Homes for Sale in Forsyth County GA with 4-Bedrooms

• 

  

  

  /7

  $849,000 New Construction

  • 4 Beds
  • 3.5 Baths
  • 3,099 Sq Ft

  6860 Heardsville Rd, Cumming, GA 30028

  Bespoke Modern Farmhouse Estate | No HOA | West Forsyth - Rendering photos of finishes in home.A rare opportunity to own a meticulously crafted modern farmhouse estate in one of West Forsyth’s most coveted locations. This new construction residence, ready for move-in April 15, 2026, is the embodiment of intentional luxury—where architectural elegance meets forward-thinking design.Soaring

  Elizabeth Jones Bolst, Inc.

  

  6860 Heardsville Rd, Cumming, GA 30028
• 

  

  

  /13

  $685,990 New Construction

  • 4 - 5 Beds
  • 3 - 4 Baths
  • 3,133+ Sq Ft

  Riverside Plan at Acacia, Cumming, GA 30028

  The Riverside, a two-story single-family home, provides a warm and inviting, open-concept layout with a kitchen that flows directly to the great room. The second floor features a flexible loft space that can easily be used as a gameroom, study, or additional family room.

  Beazer Homes Builder

  5905 Dahlonega Hwy Unit 37072393, Cumming, GA 30028
• 

  

  

  /53

  $1,485,000 Open Sun 2PM - 4PM

  • 4 Beds
  • 4 Baths
  • 3,785 Sq Ft

  3145 Rockport Dr, Cumming, GA 30041

  Additional incentives if close by 3/25/26. Great location on Lanier! South end beauty off of Buford Dam Road in a quaint cul-de-sac among multi-million dollar homes. Just a short, gentle walk on lighted path to the single slip dock (permitted for a double slip) where you can enjoy sunrises and a wide open water view on super deep water. Beautiful river rock covers the three lots on the point

  Kim Schmal Century 21 Results

  

  3145 Rockport Dr, Cumming, GA 30041
• 

  

  

  /46

  $700,000

  • 4 Beds
  • 3.5 Baths
  • 3,090 Sq Ft

  2120 Shaffer Rd, Cumming, GA 30041

  Gorgeously Appointed Brick Palace Like Home Right Next To Lake Lanier! This Four Bedroom Three And A Half Bath Home Is A Customized One-Of-A-Kind Luxury Estate! Welcome Home To A Soaring Two Story Foyer Featuring A Cloud Mural Leading To An Iron Wrought Staircase. Elegant Two Story Dining Room Decorated With Columns And Custom Wood Trim Connects With The Fireside Living Room And Kitchen Creating

  Tatyana Crumley Realco Brokers, Inc.

  

  2120 Shaffer Rd, Cumming, GA 30041
• 

  

  

  /51

  $488,990 New Construction

  • 4 Beds
  • 2.5 Baths
  • 2,696 Sq Ft

  Ingram Plan at Stratford Hills, Ball Ground, GA 30107

  The Ingram is a thoughtfully designed two-story home that brings together comfort, function, and flexibility for everyday living. On the main floor, a welcoming foyer opens to a versatile flex room, perfect for a home office, playroom, or quiet retreat. Just beyond, the island kitchen flows effortlessly into the casual gathering room, creating an open and connected space where everything from

  Taylor Morrison Builder

  8525 Stratford Oaks Ave Unit 36664705, Ball Ground, GA 30107
• 

  

  /35

  $460,000

  • 4 Beds
  • 2.5 Baths
  • 2,464 Sq Ft

  3160 Centerglen Ln, Cumming, GA 30040

  Well-maintained home with an open floor plan and extensive system upgrades. Features include a newer roof (2021) and newer HVAC systems (2023) with whole-house, computer-controlled Rheem MERV 8 / AirBuster filtration. Water heater and pressure control valve replaced approximately two years ago. Refrigerator replaced in recent years, along with updated kitchen flooring. New Garage Springs

  Mark Spain Mark Spain Real Estate

  

  3160 Centerglen Ln, Cumming, GA 30040
• 

  

