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Lakefront Homes for Sale in South Carolina

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  • /42

    $319,000

    • 2 Beds
    • 2 Baths
    • 1,056 Sq Ft

    1645 Rolling Hills Rd Unit 257, Ridgeway, SC 29130

    Welcome to your own private lakeside retreat! This stunning lakefront property offers unparalleled beauty and tranquility with sweeping water views!Whether you’re a boating enthusiast, fisherman, or simply someone who enjoys peaceful lakeside views, this home provides the ultimate in lakefront living. With your own private dock, you can easily enjoy water activities and unwind by the lake

    Christy Solomon Premier South

    1645 Rolling Hills Rd Unit 257, Ridgeway, SC 29130
  • /47

    $3,299,900

    • 5 Beds
    • 6.5 Baths
    • 10,022 Sq Ft

    2700 River Ridge Place, Fort Mill, SC 29708

    Luxury lakefront living w/ breathtaking views of Lake Wylie located in the Fort Mill area! 10,000 sqft estate on 2.86 acres. Built with steel beam construction, this custom home features 7800+/- sqft in main house w/ an attached 2200+/- sqft guest home w/ full kitchen. The lot can be subdivided w/ possible additional docks. Great investment or additional residence. Just minutes from I-77

    John DiCristo Ivester Jackson Distinctive Properties

    2700 River Ridge Place, Fort Mill, SC 29708
  • /18

    $350,000

    • Land
    • 0.87 Acre
    • $402,299 per Acre

    112 Coral Beads Way, Sunset, SC 29685

    Welcome to 112 Coral Beads Way—where your morning coffee comes with mist rising off Lake Keowee and your evenings melt into watercolor sunsets over the Blue Ridge. This gorgeous 0.87-acre lot isn’t just land—it’s a blank canvas for your dream lake home, nestled in the prestigious Cliffs at Keowee Vineyards.The lot gently rolls down to a peaceful, protected cove (yes, the platform dock is

    Kyle Nicholson Clardy Real Estate - Lake Keowee

    112 Coral Beads Way, Sunset, SC 29685
  • /35

    $749,900

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

    2608 Scurry Island Rd, Chappells, SC 29037

    This rare lakefront gem on Lake Greenwood offers an unbeatable six-mile view straight down the biggest, deepest part of the lake, providing breathtaking sunsets and year-round deep water access. Located on Scurry Island Rd, this home is perfect for those who crave the best views the lake has to offer. With 5 bedrooms and 3 baths, this exceptionally well-built home blends quality craftsmanship,

    Tonya Wiley Wiley Real Estate LLC

    2608 Scurry Island Rd, Chappells, SC 29037
  • /11

    $129,900

    • Land
    • 4.12 Acres
    • $31,529 per Acre

    00 Tom Young Bridge Rd, Iva, SC 29655

    4+ ACRES ON LAKE RUSSELL! Own your own piece of lakefront heaven. This private wooded lot extends down through the Army Corps of Engineers property to the lake. Under a mile to the Felkel Landing boat ramp! You can walk to the water every morning. There is also a creek running through the property! Lake Russell is a pristine 26,650 acre lake and is known for world class crappie fishing, and the

    Melissa Cowart Red Gate Realty

    00 Tom Young Bridge Rd, Iva, SC 29655
  • /8

    $324,900

    • Land
    • 0.30 Acre
    • $1,083,000 per Acre

    217 Kayak Point, Greenwood, SC 29649

    Welcome to Lake Greenwood! Enjoy Lake Life while you build on this AWESOME lot in the Newport Community overlooking the main channel of Lake Greenwood. This lot is perfectly situated for sunset views and immediate access to Lake Greenwood's 11,000+ square acres of boating, fishing watersports! The lot is already cleared, has power, and offers a slight slope to the water. Your seawall and pier

    Sharon Mulkey RE/MAX Action Realty

    217 Kayak Point, Greenwood, SC 29649
  • /39

    $800,000

    • 3 Beds
    • 2 Baths
    • 1,513 Sq Ft

    4080 Elks Park Rd, Rock Hill, SC 29732

    Enjoy lakefront living with this waterfront ranch on Lake Wylie, featuring 127 feet of water frontage on a peninsula along the main channel. Eligible for a dock and offering STR potential, this home is a rare find!Recent 2024 updates include a new roof, fresh paint, and a new well. Inside, the open living area features a wood-burning fireplace, while the kitchen boasts new LVP flooring and a

