543

Antrim County MI Homes for Sale

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  • /44

    $459,900

    • 3 Beds
    • 2.5 Baths
    • 1,500 Sq Ft

    10300 Vista Ridge Dr Unit G1A, Alden, MI 49612

    This lovely stick built home has it all ... location (Alden), seclusion (4+ acres with no neighbors), sweeping views (countryside and water), and turn-key (offered fully furnished with a few exceptions). The home offers 3 bedrooms and 2.5 bathrooms, including primary bedroom with en suite, an open floor plan with high end finishes, kitchen with custom Schrock slow-close cabinets, hardwood floors

    Gary Scheitler Paradise Properties USA

    10300 Vista Ridge Dr Unit G1A, Alden, MI 49612
  • /47

    $445,000

    • 3 Beds
    • 2.5 Baths
    • 1,500 Sq Ft

    10300 Vista Ridge Dr, Alden, MI 49612

    This lovely stick built home has it all ... location (Alden), seclusion (4+ acres with no neighbors), sweeping countryside views, stunning sunsets and turn-key (offered fully furnished with a few exceptions). The home offers 3 bedrooms and 2.5 bathrooms, including primary bedroom with en suite, an open floor plan with high end finishes, kitchen with custom Schrock slow-close cabinets, hardwood

    Gary Scheitler Paradise Properties USA

    10300 Vista Ridge Dr, Alden, MI 49612
  • /13

    $6,000

    • Land
    • 0.58 Acre
    • $10,345 per Acre

    TBD Cliffmont Dr, Lakes of the North, MI 49659

    Looking for the perfect blend of privacy and luxury? Discover this exceptional lot in Lakes of the North! Nestled among towering trees, this serene property offers true seclusion—far from the noise of traffic—while providing access to outstanding amenities. As a lot owner, you’ll enjoy exclusive perks including a private golf course, a clubhouse, a refreshing swimming pool, and well-maintained

    Cherese Villareal REO-TCBellaire-233025

    TBD Cliffmont Dr, Lakes of the North, MI 49659
  • /12

    $6,000

    • Land
    • 0.49 Acre
    • $12,245 per Acre

    TBD Wilamont Cir, Lakes of the North, MI 49659

    Your perfect slice of Up-North living awaits! This exceptional parcel combines the tranquility of country life with the sought-after amenities of larger communities—minus the hustle and heavy traffic. Nestled within Wilamont Circle, this wooded lot grants exclusive access to a private golf course, a clubhouse featuring a swimming pool, restaurant, and tennis court, plus a private airport for your

    Cherese Villareal REO-TCBellaire-233025

    TBD Wilamont Cir, Lakes of the North, MI 49659
  • /15

    $19,900

    • Land
    • 0.41 Acre
    • $48,537 per Acre

    82 Bogey Run, Kearney Township, MI 49615

    This is an easy to find property on the corner of Bogey Run and Shanty Creek Road. Less than a 5 minute walk to the Lakeview Hotel, Golf ProShop and the Lakeview Coffee Shop. An ideal location for those seeking proximity to the daily action without being directly immersed in it. The property is wooded and sits back from the Summit Golf Course with some low area's to fill in and level out for a

    Deborah Alexander Alexander North Properties

    82 Bogey Run, Kearney Township, MI 49615
  • /47

    $1,295,000

    • 3 Beds
    • 2 Baths
    • 1,436 Sq Ft

    12225 SW Torch Lake Dr, Rapid City, MI 49676

    TORCH LAKE! A timeless northern Michigan home is waiting for you on the shores of Torch Lake. The crystal clear turquoise blue water of your 125’ of private frontage will be the special place for you and your family to create memories of a lifetime. As you tour this home you will discover 3 bedrooms, 2 baths; central air; fireplace; underground sprinklers; beautiful landscaping and more.

