209

Harbert, MI Homes for Sale

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  • /27

    $39,990

    • Land
    • 16,822 Sq Ft
    • $103,547 per Acre

    545 Wittenberg Path, Saint Joseph, MI 49085

    Great opportunity for builders! This corner lot in a quiet St. Joseph neighborhood offers an excellent combination of value and location. Conveniently situated near the lakeshore, shopping, dining, and area amenities, this homesite provides a great setting for new construction. Whether you're a builder looking for your next project or planning a future home, this lot offers plenty of potential in

    Breanna May Great Lake Realty Company LLC

    545 Wittenberg Path, Saint Joseph, MI 49085
  • /46

    $308,000

    • Land
    • 22 Acres
    • $14,000 per Acre

    V/L Scottdale Rd, Berrien Springs, MI 49103

    22 Acres of Buildable Land - Vineyard, Forest, Fields & Prime Hunting! This exceptional 22-acre buildable property offers a rare blend of agricultural potential, recreational use, and stunning natural beauty — all within commuting distance of Chicago. 7 acres of mature Niagara & Concord grapevines - perfect for hobby winemaking or agri-business. 5 acres of tillable farmland - ideal for crops,

    Jennifer Wurster Coldwell Banker Realty

    V/L Scottdale Rd, Berrien Springs, MI 49103
  • /5

    $39,900

    • Land
    • 1.16 Acres
    • $34,376 per Acre

    9435 Kramer Dr Unit 4, Bridgman, MI 49106

    Discover the perfect setting to build your dream home on this beautiful 1-acre buildable lot in the desirable Dunewood Subdivision, just minutes from Lake Michigan and the charming town of Bridgman. This rolling, wooded parcel offers a peaceful, natural setting with plenty of privacy and character. Public water and sewer are available at the street, making the property ready for your future

    Cheyenne Chernugel The Shore Real Estate Group

    9435 Kramer Dr Unit 4, Bridgman, MI 49106
  • /8

    $195,000

    $10K PRICE DROP
    • Land
    • 10.03 Acres
    • $19,442 per Acre

    V/L W Lemon Creek Rd Unit 1, Baroda, MI 49101

    10 acres to build your dream home or barn dominium in Lakeshore Schools. Great location just outside the Village of Baroda and directly across the street from Hess Lake Park. The park features numerous walking trails through the woods and a paved walking/biking path. Additionally, there are playgrounds, ball fields, a kayak/small boat launch, and a fishing pier available. Tracts of land like this

    Paul Dumke Vision Real Estate Lakeshore

    V/L W Lemon Creek Rd Unit 1, Baroda, MI 49101
  • /12

    $325,000

    $25K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 1,380 Sq Ft

    8973 Gast Rd, Bridgman, MI 49106

    Well-built 3-bedroom home on 2 acres in Lake Twp. Hardwood floors. Additional 6400 SF building that was previously used as a tool & die company. With some elbow grease & imagination, this could be a dream home. Property is being sold as is. Seller will not do repairs or replacements. Seller will consider all reasonable offers.

    Connie Shearer Core Real Estate, Inc.

    8973 Gast Rd, Bridgman, MI 49106
  • /10

    $59,000

    • Land
    • 25,700 Sq Ft
    • $100,000 per Acre

    2516 Heritage Way, Stevensville, MI 49127

    The Heritage Subdivision offers large wooded lots, underground utilities, lighted fieldstone entrances and sign, public streets with sidewalks, street lights, composite decking and stairs to access walking path along Hickory Creek, 7+ acre common area with clubhouse, tennis court and play field area. Residents are able to enjoy the clubhouse which features two patios, large great room with

    Donald Kamp @properties Christie's International R.E.

    2516 Heritage Way, Stevensville, MI 49127
  • /35

    $625,000

    $10K PRICE DROP
    • 4 Beds
    • 3.5 Baths
    • 3,174 Sq Ft

    3911 Fox Crossing Dr, St. Joseph, MI 49085

    Built by renowned local builder Greg Fenner, this exceptional four-bedroom home combines quality craftsmanship, timeless design, and an unbeatable St. Joseph location. Set in one of the area's most sought-after neighborhoods, this is a home designed to be lived in and enjoyed. From the moment you step inside, you'll appreciate the 9' ceilings that create a light-filled, welcoming atmosphere

    Anne Gain @properties Christie's International R.E.