  /50

  $1,420,428 Open Sat 10AM - 6PM

  • 4 Beds
  • 4.5 Baths
  • 3,619 Sq Ft

  9150 Greenway Ct, Gainesville, GA 30506

  The Chatsworth Plan built by Peachtree Residential. Quick Move-In! Welcome to your dream lake home in an exclusive 15-home community on Lake Lanier. This beautifully designed new construction offers luxury lake living with a deeded covered community dock, easily accessible by golf cart for endless days on the water. From the moment you arrive, you're greeted by a charming rocking chair front

  Tamra Wade RE/MAX Tru

  

  9150 Greenway Ct, Gainesville, GA 30506
• 

  

  /30

  $610,990 New Construction

  • 4 Beds
  • 3 Baths
  • 3,106 Sq Ft

  BELLVIEW Plan at Thalley Creek Estates, Cumming, GA 30040

  The 3,080 sq. ft. Bellview plan is a two-story home in Thalley Creek Estates, a community in Cumming, GA! It is available in 3 unique elevations: the BB, CB, & DB. Boasting 4 bedrooms and 3 bathrooms, including a spectacular primary suite there’s no question why this is one of our best-selling plans. Through the front door, a foyer will welcome guests past a flex space – ready to serve as a

  D.R. Horton Builder

  4960 Thalley Creek Dr Unit 38339159, Cumming, GA 30040
• 

  

  /40

  $635,000

  • 4 Beds
  • 3 Baths
  • 2,336 Sq Ft

  3385 Oxford Park Ln, Cumming, GA 30040

  Welcome home to this stunning residence nestled in the desirable Traditions community! This meticulously maintained 4 Bed 3 Bath home boasts ample space for living and entertaining with elegant touches throughout. As you walk into the foyer, you’ll notice the hardwood floors which compliments this open floor plan. Inside, you’ll find a spacious formal living room and an open gourmet kitchen with

  Venkat Gaddam Dream Realty Group, LLC.

  

  3385 Oxford Park Ln, Cumming, GA 30040
• 

  

  /45

  $619,900

  • 4 Beds
  • 2.5 Baths
  • 2,443 Sq Ft

  3910 Balas St, Cumming, GA 30040

  Welcome to this beautifully maintained home in Fieldstone...one of Forsyth County's most desirable communities. The open floor plan features a two story foyer, a fireside great room with built in shelving, separate dining room, living room/office, and a flexible den or playroom. The eat-in kitchen offers cherry cabinets, stainless steel appliances, including refrigerator, tile backsplash, island,

  Jennifer Dilbeck RE/MAX Town & Country

  

  3910 Balas St, Cumming, GA 30040
• 

  

  /25

  $655,000

  • 4 Beds
  • 3 Baths
  • 3,027 Sq Ft

  6515 Bentley Ridge Dr, Cumming, GA 30040

  6515 Bentley Ridge Dr boasts a kitchen that is a chef's dream with an accent backsplash and all stainless steel appliances. The living room is cozy and inviting with a fireplace that adds a touch of warmth. The primary bedroom is a true retreat, featuring a walk-in closet that provides ample storage. The primary bathroom is a sanctuary with double sinks, a separate tub, and shower for a spa-like

  Tanya Pickens Opendoor Brokerage

  

  6515 Bentley Ridge Dr, Cumming, GA 30040
• 

  

  /46

  $1,009,374 Open Sat 10AM - 6PM

  • 4 Beds
  • 4.5 Baths
  • 3,619 Sq Ft

  4510 Greyson Manor Dr, Cumming, GA 30041

  The Chatsworth Plan by Peachtree Residential. Quick Move-In! Lakeside living has never been better! The unique courtyard entry garage and charming craftsman-style exterior create exceptional curb appeal. A welcoming porch, towering double entry front doors, and a wide, open foyer greet your guests and lead into a beautifully flowing layout from the spacious great room to the breakfast area and

  Tamra Wade RE/MAX Tru

  

  4510 Greyson Manor Dr, Cumming, GA 30041
• 

  

  /61

  $659,000

  • 4 Beds
  • 3.5 Baths
  • 2,270 Sq Ft

  5902 Wills Orchard Rd, Cumming, GA 30040

  Welcome to 5902 Wills Orchard Rd, a beautifully reimagined traditional farmhouse nestled on a sprawling 1.27-acre lot in the heart of Cumming, GA. Priced below recent appraisal at listing price, this stunning property is a rare find-offering both timeless character and contemporary upgrades with no HOA restrictions. This home has been fully renovated from top to bottom, featuring new flooring

  Core Properties BHHS Georgia Properties

  

  5902 Wills Orchard Rd, Cumming, GA 30040
• 

  

  /17

  $649,990 New Construction

  • 4 - 5 Beds
  • 3 - 4 Baths
  • 3,027+ Sq Ft

  Canton II Plan at Acacia, Cumming, GA 30028

  The Canton II two-story plan offers an open-concept main floor that's perfect for gathering. The kitchen is ideal for prepping meals for your loved ones with a large island overlooking the dining & great rooms and an oversized walk-in pantry.

