  • /82

    $3,995,000

    • 5 Beds
    • 5.5 Baths
    • 5,700 Sq Ft

    1709 Dixon Ln, Saint Simons Island, GA 31522

    Enchanted Hideaway is a luxurious retreat that offers an exquisite blend of comfort and elegance, featuring a heated pool and ample space for gathering or seeking solitude. Nestled in the charming East Beach neighborhood and overlooking lush green space and the Atlantic Ocean, this magnificent home is more than just a beach house; it embodies the quality and craftsmanship expected in a forever

    Micki Carter DeLoach Sotheby's International Realty

    1709 Dixon Ln, Saint Simons Island, GA 31522
  • /38

    $980,000

    • 4 Beds
    • 4.5 Baths
    • 2,685 Sq Ft

    150 Rice Mill, St. Simons Island, GA 31522

    Step into timeless charm blended with modern conveniences in this beautiful home, located within the gated golf community of Hampton Plantation. Designed for comfort and privacy, each bedroom offers its own ensuite bath, complemented by a thoughtful split floor plan that allows for easy one-level living. Elegant mahogany trim runs throughout the home, adding warmth and sophistication. A

    Jacquie Wheeler BHHS Hodnett Cooper Real Estate

    150 Rice Mill, St. Simons Island, GA 31522
  • /17

    $425,000

    • 2 Beds
    • 2 Baths
    • 1,184 Sq Ft

    491 Cedar Walk, Saint Simons Island, GA 31522

    Unique island living! Designed to capture fabulous marsh views. Pedestal design gives storage and utility space on ground floor. Living area has 2 bedrooms 2 baths, eat-in kitchen, living-room with fireplace and 2 decks. Upstairs loft can be 3rd bedroom or office with its own deck to catch the breezes. This is offered completely furnished. Walking distance to Sea Palms Golf Club and resort. This

    Stephen Grimes Saint Simons Real Estate and P

    491 Cedar Walk, Saint Simons Island, GA 31522
  • /20

    $499,000

    • 4 Beds
    • 3 Baths
    • 1,728 Sq Ft

    239 Georgia St, Saint Simons Island, GA 31522

    LOCATION! Close to everything - Walk or bike ride to Redfern Village with many shopping opportunities and restaurants nearby. The main part of the home is 1160 sq. ft. and has 3 bedrooms or 2 bedrooms with an office or flex room and 2 baths. 567 sq.ft. downstairs including a kitchen, bedroom and bath with a separate entrance perfect for a mother in law apartment or short/long term rental. Two car

    Chandra Capps Kendall DeLoach Sotheby's Intl. Realty

    239 Georgia St, Saint Simons Island, GA 31522
  • /24

    $339,500

    • 2 Beds
    • 1.5 Baths
    • 1,126 Sq Ft

    1000 Mallery Street Extension Unit B5, Brunswick, GA 31522

    Mallery Villas B5 located on the South end of St Simons Island, great location to access restaurants, shopping, and the beach. This unit features a powder room, dining area, kitchen and living room on the main level as well as a screened in rear porch, upstairs you will find 2 bedrooms and a bathroom along with laundry.

    Mackay Cate Maritime Realty Group LLC

    1000 Mallery Street Extension Unit B5, Brunswick, GA 31522
  • /41

    $589,000 Open Thu 12PM - 2PM

    • 5 Beds
    • 3.5 Baths
    • 1,877 Sq Ft

    511 Atlantic Dr, Saint Simons Island, GA 31522

    Welcome to 511 Atlantic Drive on beautiful St. Simons Island — a spacious, light-filled home offering comfort, flexibility, and room to grow. The main level features inviting living spaces, a bright and functional kitchen, and comfortable bedrooms, all accented by warm natural light. The fully finished basement expands your living options with new flooring throughout, two additional bedrooms

