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Homes for Sale near Chippewa Valley

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  • /43

    $525,000

    • 4 Beds
    • 2.5 Baths
    • 3,120 Sq Ft

    42150 Margaret Dr, Clinton Township, MI 48038

    Note the lot size which is meticulously landscaped with view of woods. As you walk in this well-kept home you will be in the wide FOYER featuring a graceful WINDING STAIRCASE and dual coat closets. The open-concept kitchen with sleek QUARTZ countertops, all appliances included, and offers beautiful views of the treed lot from both the kitchen door-wall and patio while having coffee or cocktails.

    Nicholas Distefano RE/MAX First

    42150 Margaret Dr, Clinton Township, MI 48038
  • /65

    $410,000

    • 7 Beds
    • 2.5 Baths
    • 2,700 Sq Ft

    24915 Saint Paul Blvd, Harrison Township, MI 48045

    Discover a RARE opportunity with this unique property featuring two separate houses on one parcel. Perfect for investors looking to maximize rental income, families seeking multi-generational living, or buyers who want the best of both worlds—live in one home while renting out the other. This unique property that’s been meticulously maintained by the same owner for 27+ years offers 2 homes, a

    Joseph Sesi EXP Realty Main

    24915 Saint Paul Blvd, Harrison Township, MI 48045
  • /12

    $49,500

    • 3 Beds
    • 2 Baths
    • 1,344 Sq Ft

    21310 Boquet Dr, Macomb, MI 48044

    Lovely 3 bedroom, 2 full bath double-wide mobile home located in Westbridge Manor Community - amazing location near schools, grocery store and so much more. Spacious kitchen and dining space directly off of large family room and a laundry room nearby for convenience. Master bedroom suite with attached bath and closet at one end of home and the additional two bedrooms and full bathroom at other

    Julie Barney Realty Executives Home Towne Chesterfield

    21310 Boquet Dr, Macomb, MI 48044
  • /21

    $175,000

    • 2 Beds
    • 1 Bath
    • 1,169 Sq Ft

    20550 Vermander Ave, Clinton Township, MI 48035

    **OPEN HOUSE 12/13 FROM 12PM-2PM.** Welcome to this charming bungalow, perfectly set on a rare triple lot with plenty of space inside and out. The home features an updated, spacious kitchen with a large island, abundant cabinetry, and a custom architectural ceiling that adds character. The bathroom has been refreshed with modern touches, and the first-floor bedroom includes a walk-in closet—ideal

    Dylan Scott Realteam Real Estate

    20550 Vermander Ave, Clinton Township, MI 48035
  • /42

    $419,900

    • 3 Beds
    • 3 Baths
    • 2,792 Sq Ft

    50496 North Ave, Macomb, MI 48042

    [OPEN HOUSE Saturday 12/06, Sunday 12/07 from 12pm to 2pm] Step into a residence where luxury and tranquility are woven into every detail. This grand 2,792 sq ft home offers a refined lifestyle highlighted by sweeping golf-course views and thoughtful touches throughout. At its center lies a warm, elegant kitchen that naturally draws people in, flowing into a charming dining L and transitioning

    Alex Lovell Ironstone Realty

    50496 North Ave, Macomb, MI 48042
  • /19

    $25,000

    • 2 Beds
    • 2 Baths
    • 1,152 Sq Ft

    43636 Teal Cir, Clinton Township, MI 48036

    This 2-bedroom, 2-bath manufactured home in Windsor Farms offers a practical layout with vaulted ceilings and plenty of natural light throughout the main living space. The kitchen includes all major appliances, a gas stove, double sink, and ample cabinet and counter space for everyday use. Both bedrooms are well-sized, with the primary featuring an attached full bath with built-in shelving and a

    Jonathan Nathan Realty Executives Home Towne

    43636 Teal Cir, Clinton Township, MI 48036
  • 20827 Burn Dr Unit 36503923, Macomb, MI 48044

    $353,990 New Construction

    • 2 Beds
    • 2.5 Baths
    • 1,610 Sq Ft

    The Glenbury Plan at Windemere Farms, Macomb, MI 48044

    The Glenbury is a two-story duet condominium with 2 bedrooms, 2.5 bathrooms, and more than 1,600 sq. ft. of living space. The first floor showcases the nook bay window and kitchen which overlooks the great room, the primary suite, powder room, and a mudroom with family entry from the garage. The second floor features a spacious loft, work area, additional bedroom, and full bath. Looking for a new

