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Savannah, GA 2-Story Homes for Sale

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  • /33

    $825,000

    • 6 Beds
    • 4 Baths
    • 3,500 Sq Ft

    206 W 42nd St, Savannah, GA 31401

    Great INVESTMENT opportunity in the hottest area in town- it is a total MONEY-MAKER that earned OVER $130,000.00 in 2023 and cleared $110,000 with one unit owner occupied for six months in 2024!!! This quadplex has been COMPLETELY redone from top to bottom and features wood floors throughout, fireplaces, high ceilings and tons of natural light! All units have been completely redone. One of only 3

    Chelsea Phillips Six Bricks LLC

    206 W 42nd St, Savannah, GA 31401
  • /48

    $1,249,500 Open Sun 2PM - 4PM

    • 6 Beds
    • 4 Baths
    • 3,870 Sq Ft

    217 W 36th St, Savannah, GA 31401

    Discover the potential of this duplex property located in the heart of Savannah. Featuring two units, 217 and 219, with endless possibilities for investors, homeowners, or anyone seeking a versatile living arrangement. The soaring 12-foot ceilings, adds grand appearance. Every detail has been meticulously done during the renovation, offering a perfect mix of modern luxury and timeless charm.

    Yolanda Owens Keller Williams Coastal Area P

    217 W 36th St, Savannah, GA 31401
  • /50

    $720,000

    • 3 Beds
    • 2.5 Baths
    • 1,842 Sq Ft

    515 E Henry St, Savannah, GA 31401

    25K PRICE REDUCTION!!! TURN KEY HOME READY FOR NEW OWNER! Only one 1/2 Block from SCAD's Garvin Hall & shuttle stop near Forsyth Park, Starland, & Historic District.HIGH EFFICIENCY & SUPER LOW OPERATING COSTS! Enjoy the charm of the refinished heart pine floors, foyer archway, large baseboards & crown molding, 4 decorative restored mantels w/custom tiles.Living room has original pocket

    Felicia Earl Felicia & Company LLC

    515 E Henry St, Savannah, GA 31401
  • /23

    $449,000

    • 3 Beds
    • 2.5 Baths
    • 2,400 Sq Ft

    516 W 37th St, Savannah, GA 31415

    This stunning townhome offers both comfort and convenience, featuring a spacious primary suite located upstairs with private balcony access-perfect for enjoying morning coffee or evening sunsets. The primary bathroom boasts a luxurious garden tub, ideal for relaxation. Upstairs, you'll also find two bedrooms and a full guest bathroom, providing ample space for family or guests. Downstairs, a half

    Brandy O'Neill eXp Realty

    516 W 37th St, Savannah, GA 31415
  • /23

    $449,000

    • 3 Beds
    • 2.5 Baths
    • 2,400 Sq Ft

    516 W 37th St, Savannah, GA 31415

    **Price Improvement**This stunning townhome offers both comfort and convenience, featuring a spacious primary suite located upstairs with private balcony access—perfect for enjoying morning coffee or evening sunsets. The primary bathroom boasts a luxurious garden tub, ideal for relaxation. Upstairs, you’ll also find two bedrooms and a full guest bathroom, providing ample space for family or

    Brandy O'Neill eXp Realty LLC

    516 W 37th St, Savannah, GA 31415
  • /35

    $1,689,000

    • 6 Beds
    • 5 Baths
    • 5,442 Sq Ft

    207 E Gwinnett St, Savannah, GA 31401

    Located just one block from Forsyth Park, 207 East Gwinnett Street is a grand, free-standing mansion built in 1872. Presently a great multi-generational home with plenty of room for entertainment in a sought after location, this stunning residence boasts 14-foot ceilings, intricate mouldings, original heart pine floors, and exquisite plasterwork, preserving its historical charm while offering

    Taavo Roos Seabolt Real Estate

    207 E Gwinnett St, Savannah, GA 31401
  • /46

    $330,000

    • 2 Beds
    • 2.5 Baths
    • 1,714 Sq Ft

    12502 Apache Ave Unit 41, Savannah, GA 31419

    Deepwater townhome with views of the Little Ogeechee River. Enjoy sunsets on your back deck each evening and watch the dolphins play out your back door. Bell's Landing is a gated townhome community with boat docks and a community pool. Move-in ready with refrigerator, washer & dryer included! Upgraded, real hardwood flooring and gas log fireplace in the great room with river views. Upstairs