    Donald Fedrigon RE/MAX Of Elk Rapids

    12225 SW Torch Lake Dr, Rapid City, MI 49676
  • /50

    $195,000

    • 3 Beds
    • 2 Baths
    • 1,404 Sq Ft

    4049 Musser Rd, Mancelona, MI 49659

    This three bedroom 2 bath ranch style home is nestled on 10 acres of mostly hardwoods just outside of Mancelona and near the ORV and snowmobile trails. The property includes a large two-car garage, with plenty of extra space for storage and a workshop, along with two garden sheds. The home enjoys a quiet setting as it sits back about 500’ from the road with woods acting as buffer. The house

    Julia Pietrowicz Keller Williams - Northern Michigan

    4049 Musser Rd, Mancelona, MI 49659
  • /19

    $159,900

    • 3 Beds
    • 2 Baths
    • 1,568 Sq Ft

    8067 Cherry Ave, Rapid City, MI 49676

    Here's your change for an affordable fixer upper in Popular Elk Rapids School system. Just minutes from Elk Lake Access and Boat Launch. Detached 2 car size garage has a 1 car door but size is 2 car. Dated and needs work but in a great area. Large open floorplan. This is an Estate property Affidavit of Affixture is in Place and Milton Twnsp. Point of Sale well and septic inspection in Assoc. docs

    Sharon Brown Bayside Real Estate

    8067 Cherry Ave, Rapid City, MI 49676
  • /6

    $149,900

    • Land
    • 8 Acres
    • $19,960 per Acre

    B-3 Stallman Rd, Milton Township, MI 49676

    Embrace the pinnacle of Northern Michigan living with this rare 7.5-acre estate parcel, perfectly nestled between the turquoise waters of Torch Lake and the deep blue serenity of Elk Lake. Located in the sought-after Rapid City area and just minutes from the upscale charm of Elk Rapids, this property offers a once-in-a-lifetime opportunity to create a private luxury retreat in one of the region’s

    Steve Parafin Berkshire Hathaway HomeServices Real Estate

    B-3 Stallman Rd, Milton Township, MI 49676
  • /6

    $299,900

    • Land
    • 15 Acres
    • $19,993 per Acre

    B-3,B-4 Stallman Rd, Milton Township, MI 49676

    Embrace the pinnacle of Northern Michigan living with this rare 15-acre estate parcel, perfectly nestled between the turquoise waters of Torch Lake and the deep blue serenity of Elk Lake. Located in the sought-after Rapid City area and just minutes from the upscale charm of Elk Rapids, this property offers a once-in-a-lifetime opportunity to create a private luxury retreat in one of the region’s

    Steve Parafin Berkshire Hathaway HomeServices Real Estate

    B-3,B-4 Stallman Rd, Milton Township, MI 49676
  • /18

    $159,900

    • 2 Beds
    • 1.5 Baths
    • 910 Sq Ft

    8117 North St, Central Lake, MI 49622

    Adorable, totally and tastefully refurbished stick built home located and charming village of Central Lake. House screams of owners pride from top to bottom and features wraparound decking, EN suite main bedroom, modern kitchen, central air, new mechanicals, storage shed, laminated flooring and located within walking distance to restaurants, stores in beachfront Park on Intermediate lake. This

    Walt Mann REO - Bellaire

    8117 North St, Central Lake, MI 49622
  • /42

    $469,000

    • 4 Beds
    • 2.5 Baths
    • 2,010 Sq Ft

    9865 Paradise Hills Dr, Central Lake, MI 49622

    Perched on a scenic ridge with truly breathtaking 360-degree views, this home offers a front-row seat to unforgettable sunsets over both Torch Lake and Lake Michigan. Whether you're sipping coffee on the porch or relaxing in the (negotiable) hot tub, you'll never tire of the panoramic beauty surrounding you. Inside, the home features four bedrooms, including a spacious non-conforming fourth

    Kaitlyn Barry 231 Real Estate Co.

    9865 Paradise Hills Dr, Central Lake, MI 49622
  • /95

    $1,650,000

    • 4 Beds
    • 3 Baths
    • 3,117 Sq Ft

    4133 Shadynook Rd, Central Lake, MI 49622

    Follow the shores of Torch Lake into the rolling countryside, and discover a property so precious and rare that simply turning into the driveway brings a feeling that is unmatched. Just as you near the top, you get to that point where you know it's coming... THE VIEW... unparalleled, sprawling, panoramic, breathtaking views of Torch Lake & Lake Michigan command every inch of your eyesight. That

    Erika Nita Various Office Listings

    4133 Shadynook Rd, Central Lake, MI 49622
  • /12

    $225,000

    • Land
    • 15 Acres
    • $15,000 per Acre

    00 Quarterline Rd, Kewadin, MI 49648

    Absolutely gorgeous property! Small pond & stream, surrounded by mature trees-a perfect building site! Just minutes north of Elk Rapids.Must see & walk to appreciate. Great location! $225,000

