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Newest Homes for Sale in Fort Smith, AR

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  • /38

    $349,900

    • 4 Beds
    • 2.5 Baths
    • 2,282 Sq Ft

    2213 S 66th St, Fort Smith, AR 72903

    Welcome to Westfall Heights! This beautiful two-story brick home sits on a desirable corner lot in one of the area's most sought-after neighborhoods. Offering 4 bedrooms and 2.5 bathrooms, this home provides plenty of space for comfortable living, entertaining, and everyday enjoyment. The functional floor plan features spacious living areas and well-appointed bedrooms, creating the perfect

    Hannah Alexander The Heritage Group Real Estate - Barling

    2213 S 66th St, Fort Smith, AR 72903
  • /18

    $210,320

    $29K PRICE DROP
    • 5 Beds
    • 3.5 Baths
    • 2,791 Sq Ft

    3216 Village Rd, Fort Smith, AR 72903

    Excellent Village Harbor opportunity! This oversized 5-bedroom foreclosure home sits on a beautiful, tree-shaded lot and is bursting with potential. Inside, you'll find a spacious layout highlighted by a striking rock fireplace, perfect for a cozy centerpiece. The property needs a lot of work and is being sold as-is, making it the perfect blank canvas for investors, flippers, or handy buyers

    McClendon Cindy River City Realty, LLC

    3216 Village Rd, Fort Smith, AR 72903
  • /25

    $376,922

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,807 Sq Ft

    9015 Birkshire Place, Fort Smith, AR 72916

    NEW CONSTRUCTION BUILT BY CARRINGTON in Chaffee Crossing. Come see this new gated community home today! Quartz countertops, gas logs fireplace, split floor plan with wood flooring in primary bedroom and a large covered patio are some of the highlights. It's all waiting for you...schedule your private showing today!

    Carrington Creek Team Sagely & Edwards Realtors

    9015 Birkshire Place, Fort Smith, AR 72916
  • /4

    $149,000

    • Land
    • 3 Acres
    • $49,667 per Acre

    Tract 4B Fulgham Estates, Greenwood, AR 72916

    Fulgham Estates is a small, private subdivision in Sebastian County offering generous 3-acre-plus homesites with room to breathe and a true sense of community. Located in the Greenwood School District with convenient access to Arkansas Highway 45, the subdivision connects you easily to both Fort Smith and the Greenwood corridor. Additional lots are available.Tract 4B offers 3.00 acres in a

    Agent Photo

    Amanda Richmond

    McGraw REALTORS

    Tract 4B Fulgham Estates, Greenwood, AR 72916
  • /25

    $139,900

    • 2 Beds
    • 1 Bath
    • 1,424 Sq Ft

    618 N 21st St, Fort Smith, AR 72901

    Classic Craftsman details and thoughtful updates come together in this two-bedroom bungalow located in Fitzgerald Addition. The primary bedroom includes an adjoining sunroom that offers flexible space for a sitting area, home office, hobby room, or indoor plants, with convenient access to the laundry area and bathroom. The kitchen is equipped with granite countertops, stainless steel appliances,

    Steven Shoppach O'Neal Real Estate- Fort Smith

    618 N 21st St, Fort Smith, AR 72901
  • /30

    $179,900

    • 3 Beds
    • 2 Baths
    • 1,646 Sq Ft

    2113 S V St, Fort Smith, AR 72901

    Conveniently located near Hillcrest and Circle Park, this well-maintained Park Hill home offers flexible living space with 3 or 4 bedrooms and 2 full bathrooms. The adaptable floor plan provides options for a home office, hobby room, guest room, or additional living space. The combination brick-and-siding exterior delivers lasting appeal, while updated laminate flooring throughout the interior

    Steven Shoppach O'Neal Real Estate- Fort Smith

    2113 S V St, Fort Smith, AR 72901
  • /19

    $124,900

    • 2 Beds
    • 1 Bath
    • 1,284 Sq Ft

    1122 S 21st St, Fort Smith, AR 72901

    Positioned on the corner of 21st Street and Dodson Avenue, this versatile C-2 zoned property presents a unique opportunity for residential or business use. The two-bedroom, one-bathroom home features original painted hardwood floors that add character and style, while updated vinyl windows provide abundant natural light throughout the interior. Outside, the fenced backyard offers additional