    Alexis Hughes EXP Realty LLC Ballantyne

    4080 Elks Park Rd, Rock Hill, SC 29732
  • /39

    $179,900

    • 3 Beds
    • 2 Baths
    • 1,250 Sq Ft

    1617 Crystal Lake Dr, Myrtle Beach, SC 29575

    Enjoy The Spectacular Views of the 40 Acre Lake from the The Huge Front Deck and All of the Front Windows and the Front Door of this Beautiful Custom Built- 3/Bed -2/Bath LakeFront Home on the Largest Lakefront Lot in the Secluded Crystal Lake Community (Pet friendly) at Surfside Beach- Short Golf Cart ride to the Ocean. Walking Paths. Centrally Located- close drive to Myrtle Beach State Park,

    John Ebbert EXP Realty LLC

    1617 Crystal Lake Dr, Myrtle Beach, SC 29575
  • /8

    $150,000

    • Land
    • 0.53 Acre
    • $283,019 per Acre

    Lot 22 Rivoli Point Rd, Westminster, SC 29693

    This lakefront lot is over a 1/2 acre in size and has 120' on the Corps line. The grade will be perfect for a walkout basement, and you will have a short, easy walk to the slip dock included in the sale.

    Spot On The Lake Lake Hartwell Partners, LLC

    Lot 22 Rivoli Point Rd, Westminster, SC 29693
  • /72

    $579,000

    • 3 Beds
    • 2 Baths
    • 2,260 Sq Ft

    50 Ivory Gull Ln, Liberty Hill, SC 29074

    Rare Lake Wateree Acreage with In-Law Suite & Flex Space! Don't miss this incredible opportunity to own a lakefront home on 3.05 private acres with stunning views of beautiful Lake Wateree. Offering 2260 heated square feet, this well-maintained home features 3 spacious bedrooms, 2 full bathrooms, and a fully finished bonus room perfect for a playroom, home gym, or flex space. This open-concept

    Tiffany Burghardt CMM Realty, Inc.

    50 Ivory Gull Ln, Liberty Hill, SC 29074
  • /10

    $35,000

    • Land
    • 0.41 Acre
    • $85,366 per Acre

    002 Blue Heron Cove, Lake Secession, SC 29620

    Lake Secession Waterfront Lot – Stunning Views & Endless Possibilities! Build your dream lakefront retreat on this .41-acre lot with 89 feet of waterfront on beautiful Lake Secession in Abbeville County, SC. This serene and quiet location offers breathtaking views and direct access to one of the best-kept secrets in Upstate South Carolina. Lake Secession is a 1,450-acre reservoir known for

    Stephanie Wilson EXP Realty LLC

    002 Blue Heron Cove, Lake Secession, SC 29620
  • /10

    $35,000

    • Land
    • 0.46 Acre
    • $76,087 per Acre

    001 Blue Heron Cove, Lake Secession, SC 29620

    Lake Secession Waterfront Lot – Stunning Views & Endless Possibilities! Build your dream lakefront retreat on this .41-acre lot with 89 feet of waterfront on beautiful Lake Secession in Abbeville County, SC. This serene and quiet location offers breathtaking views and direct access to one of the best-kept secrets in Upstate South Carolina. Lake Secession is a 1,450-acre reservoir known for

    Stephanie Wilson EXP Realty LLC

    001 Blue Heron Cove, Lake Secession, SC 29620
  • /10

    $35,000

    • Land
    • 0.46 Acre
    • $76,087 per Acre

    001 Blue Heron Cove, Abbeville, MD 20620

    Lake Secession Waterfront Lot – Stunning Views & Endless Possibilities! Build your dream lakefront retreat on this .41-acre lot with 89 feet of waterfront on beautiful Lake Secession in Abbeville County, SC. This serene and quiet location offers breathtaking views and direct access to one of the best-kept secrets in Upstate South Carolina. Lake Secession is a 1,450-acre reservoir known for

    Stephanie Wilson eXp Realty LLC (Greenville)

