893

Homes for Sale near Gateway High School

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  • /65

    $1,498,888

    • 7 Beds
    • 5 Baths
    • 3,500 Sq Ft

    1615 Oakdale Ave, San Francisco, CA 94124

    Prime Three-Unit Multifamily Investment Opportunity with Solar Savings Discover this exceptional three-unit multifamily property, a fantastic investment opportunity with strong rental income and long-term tenants. The building features two spacious 3-bedroom, 2-bath units, each approximately 1,500 sq. ft., beautifully remodeled and well-maintained. The third unit is a charming 1-bedroom, 1-bath

    Paymon Ghafouri Paymon Real Estate Group

    1615 Oakdale Ave, San Francisco, CA 94124
  • /42

    $1,250,000 Open Sat 2PM - 4PM

    • 2 Beds
    • 1 Bath
    • 1,270 Sq Ft

    2299 Sacramento St Unit 18, San Francisco, CA 94115

    Top-floor light and classic Pacific Heights character come together in this updated two-bedroom residence at 2299 Sacramento. Set in an elevator building in the heart of Pacific Heights, the home enjoys a quiet, elevated position above the street with abundant natural light throughout the day. Large windows, high ceilings, and well-scaled rooms create a sense of volume that's increasingly hard to

    Gary Snow Vantage Realty

    2299 Sacramento St Unit 18, San Francisco, CA 94115
  • /32

    $1,800,000

    • 4 Beds
    • 2,800 Sq Ft

    2906 Folsom St, San Francisco, CA 94110

    3 Unit Building, full Floor flat $3,800, 2 Bedroom 1 Bath $1,026, Studio Estimate $2,150, 6 Separate Garages, Garage Estimate $400 each - $2,400/monthly Approved Plans for Large House (3,500 +- sqft) With ADU Unit.

    Victor Makras Makras Real Estate

    2906 Folsom St, San Francisco, CA 94110
  • /30

    $649,900 Open Sun 2PM - 4PM

    • 1 Bed
    • 1 Bath
    • 640 Sq Ft

    1545 Pine St Unit 610, San Francisco, CA 94109

    Just reduced, and wont last long! Sleek and modern luxury one bedroom, one bath with City views now available at the Austin! Perched on the sixth floor, the light-filled space provides a peaceful urban sanctuary perfectly situated to balance modern city living with private retreat. Expansive floor to ceiling windows with custom motorized blinds flood the space with natural light and provide city

    Jonathan Ng Compass

    1545 Pine St Unit 610, San Francisco, CA 94109
  • /52

    $5,300,000

    • 2 Beds
    • 2 Baths
    • 1,795 Sq Ft

    999 Green St Unit 2605, San Francisco, CA 94133

    Located in the northeast corner at The Summit, 999 Green Street #2603 and #2605 is a rare combined floor plan offering two bedrooms with en suite baths plus an office and unobstructed, breathtaking panoramic San Francisco views. Floor-to-ceiling windows showcase views of San Francisco's iconic landmarks and beyond -- the Golden Gate Bridge, Alcatraz Island, Coit Tower, the Transamerica Pyramid,

    Peter Monti Compass

    999 Green St Unit 2605, San Francisco, CA 94133
  • /19

    $199,000

    • Land
    • 0.11 Acre
    • $1,734,961 per Acre

    0 Hollister Ave, San Francisco, CA 94124

    COME BE A PART OF SAN FRANCISCO'S POST-COVID REJUVENATION at the Candlestick Point State Recreation Center!This is a ground-breaking opportunity for entrepreneurs who seek to increase public attraction to bay-area shorelines with environment-friendly, family oriented water activities and aquatic exploration for child-learning (etc). During economic downturns in major cities, contrarian

    Steve Jackson Keller Williams Victor Valley

    0 Hollister Ave, San Francisco, CA 94124
  • /19

    $899,000 Open Sat 2PM - 4PM

    • 2 Beds
    • 1 Bath
    • 881 Sq Ft

    936 Brussels St, San Francisco, CA 94134

    Enjoy sweeping city views from this inviting 2 bedroom, 1 bath home offering a blend of comfort, character, and potential. The interior features wall-to-wall carpeting, tile flooring, skylights that bring in abundant natural light, crown molding, and a cozy fireplace that anchors the living space. The backyard includes a spacious deck that opens to a beautiful yard, perfect for relaxing or