    Steven Shoppach O'Neal Real Estate- Fort Smith

    1122 S 21st St, Fort Smith, AR 72901
  • /3

    $149,000

    • Land
    • 3.21 Acres
    • $46,417 per Acre

    Tract 3A Fulgham Estates, Fort Smith, AR 72916

    Fulgham Estates is a small, private subdivision in Sebastian County offering generous 3-acre-plus homesites with room to breathe and a true sense of community. Located in the Greenwood School District with convenient access to Arkansas Highway 45, the subdivision connects you easily to both Fort Smith and the Greenwood corridor. Additional lots are available.Tract 3A offers 3.21 acres with

    Agent Photo

    Amanda Richmond

    McGraw REALTORS

    Tract 3A Fulgham Estates, Fort Smith, AR 72916
  • /4

    $149,000

    • Land
    • 3.06 Acres
    • $48,693 per Acre

    Tract 3B Fulgham Estates, Greenwood, AR 72916

    Fulgham Estates is a small, private subdivision in Sebastian County offering generous 3-acre-plus homesites with room to breathe and a true sense of community. Located in the Greenwood School District with convenient access to Arkansas Highway 45, the subdivision connects you easily to both Fort Smith and the Greenwood corridor. Additional lots are available.Tract 3B offers 3.06 acres in a

    Agent Photo

    Amanda Richmond

    McGraw REALTORS

    Tract 3B Fulgham Estates, Greenwood, AR 72916
  • /12

    $179,000

    $10K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 2,001 Sq Ft

    3301 S 64th St, Fort Smith, AR 72903

    3 Bed 2 Bath Brick Home on corner Lot in Established Neighborhood. This home features Central HVAC and 2 Bonus Rooms. Fire place. Privacy fenced back yard with Large Shade trees. This home is conveniently located close to Schools, Shopping, Airport, Hospitals and Dining

    Agent Photo

    Ashley Rogers

    Marsha Rogers Realty, Inc.

    3301 S 64th St, Fort Smith, AR 72903
  • /5

    $149,000

    • Land
    • 3.56 Acres
    • $41,854 per Acre

    Tract 4D Fulgham Estates, Greenwood, AR 72916

    Fulgham Estates is a small, private subdivision in Sebastian County offering generous 3-acre-plus homesites with room to breathe and a true sense of community. Located in the Greenwood School District with convenient access to Arkansas Highway 45, the subdivision connects you easily to both Fort Smith and the Greenwood corridor. Additional lots are available.Tract 4D is the largest available

    Agent Photo

    Amanda Richmond

    McGraw REALTORS

    Tract 4D Fulgham Estates, Greenwood, AR 72916
  • /51

    $379,000

    • 4 Beds
    • 2 Baths
    • 1,884 Sq Ft

    8323 Mclaren Dr, Fort Smith, AR 72916

    From the moment you arrive, the beautiful landscaping and impressive curb appeal set the tone for what's inside. Step through the front door and be greeted by soaring ceilings and an abundance of natural light. and an open concept floor plan designed with your lifestyle in mind. The heart of the home features gorgeous quartz countertops, a pantry, and a kitchen that flows seamlessly into the

    Agent Photo

    Mike and Mika Realty Group

    Keller Williams Platinum Realty

    8323 Mclaren Dr, Fort Smith, AR 72916
  • /61

    $379,900

    $18K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,400 Sq Ft

    7106 S U St, Fort Smith, AR 72903

    BACK ON THE MARKET AT NO FAULT OF SELLER OR PROPERTY. This beautifully updated 4 bedroom, 3 bath home in Eastgate offers approximately 2,400 sq ft of thoughtfully enhanced living space with extensive custom finishes throughout. The living room features a brick fireplace, cathedral beamed ceiling, recessed lighting, and a warm, inviting atmosphere. A formal dining room showcases decorative ceiling