    3911 Fox Crossing Dr, St. Joseph, MI 49085
  • /26

    $225,000

    • Land
    • 23,086 Sq Ft
    • $424,528 per Acre

    7395 Lake Solis Dr, Stevensville, MI 49127

    Introducing Lake Solis: An exceptional opportunity to build your custom luxury home in one of Southwest Michigan's most distinctive new communities. This premium homesite offers private lake access and the rare chance to create a modern retreat just 90 minutes from downtown Chicago. The seller/developer serves as the exclusive builder, ensuring a thoughtfully designed home that complements the

    Justin Lucas @properties Christie's International R.E.

    7395 Lake Solis Dr, Stevensville, MI 49127
  • /36

    $285,000

    $15K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,550 Sq Ft

    1765 Hacienda Dr, Stevensville, MI 49127

    PRICED TO SELL in desirable Lakeshore Schools! Welcome to this charming, solid brick ranch located in the highly sought-after, family-friendly Hacienda neighborhood. Featuring 4 spacious bedrooms, 2.5 bathrooms, and single-level convenience, this home is designed for effortless living. Enjoy warm evenings gathered around either of the 2 main-floor fireplaces, or step outside into your private

    Jake Pschigoda The Shore Real Estate Group

    1765 Hacienda Dr, Stevensville, MI 49127
  • /52

    $1,119,000

    $130K PRICE DROP
    • 4 Beds
    • 3.5 Baths
    • 5,075 Sq Ft

    2666 Heritage Way, Stevensville, MI 49127

    Welcome to The Heritage, a premier subdivision within Lincoln Township and Lakeshore Schools. This one owner, custom luxury ranch was built by Norm Zielke, a quality local residential builder and contractor. This superior, high quality spacious residence features 4 bedrooms, 3-1/2 baths, gas log fireplace, kitchen with custom pull out cabinets, surround sound within the main floor Great Room,

    Donald Kamp @properties Christie's International R.E.

    2666 Heritage Way, Stevensville, MI 49127
  • /37

    $399,000

    $41K PRICE DROP
    • 3 Beds
    • 3.5 Baths
    • 2,469 Sq Ft

    5537 Dennis St, Stevensville, MI 49127

    Beautiful 2,469 sq ft brick ranch in a desirable Stevensville subdivision, minutes from Lake Michigan, Warren Dunes St Park & downtown St. Joseph-shopping & restaurants. This well-built home offers comfortable main-floor living with a tiled kitchen, family room w/fireplace, carpeted formal living & dining rooms, 3 bedrooms, & 2 tiled full baths, half bath. Additional full bath in the basement.

    Ingrid Wadel LIGHTHOUSE REALTY-Ludington

    5537 Dennis St, Stevensville, MI 49127
  • /19

    $430,000

    $30K PRICE DROP
    • Land
    • 23.17 Acres
    • $18,558 per Acre

    0 Gray Rd Unit Parcel C, Baroda Township, MI 49101

    Truely a wonderful retreat with a peaceful feeling is what you will experience on this 23.17 Acre property with rolling hills. Located in Lakeshore School District, this Baroda Twp property was split in the Fall of 2025 from a parent parcel and is being offered as a 23.17 Acre parcel. Perfect spot for the home you have been dreaming of building! Enjoy local wineries, breweries, parks and so much

    Shelle Dragomer @properties Christie's International R.E.

    0 Gray Rd Unit Parcel C, Baroda Township, MI 49101
  • /9

    $211,000

    • Land
    • 21.5 Acres
    • $9,814 per Acre

    1129 Marrs Rd, Baroda, MI 49101

    Discover over 21 rolling acres of breathtaking countryside on scenic Marrs Rd--an ideal canvas for your dream home! The property currently features a unique hops crop, but once cleared, it will give you the freedom to bring your vision to life. Includes a small pond. A true opportunity to create your own sanctuary from the ground up.

