601

Homes for Sale near Academy of Sacred Heart

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  • /2

    $6,000

    • Land
    • 0.09 Acre
    • $66,667 per Acre

    485 Colorado Ave, Pontiac, MI 48341

    Discover an excellent opportunity to own a spacious vacant lot in the heart of Pontiac! Located at 485 Colorado, this level parcel offers a blank canvas for your dream project—whether it's a custom home, investment property, or development venture. Situated in a convenient neighborhood with easy access to local amenities, schools, and major highways, this lot is perfect for builders, investors,

    Sage Farnworth EXP Z Real Estate

    485 Colorado Ave, Pontiac, MI 48341
  • /2

    $99,000

    • Land
    • 0.26 Acre
    • $380,769 per Acre

    3315 Donley Ave, Rochester Hills, MI 48309

    Vacant buildable lot in Rochester Hills! Close access to the highway. Desirable area!

    Loren Hotchkiss Real Estate One-Oxford

    3315 Donley Ave, Rochester Hills, MI 48309
  • /22

    $135,000

    • 1 Bed
    • 1 Bath
    • 766 Sq Ft

    723 E Fox Hills Dr Unit X186, Bloomfield Hills, MI 48304

    Batoul Abdallah RE/MAX Leading Edge

    723 E Fox Hills Dr Unit X186, Bloomfield Hills, MI 48304
  • /7

    $90,000

    • 2 Beds
    • 1 Bath
    • 642 Sq Ft

    371 Nebraska Ave, Pontiac, MI 48341

    Ashara Walker EXP Realty Main

    371 Nebraska Ave, Pontiac, MI 48341
  • /38

    $393,000

    • 2 Beds
    • 2.5 Baths
    • 2,150 Sq Ft

    1393 Raliegh Place Unit 93, Troy, MI 48084

    Orlando Avant Inua Group LLC

    1393 Raliegh Place Unit 93, Troy, MI 48084
  • /39

    $3,500,000 New Construction

    • 5 Beds
    • 4.5 Baths
    • 5,453 Sq Ft

    1715 Lone Pine Rd, Bloomfield Hills, MI 48302

    Your Opportunity Awaits in Bloomfield Hills. This is your chance to own an extraordinary new construction home in one of Bloomfield Hills’ most coveted locations. Perfectly perched on a gentle hill, this sleek and modern residence overlooks lush green lawns, mature trees, and an expansive 1+ acre setting. Designed to impress, the home features soaring 20-foot ceilings, pristine white walls, and

    Melanie Bishop KW Domain

    1715 Lone Pine Rd, Bloomfield Hills, MI 48302
  • /13

    $5,490,000 New Construction

    • 4 Beds
    • 6 Baths
    • 5,591 Sq Ft

    3515 Brookside Dr, Bloomfield Hills, MI 48302

    A showcase of modern design, this extraordinary residence was created by renowned AZD Architects and meticulously built by Johnson Custom Homes. Offering a rare blend of sophistication, comfort, and elegance, with serene Orange Lake views, this property combines inspired architecture with impeccable craftsmanship. Every space has been intentionally designed. The main level primary suite is a true

    Katherine Broock Max Broock, REALTORS®-Birmingham

    3515 Brookside Dr, Bloomfield Hills, MI 48302
  • /33

    $384,340 New Construction

    • 2 Beds
    • 2.5 Baths
    • 1,327 Sq Ft

    765 Canterbury Ln, Troy, MI 48085

    Welcome to the Village of Troy- this listing is for homesite 108 and will be completed in early 2026. Feeding into the Troy School district, the Village of Troy offers 2 bedroom townhomes, 3 bedroom townhomes, and 3 bedroom condos with private outdoor space. This listing is for a 2 bedroom townhome with over 1,300 sq ft. The first floor provides ample space for a large mud room or flex space to

    Builder Photo

    Robertson Brothers Homes

    Builder

    765 Canterbury Ln, Troy, MI 48085
  • /83

    $2,599,000 New Construction

    • 5 Beds
    • 5.5 Baths
    • 3,823 Sq Ft

    394 S Glenhurst Dr, Birmingham, MI 48009

    Welcome to your dream home! This stunning modern masterpiece is brand-new construction, just completed, this breathtaking contemporary home is nestled in one of Birmingham's most desirable neighborhoods. With meticulous craftsmanship and an eye for detail, this home is designed for both luxury and comfort. Featuring a grand open floor plan that is perfect for entertaining, the enormous great room