    001 Blue Heron Cove, Abbeville, MD 20620
  • /40

    $444,900

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

    172 Board Landing Cir, Conway, SC 29526

    Welcome to the stunning Shaftesbury Estates, where nature meets elegance! Nestled among majestic oak trees and serene cypress lakes, this meticulously maintained 3-bedroom, 3-bathroom home also features a versatile den/office that doubles as a fourth bedroom. Upon entering, the foyer opens to a welcoming office space. The spacious living area, complete with a cozy gas fireplace, seamlessly flows

    Sandra Sanders Beach & Forest Realty North

    172 Board Landing Cir, Conway, SC 29526
  • /60

    $667,500

    • 5 Beds
    • 4.5 Baths
    • 4,179 Sq Ft

    2107 Ludlow Place, Chapin, SC 29036

    Back on the market at no fault of the sellers! This beautifully designed two- story home, featuring the Rutledge ll floor plan includes 5 bedrooms and 4.5 baths, blending elegance and functionality. Located in the sought after Palmetto Shores lakefront community and award winning Chapin schools. As you step inside, you're welcomed by a bright, open layout with upgraded luxury vinyl plank flooring

    Jamie Stoner Douglas & Cannon Real Est LLC

    2107 Ludlow Place, Chapin, SC 29036
  • /35

    $920,000

    • 4 Beds
    • 3.5 Baths
    • 3,000 Sq Ft

    514 Swing About, Greenwood, SC 29649

    Beautiful Stoney Point lakefront home, just off the main channel! Waterfront homes in this community are few and far between. Discover the perfect blend of luxury, comfort, and lakefront living in this beautiful brick home. Designed for both relaxation and entertaining, this residence features three bedrooms, three and a half bathrooms, and a spacious bonus room or fourth bedroom- with its own

    Tonya Wiley Wiley Real Estate LLC

    514 Swing About, Greenwood, SC 29649
  • /72

    $825,000

    • 4 Beds
    • 3 Baths
    • 3,782 Sq Ft

    184 Savannah Dr, Mc Cormick, SC 29835

    Discover the charm of lakeside living in this beautifully designed home with a Southern Living floor plan. This home features large windows that flood the interior with natural light while offering captivating views of the lake from all angles. The east-facing waterfront view allows for warm, inviting morning sunlight. As you enter, you will be greeted by a stunning tiled foyer that transitions

    Candy Gresham Blanchard & Calhoun - Evans

    184 Savannah Dr, Mc Cormick, SC 29835
  • /50

    $995,000

    • 4 Beds
    • 2.5 Baths
    • 3,200+ Sq Ft

    10 Gangway Ln, Salem, SC 29676

    A lake house with a fabulous long range view! This custom built 4+ bedroom home which features a deep water double lot, both lakefront, was made for entertaining or just enjoying a breathtaking sunset. At the end of a very private cul-de-sac, this Keowee Key home offers large rooms and a main floor primary bedroom. As your walk past the leaded glass door, You first notice the gleaming hardwood

    Tookie Nemchak NorthGroup Real Estate - Clems

    10 Gangway Ln, Salem, SC 29676
  • /4

    $1,700,000

    • Land
    • 5 Acres
    • $326,923 per Acre

    0 Scurry Island Rd, Chappells, SC 29037

    AN EXTRAORDINARY OPPORTUNITY ON LAKE GREENWOOD!!! 5.2 acres that has just become available on the beautiful shores of Lake Greenwood. It's not often that we come across a property this exceptional, providing both a serene retreat and endless potential. Nestled on just over 4 acres of prime lakefront land with an impressive 840 +/- feet of shoreline, this property boasts stunning long-range views

    Skipper Smith Bush River Realty, LLC

    0 Scurry Island Rd, Chappells, SC 29037
  • /31

    $939,900

    • 3 Beds
    • 3.5 Baths
    • 3,000 Sq Ft

    388 Abercrombie Point, Greenwood, SC 29649

    Now offered at $35,000 below original price—giving you the flexibility to create the custom dock that perfectly complements this exceptional lakefront property. IN ADDITION- THE LIST PRICE INCLUDES $25,000 CLUB INITIATION FEE TO GRAND HARBOR AND A LIFETIME SOCIAL MEMBERSHIP PAID IN FULL!! So you can enjoy all the social amenities for life without the monthly membership fee! Welcome to this