    Kathy Wittbrodt WITTBRODT WATERSIDE PROPERTIES

    00 Quarterline Rd, Kewadin, MI 49648
  • /11

    $10,000

    • Land
    • 0.34 Acre
    • $29,412 per Acre

    TBD Klein Strass St Unit Lot 15, Bellaire, MI 49615

    Beautiful vacant lot located in the Schuss Mountain community of Bellaire, Michigan. Perfect for building your dream home or up-north getaway. Enjoy four-season recreation with nearby skiing, golf, hiking, and easy access to Shanty Creek Resort and Torch Lake. With utilities available, low HOA fees, and a prime location just minutes from downtown Bellaire, this is an excellent opportunity in one

    Christopher Eckerman Coldwell Banker Schmidt - Petoskey

    TBD Klein Strass St Unit Lot 15, Bellaire, MI 49615
  • /50

    $629,000

    • 4 Beds
    • 2.5 Baths
    • 2,638 Sq Ft

    11834 S Elk Lake Rd, Williamsburg, MI 49690

    Charming home with modern upgrades & timeless character! South of Elk Rapids, close to Flint Fields and Elk Lake access. Step inside this beautifully maintained home featuring 9' ceilings on both levels, elegant crown moldings, and an abundance of original woodwork that adds warmth and character throughout. The massive primary suite offers a private retreat complete with a cozy sitting area and

    Toni Morrison REO - Elk Rapids-101308

    11834 S Elk Lake Rd, Williamsburg, MI 49690
  • /10

    $28,900

    • Land
    • 1.58 Acres
    • $18,291 per Acre

    Units 162 & 163 Spyglass Hill, Bellaire, MI 49615

    Lots 162 & 163 Spyglass Hill Court in Cedar River Village at Shanty Creek Resort. 2 spacious, adjoining lots at the end of a private cul-de-sac, nestled in the heart of Cedar River Village. These expansive, wooded lots total 1.58 acres, in a subdivision of beautiful homes; just waiting for you to build your Up North getaway. Future homes to be a minimum of 1,500 square feet of finished main

    Janet Piscopo Coldwell Banker Schmidt-Bellai

    Units 162 & 163 Spyglass Hill, Bellaire, MI 49615
  • /12

    $3,200

    • Land
    • 0.48 Acre
    • $6,667 per Acre

    Lot 54 Pineview Dr, Mancelona, MI 49659

    Looking for a place to build your dream home, or up north retreat? Property offers deeded access to both Harold and Pencil Lake. Living in Lakes of The North offers easy access to Golf, exercise room, pool, and clubhouse. Close to ATV and snowmobile trails. This property is in a great location for both winter and summer activities.

    Katherine Kirby COLDWELL BANKER SCHMIDT GAYLORD

    Lot 54 Pineview Dr, Mancelona, MI 49659
  • /66

    $3,050,000

    • 5 Beds
    • 4.5 Baths
    • 4,602 Sq Ft

    9710 Cherry Ave, Rapid City, MI 49676

    ELK LAKE LIVING is waiting to welcome you home in the architecturally stunning home. You will be impressed the moment you head down the tree lined driveway to this one-of-a-kind custom home, uniquely designed to showcase lake views through the double front doors and artfully placed windows. The flagstone walkway leads you to the charming, covered porch with an arched eyebrow detail, wood plank

    Donald Fedrigon RE/MAX Of Elk Rapids

    9710 Cherry Ave, Rapid City, MI 49676
  • /66

    $995,000

    • 4 Beds
    • 3 Baths
    • 2,781 Sq Ft

    3827 Shumaker Rd, Bellaire, MI 49615

    Gorgeous handcrafted white cedar log home on over 90 acres! Main floor features open concept and soaring ceilings with log beams that highlight the beauty of nature. Custom woodwork throughout this 3 level home, including unique diamond willow staircase and loft rails. Private primary suite, with additional 3 bedrooms and 2 full bathrooms provide plenty of space to create a family retreat. Spend