  Beazer Homes Builder

  5905 Dahlonega Hwy Unit 37072395, Cumming, GA 30028
• 

  

  /59

  $1,570,000 New Construction

  • 4 Beds
  • 4.5 Baths
  • 4,551 Sq Ft

  7048 Nichols Cove Dr, Dawsonville, GA 30534

  4 Bedroom / 4 1/2 Bathrooms 5.729 acres Exceptional new construction home set on a generous, private lot designed for both luxury and livability. Featuring an open-concept floor plan, refined finishes, and thoughtful attention to detail, this home has modern elegance in a peaceful setting. The oversized lot delivers privacy rarely found in new builds, creating the perfect backdrop for outdoor

  Steven Koleno Beycome Brokerage Realty LLC

  

  7048 Nichols Cove Dr, Dawsonville, GA 30534
• 

  

  /39

  $865,000 New Construction

  • 4 Beds
  • 3.5 Baths
  • 3,272 Sq Ft

  8145 Heardsville Rd, Cumming, GA 30028

  The Ansley plan by Tipton - Craftsman Style Ranch home features 4 bedrooms, 3.5 bathrooms, 3rd car garage on beautiful 1-acre lot on a private drive with NO HOA. Enter from the covered front porch to the large foyer with 10' ceilings on the main level. A flex room is perfect for a private dining room, study or your individual needs. Across the hall are two secondary bedrooms and a Jack-n- Jill

  Cindy Girardeau Hill Wood Realty

  

  8145 Heardsville Rd, Cumming, GA 30028
• 

  

  /21

  $510,555 New Construction

  • 4 Beds
  • 3 Baths
  • 2,100 Sq Ft

  5045 Paravicini Place, Cumming, GA 30041

  Cheer on your favorite team on the big screen in the second-story loft. Down the hall, the primary suite boasts dual sinks, a spacious shower, and walk-in closet. On the main floor, a guest bed and bath will make visitors feel right at home.

  Meritage Homes Builder

  5045 Paravicini Place, Cumming, GA 30041
• 

  

  /3

  $515,165 New Construction

  • 4 Beds
  • 3 Baths
  • 2,100 Sq Ft

  5145 Abdulla Dr, Cumming, GA 30041

  Brand new, energy-efficient home available NOW! Cheer on your favorite team on the big screen in the second-story loft. Down the hall, the primary suite boasts dual sinks, a spacious shower, and walk-in closet. On the main floor, a guest bed and bath will make visitors feel right at home. Located in Cumming, GA, experience the best of both worlds at Hemingway, where small-town charm meets

  Adam Corder Meritage Homes of Georgia Inc

  

  5145 Abdulla Dr, Cumming, GA 30041
• 

  

  /45

  $432,500

  • 4 Beds
  • 2.5 Baths
  • 2,476 Sq Ft

  8515 River Hill Commons Dr, Ball Ground, GA 30107

  If you've been searching for a home that truly feels done and ready to enjoy, this Ball Ground beauty is the one. With a rare 5.25% assumable VA loan through Roam, this fully remodeled 4-bedroom, 2.5-bath home sits on a spacious 0.62-acre lot and offers the perfect blend of comfort, updates, and flexibility. The heart of the home is the completely remodeled kitchen, designed for real life and

  Mark Spain Mark Spain Real Estate

  

  8515 River Hill Commons Dr, Ball Ground, GA 30107
• 

  

  /68

  $994,181 New Construction

  • 4 Beds
  • 3.5 Baths
  • 3,600 Sq Ft

  5360 Memento Trace, Cumming, GA 30040

  Discover unmatched value and lifestyle with Lot 147, featuring the spacious Ashland floor plan on a desirable basement homesite in a private cul-de-sac within the sought-after Heirloom by Empire Homes community in Cumming. This thoughtfully designed home offers approx. 3,600 sq ft of elevated living space, including a main-level owner’s suite, expansive open-concept living areas, and flexible