    Patrick Carolan Coldwell Banker Professionals Birm

    394 S Glenhurst Dr, Birmingham, MI 48009
  • /11

    $3,199,000 New Construction

    • 4 Beds
    • 6 Baths
    • 3,239 Sq Ft

    572 Stanley Blvd, Birmingham, MI 48009

    Crafted by Hunter Roberts Homes in collaboration with architect Brian Neeper, this under-construction residence embodies clean, modern proportions and timeless character just steps from downtown Birmingham. Offering 4 bedrooms, 4.2 bathrooms, and 3,239 square feet of thoughtfully composed space, the home blends design-driven form with effortless functionality. Inside, wide-plank wood flooring

    Dan Gutfreund Signature Sotheby's International Realty Bham

    572 Stanley Blvd, Birmingham, MI 48009
  • /48

    $3,850,000 New Construction

    • 5 Beds
    • 6.5 Baths
    • 4,400 Sq Ft

    329 Linden Rd, Birmingham, MI 48009

    Exquisite new construction situated on highly coveted Linden Road features unrivaled quality and craftsmanship. Designed by Xander Bogaerts and built by Sean D. Gardella & Associates, this home has over 5,400 total sq. ft of refined living space with attention to detail that can be seen throughout. The 5 bedroom/6.1 bathroom home incorporates curated living spaces that showcase extensive

    Bridget Ercolani KW Domain

    329 Linden Rd, Birmingham, MI 48009
  • /35

    $586,580 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,820 Sq Ft

    809 Cortland Ln, Troy, MI 48085

    Welcome to the Village of Troy, Troy's hottest selling neighborhood! Located at the corner of Long Lake Road and Rochester Road, this neighborhood is conveniently located near all major roads, easy highway access, food and grocery stores, and more. The Willow floor plan is over 1800 sq ft of open living space with a large eat in kitchen, 2.5 baths, 3 bedrooms, 2 car garage, and a full basement

    Builder Photo

    Robertson Brothers Homes

    Builder

    809 Cortland Ln, Troy, MI 48085
  • /14

    $2,999,999 New Construction

    • 5 Beds
    • 8 Baths
    • 9,508 Sq Ft

    1395 Northlawn Blvd, Birmingham, MI 48009

    LISTED BELOW MARKET VALUE PER SQUARE FOOT! Home requires completion. Property is priced accordingly. Discover a rare opportunity to own a custom-built residence perfectly situated along the fairways of Birmingham Country Club. With sweeping golf course views as your backdrop, this exceptional property offers the unique chance to complete your dream home in one of Birmingham’s most desirable

    Katherine Broock Max Broock, REALTORS®-Birmingham

    1395 Northlawn Blvd, Birmingham, MI 48009
  • /39

    $495,000 Open Sun 1PM - 12AM

    • 3 Beds
    • 3.5 Baths
    • 1,826 Sq Ft

    198 Jotham Ave, Auburn Hills, MI 48326

    New Construction built by Moceri ! Discover a home with elegant simplicity and timeless style designed to live with an easy maintenance free lifestyle. An open concept main floor kitchen, dining and gathering space appointed with incredible interior features. The second floor features a spacious owner's suite with large walk-in closet and balcony access. The owner's bath offers a spacious

    Suzanne Prano Moceri Real Estate LLC

    198 Jotham Ave, Auburn Hills, MI 48326
  • /2

    $1,199,900 New Construction

    • 5 Beds
    • 4.5 Baths
    • 3,100 Sq Ft

    4428 Tonawanda Ave, Royal Oak, MI 48073

    Welcome to 4428 Tonawanda in Royal Oak. This 5-bedroom, 4.1-bath home offers an open floor plan with a gourmet kitchen featuring a large island, walk-in pantry, and bar area for entertaining. A covered lanai extends the living space outdoors, while the finished basement adds a bedroom, full bath, and recreation area. The primary suite includes a coffee bar with beverage fridge, spa-like bath, and