    James Garrow Bayside Real Estate

    3827 Shumaker Rd, Bellaire, MI 49615
  • /12

    $19,000

    • Land
    • 0.00 Acre

    Lot #252 Sunridge Dr, Lakes of the North, MI 49730

    AFFORDABLE LAKE FRONTAGE! 122' on Deer Lake in Lakes of the North! If high property prices and taxes are keeping you from owning lakefront, welcome to your oasis! Lightly wooded, buildable lot in one of the best value associations in Gaylord! Lakes of the North members enjoy a equestrian stable, airport, golf course, restaurant, clubhouse with pool and hot tub, and so much more! Bring your plans

    David Boyden Real Estate One of Gaylord

    Lot #252 Sunridge Dr, Lakes of the North, MI 49730
  • /10

    $580,000

    • 4 Beds
    • 3 Baths
    • 3,900 Sq Ft

    4769 Brookwood Ln, Bellaire, MI 49615

    This unique 3900 sq foot resort- like residence is located on a private road and is within easy distance to golf, skiing, and downtown Bellaire. Relax and entertain family and friends on over 7 wooded acres with an in-ground heated pool with safety cover and a large patio space with a covered dining area. While being close to amenities, this peaceful home is surrounded with flora and fauna to be

    LAURIE HODACK Coldwell Banker Boyne City

    4769 Brookwood Ln, Bellaire, MI 49615
  • /18

    $1,200,000

    • Land
    • 1.48 Acres
    • $810,811 per Acre

    V/L NE Torch Lake Dr, Central Lake, MI 49622

    Discover the serene beauty of lakefront living with this prime piece of vacant land nestled on the shores of Torch Lake, known for its striking turquoise waters and breathtaking natural environment. This new listing offers a unique opportunity to build a dream waterfront retreat across a generous 100 feet of frontage. Unleash your architectural imagination to craft a residence that fully

    Bob Bailey REO-TCBellaire-233025

    V/L NE Torch Lake Dr, Central Lake, MI 49622
  • /36

    $314,900

    • 2 Beds
    • 1.5 Baths
    • 1,038 Sq Ft

    4065 Alden Hwy, Mancelona, MI 49659

    COMPLETELY RENOVATED in 2024 & move-in ready, this 2 bedroom 1.5 bath cottage enjoys just over 5 acres of land & is conveniently located within minutes of Antrim County’s famed Chain-of-lakes. With a backdrop of towering trees, the acreage offers privacy or a place to hunt. The renovation involved taking the home to the studs so practically everything is new, including the siding, Anderson

    Julia Pietrowicz Keller Williams - Northern Michigan

    4065 Alden Hwy, Mancelona, MI 49659
  • /17

    $16,900

    • Land
    • 0.32 Acre
    • $52,812 per Acre

    61 Banhof Ln, Custer Township, MI 49615

    Located in the Village of Schuss at Shanty Creek Resort with the ski easement approximately 3/10th of a mile from this location. This nicely treed parcel is already surveyed with steel posts on all 4 corners. Here you'd enjoy paved roads, municipl water, underground electric, cable, and internet. Parcel 61 would make a sweet spot for an A-frame chalet or classic up north cottage. Walk

    Deborah Alexander Alexander North Properties

    61 Banhof Ln, Custer Township, MI 49615
  • /17

    $138,500

    • 4 Beds
    • 1 Bath
    • 1,430 Sq Ft

    412 Richardi St, Bellaire, MI 49615

    Charming older home in need of some tender loving care located on large corner lot in desirable Village of Bellaire neighborhood just 1 block to Richardi park with public beach access, walking path, playground, tennis courts and more. Public schools are within walking distance as well as popular downtown with all it has to offer. Outside needs work, but doesn’t do justice to tidy and clean

    Walt Mann REO - Bellaire

    412 Richardi St, Bellaire, MI 49615
  • /21

    $105,000

    • 1 Bed
    • 1 Bath
    • 400 Sq Ft

    5712 Shanty Creek Rd, Bellaire, MI 49615

    Here is an easy opportunity to become an owner at beautiful Shanty Creek Resort! This cozy studio condo offers everything you need for a memorable stay. Windcliff Association is just steps away from the Lakeview Hotel where you can enjoy excellent dining, PGA golfing, snowboarding, tubing, and snow skiing. This unit also affords you use of the tennis court and outdoor pool at Pinebrook

    Bryan Hardy REO - Bellaire

    5712 Shanty Creek Rd, Bellaire, MI 49615
  • /16

    $850,900

    • Land
    • 0.55 Acre
    • $1,547,091 per Acre

    7884 Elk Tip Dr, Milton Township, MI 49676

    193' OF PRIVATE ELK LAKE frontage is the setting for this parcel in quiet and secluded location. This exceptional lakefront property is a unique find and located in a very desirable area on the lake. A wonderful opportunity to create the home or getaway retreat of your dreams. Imagine watching the sunset over your piece of "up north" paradise and creating memories with family and friends.