    Lombardo Homes Builder
    20827 Burn Dr Unit 36503923, Macomb, MI 48044
  • /21

    $150,000

    • 3 Beds
    • 1 Bath
    • 960 Sq Ft

    20812 Woodward St, Clinton Township, MI 48035

    Welcome to this newly updated 3-bedroom ranch in Clinton Township! This move-in-ready home features a bright living room with large picture windows and fresh neutral paint throughout. Enjoy a spacious eat-in kitchen with plenty of cabinet space, updated flooring, and a charming bay window overlooking the front yard. All three bedrooms offer comfortable layouts with easy access to the full bath

    Michael Weinraub Vantage Realty Group, LLC

    20812 Woodward St, Clinton Township, MI 48035
  • /81

    $599,000

    • 4 Beds
    • 3 Baths
    • 3,447 Sq Ft

    39883 Duluth St, Harrison Township, MI 48045

    Remarkable Opportunity to Finish the second floor of the addition the way you want and have instant equity!!! This house sits on the Clinton River with an outstanding view. Sitting across from the Selfridge Air Force Base you will have a front seat for the Air Shows!!! Great fishing too!!! A huge lot with a circle driveway and a beautifully landscaped yard. Hard to find this size of a lot on the

    Michael Furneaux Coldwell Banker Professionals-GPF

    39883 Duluth St, Harrison Township, MI 48045
  • /3

    $175,000

    • 3 Beds
    • 1 Bath
    • 1,415 Sq Ft

    22211 Grandy St, Clinton Township, MI 48035

    Welcome to a rare half acre corner lot in Clinton Township. Home needs a lot of work or tear down and rebuild.

    Robert Thomas 3DX Real Estate, LLC

    22211 Grandy St, Clinton Township, MI 48035
  • /2

    $678,000

    • Land
    • 5.83 Acres
    • $116,295 per Acre

    15055 22 Mile Rd, Utica, MI 48315

    Buildable Land Banks,Credit Unions, similar uses permitted Senior Living, assisted living, and rezoning possible All Utilities available

    Anthony Rubino Pilot Property Group - Residential LLC

    15055 22 Mile Rd, Utica, MI 48315
  • /84

    $2,799,900

    • 5 Beds
    • 9 Baths
    • 13,149 Sq Ft

    17455 Iris Cir, Clinton Township, MI 48036

    Step into over 8,000 sq ft of handcrafted luxury, where custom woodwork and fine details define every room. A marble foyer with spiral staircase sets the tone for this exceptional home. The living room and family room feature fireplaces, while the updated chef’s kitchen shines with granite counters, island, built-ins, and a spacious walk-in pantry. Enjoy a cozy four-season room with skylights, a

    Dominic Torres Keller Williams Realty Lakeside

    17455 Iris Cir, Clinton Township, MI 48036
  • /13

    $279,900

    • 4 Beds
    • 2.5 Baths
    • 1,517 Sq Ft

    11406 Plumridge Blvd, Sterling Heights, MI 48313

    Welcome to this solid, move-in ready brick ranch! Step right into a spacious and well-maintained home featuring 4 comfortable bedrooms, a partially finished basement offering usable space for recreation or storage, and a large utility room with plenty of room to stay organized. The home offers generous storage throughout and has been lovingly cared for over the years. Enjoy outdoor living with a

    Justin Ford EXP Realty Plymouth

    11406 Plumridge Blvd, Sterling Heights, MI 48313
  • /57

    $850,000

    • 6 Beds
    • 4 Baths
    • 5,618 Sq Ft

    37418 Fiore Trail, Clinton Township, MI 48036

    Welcome to your dream home! This stunning property offers 5,618 sq ft of living space, featuring 6 spacious bedrooms and 4 full bathrooms. Located in the highly sought-after community of Villa Di Fiore Subdivision.The open-layout entry leads to a large great room and living room. Enjoy a generous kitchen, dining area, upper seating area, and a catwalk overlooking the sunken lower level.

