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Newest Homes for Sale in Harbor Springs, MI

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  • /17

    $79,000

    • Land
    • 1.09 Acres
    • $72,477 per Acre

    3645 Sturgeon Bay Shores Trail, Harbor Springs, MI 49740

    Discover a rare opportunity to own 1.09 acres of pristine land, nestled alongside North Country Park Trail and adjacent to Wilderness State Park. With picturesque views and unparalleled access to nature and outdoor adventures, this location is perfect for those seeking tranquility and a connection to the great outdoors. Whether you are envisioning your dream home or serene getaway, this land

    Jamie Warchol Coldwell Banker Schmidt- Harbor Springs

    3645 Sturgeon Bay Shores Trail, Harbor Springs, MI 49740
  • /39

    $1,495,000

    • 3 Beds
    • 3 Baths
    • 1,356 Sq Ft

    528 E Bay St, Harbor Springs, MI 49740

    Unit 30 has been refreshed and is ready for new ownership. Come take a look at this lovely home and enjoy the spectacular location and views of ALL things Harbor Springs.One of the standout features of this condo is its prime location, Enjoy the peacefulness of being adjacent to Weque, where you can relax and unwind without the distractions of nearby activity. Quiet and secluded, this home

    Jane Fisher Gaslight Group Properties

    528 E Bay St, Harbor Springs, MI 49740
  • /11

    $295,000

    • Land
    • 0.3 Acre
    • $983,333 per Acre

    443 W Summit St, Harbor Springs, MI 49740

    Wonderful, in town building site, just off the bluff, with some seasonal views of Lake Michigan. This lot is just a short walk to downtown, and offers city water, and natural gas. The property slopes in the back, offering a new homeowner the option of a walk out lower level. The lot has been recently staked by Benchmark Engineering and Al and Jim's Tree service cleared trees as well.

    Kristin McDonald Harbor Sotheby's International Rlty - Harbor Sprgs

    443 W Summit St, Harbor Springs, MI 49740
  • /26

    $499,000

    • 2 Beds
    • 2.5 Baths
    • 1,736 Sq Ft

    700 Fairways Dr Unit 14, Harbor Springs, MI 49740

    Priced to Sell! Highly desirable 2 bed, 2 and 1/2 bath condo located in the Fairways of Birchwood Farms Golf & CC. The sunrise view is of the green on hole #1 of the Birches course. The spacious open floor plan includes a large loft for that extra sleeping space or office. This ideal ready-to-move-in condo includes all-new stainless steel appliances and a new Maytag washer and dryer. Perfect

    Sandra Gay Berkshire Hathaway HomeServices Michigan Real Estate - HS

    700 Fairways Dr Unit 14, Harbor Springs, MI 49740
  • /9

    $49,900

    • Land
    • 0.95 Acre
    • $52,526 per Acre

    2171 Sanctuary Dr, Harbor Springs, MI 49740

    Nicely wooded lot at a top-rated championship golf course! Located less than 10 miles from downtown Harbor Springs, True North golf course boasts to be a private, low volume destination golf course and would be an excellent location to build your dream home. This lot is conveniently located on the fairway of Hole 6 and would provide the ideal location for your summer retreat or year round

    Lee Anne Scharffe Berkshire Hathaway Homeservices Indian River

    2171 Sanctuary Dr, Harbor Springs, MI 49740
  • /5

    $95,991

    • Land
    • 1.01 Acres
    • $95,041 per Acre

    3547 Quick Rd, Harbor Springs, MI 49740

    Build your dream home just minutes from downtown Harbor Springs! This 1-acre vacant lot offers a rare blend of convenience and natural beauty. Mostly cleared and ready to build, the property features gentle hillside views and easy access to town, the desirable Harbor Springs schools, ski hills, golf courses, and other area amenities. It’s even within walking distance of the David Irish Nature