    Donald Fedrigon RE/MAX Of Elk Rapids

    7884 Elk Tip Dr, Milton Township, MI 49676
  • /12

    $15,000

    • Land
    • 0.80 Acre
    • $18,750 per Acre

    17 Wind Ridge Dr, Bellaire, MI 49615

    This property is located inside the Summit Village Association's gated community at Shanty Creek Resort. This beautifully wooded lot is the perfect place to perch your home at the top of the hill overlooking the valley areas of the property. A very short drive to the Lakeview Hotel where you'll find incredible dining, PGA golfing, snowboarding, tubing and snow skiing. This property affords you

    Bryan Hardy REO-TCBellaire-233025

    17 Wind Ridge Dr, Bellaire, MI 49615
  • /21

    $105,000

    • 1 Bed
    • 1 Bath
    • 400 Sq Ft

    5712 Shanty Creek Rd Unit 669, Bellaire, MI 49615

    Here is an easy opportunity to become an owner at beautiful Shanty Creek Resort! This cozy studio condo offers everything you need for a memorable stay. Windcliff Association is just steps away from the Lakeview Hotel where you can enjoy excellent dining, PGA golfing, snowboarding, tubing, and snow skiing. This unit also affords you use of the tennis court and outdoor pool at Pinebrook

    Bryan Hardy REO-TCBellaire-233025

    5712 Shanty Creek Rd Unit 669, Bellaire, MI 49615
  • /32

    $106,000

    • Land
    • 8 Acres
    • $13,713 per Acre

    4658 Beaver Trail, Mancelona, MI 49659

    Escape to this one-of-a-kind off-grid retreat, perfectly situated on nearly 8 acres of secluded Northern Michigan wilderness. Whether you're seeking a peaceful getaway, a base for outdoor adventures, or a permanent escape from the hustle and bustle, this property has it all. Property Highlights: Main House/Cabin: Rustic charm with hand-burned, treated pallet wood walls and durable vinyl plank

    Stephanie Koppe REO - Bellaire

    4658 Beaver Trail, Mancelona, MI 49659
  • /16

    $44,900

    • Land
    • 2.75 Acres
    • $16,327 per Acre

    Parcel B Carpenter Rd, Kearney Township, MI 49615

    Discover the perfect spot for your dream home or getaway on this newly split 2.75-acre parcel. Nestled among mature pines, the property boasts a serene, gently rolling countryside, providing both privacy and natural beauty. Located just minutes from Bellaire, this parcel offers convenient access to local amenities while maintaining a peaceful, rural atmosphere. With its prime location and

    Stephanie Koppe REO - Bellaire

    Parcel B Carpenter Rd, Kearney Township, MI 49615
  • /75

    $2,995,000

    • 4 Beds
    • 5 Baths
    • 4,422 Sq Ft

    1995 San Marino Trail, Kewadin, MI 49648

    148’ private frontage on Lake Michigan w/nearly 10 acres. This Stunning retreat with 4BD, 5BA offers the perfect blend of luxury and charm, featuring custom fireplaces crafted with hand-selected stones from the shores of Lake Michigan. The spacious gourmet kitchen is designed for entertaining, custom cabinetry, Japanese soaking tub, sauna and elegant finishes throughout. Enjoy private access to

    Kathy Wittbrodt WITTBRODT WATERSIDE PROPERTIES

    1995 San Marino Trail, Kewadin, MI 49648
  • /34

    $475,000

    • 3 Beds
    • 2 Baths
    • 1,626 Sq Ft

    13019 Elk Tip Dr, Rapid City, MI 49676

    SUNSET VIEWS OF ELK LAKE! Checkout this newly listed home featuring cathedral ceilings in the great room; dining area with plenty of natural light from the expansive windows; kitchen with plenty of cabinetry; 3 bedrooms, 2 baths; a loft suite with walk-in closet; and an attached 2-car garage. The unfinished lower level is waiting for your vision. Get ready to entertain on the large deck or