    Carla Emmons Emmons Realty Sales Corp

    511 Atlantic Dr, Saint Simons Island, GA 31522
  • /15

    $349,900

    • Land
    • 1.27 Acres
    • $275,512 per Acre

    117 Jones Creek Dr, Saint Simons Island, GA 31522

    Welcome to 117 Jones Creek Drive — a rare opportunity to own a 1.27-acre cul-de-sac homesite in the exclusive, gated community of Jones Creek. This spacious and serene lot offers the perfect canvas for your dream home, surrounded by nature, privacy, and the beauty of the Georgia coast. Nestled deep within the neighborhood, the property backs up to a tranquil wetland woodland area, a haven for

    LeAnn Duckworth Duckworth Properties BWK

    117 Jones Creek Dr, Saint Simons Island, GA 31522
  • /27

    $915,000

    • 4 Beds
    • 3 Baths
    • 2,689 Sq Ft

    123 Plemmons Dr, Saint Simons Island, GA 31522

    Custom Contemporary Retreat with Guest Cottage & Marsh Views – No HOANestled on approximately 1.2 wooded acres on Saint Simons Island, this custom-built contemporary home offers a rare blend of privacy, modern comfort, and marsh views. The main residence spans just over 2,000 square feet with 3 bedrooms and 2 bathrooms. The first floor features a welcoming living room, dining area, kitchen,

    Michael Giery BHHS Hodnett Cooper Real Estate

    123 Plemmons Dr, Saint Simons Island, GA 31522
  • /37

    $979,900

    • 2 Beds
    • 2 Baths
    • 987 Sq Ft

    1104 Sherman Ave, Saint Simons Island, GA 31522

    Welcome to your coastal retreat! This beautifully renovated 2 bedroom, 2 bath beach cottage on desirable St. Simons Island blends charm, style, and functionality — all within walking distance to the beach! From the moment you arrive, the inviting front porch sets the tone for relaxed island living. Step inside and you're greeted by an abundance of natural light that fills the open-concept living

    Jordan DuPont Compass360 Realty, Inc.

    1104 Sherman Ave, Saint Simons Island, GA 31522
  • /39

    $699,900

    • 3 Beds
    • 4 Baths
    • 2,268 Sq Ft

    111 N Harrington Rd, Saint Simons Island, GA 31522

    A great find on St. Simons Island, this craftsman style home features two primary suites with an additional bedroom with en-suite bath, all located in an area where flood insurance isn't required! Both primary suites are upstairs, at opposite ends of the home. Both feature walk-in closets and dual vanity sinks. One bathroom has a jetted tub and stand alone shower, while the other has a tiled

    Brad Davis Keller Williams Realty Golden Isles

    111 N Harrington Rd, Saint Simons Island, GA 31522
  • /2

    $19,900

    • Land
    • 1 Acre
    • $19,900 per Acre

    Lot 9 Moss Landing, Jesup, GA 31545

    Seize this incredible opportunity to own a slice of Southern charm! This sale includes an expansive 1-acre residential lot, situated within the gated community of Moss Landing. Bring your dream home to life in this picturesque setting with utilities readily available, including power, water, and internet. The lot offers sublime woody areas along with mesmerizing Altamaha River views. Buildable on

    Kaitlynn Thayer Next Move Real Estate

    Lot 9 Moss Landing, Jesup, GA 31545
  • /30

    $829,000

    • 3 Beds
    • 2 Baths
    • 2,160 Sq Ft

    213 Magnolia Ave, Saint Simons Island, GA 31522

    Professional photography will be available on August 6th. This is a really cute cottage-style/bungalow-style home nicely located in the village area. The home is nicely landscaped throughout the yards, including fresh stones in the driveway areas, and has recently been pressure-washed all over. The back deck is nice and private for entertainment. You enter the home to a nice, large living room

    Len Hoshall BHHS Hodnett Cooper Real Estate

    213 Magnolia Ave, Saint Simons Island, GA 31522
  • /22

    $849,000

    • 4 Beds
    • 3 Baths
    • 2,357 Sq Ft

    123 Shadow Wood Bend, Saint Simons Island, GA 31522

    In ground pool, new HVACS, spacious bonus room that could be used as a pool room and features private entrance, closet and its own mini split HVAC, and guest bath, with endless possibilities including guest suite or in-law suite. The open great room features French doors opening to the deck overlooking the pool and private yard. Large, upgraded bathrooms. Rocking chair front porch, and best of