    Sam Mansour Golden Key Realty Group LLC

    37418 Fiore Trail, Clinton Township, MI 48036
  • /44

    $614,900

    • 3 Beds
    • 2.5 Baths
    • 2,972 Sq Ft

    14257 Mandarin Dr, Shelby Township, MI 48315

    Welcome to your dream home! Situated on a corner lot, this 3 Bed/2.1 Bath Split-Level offers nearly 3,000 SF of thoughtfully designed living space and stunning curb appeal! Impressive upgrades flow seamlessly throughout this home offering a modern touch from the moment you step in. The entry level features an enclosed study and formal dining room, both featuring hardwood flooring, custom wood

    Sarah Monzo Keller Williams Realty-Great Lakes

    14257 Mandarin Dr, Shelby Township, MI 48315
  • /17

    $540,000

    • Land
    • 2.3 Acres
    • $234,783 per Acre

    00 N River A-B Rd, Harrison Township, MI 48045

    Prime waterfront location on the Clinton River. These 2 lots give you over 700' of frontage on north river rd. Great spot for development. Located close to I-94, downtown Mt. Clemens and all the restaurants and recreation of the Lake St. Clair area. Not many lots like this around.

    Bob Kean Coldwell Banker Professionals

    00 N River A-B Rd, Harrison Township, MI 48045
  • /59

    $315,000

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

    1050 Roslyn St, Mount Clemens, MI 48043

    Countless bells/whistles in this meticulous home walking distance to Olsen Park & bike ride away from George George Park.The exterior boasts 2 stamped concrete patios & walkways to rear elevation.Wide driveway w/impeccable concrete work. Fenced Backyard is treed- private w/underground sprinkler system. Step into the interior & you're greeted by the Thermatru front door, hardwood Foyer & Craftsman

    Nicole Ulewicz Vanguard Realty Group LLC

    1050 Roslyn St, Mount Clemens, MI 48043
  • /20

    $195,000 Open Sun 2PM - 4PM

    • 2 Beds
    • 1 Bath
    • 1,288 Sq Ft

    42649 Jeanette Cir Unit 78, Clinton Township, MI 48038

    Welcome to 42649 Jeanette, a move-in-ready 2-bed, 1-bath second floor condo offering modern upgrades, low-maintenance living, and a fantastic location close to everything Clinton Township has to offer. Step inside to an open, sun-filled layout featuring new ceramic flooring in the kitchen and dining room. The fully refreshed kitchen shines with custom granite countertops, a new sink, new garbage

    Kathleen Cecil Berkshire Hathaway HomeServices Kee Realty

    42649 Jeanette Cir Unit 78, Clinton Township, MI 48038
  • /20

    $169,900

    • 2 Beds
    • 1 Bath
    • 1,156 Sq Ft

    71 Boehme St, Mount Clemens, MI 48043

    Welcome home to this beautifully updated 2-bedroom, 1-bath ranch in the heart of Mt. Clemens. Freshly renovated, this home offers a warm and inviting feel with brand-new carpet and fresh paint throughout. The kitchen has been completely updated with modern finishes, creating the perfect space for cooking and entertaining, while the bathroom has been refreshed with contemporary updates for a

    Christopher Halpin RE/MAX First

    71 Boehme St, Mount Clemens, MI 48043
  • /41

    $519,999

    • 2 Beds
    • 2 Baths
    • 3,040 Sq Ft

    25651 S River Rd, Harrison Township, MI 48045

    Harrison Twp. brick ranch sitting on 1.28 acres on the RIVER!! Remodeled kitchen w/maple custom cabinets, granite counters, stove, refrigerator microwave, dishwasher & trash compactor all stay. Updated bathroom w/gorgeous ceramic tile, walk in shower & double sinks. Beautiful wood Pella bay window with built in blinds & a window seat. TWO garages!! one attached & one detached. Large room off the

    Brian Thomas Realty Executives Home Towne Chesterfield

    25651 S River Rd, Harrison Township, MI 48045
  • /24

    $254,900

    • 3 Beds
    • 2 Baths
    • 1,026 Sq Ft

    20830 Lantz St, Clinton Township, MI 48035

    Updated in 2025, Full Brick Ranch. Wonderful Open Floor Plan. This house is wonderful to live in or use as investment property. Seller will accept NACCA, Land Contract, VA, FHA, Conventional or Cash. 3 bedrooms, 2 Full Bathrooms. Don't miss the Full Bath in the basement! Brand new Frigidaire Stainless Steel: Fridge, Stove, Microwave. Hardwood floors in the living room and bedrooms. Water