    Dan Julius Baradi Fifty Hills Real Estate

    936 Brussels St, San Francisco, CA 94134
  • /59

    $620,000 Open Sun 2PM - 4PM

    • 3 Beds
    • 2 Baths
    • 1,050 Sq Ft

    25 Galilee Ln Unit 5, San Francisco, CA 94115

    30K in updates made for the sale add to this rare value in SF offering south-facing ideal top-floor indoor/outdoor living with three bedrooms, two bathrooms, private outdoor space, parking included, located in between Hayes Valley and Fillmore, one-block to Japantown and owned and lived in only by original owner. The large open-concept living and dining room includes brand new recessed lighting

    Jamie Ennis City Real Estate

    25 Galilee Ln Unit 5, San Francisco, CA 94115
  • /73

    $9,100,000 Open Sat 12PM - 3PM

    • 3 Beds
    • 3 Baths
    • 2,974 Sq Ft

    1 Steuart Ln Unit 801, San Francisco, CA 94105

    This once-in-a-generation opportunity offers a waterfront corner home with 3-bedrooms, 3-bathrooms, and ~59 square feet of outdoor space. and views of the iconic Bay Bridge, Rincon Park, Treasure Island, and beautiful bay waters to pier 14. Residence 801 features an expansive great room for entertaining, and a full gourmet kitchen including Gaggenau appliances, an oversized glorious white marble

    Edie Narrido Polaris Pacific

    1 Steuart Ln Unit 801, San Francisco, CA 94105
  • /19

    $385,168 New Construction

    • 2 Beds
    • 1 Bath
    • 826 Sq Ft

    285 Main St Unit 312, San Francisco, CA 94105

    Below Market Rate (BMR) housing opportunity available at MIRA through the Mayor's Office of Housing and Community Development (MOHCD) & subject to resale controls, monitoring and other restrictions. This home is a new home and has never been occupied. Explore a new angle on life at MIRA, luxury condominium homes developed by the team at Tishman Speyer and designed by award-winning architecture

    Garrett Frakes Polaris Pacific

    285 Main St Unit 312, San Francisco, CA 94105
  • /37

    $579,000 Open Sat 2PM - 4PM

    • 1 Bed
    • 1 Bath
    • 616 Sq Ft

    1001 Pine St Unit 404, San Francisco, CA 94109

    Welcome to Unit 404 at 1001 Pine Street, a charming corner unit that's bathed in natural light from every angle. This non-street-facing gem ensures a tranquil living experience, shielding you from the urban hustle while keeping you in the heart of it all. You'll love the lifestyle perks that come with this property. Enjoy the ease of your own secured parking space, unwind with a good book in the

    Ricky Fong Compass

    1001 Pine St Unit 404, San Francisco, CA 94109
  • /72

    $4,950,000 Open Sat 2PM - 4PM

    • 3 Beds
    • 3 Baths
    • 2,159 Sq Ft

    488 Folsom St Unit 4701, San Francisco, CA 94105

    Luxury living at The Avery! An extremely rare offering, Residence 4701 is the largest 3 bedroom floor plan, perched on floor 47 boasts breathtaking bay bridge views from every room. The open gourmet kitchen with breakfast bar flows seamlessly into the great room, creating an ideal space for entertaining. The master suite features a walk-in closet, linear closet, two linen closets, and a

    Shalini Sadda City Real Estate

    488 Folsom St Unit 4701, San Francisco, CA 94105
  • /3

    $2,095,000

    • 9 Beds
    • 4,116 Sq Ft

    1275 Buchanan St, San Francisco, CA 94115

    7-Unit Apartment Building Built in 1963, 1275 Buchanan Street is comprised of six 1-bedroom/1-bath units and one 3-bedroom/2-bath unit, with eight individual garage spaces and one outside fenced space. Each unit is separately metered for electric and natural gas, and tenants pay for their own heat via individual gas wall heaters. All of the units boast hardwood floors, granite countertops, and