    Sheryl Skarpalezos-Vining Real Estate of Glynn

    123 Shadow Wood Bend, Saint Simons Island, GA 31522
  • /85

    $2,685,000

    • 4 Beds
    • 4.5 Baths
    • 3,553 Sq Ft

    125 Tiffany Ln, Saint Simons Island, GA 31522

    Beautifully remodeled coastal retreat is the perfect blend of luxury, comfort, and income potential. Ideally located within a short stroll to the beach and Pier Village, this home is designed for entertaining, relaxing, and creating lasting memories.Offering exceptional flexibility, the property features 2 spacious primary suites—each with a private bath, walk-in shower, private porch, and

    Rebecca Strother Duckworth Properties BWK

    125 Tiffany Ln, Saint Simons Island, GA 31522
  • /40

    $1,150,000

    • 3 Beds
    • 3 Baths
    • 1,689 Sq Ft

    1035 Beachview Dr Unit 19, Saint Simons Island, GA 31522

    Breathtaking Atlantic views!! from Saint Simons Island's sandy shores. Stunning ocean views from all three levels of this renovated home. Walk right in - no steps. Kitchen upgrades include; granite countertops, farmer sink, island with sink and free standing ice maker, pantry, newer stainless steel appliances, penny round silver stainless steel backsplash, newer cabinetry, and a separate bar

    Melissa Green Keller Williams Golden Isles

    1035 Beachview Dr Unit 19, Saint Simons Island, GA 31522
  • /58

    $1,895,000

    • 4 Beds
    • 6.5 Baths
    • 4,109 Sq Ft

    305 Yacht Club Ln, Saint Simons Island, GA 31522

    Boating, fishing, kayaking, or golfing... you can pick! Location, location, location! Custom built home, offering 4109 sf. Hand scraped Russian White Oak floors throughout. Primary bedroom on main with his and hers baths and large walk-in closets. 3 bedrooms upstairs, each with en-suite bathrooms and walk in closets. Spacious bonus room with full bathroom & queen bed over the large 3-car garage.

    Pat Hodnett Cooper BHHS Hodnett Cooper Real Estate

    305 Yacht Club Ln, Saint Simons Island, GA 31522
  • /41

    $799,000

    • 4 Beds
    • 3.5 Baths
    • 3,026 Sq Ft

    104 Montrose, Saint Simons Island, GA 31522

    Discover the appeal of island living at 104 Montrose, a beautifully updated retreat in the heart of Hampton Plantation where comfort meets coastal charm on St. Simons Island’s scenic north end. This spacious residence offers over 3,000 square feet of thoughtfully updated living space, including newly installed luxury vinyl plank flooring on the main level, fresh interior paint throughout, and

    Kelly Ross BHHS Hodnett Cooper Real Estate

    104 Montrose, Saint Simons Island, GA 31522
  • /26

    $468,900

    • 3 Beds
    • 2 Baths
    • 1,274 Sq Ft

    203 3rd Ave, Saint Simons Island, GA 31522

    Welcome to your coastal getaway on beautiful St. Simons Island! This single-level, 3-bedroom, 2-bath home blends timeless charm with everyday functionality — nestled just minutes from the beach, dining, shopping, and top-rated schools.Built in 1960 and thoughtfully updated, this furnished, move-in ready home sits on a manicured lot in a quiet, walkable neighborhood. Whether you’re looking

    Heather Folsom Coastal Realty Solutions

    203 3rd Ave, Saint Simons Island, GA 31522
  • /16

    $595,000

    • 2 Beds
    • 2 Baths

    123 Redfern Dr, Saint Simons Island, GA 31522

    Large lot, small little creek in back New roof, water heater, garbage disposal a.c., poured concrete for parking, covered porches, beautifully landscaped, yard well put down, Much more