    Bobbie Miller Bradford & Udouj Realtors

    7106 S U St, Fort Smith, AR 72903
  • /13

    $99,900

    • 2 Beds
    • 1 Bath
    • 961 Sq Ft

    3518 Macarthur Dr, Fort Smith, AR 72904

    Cute newly remodeled 2 BR, 1 BA, 961 SF home with a bonus room, all tile & luxury vinyl plank floors! House also has a garage & 2 car carport, & a chainlink fenced yard. Great starter home or perfect for a rental. Agent owned

    Tina Culley Legend Realty Inc

    3518 Macarthur Dr, Fort Smith, AR 72904
  • /38

    $415,000

    $20K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 3,122 Sq Ft

    7207 Riviera Dr, Fort Smith, AR 72903

    Has been used as Multi Family Home! Lots of space. Motivated seller! Reduced and Ready for new family to enjoy the pool and wonderful home! Great open concept for entertaining as well! Looking for an In Law suite with their own privacy this home is for you! Beautiful Open Living Dining and kitchen for your family and friends get togethers! Kitchen offers Granite countertops, custom built cabinets

    Glenda Edwards River City Realty, LLC

    7207 Riviera Dr, Fort Smith, AR 72903
  • /73

    $340,000

    $10K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 2,013 Sq Ft

    1133 E Highway 45, Fort Smith, AR 72916

    Unique Multi-Generational Living Opportunity on 1.4 Acres! Welcome to 1133 E Highway 45, Fort Smith, AR—a one-of-a-kind property offering flexibility, comfort, and income potential all in one package. With a combined 2,013 square feet of living space, this property includes a 1,440 sq. ft. main home and a 573 sq. ft. garage apartment, making it ideal for multi-generational living, guests,

    Summer Kerr Sagely & Edwards Realtors

    1133 E Highway 45, Fort Smith, AR 72916
  • /40

    $698,000

    $52K PRICE DROP
    • 5 Beds
    • 3.5 Baths
    • 4,844 Sq Ft

    1720 S Albert Pike Ave, Fort Smith, AR 72903

    Discover this one-of-a-kind European-style stone home nestled in the heart of Fort Smith, where timeless character meets modern luxury. This extraordinary residence has been COMPLETELY REMODELED from top to bottom and was proudly featured in At Home in Arkansas, highlighting its exceptional design and craftsmanship. Extensive updates, including a new HVAC system, updated electrical, fresh

    The Nick and Ell Glidewell Team Sagely & Edwards Realtors

    1720 S Albert Pike Ave, Fort Smith, AR 72903
  • /6

    $175,000

    • Land
    • 1.42 Acres
    • $123,239 per Acre

    5800 (Lot 1A) Rye Hill Rd E, Fort Smith, AR 72936

    LOCATION! LOCATION! LOCATION! Create your dream home in Riley Farms on this 1.42+/- acre (Lot 1A). Need more space? Lot 1B (MLS #1089528) offers 1.05+/- acres and can be bought together with Lot 1A. Purchase both lots for $320,000.

    Bobbie Miller Bradford & Udouj Realtors

    5800 (Lot 1A) Rye Hill Rd E, Fort Smith, AR 72936
  • /6

    $155,000

    • Land
    • 1.05 Acres
    • $147,619 per Acre

    Lot 1B Rye Hill Rd S, Greenwood, AR 72936

    LOCATION! LOCATION! LOCATION! Create your dream home in Riley Farms on this 1.05+/- acre (Lot 1B). Need more space? Lot 1A (MLS #1089527) offers 1.42+/- acres and can be bought together with Lot 1B. Purchase both lots for $320,000.