    Melanie Kramer Keller Williams Realty Coastal

    12502 Apache Ave Unit 41, Savannah, GA 31419
  • /40

    $995,000

    • 3 Beds
    • 2 Baths
    • 2,850 Sq Ft

    422 E Gwinnett St, Savannah, GA 31401

    PRICE IMPROVEMENT! This beautiful INCOME PRODUCING Victorian duplex, has the option to have an owner occupied STVR. It sits on an oversized lot in the historic district, just 3 blocks from Forsyth Park, restaurants, and shopping, was built in 1894 for Colonel Charles Olmstead. Boasting an oversized lot (including the lane) with 4 to 5 parking spaces, a large courtyard with plenty of space for a

    Shelley Smith BHHS Bay Street Realty Group

    422 E Gwinnett St, Savannah, GA 31401
  • /43

    $749,000

    • 3 Beds
    • 3.5 Baths
    • 2,734 Sq Ft

    1 Hobcaw Ln, Savannah, GA 31411

    This charming 3 bedroom, 3.5 bath patio home, situated on the 18th tee box of the Terrapin Point golf course, is ready for you to make it your own. The foyer opens to the double-height Living Room with tall Palladian windows, taking in the green space, lagoon, and golf views. The home's main floor features a nicely updated kitchen, a dining area, sunroom, and the primary suite with an updated

    Jill Brooks The Landings Company

    1 Hobcaw Ln, Savannah, GA 31411
  • /28

    $750,000

    • 4 Beds
    • 3.5 Baths
    • 3,040 Sq Ft

    127 Pine Grove Dr, Savannah, GA 31419

    Large beautiful house with lots of rooms and a small efficiency apartment in the back overlooking Crooked Creek which is off the Ogeechee River. Property has a large back yard, small dock and fruit trees. Efficiency apartment can be revenue generating, or just for company to stay when visiting. Catch fish, shrimp or crabs off the dock for dinner if you like fresh seafood. Lots of kitchen cabinets

    CARL SAPP Golden Properties

    127 Pine Grove Dr, Savannah, GA 31419
  • /33

    $385,000

    • 5 Beds
    • 3 Baths
    • 2,361 Sq Ft

    208 Turpentine Trail, Bloomingdale, GA 31302

    This Beautiful OPEN FLOOR Plan features 5 Bedrooms and 3 Baths. Very Desirable, Convenient Location. PRISTINE CONDITION. Gourmet Kitchen with Counter Height Island. Walk-IN Pantry. Bedroom and Bath located on First Floor that could serve as second Primary Bedroom. Upstairs is a spacious Primary Suite with Large Closet, Bath that features Dual Sink Vanity, 5 ft. Shower and separate Water Closet. 3

    Cynthia Parker Next Move Real Estate LLC

    208 Turpentine Trail, Bloomingdale, GA 31302
  • /36

    $399,900

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

    236 Chickadee St, Bloomingdale, GA 31302

    5 Bedrooms, 3.5 Baths. STELLAR LOCATION. IMMACULATE HOME. Luxury Vinyl Flooring in the common areas, with carpet in the bedrooms and upstairs. Gourmet Kitchen with Granite and Walk-In Pantry. Primary Bedroom located on the Main Floor with Large Closet, Double Sinks, Separate Shower and Water Closet. GREAT FLEX SPACE UPSTAIRS. Smart Home Features.

    Cynthia Parker Next Move Real Estate LLC

    236 Chickadee St, Bloomingdale, GA 31302
  • /24

    $419,900

    • 5 Beds
    • 3 Baths
    • 2,952 Sq Ft

    141 Endicott Dr, Savannah, GA 31419

    Open floor plan with decorative iron balusters going up the stairs and around the balcony. One bedroom and full bath downstairs and remaining bedrooms upstairs. Granite kitchen counter tops with 42" cabinets and stainless steel appliances. LVT flooring through living area.