    Sheryl Skarpalezos-Vining Real Estate of Glynn

    123 Redfern Dr, Saint Simons Island, GA 31522
  • /57

    $1,499,000

    • 3 Beds
    • 3.5 Baths
    • 2,391 Sq Ft

    10 Fern Ln, St. Simons, GA 31522

    Welcome to Island Escape! At Fern, one will find boho chic meeting coastal modern in this stunning south-end island residence. Located minutes to the beach in one of St. Simons’ most loved neighborhoods full of live oaks and draping moss! Built in 2016 and situated on almost 1⁄2 acre, the design is not only smart with new 15 Seer Hvac, but throughout you will find everything to be natural,

    Hannah Melton Duckworth Properties BWK

    10 Fern Ln, St. Simons, GA 31522
  • /27

    $415,000

    • 1 Bed
    • 1 Bath
    • 595 Sq Ft

    400 Ocean Blvd Unit 2100, Saint Simons Island, GA 31522

    This 1-bedroom condo is a golden opportunity right in the heart of St. Simons' Pier Village! Whether you're looking for your own beachy getaway, a full-time island condo, or a solid vacation rental, this place checks all the boxes. Just a flip-flop stroll to the beach, pier, parks, shops, and local eats no car needed! Fully furnished and ready to go, this charming unit comes with a roomy kitchen,

    Rebecca Strother Duckworth Properties

    400 Ocean Blvd Unit 2100, Saint Simons Island, GA 31522
  • /32

    $949,000

    • 5 Beds
    • 2 Baths
    • 2,477 Sq Ft

    105 Thompson Cove, Saint Simons Island, GA 31522

    Looking for a well-built, well maintained Southend home close to the beach in a quiet neighborhood with no HOA dues? This raised ranch home offers 3 bedroom/2 baths, plus extra living area on the ground level, to include 2 bedrooms and an oversized flex room. Vaulted ceilings, hardwood floors, a fireplace, and built-in shelving create a comfortable homey feel. The spacious bright great room opens

    Betty Ellis Betty Ellis Realtors

    105 Thompson Cove, Saint Simons Island, GA 31522
  • /40

    $2,450,000

    • 5 Beds
    • 6 Baths
    • 3,588 Sq Ft

    2022 Bruce Cir, Saint Simons Island, GA 31522

    HUGE PRICE IMPROVEMENT! PREMIER LOCATION! ULTIMATE CHARM! Showcased on 1 2/3 beautifully landscaped lots, this enchanting "storybook" home, loved for generations, is tucked away on quiet and secluded Bruce Circle in the heart of one of the most desirable locations on St. Simons. Two beach access points give you a leisurely stroll through maritime forest and picturesque sand dunes to breathtaking

    Annie Harper Don Wright & Associates

    2022 Bruce Cir, Saint Simons Island, GA 31522
  • /78

    $1,395,000

    • 5 Beds
    • 5 Baths
    • 4,600 Sq Ft

    106 Draughons Dr, Saint Simons Island, GA 31522

    Historic Charm Meets High-End Renovation—Every Inch Has Been Restored with Modern Finishes. Nestled on 1.95 acres of oak-shaded tranquility, it’s a perfect blend of historic grace and modern comfort, offering peaceful seclusion while keeping all the sought after destinations of St. Simons Island within easy reach. The main house welcomes you with 4 bedrooms and 4 full baths, lovingly restored to

    Rebecca Strother Duckworth Properties BWK

    106 Draughons Dr, Saint Simons Island, GA 31522
  • /40

    $1,699,000

    • 4 Beds
    • 4.5 Baths

    107 Yacht Club Dr, St. Simons, GA 31522

    Coastal Living at Its Finest - A Boater's Dream! Welcome to 107 Yacht Club Drive, located in the exclusive, gated Yacht Club community. This stunning 4-bedroom, 4.5-bathroom home offers 3,705 square feet of beautifully designed living space, featuring engineered hardwood flooring throughout. The primary suite is located on the main level and boasts a spacious walk-in closet and a luxurious