    Bobbie Miller Bradford & Udouj Realtors

    Lot 1B Rye Hill Rd S, Greenwood, AR 72936
  • /20

    $239,900

    $10K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,700 Sq Ft

    9801 Croxted Rd, Fort Smith, AR 72908

    Great family home in a desirable location! This beautiful 3-bedroom, 2-bath home features a functional split floor plan, spacious eat-in kitchen, and inviting family room with a cozy gas log fireplace. The primary suite offers privacy, while the additional bedrooms provide plenty of space for family, guests, or a home office.Outside, you'll enjoy mature trees, attractive landscaping, a fenced

    Melanie Rogers Coldwell Banker Fleming-Lau-Ft.Smith

    9801 Croxted Rd, Fort Smith, AR 72908
  • /31

    $224,999

    • 3 Beds
    • 2 Baths
    • 1,670 Sq Ft

    1300 Princeton Dr, Fort Smith, AR 72908

    The cottage feel exterior welcomes you to this neat as a pin, move-in-ready home!Foyer has a high ceiling and opens into the wide open living space with beautiful white brick fireplace. The side door opens to a covered deck and overlooks a manageable fenced yard. The kitchen is just the right size offering lots of cabinet storage, countertop bar and a breakfast nook with lots of natural

    Renee Brigance Bradford & Udouj Realtors

    1300 Princeton Dr, Fort Smith, AR 72908
  • /75

    $942,000

    $54K PRICE DROP
    • 4 Beds
    • 4 Baths
    • 4,652 Sq Ft

    3801 Webb Way, Fort Smith, AR 72916

    Experience luxury living at its finest in this extraordinary 4 bedroom, 4 bathroom estate offering 4,652 square feet of refined living space on 10 picturesque acres in the highly sought-after Greenwood School District. Complete with a 4-car garage and breathtaking views, this exceptional property seamlessly blends elegance, comfort, and privacy. Extensively updated, the home features refinished

    Gina Evans The Heritage Group Real Estate - Barling

    3801 Webb Way, Fort Smith, AR 72916
  • /34

    $499,999

    • 4 Beds
    • 3.5 Baths
    • 2,955 Sq Ft

    8106 Yorktown Rd, Fort Smith, AR 72903

    Stunningly renovated in 2024, this 4-bedroom, 3 full bath and 1 half bath home offers 2,955 square feet of beautifully curated living space with designer finishes throughout. Every detail was thoughtfully selected, creating a warm, elevated aesthetic that feels refined and inviting. The home features new solid-core LVP flooring, fresh paint, custom lighting, and elegant wallpaper accents. The

    Emily Ihde The Heritage Group Real Estate - Barling

    8106 Yorktown Rd, Fort Smith, AR 72903
  • /64

    $589,900

    • 4 Beds
    • 3 Baths
    • 2,873 Sq Ft

    7920 Rome Way, Fort Smith, AR 72916

    Custom Built French-European Home: stamped and stained concrete walkways / porches, full envelope foam insulation, walk-in closets, safe room, epoxy floors in garage, stained fence, covered back-porch, walk-out storage in attic, insulated garage, corner lot, stainless appliances, natural light, electric fireplace, 18' Garage Door, extra storage throughout.

    Darrin Smith AROK Realty, LLC

    7920 Rome Way, Fort Smith, AR 72916
  • /60

    $475,000

    $25K PRICE DROP
    • 3 Beds
    • 3.5 Baths
    • 2,583 Sq Ft

    11505 Springridge Dr, Fort Smith, AR 72916

    Beautiful & Super Clean 3 Bedroom, 3 1/2 Bath home on 1.46 acres! There are 2 primary suites, both with fireplaces. The large 3rd bedroom has it's own private bath as well. The kitchen has been totally remodeled with quartz countertops, cabinets with soft close drawers, pull-outs, under cabinet lighting and a 5 burner, double oven gas range. Both primary baths have been updated with nice walk in

    Vicki Bush Keller Williams Platinum Realty

    11505 Springridge Dr, Fort Smith, AR 72916
  • /33

    $117,500

    • 2 Beds
    • 1 Bath
    • 1,200 Sq Ft

    700 Clifton Ct, Fort Smith, AR 72903

    Clifton Court cottage with the hard work already done. Why pay rent when you can possibly own in this desirable neighborhood. Enjoy original hardwood floors paired with new interior paint, new carpet and blinds for a clean, move-in ready feel. Updated electrical giving buyers modern peace of mind in a vintage setting. Covered front porch perfect for relaxing and eat-in kitchen, bonus storage room