    Drew Doheny Re/Max Accent

    141 Endicott Dr, Savannah, GA 31419
  • /4

    $2,100,000

    • Land
    • 2.78 Acres
    • $755,394 per Acre

    5103 Garrard Ave, Savannah, GA 31405

    Approved development project for a total of 75 units: consists of 33 apartment units across 2 buildings — "North" & "South" buildings.. The North Building includes a ground-floor fitness center & a rooftop amenity space with both indoor & outdoor areas for coffee, work, and socializing. The rooftop provides a versatile space for day-to-night use, ideal for relaxation and community activities.

    Michelle Parker-Scott Parker Scott Properties

    5103 Garrard Ave, Savannah, GA 31405
  • /43

    $410,000

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

    22 Litchfield Dr, Savannah, GA 31419

    This is the house that you're searching for! Located in the Teal Lake Subdivision in Savannah, this well laid out Floor Plan is just what you need to make everyone comfortable in their own Space! Enter into a massive 2 Story Foyer with Traditional Dining Room and Convenient Office/Study. Enjoy your Great Room Overlooking a Spacious Fully Equipped Kitchen and Dining Area. Upstairs pick from a Huge

    Isia D Orr Fox Hollow Realty

    22 Litchfield Dr, Savannah, GA 31419
  • /46

    $650,000

    • 4 Beds
    • 2.5 Baths
    • 2,668 Sq Ft

    106 Radick Dr, Savannah, GA 31406

    Reintroducing 106 Radick Dr. Nestled in the highly sought after Dutch Island, this property presents a unique opportunity for an investor or homeowners eager to customize their dream home. This 4 bedroom 3 bath home provides the perfect blank canvas to incorporate modern amenities and personal touches throughout. A thoughtfully executed renovation can not only create an ideal living space but

    Mertha Maddox ERA Evergreen Real Estate

    106 Radick Dr, Savannah, GA 31406
  • /34

    $586,000

    • 4 Beds
    • 3 Baths
    • 2,230 Sq Ft

    124 Whistling Duck Ct, Savannah, GA 31406

    Step into this inviting Low Country home in the highly desirable Tabby Village neighborhood. The home is nestled in the heart of the Sandfly area, just a short distance from the picturesque Isle of Hope, offering a perfect blend of suburban charm and convenience. Meticulously maintained and energy-efficient, it features new heat pumps (2023 & 2024), new insulation (2025), side garage door(2024),

    Kristy Valdez BHHS Bay Street Realty Group

    124 Whistling Duck Ct, Savannah, GA 31406
  • /50

    $995,000

    • 5 Beds
    • 4.5 Baths
    • 5,319 Sq Ft

    21 Crestwood Dr, Savannah, GA 31405

    This stately brick home offers space for everyone in the family! It features a grand entrance foyer flanked by Formal Dining and Cocktail area with wet bar, beautiful hardwood floors and loads of crown and trim detail! The Great Room includes custom cabinetry surrounding a wood-burning fireplace! The gourmet kitchen is every chef's dream-there is a massive amount of counter space, granite tops,

    Jennifer Scroggs Southbridge Greater Sav Realty

    21 Crestwood Dr, Savannah, GA 31405
  • /33

    $1,200,000

    • 4 Beds
    • 4.5 Baths
    • 3,716 Sq Ft

    102 Reserve Cir, Savannah, GA 31421

    Welcome to this newly launched community. The Isling at Savannah Harbor with Banquet Room/ Pool Pavilion club house just completed. This is one of the original homes with elevated outdoor living space and outdoor riverock fireplace. French door great room with craftsman built-ins wrapped around custom built fireplace. Oak floors throughout the kitchen, butlers Pantry, wet bar, dining parlor, two

    Scott Shippy Integrity Real Estate LLC

    102 Reserve Cir, Savannah, GA 31421
  • /22

    $329,900

    • 3 Beds
    • 2.5 Baths
    • 1,829 Sq Ft

    24 Pomona Cir, Savannah, GA 31419

    Fantastic opportunity in The Cove at Bradley Point – 3-bedroom stunner in the versatile Kennebunk floorplan blending comfort, convenience, and style! An open concept living space was designed to meet the demands of a modern lifestyle, boasting stylish fixtures, contemporary finishes, and a neutral palette just waiting for your personal touch. Sizable bedrooms and an airy primary suite with large