    Courtney Been Duckworth Properties

    107 Yacht Club Dr, St. Simons, GA 31522
  • /34

    $476,000

    • 4 Beds
    • 2 Baths
    • 1,489 Sq Ft

    315 Pine St, Saint Simons Island, GA 31522

    Beautiful completely remodeled 4-bedroom, 2-bath home on an oversized 10,000+ sq ft lot. Move-in ready with all new fixtures, appliances, and modern finishes throughout. The spacious kitchen offers abundant cabinets and storage, and the primary suite features a walk-in closet and updated modern bath. Enjoy outdoor living with an inviting front porch and a side porch that’s an open deck with new

    Jeff Dennard Dennard Realty

    315 Pine St, Saint Simons Island, GA 31522
  • /8

    $529,900

    • Land
    • 0.5 Acre
    • $1,059,800 per Acre

    24 Orchard Rd, St. Simons Island, GA 31522

    Build your dream home on this ready to build, marsh front lot, perfectly situated in a prime location. This half acre property offers stunning natural views and the peaceful ambiance of coastal living, all while being just minutes from restaurants, shopping, and the beach. Whether you're envisioning a private retreat or a vibrant home, this spacious lot provides the ideal setting. Don’t miss the

    Adam Davis Duckworth Properties BWK

    24 Orchard Rd, St. Simons Island, GA 31522
  • /10

    $799,000

    • 4 Beds
    • 2.5 Baths
    • 2,110 Sq Ft

    516 Postell Dr, Saint Simons Island, GA 31522

    Desirable mid-south island location on a winding tree-lined street for shady walks. Only minutes to shopping, restaurants and the beach, plus easy island on/off access! NO HOA, recent updates, situated on a large lot with mature landscaping and a storage/gardening shed. This charming, spacious brick Cape Cod style home features 2 main level bedrooms and 2 upstairs bedrooms with 2.5 baths.

    Steven Koleno Beycome Brokerage Realty LLC

    516 Postell Dr, Saint Simons Island, GA 31522
  • /22

    $250,000

    • 2 Beds
    • 1.5 Baths
    • 1,072 Sq Ft

    1000 Sea Island Rd Unit 15, Saint Simons Island, GA 31522

    This condo presents the opportunity to embrace island living at its finest! Offering 2 bedrooms and 1.5 bathrooms, this condo is nestled in a corner of St Simons Island, GA, providing a comfortable and private retreat. Step outside to your private patio, perfect for enjoying morning coffee or evening sunsets in peace. The community features a pool accessible to both residents and guests. St.

    Kati Ann Wright Realty One Group Inclusion

    1000 Sea Island Rd Unit 15, Saint Simons Island, GA 31522
  • /67

    $1,750,000

    • Land
    • 13.06 Acres
    • $133,997 per Acre

    22 Carriage Dr, Saint Simons Island, GA 31522

    This is part of a two-lot parcel to be sold together, totalling 21.57 Acres. Lot 17 and Lot 18.This is a one-of-a-kind and very rare property facing Cannon's Point Preserve with a 4 year development vision with access to Jones Creek. This lot Faces 120 degrees S/SE Water Oaks, pine trees, and scrub have been removed, roots removed and land graded. See Description of 24 Carriage Drive. Butler

    Susan Imhoff DeLoach Sotheby's International Realty

    22 Carriage Dr, Saint Simons Island, GA 31522
  • /41

    $925,000

    • 3 Beds
    • 2.5 Baths
    • 2,806 Sq Ft

    704 Dungeness, Saint Simons Island, GA 31522

    No need to keep searching...... this home has all you need for relaxed island living. Tucked away under gorgeous, lush live oak trees and sitting among the gorgeous King and Prince Golf Course. Open living spaces welcome you into this incredibly well maintained home. Primary suite boasts beautiful, natural light, with private access to large screened porch. Most appliances are less than 3

    Valerie Sandow Coldwell Banker Access Realty SSI

    704 Dungeness, Saint Simons Island, GA 31522

Showing Results 81 - 120, Page 3 of 5

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