    Charlotte King Weichert, REALTORS® - The Griffin Company

    700 Clifton Ct, Fort Smith, AR 72903
  • /62

    $450,000

    • 4 Beds
    • 2.5 Baths
    • 2,462 Sq Ft

    5620 Country Club Ave, Fort Smith, AR 72903

    This mouthwatering Midcentury Modern masterpiece on Country Club isn’t just a home—it’s an experience you’ll want to share. Featuring 4 bedrooms and 2.5 baths, this showstopper is sure to have your friends talking from the moment they arrive. Completely rebuilt from the studs up within the last two years, no detail or expense was spared. Every inch is designed to impress, from the Forno

    Agent Photo

    Mike and Mika Realty Group

    Keller Williams Platinum Realty

    5620 Country Club Ave, Fort Smith, AR 72903
  • /30

    $199,500

    • 4 Beds
    • 2 Baths
    • 1,680 Sq Ft

    7616 Cheryl Ln, Fort Smith, AR 72908

    Charming, well-kept home in a quiet, established neighborhood. This 4-bed, 2-bath property offers a bright living area, functional kitchen, and comfortable bedroom layout. The spacious backyard with mature trees is perfect for relaxing or entertaining. Convenient single-level design with attached garage and easy access to shopping, schools, and major routes. Move-in ready and full of potential.

    Daniel Weidman Warnock Real Estate LLC

    7616 Cheryl Ln, Fort Smith, AR 72908
  • /48

    $219,900

    Open Sun 1PM - 3PM $10K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,604 Sq Ft

    4110 S P St, Fort Smith, AR 72903

    Nestled in the heart of Fort Smith, this charming 3-bedroom, 2-bath home is ready for its next owner. From the original hardwood floors and efficient kitchen to the renovated bathrooms and inviting living spaces, every detail has been designed for comfort and functionality. With updates like a newer water heater you should be headache free when moving in. Outside, you'll find a large backyard

    Eric Wilson McGraw REALTORS

    4110 S P St, Fort Smith, AR 72903
  • /55

    $799,000

    $100K PRICE DROP
    • 9 Beds
    • 11 Baths
    • 7,100 Sq Ft

    1320 S Albert Pike Ave, Fort Smith, AR 72903

    Grand colonial mansion, an income producing property, with 7,000 sq ft, 9 bedrooms and 9 bathrooms, built in 1950. Tons of charm. Previously a success Bed and Breakfast until 2021. Currently, the individual private suites are being rented (6 available, 1 coming soon, 1 for caretaker and 1 that still needs a minor update). Currently one downstairs is rented and out of the 3 unfinished units, 2 are

    Ryan Boggs Cohova Properties

    1320 S Albert Pike Ave, Fort Smith, AR 72903
  • /32

    $172,900

    $7K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 973 Sq Ft

    2618 S M St, Fort Smith, AR 72901

    Park Hill cottage with all the improvements! This Adorable 3 bedroom is move-in ready. All new stainless appliances. Generac generator, over-sized corner lot with mature trees, 8 foot vinyl privacy fence in back, 4 foot fence in front, walking distance to Ballman Elementary School. The "Yellow Umbrella" would be your neighbor! Mineral Rights do not Convey.

    Charlotte King Weichert, REALTORS® - The Griffin Company

    2618 S M St, Fort Smith, AR 72901
  • /24

    $256,000

    $4K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,871 Sq Ft

    418 S 19th St, Fort Smith, AR 72901

    Welcome to this stunning, fully renovated home offering the perfect blend of style, comfort, and functionality. From the moment you arrive, you'll be captivated by the inviting wrap-around front porch, providing the perfect space to relax and enjoy your morning coffee or unwind in the evening. The home also features a spacious back porch, ideal for entertaining, grilling, or enjoying the

    Jessica Ramos Keller Williams Platinum Realty

    418 S 19th St, Fort Smith, AR 72901
  • /66

    $665,000

    $20K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,805 Sq Ft

    9017 Breitling Ct, Fort Smith, AR 72916

    Welcome to Providence at Chaffee Crossing—where lifestyle, location, and luxury come together! Built in 2022, this beautifully designed 4-bedroom, 3-bath home offers approximately 2,805 square feet of thoughtfully crafted living space, a 3-car garage, and an unbeatable location for those who love the outdoors. Enjoy the convenience of walking or biking directly from your home to miles of scenic