    Susan Ayers Clickit Realty

    24 Pomona Cir, Savannah, GA 31419
  • /46

    $3,599,000

    • 6 Beds
    • 6 Baths
    • 5,912 Sq Ft

    25 W Perry St, Savannah, GA 31401

    Amazing opportunity to live on a quiet residential block in the heart of Savannah’s National Historic Landmark District, steps from Forsyth Park, Bull Street, the Downtown Design District & the city’s best dining, shopping & amenities. Originally built for cotton merchant & planter John Stoddard in 1854, this grand 4-story, end-unit townhouse includes an income-producing 1 BR/1 BA garden-level

    Staci Donegan Seabolt Real Estate

    25 W Perry St, Savannah, GA 31401
  • /49

    $3,650,000

    • 5 Beds
    • 5.5 Baths
    • 8,030 Sq Ft

    112 Modena Island Dr, Savannah, GA 31411

    Updated bathrooms and brand new walk in pantry! Experience breathtaking waterfront views from every room in this spacious 5-bedroom, 5-bathroom home, perfect for everyone! This property boasts a dedicated home office, formal and casual living spaces, a dining room, playroom, movie theater, home gym, and a cozy fire pit. Sip your morning coffee on one of the many porches or on the dock. Additional

    Christen Wallace-Bergen Salt Marsh Realty LLC

    112 Modena Island Dr, Savannah, GA 31411
  • /17

    $135,000

    • 3 Beds
    • 2 Baths
    • 1,860 Sq Ft

    806 W 39th St, Savannah, GA 31415

    Discover a prime opportunity in the stunning Savannah, GA. This charming 3-bedroom, 2-bathroom home boast impressive tall ceilings, four fireplaces, and hardwood floors throughout. This property is a full rehab project, allowing you to transform it into a dream residence or a rental to add to your portfolio.

    Gary Mobley Realty One Group Inclusion

    806 W 39th St, Savannah, GA 31415
  • /47

    $699,900 Open Sun 2AM - 4PM

    • 5 Beds
    • 5 Baths
    • 3,980 Sq Ft

    46 River Oaks Rd, Savannah, GA 31410

    4BR / 4BA + 2 STORY DETACHED 4 CAR GARAGE/WORKSHOP w Full Bath and Second Floor Flex Space Perfect for Living Space / Home Gym / Class Room (5th BR) etc..Main House Offers 2 Floors that are Ready to Meet Your Needs: 1st Floor: Formal Dining, Upgraded Kitchen w Custom Cabs, Premium SS Appliances, Bkfst Bar + Bkfst Area + Coffee Bar and 2 Pantries + Lots of Prep Space - Multi Function Mud Room

    Jeff Shaufelberger Coldwell Banker Access Realty

    46 River Oaks Rd, Savannah, GA 31410
  • /40

    $444,900

    • 2 Beds
    • 2.5 Baths
    • 1,548 Sq Ft

    3005 River Dr Unit 514, Savannah, GA 31404

    This charming two-bedroom, two-and-a-half-bath townhouse offers an open floorplan perfectly situated with stunning water views of the Wilmington River! The foyer opens to the breakfast area and flows into the kitchen, seamlessly connecting the living room with the dining area and half-bath. Cozy up by the fireplace or step outside to your covered deck, where you can unwind while soaking in the

    Troy Lamb Advanced Real Estate Services

    3005 River Dr Unit 514, Savannah, GA 31404
  • /27

    $1,375,000

    • 12 Beds
    • 8 Baths
    • 3,504 Sq Ft

    1313 Whitaker St, Savannah, GA 31401

    Seize this rare investment opportunity in Savannah's thriving Victorian Historic District! This fully occupied quadplex offers immediate cash flow and a hassle-free, turn-key experience. With 12 bedrooms, 8 baths, and 3,504 square feet of updated, high-demand rental space, this property is a solid addition to any portfolio. Investors will appreciate the tax abatement until 2025, ensuring enhanced

    Brandon Fargo Keller Williams Coastal Area P

    1313 Whitaker St, Savannah, GA 31401
  • /20

    $225,000

    • 2 Beds
    • 1.5 Baths
    • 1,120 Sq Ft

    232 Stephenson Ave Unit 3E, Savannah, GA 31405

    MOVE IN READY! QUICK CLOSE AVAILABLE! The perfect location in the heart of Savannah with a PRIVATE courtyard! This move in ready condo features tons of space with an open concept living, dining, kitchen area on the main level and 2 spacious bedrooms and bath upstairs. There’s also a convenient half bath on the first floor. All new paint, newer HVAC and appliances and updated windows