    Andrew Smith Compass Commercial

    1275 Buchanan St, San Francisco, CA 94115
  • /31

    $1,895,000 Open Sun 2PM - 4PM

    • 3 Beds
    • 2 Baths
    • 1,569 Sq Ft

    1628 Grove St, San Francisco, CA 94117

    Recently updated and lovingly cared for top-to-bottom, this stunning 3-bedroom plus office/flex room, 2-bath NOPA condo is truly move-in ready. A wonderfully unique floor plan offers three generous bedrooms alongside an adjoining flex room, perfect as a home office, nursery, or gym. Two full baths shine: one with a luxurious walk-in shower, the other with a brand new soaking tub. The kitchen and

    Mollie Poe Compass

    1628 Grove St, San Francisco, CA 94117
  • /28

    $395,000 Open Sun 12PM - 2PM

    • 1 Bath
    • 442 Sq Ft

    601 Van Ness Ave Unit 348, San Francisco, CA 94102

    Smart and Stylish condo with private balcony at Opera Plaza. South facing sunny exposure. Beautiful wood flooring. Practical and spacious floor plan with built-in Murphy bad wall system. Opera Plaza is a well managed complex with numerous amenities including 24 hour private security staff, on site management, heated pool and spa, concierge, fitness center, racquet courts and more! On-site

    Daniel Langford Corcoran Icon Properties

    601 Van Ness Ave Unit 348, San Francisco, CA 94102
  • /28

    $649,000 Open Sat 10AM - 12PM

    • 1 Bed
    • 1 Bath
    • 634 Sq Ft

    986 S Van Ness Ave Unit 303, San Francisco, CA 94110

    Nestled in the vibrant heart of the Mission & Valencia Corridor, this newly constructed boutique building is a finely tuned balance of function and form, with breathtaking views in every direction. Unit 303 is a custom-finished interior with under-mount lighting, sleek stainless-steel appliances and exquisite quartz countertops with posh backsplash accents. Refined bathrooms offer custom vanities

    Erik Altman Boulevard Real Estate

    986 S Van Ness Ave Unit 303, San Francisco, CA 94110
  • /52

    $1,495,000 Open Sat 11AM - 1PM

    • 3 Beds
    • 3 Baths
    • 1,475 Sq Ft

    350 Broderick St Unit 320, San Francisco, CA 94117

    Rarely available top-floor, two-level townhome-style residence in the highly sought-after Broderick Place community in NOPA. One of the largest floor plans in the building, this light-filled home offers 3 bedrooms, 3 full bathrooms (including 2 en-suite bathrooms), an expansive private deck, modern wide-plank Oak flooring throughout, and a well-designed layout across two levels. The main level

    Saba Shoaeioskouei Compass

    350 Broderick St Unit 320, San Francisco, CA 94117
  • /53

    $1,980,000

    • 8 Beds
    • 8 Baths
    • 3,038 Sq Ft

    559-561 Minna St, San Francisco, CA 94103

    Well-maintained 4-unit building on a quiet SOMA street with strong income and value-add potential. All units are spacious 2-bedroom, 2-full-bathroom layouts with high ceilings, original hardwood floors, and bay windows that capture classic San Francisco charm. Three units delivered vacant for maximum flexibility occupy, renovate, or lease at market rents from day one. One unit is occupied by a

    Daniel Risman Jones Ascend Real Estate

    559-561 Minna St, San Francisco, CA 94103
  • /53

    $1,295,000 Open Sat 1PM - 3PM

    • 2 Beds
    • 2.5 Baths
    • 1,364 Sq Ft

    4052 18th St, San Francisco, CA 94114

    Set within a picturesque Fernando Nelson Victorian, 4052 18th St presents a thoughtfully designed living space that blends classic charm with modern updates. The extensively renovated (2024) unit features an inviting floor plan that highlights timeless architectural details and understated elegance. Beautiful wood floors, radiant heating, high ceilings, and abundant natural light define the

    Andres Restrepo Compass

    4052 18th St, San Francisco, CA 94114
  • /28

    $1,195,000 Open Sun 2PM - 4PM

    • 2 Beds
    • 1.5 Baths
    • 1,213 Sq Ft

    127 Springfield Dr, San Francisco, CA 94132

    Absolutely charming, bright, cheerful and pristine Lake Shore home with many original, in-tact details and vast potential. This remarkable home has been well-preserved over the years. Parque hardwood floors set the foundation for an intuitive floorplan, offering features that remain relevant and desired today. The large front spaces include a gracious formal living room with coved decorative