    Jerry Olson Cressy & Everett R.E. of Harbor Country

    1129 Marrs Rd, Baroda, MI 49101
  • /37

    $510,000

    $17K PRICE DROP
    • 5 Beds
    • 2.5 Baths
    • 3,376 Sq Ft

    2053 Joni Ln, Stevensville, MI 49127

    Move-in ready and extensively updated throughout. The main level features newer appliances, carpet, and tile, plus a spacious kitchen with under-cabinet LED lighting that's ideal for entertaining. Enjoy main-floor laundry and a finished basement offering flexible space for a fifth bedroom or home office. Upstairs, you'll find four large bedrooms, including an oversized primary suite with a full

    Maria Pendley Keller Williams Realty Group

    2053 Joni Ln, Stevensville, MI 49127
  • /53

    $425,000

    $25K PRICE DROP
    • 5 Beds
    • 3.5 Baths
    • 4,279 Sq Ft

    4334 Laurel Dr, Saint Joseph, MI 49085

    One-owner custom-built ranch with a walkout lower level, perfectly positioned on one of the premier ravine lots in the highly desirable Hidden Acres subdivision. Overlooking a beautiful wooded ravine with a creek below, this exceptional home offers a rare combination of privacy, quality craftsmanship, and timeless design. The sprawling floor plan features 5 bedrooms, 3.5 baths, two kitchens, two

    Ryan Arnt Keller Williams Realty Swm

    4334 Laurel Dr, Saint Joseph, MI 49085
  • /9

    $90,000

    $20K PRICE DROP
    • Land
    • 16,291 Sq Ft
    • $240,642 per Acre

    1950 N Donna Dr, Stevensville, MI 49127

    Build your dream home in one of Stevensville's established and desirable neighborhoods. This vacant lot offers a great location close to schools, the library, shopping, and everyday conveniences. Looking for more space or extra privacy? Two additional adjoining parcels are also available, giving you the opportunity to purchase all three and create a larger homesite.

    Benjamin Stephen Cressy & Everett Real Estate

    1950 N Donna Dr, Stevensville, MI 49127
  • /2

    $305,000

    $40K PRICE DROP
    • Land
    • 1.24 Acres
    • $245,968 per Acre

    0 W Marquette Woods Rd, Stevensville, MI 49127

    One of the best I-94, Exit 23 Stevensville, MI sites available in Berrien County. Exit 23 off of I-94 offers interchange ramps westbound to Chicago and eastbound to Detroit. This parcel is 1.24 acers with 331.48 feet of road frontage on W. Marquette Woods Road, zoned highway commercial within Lincoln Township. Other major franchises and businesses located at this exit include Tractor Supply,

    Donald Kamp @properties Christie's International R.E.

    0 W Marquette Woods Rd, Stevensville, MI 49127
  • /15

    $365,000

    • 3 Beds
    • 2 Baths
    • 1,588 Sq Ft

    1553 Kipling Ct, Saint Joseph, MI 49085

    Charming and updated brick ranch in Lakeshore Schools. Primary suite, 2nd living area, open flow kitchen/living/dining. Newer flooring throughout. 2 car garage, back patio for your enjoyment. Quiet neighborhood close to shopping, dining and highway access.

    Dayna Black Kozminski @properties Christie's International R.E.

    1553 Kipling Ct, Saint Joseph, MI 49085
  • /146

    $1,875,000

    $925K PRICE DROP
    • 5 Beds
    • 5.5 Baths
    • 6,340 Sq Ft

    6130 Eidson Rd, Saint Joseph, MI 49085

    This country estate was developed by a well known Southwestern Michigan self-made industrialist, who along with his wife, were very generous philanthropists in the area. The 4,796 SF two story, 5 bedroom, 5-1/2 bath residence offers a prestigious presence, quiet elegance and 26.83 acres nestled in privacy. Additional key features include a kidney-shaped inground pool, cabana with bath and bar,

    Donald Kamp @properties Christie's International R.E.