    Wise Baker Real Estate Group Keller Williams Platinum Realty

    9017 Breitling Ct, Fort Smith, AR 72916
  • /48

    $380,000

    • 3 Beds
    • 2 Baths
    • 3,187 Sq Ft

    1501 S 36th St, Fort Smith, AR 72903

    Located on a desirable corner lot in a beautiful central neighborhood, this distinctive home offers space, charm, and abundant natural light throughout. The large living area flows into a sunroom, creating the perfect place to relax or entertain. A formal dining room adds space for gatherings and special occasions.The home features 3 bedrooms plus a versatile 4th bonus room ideal for a

    Marshall Yantis Warnock Real Estate LLC

    1501 S 36th St, Fort Smith, AR 72903
  • /31

    $349,000

    • 2,040 Sq Ft

    5017 S 28th St, Fort Smith, AR 72901

    Turnkey Investment Opportunity – Renovated Duplex in Prime Location! Here’s your chance to own a beautifully renovated duplex featuring 2 fully furnished units, each offering 2 bedrooms and 1 bathroom. Both units have been thoughtfully updated with newer appliances, modern finishes, and an almost-new roof, ensuring low-maintenance ownership for years to come. No Carpet!!! Currently operating as a

    Laura McLean Keller Williams Platinum Realty

    5017 S 28th St, Fort Smith, AR 72901
  • /59

    $167,000

    $8K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,725 Sq Ft

    2703 Kinkead Ave, Fort Smith, AR 72901

    Wonderful home built in the early 1900's. Upgraded plumbing, windows and new paint throughout house. Hardwood floors and tall ceilings make this home feel so inviting. Must see!

    Anita Smith Sagely & Edwards Realtors

    2703 Kinkead Ave, Fort Smith, AR 72901
  • /45

    $325,000

    $15K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,372 Sq Ft

    9600 River Ridge Rd, Fort Smith, AR 72903

    Beautifully updated 4 bedroom, 3 bath home located on a desirable corner lot in a prime Eastside location. Inside you will find wood-look tile flooring, rock fireplace, quartz countertops, and a new dishwasher. The flexible layout offers a mail level guest suite plus an upstairs primary suite with new flooring throughout upstairs. Other recent improvements include a new gas water heater and

    Mitch Sykes Warnock Real Estate LLC

    9600 River Ridge Rd, Fort Smith, AR 72903
  • /38

    $187,000

    $3K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,966 Sq Ft

    1903 N 46th Terrace, Fort Smith, AR 72904

    Come check out this very spacious 1966sqft home that boasts Four Bedrooms and Two full baths, an oversized garage, large laundry room and an eat in kitchen/breakfast area! Home also offers a large fenced in back yard with a patio. Established neighborhood very close to a lot of amenities!

    Doug and Haley Malena Team Sagely & Edwards Realtors

    1903 N 46th Terrace, Fort Smith, AR 72904
  • /8

    $420,985

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 1,985 Sq Ft

    9210 Alara Way, Fort Smith, AR 72916

    You asked, we answered! 3BR/2.5 BA, 3 car garage, walk in pantry, large open living area with lots of windows and much more! 9 ft ceilings throughout. Gas range, heat and tankless water heater. Construction about to start, call for details and make this your custom dream home!

    Becky Ivey Chuck Fawcett Realty Chaffee branch

    9210 Alara Way, Fort Smith, AR 72916
  • /7

    $397,149

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,849 Sq Ft

    7321 Jase Ln, Fort Smith, AR 72916

    Large living room w/corner fireplace separated from kitchen by island bar. Granite or quartz counter tops, under counter lighting, stainless appliances, gas range. Large secondary bedrooms. Mudroom w/lockers. Walk in tile shower & freestanding soaker tub in master ba. Sink in large laundry room. Nice, covered patio and covered front porch. Sodded yard, gutters. Rear, side entry 3 car garage is

    Becky Ivey Chuck Fawcett Realty Chaffee branch

    7321 Jase Ln, Fort Smith, AR 72916

Showing Results 281 - 320, Page 8 of 14

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