    Harry Potash Ideal Realty & Homes

    4428 Tonawanda Ave, Royal Oak, MI 48073
  • /17

    $1,970,000 New Construction

    • 5 Beds
    • 4.5 Baths
    • 5,400 Sq Ft

    1886 Henrietta St, Birmingham, MI 48009

    Nestled in one of Birmingham's most desirable neighborhoods, this Tudor-inspired limestone residence by Sandoval Homes LLC blends timeless architecture with modern refinement. The open layout is anchored by soaring 10-foot ceilings, wide-plank French Oak floors, and walls of windows that bathe the interiors in natural light. Elegant custom millwork and refined designer lighting elevate each space

    Kimberly Sandoval Sandoval Realty

    1886 Henrietta St, Birmingham, MI 48009
  • /50

    $2,099,900 New Construction

    • 5 Beds
    • 5.5 Baths
    • 3,700 Sq Ft

    2263 Manchester Rd, Birmingham, MI 48009

    Incredible meticulously crafted new construction built by Alimoff Building & Development! This home has a 2-car front entry garage and is nestled on a deep 149’ lot in Pembroke Park, with easy access to downtown Birmingham or Somerset Mall. The interior design, quality and floor plan positions this home leagues above the competition! It has a floor plan of perfection, boasting 10’ and 9’

    James Danley KW Domain

    2263 Manchester Rd, Birmingham, MI 48009
  • /31

    $2,399,000 Open Sun 11:30AM - 12AM

    • 4 Beds
    • 4.5 Baths
    • 3,684 Sq Ft

    907 Ann St, Birmingham, MI 48009

    Experience modern luxury in this newly built home by Champion Development, offering 3,684 sq ft of thoughtfully designed space in a prime location just steps from Downtown Birmingham. This 4-bedroom, 4.1-bath residence blends open layouts with tailored finishes, offering ample space for family and guests, with each bedroom featuring its own ensuite for privacy. Wide plank white oak flooring runs

    Dan Gutfreund Signature Sotheby's International Realty Bham

    907 Ann St, Birmingham, MI 48009
  • /47

    $3,995,000 Open Sun 2PM - 12AM

    • 5 Beds
    • 7 Baths
    • 5,270 Sq Ft

    1120 Lyonhurst St, Birmingham, MI 48009

    Offering 5 bedrooms, 5.2 baths, and 5,270 sq ft above grade with an addtl 2,003 sq ft of finished lower level, this Sterling Custom Homes residence combines scale with sophistication. Positioned on a .23-acre corner lot, the exterior blends stone and siding for a presence both timeless and modern. Inside, wide-plank hardwood flows through open interiors where natural light enhances layered

    Dan Gutfreund Signature Sotheby's International Realty Bham

    1120 Lyonhurst St, Birmingham, MI 48009
  • /46

    $560,655 New Construction

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

    807 Balmoral Ln, Troy, MI 48085

    Welcome to the Village of Troy, Troy's hottest selling neighborhood! Located at the corner of Long Lake Road and Rochester Road, this neighborhood is conveniently located near all major roads, easy highway access, food and grocery stores, and more. The Willow floor plan is over 1800 sq ft of open living space with a large eat in kitchen, 2.5 baths, 3 bedrooms, 2 car garage, and a full basement

    Builder Photo

    Robertson Brothers Homes

    Builder

    807 Balmoral Ln, Troy, MI 48085
  • /47

    $561,880 New Construction

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

    811 Balmoral Ln, Troy, MI 48085

    Welcome to the Village of Troy, Troy's hottest selling neighborhood! Located at the corner of Long Lake Road and Rochester Road, this neighborhood is conveniently located near all major roads, easy highway access, food and grocery stores, and more. The Willow floor plan is over 1800 sq ft of open living space with a large eat in kitchen, 2.5 baths, 3 bedrooms, 2 car garage, and a full basement

    Builder Photo

    Robertson Brothers Homes

    Builder

    811 Balmoral Ln, Troy, MI 48085
  • /45

    $561,180 New Construction

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

    803 Balmoral Ln, Troy, MI 48085

    Welcome to the Village of Troy, Troy's hottest selling neighborhood! Located at the corner of Long Lake Road and Rochester Road, this neighborhood is conveniently located near all major roads, easy highway access, food and grocery stores, and more. The Willow floor plan is over 1800 sq ft of open living space with a large eat in kitchen, 2.5 baths, 3 bedrooms, 2 car garage, and a full basement