    Donald Fedrigon RE/MAX Of Elk Rapids

    13019 Elk Tip Dr, Rapid City, MI 49676
  • /31

    $419,500

    • 4 Beds
    • 2.5 Baths
    • 2,880 Sq Ft

    2515 Rushton Rd, Central Lake, MI 49622

    Spacious direct Intermediate River waterfront home located in charming Village of Central Lake. Great location with this deep manicured lot to perma dock giving you boatable access to the amazing Northern Chain of Lakes including spectacular Intermediate Lake which is only a couple hundred feet away under bridge. This home may be dated but is in solid condition and has so much to offer w/newer

    Walt Mann REO-TCBellaire-233025

    2515 Rushton Rd, Central Lake, MI 49622
  • /40

    $679,000

    • 3 Beds
    • 2.5 Baths
    • 1,640 Sq Ft

    6001 N Silver Pines Dr, Bellaire, MI 49615

    Welcome to your dream waterfront haven! Nestled in scenic Bellaire, this delightful 3-bedroom, 3-bathroom home offers a perfect blend of comfort and convenience. With 1,640 square feet of meticulously maintained living space, recently remodeled to modern standards (including brand new Anderson Windows), you'll find aesthetic pleasure and practical functionality coexisting harmoniously. Imagine

    Robert Bailey REO - Bellaire

    6001 N Silver Pines Dr, Bellaire, MI 49615
  • /9

    $8,500

    • Land
    • 0.39 Acre
    • $21,795 per Acre

    Lot 60 Val Disere Dr Unit 60, Bellaire, MI 49615

    This gently rolling lot, located within the coveted Schuss Village at Shanty Creek Resorts, offers the perfect setting for your dream home. The terrain is ideal for a walkout design, providing both privacy and scenic views. Enjoy all the amenities of this beautiful resort community, including skiing, golf, and hiking, while being just minutes from all that Shanty Creek has to offer. Whether

    Stephanie Koppe REO-TCBellaire-233025

    Lot 60 Val Disere Dr Unit 60, Bellaire, MI 49615
  • /17

    $18,500

    • Land
    • 0.02 Acre
    • $925,000 per Acre

    Unit 3 Shanty Creek Rd Unit 3, Bellaire, MI 49615

    Do you need a site for a pole barn where you can keep your toys, like your boat or snowmobiles, and off-season equipment? The Toy Boxes Condominium is conveniently located in the midst of Shanty Creek Resort, so it is perfect if you live in the resort or anywhere near Bellaire where you aren’t able to have a storage building on your property. The site will allow for construction of a 24’ x 40’

    Julia Pietrowicz Keller Williams Northern Michi

    Unit 3 Shanty Creek Rd Unit 3, Bellaire, MI 49615
  • /23

    $593,500

    • 3 Beds
    • 1 Bath
    • 1,720 Sq Ft

    8144 Cairn Hwy, Elk Rapids, MI 49629

    Elk Rapids ranch home with 3 bedrooms, 1720 finished sq ft, oversized 2 car garage, full basement, and a sunroom with Elk Lake views. Only 2 miles from Elk Rapids Schools and close to restaurants, shopping, etc. Lake Michigan parks and beaches only 5 minutes away. Large 1.42 acre lot plus extra detached garage. Great location in a quiet setting only 20 minutes from Traverse City Cherry

    Dennis Irelan Lakeside Properties Real Estate

    8144 Cairn Hwy, Elk Rapids, MI 49629
  • /9

    $6,000

    • Land
    • 0.55 Acre
    • $10,909 per Acre

    Lot 421 Northridge Dr Unit 421, Lakes of the North, MI 49659

    Discover the ideal location for your dream home or vacation getaway! This level and buildable 1/2-acre lot is nestled in the heart of the highly sought-after Lakes of the North community. Surrounded by natural beauty, this property offers the perfect blend of tranquility and adventure. Key Features: Prime Location: Situated near popular snowmobile trails, making it a haven for winter sports

    Stephanie Koppe REO-TCBellaire-233025

    Lot 421 Northridge Dr Unit 421, Lakes of the North, MI 49659

Showing Results 281 - 320, Page 8 of 14

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