    Tonya Wiley Wiley Real Estate LLC

    388 Abercrombie Point, Greenwood, SC 29649
  • /43

    $279,000

    • 3 Beds
    • 3 Baths
    • 1,498 Sq Ft

    403 Ballard Ln Unit 132, Santee, SC 29142

    Imagine waking up to breathtaking waterfront views of Lake Marion, where the sun rises over the shimmering water and gentle breezes welcome a new day. This beautifully furnished first-floor condo in Ballards Pointe I offers the perfect blend of comfort, convenience, and lakefront serenity.Step inside this spacious 3-bedroom, 3-bathroom retreat, where an open layout invites you to relax and

    Brandon Ray Carolina One Real Estate

    403 Ballard Ln Unit 132, Santee, SC 29142
  • /32

    $652,900

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

    409 Serenity Cove, Mc Cormick, SC 29835

    Unwind on Your Private Cove at Savannah Lakes Village: Captivating 4-Bedroom Home Awaits Escape to paradise in this custom-built sanctuary on a quiet cul-de-sac in Savannah Lakes Village. Immerse yourself in breathtaking north-facing views of Little River on the majestic 70,000-acre Lake Thurmond. This exquisite 4,200 sq ft brick and vinyl siding masterpiece, meticulously crafted by Spratlin

    Kerry Hall Savannah Lakes Realty

    409 Serenity Cove, Mc Cormick, SC 29835
  • /4

    $54,999

    • Land
    • 1.00 Acre
    • $54,999 per Acre

    0 Harbor View Dr Unit 602101, Prosperity, SC 29127

    Corner Acre Lot in Gated Lake Murray Community! Build your dream home on this prime corner lot in a gated community with exclusive Lake Murray access! This one-acre homesite offers paved roads, a community boat ramp, courtesy dock, and dry storage for your lake toys. Enjoy the covered community pavilion with picnic tables, perfect for hosting gatherings by the water.With a minimum build

    Tray Duncan Realty One Group Redefined

    0 Harbor View Dr Unit 602101, Prosperity, SC 29127
  • /50

    $340,000

    • 2 Beds
    • 1 Bath
    • 1,600+ Sq Ft

    1010 Flymm Smith Rd, Waterloo, SC 29384

    Lake life calling your name? Check out this cozy home on an incredible lakefront lot with year-round water on Lake Greenwood with NO HOA! With a quaint and creative layout, this home would be perfect for weekend getaways or as an Airbnb. Bring your boat and easily put it in the water from the paved boat ramp and store it in the 21x22 carport when you're not enjoying days relaxing on the lake. The

    Ashley Smith EXP Realty LLC

    1010 Flymm Smith Rd, Waterloo, SC 29384
  • /11

    $10,900

    • Land
    • 0.33 Acre
    • $33,030 per Acre

    315 Kenwood Dr, Westminster, SC 29693

    Located in the desirable Edisto Village of Foxwood Hills, this ¼-acre wooded lot offers the perfect setting for your dream home. Situated just a short golf cart ride from the community boat launch and park, this property provides both privacy and convenience. The lot backs up to COR property/Lake Hartwell, offering scenic surroundings and direct access to nature.This section of Foxwood Hills

    Susan Mangubat NorthGroup Real Estate - Clemson

    315 Kenwood Dr, Westminster, SC 29693
  • /25

    $2,950,000

    • Land
    • 1.03 Acres
    • $2,864,078 per Acre

    390 Peninsula Ridge, Sunset, SC 29685

    Nestled in the prestigious Peninsula Ridge section of Old Edwards Reserve at Lake Keowee, this exceptional lakefront lot offers unparalleled beauty, and a beautiful, covered slip dock already in place. Situated on a serene, private peninsula with stunning lake views, this expansive property provides the perfect canvas for your luxurious custom build. With a gentle grade leading to the water,

    Scott Ryerson Old Edwards Reserve Real Estate Group

    390 Peninsula Ridge, Sunset, SC 29685
  • /33

    $800,000

    • 3 Beds
    • 2.5 Baths
    • 2,492 Sq Ft

    51 Jasmine Way, Bluffton, SC 29909

    Four Seasons At Carolina Oaks 55+ Experience Resort-Style living in a picturesque setting. Four Seasons at Carolina Oaks boasts a vibrant active lifestyle only 30 minutes from Hilton Head Island and 30 minutes from Savannah, GA. Enjoy lush grounds, Amenities Center, Fitness Center, Pool, Pickel Ball, Tennis, and a calendar full of activities.A brand new 236 sq ft finished Living