    Builder Photo

    Robertson Brothers Homes

    Builder

    803 Balmoral Ln, Troy, MI 48085
  • /57

    $879,900 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,500 Sq Ft

    4114 Edgeland Ave, Royal Oak, MI 48073

    Open House 12-2:00 Sunday 09/14/25. This stunning new build 4-bedroom home, designed with modern living in mind! Once inside & you'll immediately notice the spacious open floor plan, perfect for entertaining. The expansive living area seamlessly flows to a gourmet kitchen, complete with sleek countertops & a large island for casual dining or prepping meals. The large open great room features a

    Lynn Amato-Nassar Real Estate One Inc-Shelby

    4114 Edgeland Ave, Royal Oak, MI 48073
  • /35

    $529,245 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,644 Sq Ft

    822 Huntley Ln, Troy, MI 48085

    IMMEDIATE OCCUPANCY END UNIT! This is the last 3 bedroom end unit in the entire community! The first floor provides ample space for a large mud room or flex space to be used as a home office, along with a 2 car attached garage w/EV plug in charging. The second floor provides 9' ceilings, large windows, and a comfortable living room, dining room, and kitchen with two pantries. Take advantage of

    Builder Photo

    Robertson Brothers Homes

    Builder

    822 Huntley Ln, Troy, MI 48085
  • /53

    $1,895,000 New Construction

    • 5 Beds
    • 5.5 Baths
    • 3,321 Sq Ft

    1673 Hazel St, Birmingham, MI 48009

    Incredible new construction just blocks from the rail district and downtown Birmingham, built by Live Well Custom Homes! This modern showpiece is offers over 4,600 square feet of impeccably designed living space with 5 bedrooms and 5.1 baths. A floor plan of perfection and functionality, this home is flooded with natural light and crafted for entertaining and everyday ease.The heart of the

    James Danley KW Domain

    1673 Hazel St, Birmingham, MI 48009
  • /26

    $189,900 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,400 Sq Ft

    57 N Roselawn St, Pontiac, MI 48342

    Discover this beautifully crafted new construction home offering 3 bedrooms and 2.5 bathrooms across two thoughtfully designed levels. The main floor features a spacious open-concept layout that seamlessly connects the living and dining areas, creating an ideal space for both everyday living and entertaining. A modern kitchen anchors the rear of the home, complete with ample cabinet storage.

    Arban Stafa TollBrook Brokerage LLC

    57 N Roselawn St, Pontiac, MI 48342
  • /69

    $1,199,999 New Construction

    • 5 Beds
    • 5.5 Baths
    • 3,224 Sq Ft

    3532 Woodland Ave, Royal Oak, MI 48073

    Located just steps from 3 parks, the Royal Oak Golf Course and Royal Oak High School, this exceptional new construction by Ideal Builders & Remodeling offers over 3,000 sq. ft. of thoughtfully designed living space with 9’ ceilings on the first floor and basement, 8’ ceilings on the second floor, and cathedral ceilings in all bedrooms.The open-concept great room features a linear gas

    James Danley KW Domain

    3532 Woodland Ave, Royal Oak, MI 48073
  • /34

    $1,374,900 New Construction

    • 4 Beds
    • 4.5 Baths
    • 2,725 Sq Ft

    1368 Bennaville Ave, Birmingham, MI 48009

    This home is to being built, estimated completion January 2026. Photos are progress as of 8/2025. Incredible meticulously crafted new construction built by Alimoff Building & Development! This home is nestled in a prime location, with easy access to downtown Birmingham or the rail-district. The interior design, quality and floor plan positions this home leagues above the competition! It has a

    James Danley KW Domain

    1368 Bennaville Ave, Birmingham, MI 48009
  • /7

    $579,900 New Construction

    • 2 Beds
    • 2 Baths
    • 2,800 Sq Ft

    2568 Devondale Rd, Rochester Hills, MI 48309

    This amazing opportunity in Rochester Hills awaits you! Imagine living in this beautiful Barndominium that perfectly blends first-floor living with a garage large enough for all your hobbies or work needs, nestled on a half-acre lot backing up to a scenic wooded backyard.This home was a custom build for a client but the client is no longer able to complete to home due to personal reasons.