    6130 Eidson Rd, Saint Joseph, MI 49085
  • /4

    $225,000

    • Land
    • 10 Acres
    • $22,500 per Acre

    1876 W Rockey Weed Rd, Stevensville, MI 49127

    Peaceful 10-acre parcel waiting for you. Enjoy the perfect balance of privacy and convenience while being a short drive to downtown Stevensville and all the beauty of Southwest Michigan. This beautiful property features open grassy areas, planted trees, and a wooded section—an ideal setting for your dream home. Survey and previous soil analysis have been completed, making it ready for your

    Benjamin Stephen Cressy & Everett Real Estate

    1876 W Rockey Weed Rd, Stevensville, MI 49127
  • /21

    $314,900

    • 6 Beds
    • 2 Baths
    • 2,770 Sq Ft

    5105 Wayside Path, Stevensville, MI 49127

    You don't want to miss this charming Stevensville home! Spacious and tucked away on a generous lot, this property offers multiple bedrooms, two bathrooms, and a two-car garage. There is plenty of room to spread out, along with lots of potential for improvements to make the home your own. A great opportunity for someone looking for space and privacy!

    Alicia Woods The Shore Real Estate Group

    5105 Wayside Path, Stevensville, MI 49127
  • /25

    $399,900

    Open Sat 12PM - 3PM Coming Soon
    • 3 Beds
    • 4 Baths
    • 2,025 Sq Ft

    9770 Concord Row, Bridgman, MI 49106

    OPEN HOUSE!!! Saturday (9/5/26) from 12:00 PM to 3:00 PM This 3-bedroom, 4-bathroom residence in Stelter Farms offers 2,025 square feet of finished living space on a quarter-acre lot. The single-family home features a 2-car garage and provides solid fundamentals for an owner-occupied investment. Located in Bridgman, this property combines practical layout with straightforward appeal for buyers

    Cedric Wicks Epique Realty

    9770 Concord Row, Bridgman, MI 49106
  • /41

    $425,000

    • 3 Beds
    • 2 Baths
    • 1,643 Sq Ft

    3404 Cedar Ln, Bridgman, MI 49106

    Discover the perfect blend of lakeshore living and proven investment income in the heart of Bridgman. This beautifully renovated 3 bed, 2 bath home is FULLY FURNISHED & TURNKEY, just 90 minutes from Chicago and minutes from Weko Beach, Warren Dunes State Park, golf courses, amazing wineries, breweries, orchards, and charming downtown Bridgman. Step inside to a light and bright open layout with a

    Nancy Maloney Five Star Real Estate-Hart

    3404 Cedar Ln, Bridgman, MI 49106
  • /2

    $29,900

    • Land
    • 0 Sq Ft

    3991 Deja Dr, St. Joseph, MI 49085

    Premium, large vacant ravine lot located within the highly desirable Royalton Terrace Village community in St. Joseph, MI 49085. Nestled along a scenic natural ravine, this parcel offers the rare opportunity to build a custom dream home with a private, wooded backdrop while enjoying the effortless perks of a maintenance-free neighborhood. Royalton Terrace Village provides lawn care and snow

    Dan Morissette Keller Williams Realty Swm

    3991 Deja Dr, St. Joseph, MI 49085
  • /31

    $290,000

    Coming Soon
    • 3 Beds
    • 1 Bath
    • 1,456 Sq Ft

    2813 Hanley Rd E, Saint Joseph, MI 49085

    Located in the Hanley subdivision of Shoreham Village in St. Joseph, this well-maintained ranch offers comfortable one-level living, a spacious yard, raised garden beds, a newer shed, and beautiful landscaping with flowering trees, colorful blooms, and established shrubs. The large living room is filled with morning light through the oversized picture window, while the kitchen's newer windows

    Dawn Tomlinson RE/MAX by the Lake

    2813 Hanley Rd E, Saint Joseph, MI 49085
  • 0 Sugarsand Ln Unit 39546289, Bridgman, MI 49106

    $407,900

    New Construction
    • 4 Beds
    • 2.5 Baths
    • 2,018 Sq Ft

    Integrity 2015 Plan at Lake Haven, Bridgman, MI 49106

    The Integrity 2015 is a traditional 2 story floor plan with a footprint designed for optimal and inclusive living & storage.