  Kristen Triplett Gideon EAH Brokerage, LP

  

  5360 Memento Trace, Cumming, GA 30040
• 

  

  /23

  $511,055 New Construction

  • 4 Beds
  • 3.5 Baths
  • 2,386 Sq Ft

  6050 Molo Ln, Cumming, GA 30041

  Sip your morning coffee from the second-story balcony. Inside, the kitchen boasts ample counter space and a large island. Useful flex space makes a great office or extra bedroom. In the owner's suite, dual sinks and a large closet add convenience.

  Meritage Homes Builder

  6050 Molo Ln, Cumming, GA 30041
• 

  

  /17

  $1,600,000 New Construction

  • 4 Beds
  • 3.5 Baths
  • 6,300 Sq Ft

  5005 Young Deer Dr, Cumming, GA 30041

  Expected for completion in Spring 2026 by The 74 Luxury Homes, this custom-built residence offers approximately 3,500 finished living square feet of thoughtfully designed space, with the option to expand by 2,800+ sq ft in the walk-out terrace-level basement bringing the total living area to approximately 6,300 sq ft. Nestled on a rare 0.7-acre wooded lot in Cumming, Forsyth County, this home is

  Todd Kroupa Berkshire Hathaway HomeServices Georgia Properties

  

  5005 Young Deer Dr, Cumming, GA 30041
• 

  

  /57

  $500,000

  • 4 Beds
  • 2 Baths
  • 2,307 Sq Ft

  5105 Bayberry Ct, Cumming, GA 30040

  Located in the desirable Canterbury Farms community, this updated 4-bedroom, 2-bath home offers space, style, and an exceptional location just minutes from Downtown Cumming, Sawnee Mountain hiking trails, Cumming City Center, and the dining and shopping of Vickery Village. The main level and basement feature new LVP flooring, complemented by fresh neutral paint, custom trim work, new windows

  Adam Sobel Keller Williams Rlty Consultants

  

  5105 Bayberry Ct, Cumming, GA 30040
• 

  

  /79

  $599,000

  • 4 Beds
  • 2.5 Baths
  • 2,246 Sq Ft

  4980 Hyde Ct, Cumming, GA 30040

  Fantastic Opportunity to Live in Sought After Hyde Park in West Forsyth. This Wonderful 4BR/2.5 Bath Home Has Been Renovated and has a Sparkling Swimming Pool and Private Fenced Backyard on 1 Acre! This Home Offers Lavish Landscaping and Resort Style Living with a Private Fenced Oasis Boasting a Fabulous Salt Water Pool w/Hot Tub and Flagstone Decking Surrounded by Peach, Apple, Plum, Mulberry,

  Thomas Franklin Harry Norman Realtors

  

  4980 Hyde Ct, Cumming, GA 30040
• 

  

  /32

  $603,990 New Construction

  • 4 - 5 Beds
  • 3 - 4 Baths
  • 2,580+ Sq Ft

  Stonebridge Plan at Settingdown Farms, Cumming, GA 30028

  Top-quality craftsmanship and remarkable luxuries combine to create The Stonebridge floor plan by David Weekley Homes in the Atlanta-area community of Settingdown Farms. Natural light shines on the sensational living spaces through energy-efficient windows to present a picture-perfect foundation for your personal style. The contemporary kitchen showcases ample room devoted to meal prep, dining,

  David Weekley Homes Builder

  4460 Beechnut Cir Unit 36464166, Cumming, GA 30028
• 

  

  /35

  $720,000 New Construction

  • 4 Beds
  • 3.5 Baths
  • 2,912 Sq Ft

  2775 Marie Way, Cumming, GA 30028

  Don't miss this exceptional opportunity to own a newly built home in Yellowstone Farm featuring modern finishes and an open-concept layout designed for today's lifestyle! This 4-bedroom, 3.5-bath beauty offers a spacious main-level owner's suite, thoughtfully curated interiors by the renowned Crosby Design Group, and a seamless blend of comfort and style throughout. Construction is complete and

  Dallas Blanton eXp Realty

  

  2775 Marie Way, Cumming, GA 30028
• 

  

  /12

  $769,000 New Construction

  • 4 Beds
  • 3 Baths
  • 3,133 Sq Ft

  2695 Marie Way, Cumming, GA 30028

  Don’t miss this exceptional opportunity to own a newly built Burchfield plan by SR Homes in the desirable Yellowstone Farm community! Nestled on a private cul-de-sac lot, this 4-bedroom, 3-bath beauty was designed by the renowned Crosby Design Group and showcases thoughtfully curated finishes throughout. Enjoy the convenience of a spacious main-level owner’s suite, complemented by open-concept

  Dallas Blanton EXP Realty, LLC.