    Miles Volpe Benchmark Realty Group Inc

    2568 Devondale Rd, Rochester Hills, MI 48309
  • /26

    $189,900

    • 3 Beds
    • 2.5 Baths
    • 1,400 Sq Ft

    55 N Roselawn St, Pontiac, MI 48342

    Discover this beautifully crafted new construction home offering 3 bedrooms and 2.5 bathrooms across two thoughtfully designed levels. The main floor features a spacious open-concept layout that seamlessly connect the living and dining areas, creating an ideal space for both everyday living and entertaining. A modern kitchen anchors the rear of the home, complete with ample cabinet

    Arban Stafa TollBrook Brokerage LLC

    55 N Roselawn St, Pontiac, MI 48342
  • /62

    $1,299,000 New Construction

    • 4 Beds
    • 4.5 Baths
    • 3,300 Sq Ft

    4247 Hampton Blvd, Royal Oak, MI 48073

    JUST COMPLETED LATE AUGUST 2025 - GORGEOUS NEW CONSTRUCTION COLONIAL - PREMIUM LOCATION ALONG THE WOODWARD CORRIDOR - EXCEPTIONAL LOT WITH NEW/NEWER HOMES SURROUNDING THIS NEW HOME - BRIGHT & SUNNY OPEN FLOOR PLAN - PERFECT LAYOUT FOR ENTERTAINING - HUGE FENCED BACKYARD - WIDE PLANK WOOD FLOORS ON FIRST & SECOND FLOORS - PREMIUM ELEVATION - EXTENSIVE UPGRADES T/O - BEAUTIFUL ANDERSON WINDOWS -

    Patrick Carolan Coldwell Banker Professionals Birm

    4247 Hampton Blvd, Royal Oak, MI 48073
  • /26

    $189,900 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,400 Sq Ft

    53 N Roselawn St, Pontiac, MI 48342

    Discover this beautifully crafted new construction home offering 3 bedrooms and 2.5 bathrooms across two thoughtfully designed levels. The main floor features a spacious open-concept layout that seamlessly connects the living and dining areas, creating an ideal space for both everyday living and entertaining. A modern kitchen anchors the rear of the home, complete with ample cabinet storage.

    Arban Stafa TollBrook Brokerage LLC

    53 N Roselawn St, Pontiac, MI 48342
  • /40

    $970,000 New Construction

    • 4 Beds
    • 2.5 Baths
    • 2,900 Sq Ft

    4101 Devon Rd, Royal Oak, MI 48073

    This is the best home this builder has built and he is amazing!!! Added to that with acceptable price & terms the seller will offer a 2/1 mortgage buydown savings for the new owner. The 1st year are $977/per month and the 2nd the savings are $501/per month. Total savings approx $18k in payments! This stunning prairie-inspired colonial offers a rare opportunity to own new construction on an

    Nancy Robinson Real Broker Berkley

    4101 Devon Rd, Royal Oak, MI 48073
  • /78

    $1,199,999 New Construction

    • 4 Beds
    • 4.5 Baths
    • 3,300 Sq Ft

    3521 Chester Rd, Royal Oak, MI 48073

    JUST COMPLETED - GORGEOUS MODERN NEW CONSTRUCTION - THIS HOME FACES A BEAUTIFUL CITY PARK ACROSS THE STREET - AWESOME ROYAL OAK LOCATION - EXTRA WIDE LOT & BEAUTIFUL ELEVATION - SUNNY, BRIGHT OPEN FLOOR PLAN - PERFECT LAYOUT FOR ENTERTAINING - MASSIVE BACKYARD W/PRIVACY FENCING - ALL WIDE PLANK WOOD FLOORS ON FIRST & SECOND FLOORS - PREMIUM ELEVATION - EXTENSIVE UPGRADES T/O - ANDERSON WINDOWS -