    Whitney Butler Seaport Real Estate Group

    232 Stephenson Ave Unit 3E, Savannah, GA 31405
  • /8

    $154,900

    • 5 Beds
    • 3.5 Baths
    • 2,902 Sq Ft

    526 W 39th St, Savannah, GA 31415

    Discover the charm and be delighted by this unique multi-family property featuring two separate buildings with a total of three units - a duplex and a detached single-family unit in the rear. The duplex offers a clean slate for you to design as you wish. Each unit of the duplex has 2 bedrooms and 1 bath, with one unit upstairs and the other downstairs. The detached unit features 1 bedroom, 1.5

    Sabriya Scott Scott Realty Professionals LLC

    526 W 39th St, Savannah, GA 31415
  • /11

    $229,500

    • 2 Beds
    • 1.5 Baths
    • 1,120 Sq Ft

    232 Stephenson Ave Unit 4D, Savannah, GA 31405

    Perfect mid-town location, close proximity to dining, shopping, banks, schools, hospitals, and the Southside YMCA. New cabinets and quartz countertops in both the kitchen and bathrooms, providing a modern and stylish touch. All-new energy-efficient appliances with convenient features. Luxury Vinyl Plank flooring in living rooms and bedrooms, along with ceramic tile flooring in the full bath.

    Stephen Lufburrow Lufburrow Realty Company, LLC

    232 Stephenson Ave Unit 4D, Savannah, GA 31405
  • /38

    $849,900 Open Sun 2PM - 4PM

    • 5 Beds
    • 4 Baths
    • 4,402 Sq Ft

    765 Southbridge Blvd, Savannah, GA 31405

    Nestled on a private, half-acre lot, this stately 5BD/4BA brick home offers a wealth of refined living spaces! Step inside to find a large formal dining room & inviting living room w/ custom built-ins surrounding a cozy gas fireplace. The gorgeous dine-in kitchen stands at the heart of the home featuring stunning granite countertops, breakfast bar, & gleaming SS appliances. The main level primary

    Brooke Powell Keller Williams Coastal Area P

    765 Southbridge Blvd, Savannah, GA 31405
  • /43

    $2,295,000

    • 5 Beds
    • 5 Baths
    • 5,160 Sq Ft

    56 E 54th St, Savannah, GA 31405

    This all-brick Tudor-style home has belonged to some of Savannah's most prominent families. The fully-renovated turnkey home is situated on beautiful Adams Park, just minutes from downtown and Savannah's Southside. The architect's fine attention to detail is seen throughout the home's many decorative elements including ornate wood and plasterwork rarely seen today. The home has been respectfully

    Lori Judge Judge Realty, LLC

    56 E 54th St, Savannah, GA 31405
  • /21

    $8,500,000

    • 18 Beds
    • 18 Baths
    • 10,215 Sq Ft

    36 Martin Luther King Junior Blvd, Savannah, GA 31401

    Located in Savannah's Historic Landmark District, 36 MLK is a prime mixed-use investment opportunity. This +/- 10,215 SF building features a ground-floor restaurant on a NNN lease, and 12 short-term rental units operating as an Apartment Hotel. The asset benefits from Savannah’s strong tourism market, high foot traffic, and its prime location near major attractions, presenting an excellent

    Brett Strickland DAI Commercial Realty LLC

    36 Martin Luther King Junior Blvd, Savannah, GA 31401
  • /40

    $497,000

    • 3 Beds
    • 2.5 Baths
    • 2,400 Sq Ft

    520 W 37th St, Savannah, GA 31415

    Back on the Market- No Fault of the Seller. Welcome to the traditional classic style home!! As you enter this 2400 square foot townhome you'll get the feel that it is much bigger than that. With 9 ft + ceilings throughout the home has generously sized rooms. A large kitchen with stainless steel appliances and an oversized breakfast nook, and huge bedrooms with spacious closets. Come enjoy your