    Randal Longo I Save Realty

    51 Jasmine Way, Bluffton, SC 29909
  • /6

    $289,000

    • Land
    • 1.10 Acres
    • $262,727 per Acre

    0 Tbd Scott Lake Dr, Summerton, SC 29148

    Beautiful Lake Marion Waterfront lot with open water views and Sandy Beach. Sunsets from this lot are incredible. No HOA, Only county restrictions and SCPSA restrictions on Building on the lakefront apply. The Septic Permit is for a 4 BR home and in still Valid.

    Susan Stroman Premier Properties of the Carolinas

    0 Tbd Scott Lake Dr, Summerton, SC 29148
  • /48

    $365,000

    • 3 Beds
    • 2 Baths
    • 1,243 Sq Ft

    2329 Dolan Ln, Liberty Hill, SC 29175

    Welcome to your own private lakeside retreat! This stunning lakefront property offers unparalleled beauty and tranquility with sweeping water views! Whether you’re a boating enthusiast, fisherman, or simply someone who enjoys peaceful lakeside views, this home provides the ultimate in lakefront living. With your own private dock, you can easily enjoy water activities and unwind by the lake. The

    Jay Ross Keller Williams Select

    2329 Dolan Ln, Liberty Hill, SC 29175
  • /15

    $164,000

    • 2 Beds
    • 2 Baths

    1106 Northlake Dr Unit 11F, Anderson, SC 29625

    *********Seller will pay the remaining balance of the 2025 HOA regime fee. ********** Lake Life Without Sacrificing Location! Just in time for summer, this updated 2-bedroom, 2-bathroom ground-floor (NO STAIRS) condo offers lakefront living with unbeatable convenience—just minutes from I-85, downtown Anderson, Anderson University, Clemson, and Greenville.Inside, enjoy waterproof LVP flooring,

    Jacqueline Morini Adly Group Realty

    1106 Northlake Dr Unit 11F, Anderson, SC 29625
  • /11

    $12,000

    • Land
    • 0.27 Acre
    • $44,444 per Acre

    328 Beech Dr, Westminster, SC 29693

    This wooded 0.27-acre home site is located in the picturesque Foxwood Hills subdivision, within Section B. Just a short golf cart ride away from the boat launch and park, this lot offers the perfect combination of convenience and natural beauty. The community enforces a minimum home size of 650 sq ft for interior homes and 1,000 sq ft for lakefront properties, with no mobile or modular homes

    Susan Mangubat NorthGroup Real Estate - Clemson

    328 Beech Dr, Westminster, SC 29693
  • /47

    $965,000

    • 3 Beds
    • 2 Baths
    • 2,753 Sq Ft

    5580 Crepe Myrtle Rd, York, SC 29745

    Enjoy the lakefront lifestyle in this 3-bedroom, 2-bathroom home on a 1-acre lot with mature trees, a private beach, a floating dock, and no HOA! Tucked into an active neighborhood, this home offers the perfect balance of lakeside tranquility and community connection. With a finished walk-out basement, this home features two bonus rooms and a second living room, providing plenty of space for

    Sarah McCain Sanders Real Broker, LLC

    5580 Crepe Myrtle Rd, York, SC 29745
  • /24

    $30,000

    • Land
    • 0.60 Acre
    • $50,000 per Acre

    82A2 Safety Harbor D Waters Edge Ct, West Union, SC 29696

    Affordable, Lake Keowee Interior lot available in the gated community of Waters Edge, just a short walk to the  lakeside picnic area, community dock and boat ramp. This wooded lot is a perfect size at approximately 0.60 of an acre, has a moderate elevation from the main road and is located behind two other lots for sale by the same owner.  Most lakefront homes in the area require a