    Patrick Carolan Coldwell Banker Professionals Birm

    3521 Chester Rd, Royal Oak, MI 48073
  • /3

    $2,060,900 New Construction

    • 4 Beds
    • 3.5 Baths
    • 4,561 Sq Ft

    5825 Lahser Rd, Bloomfield Township, MI 48301

    Welcome home to Cranbrook Custom Homes where beauty is in the details. This wooded lot with Birmingham Schools offers a variety of options for floorplans and design. This home is just one of many that can be featured on this private parcel. Minutes from Oakland Hills and a prime location in Bloomfield Hills. Design your new custom home with Cranbrook Custom Homes where you work directly with our

    Anthony Lombardo Cranbrook Custom Homes LLC

    5825 Lahser Rd, Bloomfield Township, MI 48301
  • /72

    $3,300,000 New Construction

    • 5 Beds
    • 8 Baths
    • 4,785 Sq Ft

    2330 Fairway Dr, Birmingham, MI 48009

    2330 Fairway – A Modern Architectural Gem by Diamond Building | Coming 2026Welcome to the lifestyle you’ve always envisioned—realized in one of Diamond Building’s newest architectural masterpieces. 2330 Fairway is a brilliantly executed modern residence, fully designed in collaboration with MEGANROSE Interiors, a leading interior design studio, offering a refined open-concept layout that

    Eric Bloomingdale @properties Christie's Int'l R.E. Birmingham

    2330 Fairway Dr, Birmingham, MI 48009
  • /69

    $2,599,900 New Construction

    • 5 Beds
    • 5.5 Baths
    • 3,757 Sq Ft

    345 Kimberly St, Birmingham, MI 48009

    COMPLETED & MOVE IN READY this incredible new construction designed by award-winning Jeffrey King Interiors and built by Lynch Custom Homes! This home is nestled in the heart of QUARTON LAKE ESTATES at the end of a small and private street and is walking distance to Quarton Elementary. A floor plan of perfection and symmetry beaming with natural light, this home boasts a gourmet chef’s kitchen,

    James Danley KW Domain

    345 Kimberly St, Birmingham, MI 48009
  • /14

    $374,900 New Construction

    • 2 Beds
    • 2 Baths
    • 1,260 Sq Ft

    1111 Angara Dr Unit 5, Rochester Hills, MI 48309

    **TO-BE-BUILT** Welcome to Auburn Flats! Three Oaks Communities is now proudly offering pre-construction luxury ranch style condos in Rochester Hills. 1 and 2 bedroom units available from $299,900-$374,900. These incredible units come with rare, nearly limitless upgrade options. Additional features include cathedral ceilings, open layouts, accessibility features, balcony, den and underground

    Brown Brothers Real Estate Group @properties Christie's Int'l R.E. Birmingham

    1111 Angara Dr Unit 5, Rochester Hills, MI 48309
  • /14

    $374,900 New Construction

    • 2 Beds
    • 2 Baths
    • 1,363 Sq Ft

    1111 Angara Dr Unit 6, Rochester Hills, MI 48309

    **TO-BE-BUILT** Welcome to Auburn Flats! Three Oaks Communities is now proudly offering pre-construction luxury ranch style condos in Rochester Hills. 1 and 2 bedroom units available from $299,900-$374,900. These incredible units come with rare, nearly limitless upgrade options. Additional features include cathedral ceilings, open layouts, accessibility features, balcony, den and underground

    Brown Brothers Real Estate Group @properties Christie's Int'l R.E. Birmingham

    1111 Angara Dr Unit 6, Rochester Hills, MI 48309
  • /13

    $374,900 New Construction

    • 1 Bed
    • 1.5 Baths
    • 862 Sq Ft

    1111 Angara Dr Unit 8, Rochester Hills, MI 48309

    **TO-BE-BUILT** Welcome to Auburn Flats! Three Oaks Communities is now proudly offering pre-construction luxury ranch style condos in Rochester Hills. 1 and 2 bedroom units available from $299,900-$374,900. These incredible units come with rare, nearly limitless upgrade options. Additional features include cathedral ceilings, open layouts, accessibility features, balcony, den and underground

    Brown Brothers Real Estate Group @properties Christie's Int'l R.E. Birmingham

    1111 Angara Dr Unit 8, Rochester Hills, MI 48309

Showing Results 521 - 560, Page 14 of 16

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