    Norman Brant Howard Hanna Birmingham

    20830 Lantz St, Clinton Township, MI 48035
  • /16

    $340,000

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

    18941 Alpha Ct, Clinton Township, MI 48036

    Welcome to this stand-out, quality-built ranch on a prominent corner lot. This home features beautiful hardwood floors, a cozy brick gas fireplace, and an open kitchen with granite counter tops, along with an attached two-car garage equipped with 220power -ideal for a workshop. The home also includes newer thermal-pane windows. A bright four seasons room/family room leads to the back deck

    Brittany Randall Clyde Realty LLC

    18941 Alpha Ct, Clinton Township, MI 48036
  • /13

    $240,000

    • 4 Beds
    • 1.5 Baths
    • 1,218 Sq Ft

    22459 Katzman St, Clinton Township, MI 48035

    Recently updated brick ranch with 4 Bedrooms, 1.5 Bathrooms, living room, kitchen, 2 car attached garage and full basement. large fenced in back yard with patio area. Newer hardwood floors- Updated bathrooms- New Furnace 2024- New Gutters and downspouts 2024- Roof was replaced in 2025- Freshly painted interior 2025. This home offers beautiful natural lighting throughout the home. Gorgeous,

    Mike Diitrieski Property Marketplace

    22459 Katzman St, Clinton Township, MI 48035
  • /44

    $399,900

    • 4 Beds
    • 2.5 Baths
    • 1,989 Sq Ft

    36635 Kenneth Ct, Sterling Heights, MI 48312

    ***Buyer financing fell through!***THIS GEM IS AN ABSOULTE MUST SEE!!! Fully remolded colonial with Utica Schools. 4 Bedrooms, 2 1/2 baths, just under 2,000 Sqft. Finished basement with a basement bar and kitchen, Inground pool in a privacy fenced backyard. Located in the heart of Sterling Heights. Meticulously updated through out the home. Kitchen has all stainless steel appliances, built in

    John Maya KW Domain

    36635 Kenneth Ct, Sterling Heights, MI 48312
  • /45

    $422,500

    • 5 Beds
    • 2.5 Baths
    • 3,956 Sq Ft

    16933 Heather Ln, Clinton Township, MI 48038

    REDUCED...Welcome Home! Show & Sell this incredible 4/5 bedroom Colonial style home that has spacious rooms thru out, and has a private oversized fenced rear yard area that is an Entertainers dream backyard oasis featuring an oversized completely redone (42x26) kidney shaped gunite in ground pool (40k in improvements in 22') w/slide & diving board & 12 ft deep, & large cement patio to enjoy all

    David Rybicki Epique Inc.

    16933 Heather Ln, Clinton Township, MI 48038
  • /53

    $545,000

    • 4 Beds
    • 4 Baths
    • 4,564 Sq Ft

    46271 Glen Eagle Dr, Shelby Township, MI 48315

    Welcome to this Well Maintained Split Level Home in a Great Neighborhood! 4 Bedrooms. 2 Full Baths and 2 Half Baths. Master Suite Conveniently located on First Level Complete with Walk In Closet and Large Master Bath. 3 Additional Bedrooms Upstairs. Finished Basement featuring Kitchen and Half Bath. Sellers are even including Pool Table. Lots of Storage. Great Room with Vaulted Ceiling and Remote

    Ghada Eid Century 21 Professionals

    46271 Glen Eagle Dr, Shelby Township, MI 48315
  • /61

    $559,900 Open Sun 12PM - 2PM

    • 4 Beds
    • 2.5 Baths
    • 3,335 Sq Ft

    19573 Potomac Dr, Macomb, MI 48044

    Welcome to this impressive four-bedroom Colonial, beautifully situated on a corner lot in the highly desirable Twin River Subdivision of Macomb. Thoughtfully built by the original owner to capture an abundance of natural light, this home is filled with expansive, sun-drenched windows and timeless architectural features throughout. The dramatic two-story family room with soaring 19-foot ceilings