    Andrew Roth Corcoran Icon Properties

    127 Springfield Dr, San Francisco, CA 94132
  • /56

    $2,995,000

    • 5 Beds
    • 4 Baths
    • 2,460 Sq Ft

    31-33 Prescott Ct, San Francisco, CA 94133

    Iconic Telegraph Hill location and steps to the heart of North Beach, Jackson Square + the San Francisco waterfront, own this modern renovated duplex that is quintessential San Francisco on Prescott Court, a charming alley street in the middle of it all. The upper unit has 2 BRs, 2 BAs & roof deck with incredible views of downtown. The vacant lower unit, has 3 BRs, 2 BAs on 2 levels & 1 car

    Monica Pauli Compass

    31-33 Prescott Ct, San Francisco, CA 94133
  • /16

    $629,000

    • 1 Bed
    • 1 Bath
    • 679 Sq Ft

    301 Mission St Unit 9D, San Francisco, CA 94105

    Property is open for rent. Luxury 1 BR/ 1BA condo at Millennium Tower, one of the most luxurious condominium building in San Francisco. Features floor to ceiling windows on the living room, stainless steel appliances in the kitchen. Luxury amenities: 20,000 sq ft Club Level with lounge, private dining room, children's playroom, and outdoor terrace. The 5,000 sq ft fitness center features: indoor

    Sunnie Li SALA Homes Realty & Development

    301 Mission St Unit 9D, San Francisco, CA 94105
  • /34

    $828,000 Open Sun 2PM - 4PM

    • 1 Bed
    • 1 Bath
    • 851 Sq Ft

    300 Berry St Unit 604, San Francisco, CA 94158

    This beautifully appointed 1-bedroom plus den, 1-bath residence features one of the most spacious one-bedroom floor plans at Arterra. Hardwood flooring runs throughout the home, complemented by a serene west-facing exposure overlooking the landscaped courtyard, providing peaceful natural light. The versatile den offers flexibility as a home office, guest space, or formal dining area, ideal for

    Crystal Injo Compass

    300 Berry St Unit 604, San Francisco, CA 94158
  • /33

    $1,149,000 Open Sat 1PM - 4PM

    • 2 Beds
    • 2 Baths
    • 1,244 Sq Ft

    308 Shotwell St Unit 2, San Francisco, CA 94110

    Thoughtfully updated 2-bedroom, 2-bathroom + den condominium in the heart of San Francisco's Mission District. Set within an intimate 3-unit building, this residence offers both privacy and charm. The inviting living room features a gas fireplace and adjoining dining room, both with bay windows. The dining room flows seamlessly into a beautifully remodeled kitchen designed for modern living and

    Kirk Dahle Vanguard Properties

    308 Shotwell St Unit 2, San Francisco, CA 94110
  • /39

    $4,100,000

    • 2 Beds
    • 2.5 Baths
    • 1,926 Sq Ft

    181 Fremont St Unit 58A, San Francisco, CA 94105

    One of only 55 exceptional homes designed by the legendary ODADA, Residence #58A offers northern and eastern views of the Bay, skyline, and Marin from its corner location. This 2-bed + office layout combines luxury and functionality in a sophisticated living space with 9'6 ceilings and features globally sourced Arabescato Corchia Italian marble, Valcucine cabinetry, and fumed French oak floors.

    Gregg Lynn Sotheby's International Realty

    181 Fremont St Unit 58A, San Francisco, CA 94105
  • /20

    $1,400,000

    • 6 Beds
    • 4 Baths
    • 3,240 Sq Ft

    740-742 37th Ave, San Francisco, CA 94121

    New Price! Located in the heart of San Francisco's highly desirable Richmond District, this well-maintained duplex at 740-742 37th Avenue presents an excellent opportunity for investors or owner-users seeking long-term value in a prime neighborhood. The property consists of two spacious residential units, both currently tenant-occupied on a month-to-month basis, offering flexibility for future

    Broker Randy Lui Brokers Connection Incorporate

    740-742 37th Ave, San Francisco, CA 94121
  • /7

    $850,000

    • 1 Bed
    • 2 Baths
    • 1,236 Sq Ft

    39 Boardman Place Unit 201, San Francisco, CA 94103

    Bright and expansive central SOMA loft space with high ceilings and flexible floor plan options. Boardman Place is a quiet tree lined street within walking distance to dining and transit. This 1200sq+ 1 bedroom loft faces South with a walk out deck directly off the living room. Two levels of living with half bath, dining/entertaining space, kitchen, and den/office/second bedroom on main floor.