  

  2695 Marie Way, Cumming, GA 30028
• 

  

  /28

  $695,000

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

  6810 Rocking Horse Ln, Cumming, GA 30040

  Looking for a stunning home in Cumming, GA? Look no further this beautifully upgraded property will not last long! Schedule your tour today to see this impressive 4 bedroom, 3 full bath home featuring a bedroom and full bathroom on the main level. The home offers numerous updates including an EV smart car plug in the garage, a brand-new roof installed in 2024, a 2025 tankless hot water heater,

  Ericka Cannida Atlanta Communities

  

  6810 Rocking Horse Ln, Cumming, GA 30040
• 

  

  /55

  $939,900

  • 4 Beds
  • 3.5 Baths
  • 3,476 Sq Ft

  6905 Blackthorn Ln, Suwanee, GA 30024

  Welcome to this gorgeous 4 bed / 3.5 bath, BRICK, MASTER ON MAIN home with sought-after LEVEL, private backyard and 3 CAR GARAGE, lovingly cared for by the ORIGINAL OWNERS in prestigious Laurel Springs! Step into the impressive TWO-STORY HARDWOOD FOYER with tray ceiling. To your right, the formal DINING ROOM features crown and picture frame molding and HARDWOOD floor - perfectly designed for

  Ryan Assad Keller Williams Realty Atlanta Partners

  

  6905 Blackthorn Ln, Suwanee, GA 30024
• 

  

  /69

  $685,000

  • 4 Beds
  • 3.5 Baths
  • 3,057 Sq Ft

  8665 Etowah Bluffs Rd, Ball Ground, GA 30107

  This striking Master on the Main home is perfectly situated on a lovely lot with a beautiful, manicured yard and perfectly level driveway. The exceptional community amenities in River Rock cater to every interest, from a stone fire pit and walking trail along the Etowah River to a large lap pool, kids' splash pad, tennis and pickleball courts, a playground and a well-appointed clubhouse for

  Bob Hartwell Keller Williams Realty Atlanta Partners

  

  8665 Etowah Bluffs Rd, Ball Ground, GA 30107
• 

  

  /35

  $540,000

  • 4 Beds
  • 3.5 Baths
  • 2,386 Sq Ft

  8125 Brewton Bend, Ball Ground, GA 30107

  Located in Forsyth County with access to top-rated Forsyth County schools, this beautifully maintained 2023-built home is nestled in the desirable River Rock community, uniquely positioned along the Etowah River and offering convenient access to Ball Ground, Canton, and surrounding North and West Forsyth destinations. From the moment you arrive, the brick-front exterior and welcoming curb appeal

  Summer Berg Keller Williams Realty Atlanta Partners

  

  8125 Brewton Bend, Ball Ground, GA 30107
• 

  

  /17

  $568,990 Open Sun 2:30PM - 4:30PM

  • 4 Beds
  • 2.5 Baths
  • 2,404 Sq Ft

  1619 Tide Mill Rd, Cumming, GA 30040

  Welcome home to Berkeley Mill, a much sought-after community in the heart of Cumming. This brand new, light-filled and airy home offers an inviting open layout designed for both everyday living and entertaining. The living room features a cozy fireplace and flows seamlessly into the upgraded kitchen, complete with quartz countertops, white cabinetry, a spacious island, ample counter space, and a

  Pankaj Das GVR Realty, LLC.

  

  1619 Tide Mill Rd, Cumming, GA 30040
• 

  

  /22

  $479,990 New Construction

  • 4 Beds
  • 3.5 Baths
  • 2,247 Sq Ft

  5960 Molo Ln, Cumming, GA 30041

  Unwind in the spacious primary suite, complete with ensuite bath and walk-in closet. The second story of this tri-level home features an open-concept living area and balcony. Downstairs, flex space and a full bath afford numerous possibilities.