    John Yates SWP Realty

    520 W 37th St, Savannah, GA 31415
  • /41

    $1,850,000

    • 5 Beds
    • 4 Baths
    • 3,763 Sq Ft

    5528 Silk Hope Rd, Savannah, GA 31405

    Beyond the iron gates, lies the enchanting Silk Hope Estate, a 22-acre property located just 10 minutes from Downtown Savannah, offering the perfect blend of rural serenity & urban convenience. As you follow the winding drive, you'll find a 5 bed, 4 bath home that beckons w/ timeless elegance & modern comforts. Inside, formal living & dining rooms invite you to host unforgettable gatherings while

    Brooke Powell Keller Williams Coastal Area P

    5528 Silk Hope Rd, Savannah, GA 31405
  • /49

    $2,499,000

    • 6 Beds
    • 6.5 Baths
    • 7,606 Sq Ft

    21 Shellwind Dr, Savannah, GA 31411

    Welcome to this custom brick estate in The Landings. This spectacular home with 4 car garage was built on the principles of Feng Shui, a traditional practice that uses energy forces to harmonize individuals with their surrounding environment. The front doors and walls face the southeast, ensuring "good luck". Features in this impressive home of 6 bedrooms and 6.5 bathrooms include 2 bedrooms that

    Cathryn Budd The Landings Company

    21 Shellwind Dr, Savannah, GA 31411
  • /2

    $230,000

    • 3 Beds
    • 2.5 Baths
    • 1,564 Sq Ft

    85 Knollwood Ln, Savannah, GA 31419

    Welcome home to this charming 3 bedroom, 2.5 bathroom brick townhome. On the first floor you will find an expansive living room with nice LVP flooring and a half-bath. Large dining room and kitchen with a back door leading to your private back patio. Upstairs you will find the primary bedroom with en-suite bathroom and large walk-in closet. Down the hallway is two bedrooms and a full bath.

    Anna Crawford Engel & Volkers

    85 Knollwood Ln, Savannah, GA 31419
  • /50

    $749,000

    • 3 Beds
    • 3 Baths
    • 2,034 Sq Ft

    700 Wilmington Island Rd Unit 303, Savannah, GA 31410

    Stunning 3 Bedroom, 3 Bath Professionally Decorated Two Story Condo With Wide Formal Wrought Iron Staircase & Direct Access On Both Floors. Features Include 2034 Sq Ft With Open Floor Plan, Double Door Entry Foyer, Living Room, Dining Room, Den, Fully Equipped Kitchen, Laundry Room & Storage Closets. Large Master With Walk In Closet, Spa Bath With Double Vanity, Shower & Soaking Tub. Two

    Steven Fischer ERA Southeast Coastal

    700 Wilmington Island Rd Unit 303, Savannah, GA 31410
  • /50

    $2,479,000

    • 4 Beds
    • 4.5 Baths
    • 4,389 Sq Ft

    612 Barnard St, Savannah, GA 31401

    Welcome to this beautiful Victorian home, just 1 block from Forsyth Park in Savannah's historic district. Meticulously restored, this home seamlessly blends historic charm with modern convenience. Step inside to discover heart pine flooring complemented by a stunning geometric flooring design in the foyer and hallway, crafted from cherry and oak woods. The renovated kitchen features all new

    Cindy Landolt Century 21 Solomon Properties

    612 Barnard St, Savannah, GA 31401
  • /2

    $395,000

    • 4 Beds
    • 2.5 Baths
    • 2,431 Sq Ft

    6 Ballasalla Loop, Savannah, GA 31407

    Welcome to 6 Ballasalla Loop, a 4-bedroom, 2.5-bathroom home nestled in the inviting Savannah Highlands community. This 2,431 sq. ft. move-in-ready home offers modern style and comfort. Enjoy an open-concept main floor with a spacious kitchen island, perfect for entertaining. The master suite features a private en-suite and closet built-ins. Upstairs features three bedrooms, a full bathroom, and

    Steven Koleno Beycome Brokerage Realty LLC

    6 Ballasalla Loop, Savannah, GA 31407
  • /2

    $399,900

    • 3 Beds
    • 1.5 Baths
    • 2,206 Sq Ft

    630 E 40th St, Savannah, GA 31401

    Investment opportunity in Savannah, Ga. Prime location, just minutes away from downtown, and walking distance to Daffin Park, Grayson Stadium, and Starland Yard.

    John Carr Seaport Real Estate Group

    630 E 40th St, Savannah, GA 31401

Showing Results 361 - 400, Page 10 of 14

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