    Marco Carvajal Vanguard Properties

    39 Boardman Place Unit 201, San Francisco, CA 94103
  • /20

    $4,900,000 New Construction

    • 3 Beds
    • 3.5 Baths
    • 3,146 Sq Ft

    706 Mission St Unit 11A, San Francisco, CA 94103

    Tower Residence 11A presents an unrivaled luxury opportunity, featuring three bedrooms and three full ensuite bathrooms. With sweeping, exceptional views of the iconic cityscape and Yerba Buena Gardens from every room, the residence is appointed with the finest materials: solid oak floors, marble countertops, Poggenpohl cabinetry, and a chef's kitchen featuring Sub-Zero, Wolf, and Cove

    Garrett Frakes Polaris Pacific

    706 Mission St Unit 11A, San Francisco, CA 94103
  • /47

    $498,000 Open Sun 2PM - 4PM

    • 1 Bed
    • 1 Bath

    555 4th St Unit 102, San Francisco, CA 94107

    Step into a refined South Beach retreat where style, light, and convenience converge. This beautifully updated 1 bedroom, 1 bath condominium, with a leased parking option, welcomes you with new engineered wood floors, a thoughtfully updated kitchen, and a sleek tile-surround bathroom that exudes modern sophistication. A stunning wall of glass fills the home with natural light, creating an airy,

    Rob Costabile Vantage Realty

    555 4th St Unit 102, San Francisco, CA 94107
  • /30

    $3,295,000 Open Sun 1PM - 4PM

    • 4 Beds
    • 2.5 Baths
    • 2,740 Sq Ft

    285 Moncada Way, San Francisco, CA 94127

    Significant price improvement presents an exceptional opportunity to own this charming 1925 residence located in a highly desirable neighborhood. Rich in character and timeless appeal, the home offers an inviting blend of classic architecture and comfortable living spaces. Inside, an expansive great room with fireplace creates a warm and welcoming setting ideal for everyday living and

    Miguel Feijoo Action Real Estate

    285 Moncada Way, San Francisco, CA 94127
  • /37

    $2,725,000 Open Sat 1PM - 3PM

    • 2 Beds
    • 2.5 Baths
    • 1,805 Sq Ft

    4135 California St Unit 1, San Francisco, CA 94118

    4135 California Street is a rare collection of seven brand-new luxury townhomes, offering a boutique, elevator-served living experience in the heart of San Francisco's coveted Lake District / Inner Richmond. Residence #1 is a 2 bedroom/2.5 bathroom two level townhome spanning 1,805 sqft (per graphic artist). The main level consists of an open concept floor plan with defined spaces for living and

    Frank Nolan Vanguard Properties

    4135 California St Unit 1, San Francisco, CA 94118
  • /46

    $288,000

    • 1 Bath
    • 255 Sq Ft

    83 Mcallister St Unit 302, San Francisco, CA 94102

    A perfect blend of city character and convenience! Beaming with natural light, the living space looks out to the surrounding beautiful architecture creating an open and inviting feel. Set within a historic building that was completely remodeled in 2007, the property showcases charming details while offering modern comforts. Enjoy access to a variety of amenities including secure FOB only entry

    Kathryn Gerhardt Gilmartin Group

    83 Mcallister St Unit 302, San Francisco, CA 94102
  • /44

    $2,995,000

    • 2 Beds
    • 2.5 Baths
    • 1,792 Sq Ft

    188 Minna St Unit 34D, San Francisco, CA 94105

    Located on one of the highest floors of the St. Regis Hotel with designer improvements by The Wiseman Group, Residence 34D offers the largest square footage of any two-bedroom layout in the Tower. Featuring floor-to-ceiling windows and a glass-sided terrace, this remarkable Residence delivers sweeping city and Bay views from its prized corner position. The glass-walled kitchen is outfitted with