    Anthony Djon Anthony Djon Luxury Real Estate

    19573 Potomac Dr, Macomb, MI 48044
  • /52

    $279,975

    • 4 Beds
    • 1 Bath
    • 1,681 Sq Ft

    77 Hubbard St, Mount Clemens, MI 48043

    Celebrate the Holidays in your NEW Home! This 4 bedroom home will not disappoint offering a large first floor bedroom, a den which could serve as a fifth bedroom, a first-floor laundry, an oversized yard, garage with electric & NEW tandem doors, screened in porch and a patio. 2025 upgrades include: furnace, duct work, hot water heater, most new windows (18), flooring and fresh paint inside and

    Kellie McGraw Emerald Isle Real Estate Inc

    77 Hubbard St, Mount Clemens, MI 48043
  • /20

    $129,900

    • 3 Beds
    • 1 Bath
    • 1,000 Sq Ft

    43 Northbound Gratiot Ave, Mount Clemens, MI 48043

    Welcome home to this beautifully maintained 3 bed ranch, perfectly located near downtown! This home features maintenance free vinyl siding and a 3 dimensional roof for lasting curb appeal. Inside, you'll love the freshly painted interior and refinished hardwood floors! Also has a fully remodeled kitchen and bathroom with modern finishes. Full basement for plenty of storage and a 2 car garage.

    Brian Maliszewski RE/MAX First

    43 Northbound Gratiot Ave, Mount Clemens, MI 48043
  • /19

    $170,000

    • 3 Beds
    • 1 Bath
    • 840 Sq Ft

    20562 Vermander Ave, Clinton Township, MI 48035

    This charming corner lot residence offers the perfect blend of comfort, style, and convenience. As you step inside, you'll be greeted by a spacious family room. The fully equipped kitchen features newer appliances with countertops that provide ample workspace. The property boasts three generously sized bedrooms each adorned with beautiful hardwood floors and an updated bathroom. Step outside into

    Agron Gojcaj LawyersRealtyMI

    20562 Vermander Ave, Clinton Township, MI 48035
  • /25

    $140,000

    • 2 Beds
    • 1 Bath
    • 700 Sq Ft

    11420 Canal Rd Unit 202, Sterling Heights, MI 48314

    An exceptional opportunity to own a home in a lovely setting, with a sunny interior and all the essentials. Situated in an idyllic, tranquil community, this unit has a highly efficient layout with generously sized rooms and plenty of big windows (on three sides, being an end unit). Low association fee includes water & sewer, exterior and grounds maintenance, trash pickup, snow removal, and

    John Coski Five Star Real Estate - Troy

    11420 Canal Rd Unit 202, Sterling Heights, MI 48314
  • /22

    $697,000

    • 4 Beds
    • 2.5 Baths
    • 3,005 Sq Ft

    16917 Glenhurst Dr, Macomb, MI 48044

    LOT 189: Move in Ready! Next Generation DESIGN! Uncover the epitome of opulent living with this exclusive & highly coveted colonial masterpiece by LoChirco Homes LLC. Immerse yourself in a realm of refinement as you venture into this magnificent colonial abode, featuring an exceptional covered patio known affectionately as the "lanai." Welcome to "The Astoria," an exquisite 4-bedroom colonial

    Joseph LoChirco LoChirco Realty, LLC

    16917 Glenhurst Dr, Macomb, MI 48044
  • /43

    $439,900

    • 4 Beds
    • 2.5 Baths
    • 2,496 Sq Ft

    16136 Amore St, Clinton Township, MI 48038

    Welcome to a spacious well-maintained 4-bedrooms, 2.1-bathroom colonial, Situated on a desirable lot, this 2-story home offers modern upgrades, versatile living spaces, this move-in ready property has been thoughtfully upgraded from top to bottom, in 2022 offering peace of mind and stylish living. Kitchen featuring a beautiful new counters and Granite top, New wood flooring throughout the family

    Luna Sequiera-Mansour Capital Star Realty Inc

    16136 Amore St, Clinton Township, MI 48038
  • /22

    $112,900

    • 2 Beds
    • 1.5 Baths
    • 1,020 Sq Ft

    281 Carlson St, Mount Clemens, MI 48043

    1st Time Home buyer!! FHA or FHA 203K, Conventional financing is perfect for this 2 bedroom 1.5 bath townhome, nestled in the back of a quiet, well-kept complex with lots of potential!! Interior just needs kitchen cabinets, countertop, and backsplash, and the upper bathroom needs a vanity. Updates include freshly painted Kitchen, 1/2 bath and bedrooms. Also a newer furnace (approximately 5–6