    Julie Johnson RE/MAX Realty Prof Lake Keowee

    82A2 Safety Harbor D Waters Edge Ct, West Union, SC 29696
  • /21

    $234,900

    • Land
    • 0.19 Acre
    • $1,236,316 per Acre

    23 Blue Trail Ct, Bluffton, SC 29910

    Build your dream home on this breathtaking lakefront lot in Hampton Lake, offering expansive water views. Located near the amenities center w/access across a charming footbridge on your street providing both convenience & tranquility. Sample home design by local architect w/ Hampton Lake experience included in the photos, offering inspiration for your future retreat. Enjoy amenities including:

    COAST PROFESSIONALS II COAST PROFESSIONALS II - Brokered by EXP Realty (901A)

    23 Blue Trail Ct, Bluffton, SC 29910
  • /6

    $30,000

    • Land
    • 1.55 Acres
    • $19,355 per Acre

    729 Eagles Harbor Dr, Hodges, SC 29653

    Create your dream home high above the scenic shores of Lake Greenwood! This stunning 1.55-acre wooded lot offers breathtaking lake views without the expense of a waterfront property. Nestled in the private, gated community of Eagles Harbor, you'll enjoy the perfect blend of serenity and natural beauty. Residents have access to a community dock and recreational area, making lake life even more

    Candace Adams Greenwood Realty Inc.

    729 Eagles Harbor Dr, Hodges, SC 29653
  • /11

    $40,000

    • Land
    • 0.45 Acre
    • $88,889 per Acre

    316 Dorion Dr, Westminster, SC 29693

    This .45-acre lakefront lot is located in the Lake Hartwell subdivision of Foxwood Hills, nestled in the charming village of Sherando. The property is situated at the end of a cul-de-sac, offering a peaceful, wooded setting. Residential homes, mobile homes, and manufactured homes are welcome in this area, with homes starting at just 650 sq. ft. or larger. Mobile homes must be no older than 3

    Susan Mangubat NorthGroup Real Estate - Clemson

    316 Dorion Dr, Westminster, SC 29693
  • /11

    $20,000

    • Land
    • 0.66 Acre
    • $30,303 per Acre

    333 E Richfield Dr, Westminster, SC 29693

    Nestled in the desirable Lake Hartwell community of Foxwood Hills, this .66-acre residential wooded lot offers a peaceful setting for your new home. Situated in the Sherando section, this lot provides flexibility, allowing for site-built homes as small as 650 sq. ft., manufactured homes, or mobile homes no older than three years.Utilities are available along the streets, making the

    Susan Mangubat NorthGroup Real Estate - Clemson

    333 E Richfield Dr, Westminster, SC 29693
  • /26

    $250,000

    • Land
    • 0.37 Acre
    • $675,676 per Acre

    1160 Carolina Ln, Leesville, SC 29070

    RARE find........unrestricted lakefront lot with approval from Dominion for private dock and private boat ramp. Deep year round water. It also is septic approved by DHEC for a 2 bedroom conventional septic system, Property lines are marked. NO H.O.A.(no Homeowners Association) Close to Dominion boat ramp. It will need a well or reverse osmosis system for water. Beautiful long views of the lake

    Tara Berry Lake Murray Properties, Inc.

    1160 Carolina Ln, Leesville, SC 29070
  • /10

    $139,000

    • Land
    • 0.37 Acre
    • $375,676 per Acre

    802 Yates Cir, Northlake, SC 29621

    BEAUTIFUL LAKEFRONT LOT WITH GORGEOUS VIEWS!! The best of both worlds with lakefront living and the convenience of IN-TOWN amenities with NO CITY TAX!! This lakefront lot is located just outside of town in the quiet older established neighborhood, Hill & Dale. Nestled near the backside of the neighborhood, this lot offers great water depth and a Corp line that will please everyone. The lot has

    Kim Phillips Adly Group Realty

    802 Yates Cir, Northlake, SC 29621
  • /13

    $187,500

    • Land
    • 0.24 Acre
    • $781,250 per Acre

    148 Polo Ct, Ninety Six, SC 29666

    This is a prime waterfront property with long-range views and an impressive 131+/- feet of shoreline in one of Greenwood's finest neighborhoods. This lot has been cleared, and is ready to build your dream home. It has a very gentle slope, with a shared boat dock, and retaining wall already in place. The community and the views are sure to impress. The Plantation is on the deepest end of Lake

    Tonya Wiley Wiley Real Estate LLC

    148 Polo Ct, Ninety Six, SC 29666

Showing Results 561 - 600, Page 15 of 18

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