    Gregg Lynn Sotheby's International Realty

    188 Minna St Unit 34D, San Francisco, CA 94105
  • /2

    $1,599,000

    • Land
    • 0.06 Acre
    • $27,101,695 per Acre

    892 Corbett Ave, San Francisco, CA 94131

    This choice corner lot has approved plans and permits to construct three 3bd/2ba units of approx 1,400 sq ft per unit. Three car garage. At least one of the 3 with pano views. Total lot size is 2,570 sq ft per City records. Best price on the market for location/view property/corner lot/approved plans and permits. SELLER WILL CONSIDER FINANCING. Escrow opened with James Stuart, Fidelity National

    Peter Fatooh Peter Fatooh Realty

    892 Corbett Ave, San Francisco, CA 94131
  • /37

    $725,000 Open Sat 10AM - 1PM

    • 1 Bed
    • 1 Bath
    • 614 Sq Ft

    1288 Howard St Unit 308, San Francisco, CA 94103

    Very spacious south-facing, one-bedroom residence featuring an open floor plan and an abundance of natural light. The floor plan offers generous living and kitchen space, complemented by a dedicated work-from-home alcove. Top-brand appliances, including a gas range, central A/C, recessed lighting, a vented hood, a sunken tub, and full-sized washer/dryer, enhance the home's appeal over other

    Michael Brizzolara March Properties

    1288 Howard St Unit 308, San Francisco, CA 94103
  • /12

    $5,895,000

    • 13 Beds
    • 10,200 Sq Ft

    1163 Pine St, San Francisco, CA 94109

    1163 Pine Street presents a well-positioned 16-unit multifamily investment opportunity in the heart of Downtown San Francisco, offering investors a rare opportunity to acquire a classic asset in one of the city's most walkable and transit-oriented neighborhoods. Located along the Nob Hill corridor, the property is surrounded by a vibrant mix of dining, retail, and everyday conveniences, all

    Adam Carosso Colliers International

    1163 Pine St, San Francisco, CA 94109
  • /89

    $750,000

    • 1 Bed
    • 1 Bath
    • 660 Sq Ft

    106 Valley St, San Francisco, CA 94131

    Inviting and intimate flat that has been elegantly updated and embraced by an enchanting entryway in an exceptional Noe Valley location! The home presents a flexible floor plan with a large room with a conveniently located laundry closet, an additional room with closet space, an updated eat-in kitchen, and a full bathroom. The flat is nestled behind a fence and accessed by a brick walkway and

    Jeffrey Salgado Compass

    106 Valley St, San Francisco, CA 94131
  • /29

    $1,795,000 Open Sat 11AM - 1PM

    • 3 Beds
    • 2 Baths
    • 1,875 Sq Ft

    214 Prospect Ave, San Francisco, CA 94110

    Welcome to 214 Prospect Avenue! Located on one of the best blocks in Bernal Heights, 214 Prospect feels like a warm hug the moment you walk in inviting, light-filled, and full of soul. This two-level house-like condo blends timeless character with thoughtful updates, offering 3 bedrooms plus a flexible office/sunroom and 2 beautifully updated, spacious bathrooms. High ceilings, original details,

    Missy Wyant Smit Compass

    214 Prospect Ave, San Francisco, CA 94110
  • /56

    $1,350,000 Open Sun 3PM - 4:30PM

    • 2 Beds
    • 2 Baths
    • 1,207 Sq Ft

    403 Main St Unit 815N, San Francisco, CA 94105

    Exceptional TOP-FLOOR corner 2BR/2BA residence with private balcony in prime South Beach neighborhood, directly across from the waterfront along the Embarcadero. Filled with abundant natural light, this home features soaring ceilings, dramatic living spaces, and striking curvilinear bay windows showcasing beautiful city, bridge, and water views. Stylish European white oak hardwood floors

    Michelle Ye The Agency

    403 Main St Unit 815N, San Francisco, CA 94105
  • /42

    $5,950,000

    • 3 Beds
    • 2 Baths
    • 2,120 Sq Ft

    2200 Sacramento St Unit 1601, San Francisco, CA 94115

    Situated on the 16th floor in prestigious Pacific Heights, one of San Francisco's most coveted and architecturally distinguished neighborhoods, this extraordinary three bedroom, two bath penthouse captures sweeping East, North, and South views, from the Golden Gate Bridge and the Bay to Sutro Tower and the glittering city skyline. Expansive wraparound balconies create seamless indoor outdoor

    Stephen Gomez Compass

    2200 Sacramento St Unit 1601, San Francisco, CA 94115

Showing Results 481 - 520, Page 13 of 18

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