    Allen Edwin Homes Builder
    0 Sugarsand Ln Unit 39546289, Bridgman, MI 49106
  • /4

    $162,000

    $35K PRICE DROP
    • Land
    • 27,007 Sq Ft
    • $261,290 per Acre

    0 W Marquette Woods Rd, Stevensville, MI 49127

    Parcel B-2 is one of the best I-94, Exit 23 Stevensville, MI sites available in Berrien County. Exit 23 off of I-94 offers interchange ramps westbound to Chicago and eastbound to Detroit. This parcel is .62 of an acre with 166.26 of road frontage on W. Marquette Woods Road, zoned highway commercial within Lincoln Township. Other major franchises and businesses located at this exit include Tractor

    Donald Kamp @properties Christie's International R.E.

    0 W Marquette Woods Rd, Stevensville, MI 49127
  • /38

    $349,000

    $10K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 1,906 Sq Ft

    2436 Fountain Ln, Stevensville, MI 49127

    Spacious brick ranch on nearly half an acre in appealing Lakeshore schools neighborhood! This well-built, nearly 2,000-square-foot home offers 4 bedrooms, 2.5 bathrooms, beautiful hardwood floors, newer bedroom carpet, updated bathrooms, newer central air, and convenient main-floor laundry. The full basement with a utility sink adds endless storage and hobby space. Outside, you'll love the

    John Valenziano Jaqua REALTORS

    2436 Fountain Ln, Stevensville, MI 49127
  • /36

    $329,900

    $9K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 1,556 Sq Ft

    5980 Willow Creek Path, Stevensville, MI 49127

    Sturdy, well built, traditional brick ranch home. Three bedrooms, 1.5 baths, main level laundry, Fireplace, newer windows. Clean, finished basement rec room and lots of storage. Very clean 2 car garage with ample room to park your golf cart. 3 season room, vinyl fencing encompasses entire back yard for privacy. 2 storage sheds in back corner of yard. Very large back yard perfect for entertaining.

    Mike Bingaman The Shore Real Estate Group

    5980 Willow Creek Path, Stevensville, MI 49127
  • /9

    $506,110

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 2,330 Sq Ft

    Traditions 2330 V8.0b Plan at Marquette Woods, Lincoln Township, MI 49085

    The Traditions 2330 is a traditional 2-story floor plan with a footprint designed for optimal and inclusive living & storage.

    Allen Edwin Homes Builder
    0 Saint Joseph Cir Unit 36952470, Lincoln Township, MI 49085
  • /19

    $247,500

    • 2 Beds
    • 1 Bath
    • 950 Sq Ft

    3620 Lakeshore Dr Unit F-3, Saint Joseph, MI 49085

    Welcome to Lake Michigan living! This inviting 2-bed, 1-bath, fully furnished lakefront condo is in a gated community and offers the perfect opportunity to enjoy beauty and relaxation of life by the lake. From the comfort of your living room, take in beautiful views of the lake and enjoy the peaceful setting that makes this property so special. The community offers a variety of amenities designed

    Tina Dean Realty Executives Instant Equity

    3620 Lakeshore Dr Unit F-3, Saint Joseph, MI 49085
  • /55

    $439,000

    $6K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,387 Sq Ft

    5844 S Scottdale Rd, Berrien Springs, MI 49103

    Set on 1.4 scenic acres in the desirable Berrien Springs area, this beautifully maintained custom brick farmhouse offers a rare blend of charm, versatility, and income potential. Originally built in 1887 with a thoughtful addition in 1975, the main residence features 1,887 sq. ft., 4 bedrooms, and 2 full baths, complemented by a full, dry partially finished basement.The home is well-equipped

    Christine Gianni Jaqua Realtors

    5844 S Scottdale Rd, Berrien Springs, MI 49103
  • /88

    $1,385,000

    • 2 Beds
    • 2 Baths
    • 2,486 Sq Ft

    5501 Sunset Path, Stevensville, MI 49127

    Welcome to your lake house! Sunsets, listening to the waves, feeling the sand between your toes, or simply lounging on the deck enjoying the serene view and wildlife, it's all yours for the taking in this contemporary ranch-style home. Currently operating year-round as a successful short-term rental that sleeps 8 and is being offered fully furnished, this extremely well-cared-for home is ready

    Shelle Dragomer @properties Christie's International R.E.

    5501 Sunset Path, Stevensville, MI 49127
  • /23

    $329,000

    1605 &1609 Pheasant Run, Baroda, MI 49101

    All brick Duplex with 2 bedrooms, 2 baths in each unit with main floor laundry. Partial basements on each side with individual fenced backyards. Long term tenants. Each side has a nice deck and 1605 has a large storage shed. Great investment opportunity. Tenants pay all utilities.