  Meritage Homes Builder

  5960 Molo Ln, Cumming, GA 30041
• 

  

  /31

  $560,000

  • 4 Beds
  • 2.5 Baths
  • 3,130 Sq Ft

  4205 Idlewood Dr, Cumming, GA 30040

  Modern elegance meets exceptional value in the highly sought-after Evans Farms community! This beautifully maintained home offers the perfect blend of style, comfort, and convenience. Step inside to a chef-inspired kitchen featuring solid surface countertops, stainless steel appliances, and a large island-ideal for cooking, gathering, and entertaining. The open-concept main level boasts rich

  Mark Spain Mark Spain Real Estate

  

  4205 Idlewood Dr, Cumming, GA 30040
• 

  

  /46

  $425,000

  • 4 Beds
  • 2 Baths
  • 1,742 Sq Ft

  7030 Devon Dr, Cumming, GA 30028

  Completely Renovated and Move-In Ready in Bannister Park! Every inch of this home has been thoughtfully updated with high-quality finishes and modern design. Updates include a new architectural roof, gutters, HVAC system, water heater, energy-efficient windows, garage doors with openers, and both front and rear French doors. Inside, you'll find new paint throughout, smooth (non-stippled)

  Willis Group Real Estate Keller Williams Community Partners

  

  7030 Devon Dr, Cumming, GA 30028
• 

  

  /40

  $620,000 Open Sun 2PM - 4PM

  • 4 Beds
  • 3.5 Baths

  5190 Haven Crest Ln, Cumming, GA 30040

  Beautifully maintained home offering a versatile 4-bedroom layout with one bedroom and a full bath on the main level, perfect for guests or multigenerational living. The home features a great open floor plan filled with abundant natural light, hardwood floors, and a kitchen equipped with stainless steel appliances, double oven,granite counter tops & large island ideal for everyday living and

  Lulia Harper Keller Williams Realty North Atlanta

  

  5190 Haven Crest Ln, Cumming, GA 30040
• 

  

  /34

  $694,900

  • 4 Beds
  • 5 Baths
  • 5,866 Sq Ft

  8010 Scudder Way, Ball Ground, GA 30107

  ****Seller offering $10,000 toward upgrades or closing costs!**** Welcome to 8010 Scudder Way in Ball Ground, GA-a rare opportunity to own an exceptional home offering outstanding square footage for the price in one of North Georgia's most desirable areas. This impressive 4-sided brick home blends traditional elegance with functional design, making it ideal for buyers seeking space, quality, and

  Ashley Mooney Mountain Place Realty

  

  8010 Scudder Way, Ball Ground, GA 30107
• 

  

  /47

  $1,352,900 Open Sat 10AM - 6PM

  • 4 Beds
  • 4 Baths
  • 3,708 Sq Ft

  9135 Greenway Ct, Gainesville, GA 30506

  The Milton II Plan built by Peachtree Residential Properties. Quick Move-In! This brand new home has it all and offers a perfect blend of a beautiful new home and a place to enjoy the lake. All the homes in this 15 homesite community come with a deeded, covered, deepwater slip located at the community dock. The lake is just a quick golf cart ride away for you to enjoy your boating adventures. The

  Tamra Wade RE/MAX Tru

  

  9135 Greenway Ct, Gainesville, GA 30506
• 

  Price To Be Determined New Construction

  • 4 Beds
  • 3.5 Baths
  • 3,566 Sq Ft

  Chatsworth Plan at Richland Woods, Gainesville, GA 30506

  Peachtree Residential Builder

  0 Bethel Rd Unit 38862501, Gainesville, GA 30506
• 

  

  /23

  $504,180 New Construction

  • 4 Beds
  • 3.5 Baths
  • 2,247 Sq Ft

  6030 Molo Ln, Cumming, GA 30041

  Unwind in the spacious primary suite, complete with ensuite bath and walk-in closet. The second story of this tri-level home features an open-concept living area and balcony. Downstairs, flex space and a full bath afford numerous possibilities.

  Meritage Homes Builder

  6030 Molo Ln, Cumming, GA 30041

Showing Results 81 - 120, Page 3 of 11