    Jim Fennell Berkshire Hathaway HomeServices Kee Realty NB

    281 Carlson St, Mount Clemens, MI 48043
  • /37

    $825,000 New Construction

    • 4 Beds
    • 3.5 Baths
    • 3,603 Sq Ft

    22064 Chaucer Ct, Macomb, MI 48044

    New Construction & Move In ready! Welcome to your dream home-an architecturally striking brick and stone colonial! This home isn’t just a place to live—it’s a lifestyle of elegance, comfort, and everyday convenience.From the curb, the grand stone arch entryway makes a lasting impression, complemented by sleek black-trim windows, modern dual garage doors, a wide concrete drive, and a manicured

    Raymond Matti KW Domain

    22064 Chaucer Ct, Macomb, MI 48044
  • /17

    $52,900

    • 3 Beds
    • 2 Baths

    24643 S Morgan Ct Unit 129, Harrison Township, MI 48045

    Welcome to this classic home nestled in the heart of an all-age community located in Harrison Township. With an open concept floor plan, 3 bedrooms, 2 bathrooms, and 1056 sq. ft. of living space, there is plenty of room for everyone. Be in close proximity of schools, shopping, and restaurants. This charming home has been meticulously cared for and is ready for you to move in! SETTLE DOWN WITHOUT

    Brenda Onderdonk Willow Point

    24643 S Morgan Ct Unit 129, Harrison Township, MI 48045
  • /39

    $560,000

    • 4 Beds
    • 2.5 Baths
    • 4,505 Sq Ft

    19985 Pine Cone Dr, Macomb, MI 48042

    Split-level home in Macomb featuring 4 bedrooms and 2.5 bathrooms. The entry level and one upstairs bedroom showcase all-new hardwood flooring. The renovated kitchen (2021) offers granite countertops, a new island, refinished cabinets, and all new appliances, with the dishwasher replaced in July 2025. The first-floor primary suite includes a walk-in closet and a private en suite bathroom, fully

    Jacob Riberas Realteam Real Estate

    19985 Pine Cone Dr, Macomb, MI 48042
  • /50

    $178,000

    • 2 Beds
    • 1.5 Baths
    • 950 Sq Ft

    24623 Spring Ln Unit 7, Harrison Township, MI 48045

    Newly Updated Townhouse-Style Condo – Move-In Ready & Gorgeous! Don’t miss this beautifully updated townhouse-style condo that feels brand new from top to bottom! Featuring modern upgrades, stylish finishes, and a bright, open layout — this one checks all the boxes! Step inside to discover new luxury vinyl flooring on the first floor and fresh carpet on the stairs and second level. The brand new

    Mike Rozwadowski Century 21 Professionals

    24623 Spring Ln Unit 7, Harrison Township, MI 48045
  • /17

    $44,900

    • 3 Beds
    • 2 Baths

    43230 E Morgan Ct Unit 152, Harrison Township, MI 48045

    Welcome to Willow Point, a Land Leased Manufactured Home Community in Harrison Township. This 2022 home offers 3 BR, 2 BA, and 896 sq. ft. of living space. Inside, you'll find a functional layout that balances comfort and practicality, along with amenities that simplify everyday living. With its well-planned design, this home provides the space you need to enjoy daily routines with ease. Call our

    Brenda Onderdonk Willow Point

    43230 E Morgan Ct Unit 152, Harrison Township, MI 48045
  • /37

    $160,000

    • 2 Beds
    • 1.5 Baths
    • 1,408 Sq Ft

    37619 Charter Oaks Blvd Unit 222, Clinton Township, MI 48036

    Welcome to the desirable Fox Chase community! This spacious 2-bedroom condo features an open-concept layout with a large living room that flows into the dining area and kitchen. The versatile loft space can easily be converted into a 3rd bedroom with the addition of a wall. Enjoy the convenience of a half bath on the main floor, and a wide-open basement ideal for storage or finishing for extra

    Angela Goodell KW Platinum

    37619 Charter Oaks Blvd Unit 222, Clinton Township, MI 48036

Showing Results 241 - 280, Page 7 of 15

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