    Gary Depa @properties Christie's International R.E.

    1605 &1609 Pheasant Run, Baroda, MI 49101
  • /24

    $265,000

    • 2 Beds
    • 2.5 Baths
    • 1,548 Sq Ft

    2727 S Lakeshore Dr Unit 11, St. Joseph, MI 49085

    Enjoy carefree living just steps from Lake Michigan in this beautifully updated all-brick condominium on prestigious Lakeshore Drive. Offering an ideal combination of comfort, style, and location, this spacious home features fresh paint throughout, updated flooring, a refreshed kitchen, three renovated bathrooms, and all-new light fixtures. The inviting floor plan includes a bright dining area

    Michele Kaiser @properties Christie's International R.E.

    2727 S Lakeshore Dr Unit 11, St. Joseph, MI 49085
  • /35

    $435,000

    $15K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,199 Sq Ft

    1375 Catherine Cir, Saint Joseph, MI 49085

    Welcome to this beautiful two-story home in the heart of Stevensville, where small-town charm meets the best of Southwest Michigan living. With 4 bedrooms & 2 1/2 baths, this home offers plenty of space.Fresh paint and brand-new carpet means you can move right in. The floor plan features a formal dining room, living room, and a flexible bonus room that could a home office or additional

    Jill Golden Realty Executives Instant Equity

    1375 Catherine Cir, Saint Joseph, MI 49085
  • /77

    $369,900

    • 3 Beds
    • 2 Baths
    • 2,555 Sq Ft

    2750 Wildwood Ln, Stevensville, MI 49127

    Welcome home to this beautifully updated 3-bedroom, 2-full-bath ranch offering quality craftsmanship and thoughtful improvements throughout! The main level features refinished hardwood floors, neutral paint, updated lighting and tastefully updated baths. The custom kitchen has granite countertops, glass tile backsplash, abundant cabinetry with convenient pull-outs, high end stainless appliances

    Tara Reibel Five Star Real Estate (Grandv)

    2750 Wildwood Ln, Stevensville, MI 49127
  • /13

    $74,900

    • Land
    • 2.12 Acres
    • $35,330 per Acre

    5790 Scottdale Rd, St. Joseph, MI 49085

    Beautifully sloping and rolling 2.12-acre parcel in Lakeshore Schools offering a rare combination of open land, privacy, and versatility. Currently farmed with rental income and enrolled as 100% QAP with sandy loam and gravelly soils ideal for building and strong perc potential. Perimeter spruce trees provide natural screening along with scattered trees and a row of established grapevines adding

    Christine Gianni Jaqua Realtors

    5790 Scottdale Rd, St. Joseph, MI 49085
  • /24

    $389,000

    • 4 Beds
    • 2 Baths
    • 1,877 Sq Ft

    2719 S Cleveland Ave, Saint Joseph, MI 49085

    Rare opportunity to live in the heart of St. Joseph in this lovely updated farmhouse on 1.42 acres. Updates include new HVAC, water heater, updated bathrooms, new carpeting, upstairs windows, updated kitchen with JennAir wall oven. The .99 acre lot next door is available to purchase as well. You are only 3 miles to Silver Beach and just over 1/2 mile to see incredible sunsets over Lake Michigan.l

    Diana Deitrich Coldwell Banker Realty

    2719 S Cleveland Ave, Saint Joseph, MI 49085
  • /89

    $530,000

    $25K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,660 Sq Ft

    500 Tuttle Rd, Baroda, MI 49101

    Nestled in the heart of Southwest Michigan's wine country and just minutes from Lake Michigan, this beautifully maintained 3-bedroom, 3-bath home offers the perfect blend of privacy and convenience. Tucked away on a secluded lot between Singer Lake and Hess Lake, the wooded setting overlooks a peaceful pond, creating a tranquil retreat in every season. Inside, you'll find a spacious primary suite

    Rebecca Wood Century 21 Affiliated

    500 Tuttle Rd, Baroda, MI 49101

Showing Results 121 - 160, Page 4 of 6

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