    Hans Palma Graham Real Estate

    3547 Quick Rd, Harbor Springs, MI 49740
  • /49

    $3,750,000

    • 4 Beds
    • 4.5 Baths
    • 4,634 Sq Ft

    805 Glenn Dr, Harbor Springs, MI 49740

    Warm and inviting Harbor Springs Home. Located just minutes from town in the highly desirable Glenn Beach Association, this beautifully appointed 4-bedroom, 4-bathroom home offers the perfect blend of luxury, comfort, and convenience. The heart of the home is a fully renovated chef’s kitchen featuring premium Bluestar appliances, ideal for both everyday living and entertaining. Enjoy

    Lee Ford Walsh Coldwell Banker Schmidt- Harbor Springs

    805 Glenn Dr, Harbor Springs, MI 49740
  • /11

    $2,000,000

    • 3 Beds
    • 3.5 Baths
    • 3,000 Sq Ft

    572 W Bluff Dr Unit C, Harbor Springs, MI 49740

    Located within the city limits of Harbor Springs, this new custom home on highly desirable West Bluff Drive offers the perfect blend of cottage charm and modern design. Just a short walk from downtown, the home will feature quality finishes throughout—hardwood floors, shiplap & beadboard paneling, detailed custom millwork, and a stylish kitchen with quartz countertops and stainless steel

    Gill Whitman Berkshire Hathaway HomeServices Michigan Real Estate - HS

    572 W Bluff Dr Unit C, Harbor Springs, MI 49740
  • /46

    $579,900

    • 3 Beds
    • 2.5 Baths
    • 1,730 Sq Ft

    4162 Pinehurst Unit 879, Harbor Springs, MI 49740

    Nestled along the scenic 14th fairway, this Ross Cottage offers a rare blend of charm, comfort, and thoughtful improvements. This inviting home has been freshly painted inside and out, giving it a crisp, clean feel that complements its timeless design. Upstairs, new carpeting adds warmth and comfort, making the bedrooms feel brand new. Throughout the home, thoughtful upgrades and improvements

    Jennifer Miller Graham Real Estate

    4162 Pinehurst Unit 879, Harbor Springs, MI 49740
  • /40

    $425,000

    • 3 Beds
    • 2.5 Baths
    • 2,303 Sq Ft

    1509 Kingswood, Harbor Springs, MI 49740

    Nestled on a serene, wooded lot and backing up to protected state land, this inviting 3-bedroom, 2.5-bath home offers the perfect blend of privacy and community living. Located on a quiet street within the prestigious Birchwood Farms Golf & Country Club, the home features two spacious family gathering areas, two cozy fireplaces, and a deck overlooking the tranquil woods — ideal for relaxing or

    Joy Labadie Berkshire Hathaway HomeServices Michigan Real Estate - HS

    1509 Kingswood, Harbor Springs, MI 49740
  • /10

    $135,000

    • Land
    • 1.15 Acres
    • $117,391 per Acre

    8385 Seven Mile Point Ct, Harbor Springs, MI 49740

    Located in the sought-after Seven Mile Point Ridges neighborhood, this beautiful wooded lot offers a prime setting off Lower Shore Drive in Harbor Springs. Just across the road from the association's private access to 100 feet of stunning Lake Michigan sandy beach, it's the perfect place to build your Up North retreat. Surrounded by quality homes and just minutes from downtown Harbor Springs, as

    Heidi Kresnak Graham Real Estate

    8385 Seven Mile Point Ct, Harbor Springs, MI 49740
  • /24

    $92,400

    • Land
    • 1.34 Acres
    • $68,955 per Acre

    5945 Lodgepole Rd, Harbor Springs, MI 49740

    Fantastic opportunity to build your UP NORTH dream home located just minutes outside of downtown Harbor Springs & walking distance to M-119- the "Tunnel of Trees"! Set on the corner of Lodgepole & Ridge Rd, this property is in a very quiet country setting. Walk to the nearby hiking, biking and cross-country ski trails. Or jump in the car and head over to the downhill ski and golf resorts just a

    Craig Wilson Coldwell Banker Fairbairn Realty

    5945 Lodgepole Rd, Harbor Springs, MI 49740
  • /21

    $750,000

    • Land
    • 0.55 Acre
    • $1,363,636 per Acre

    8439 Sturgeon Bay Dr Unit Lot 61, Harbor Springs, MI 49740

    Exceptional opportunity to own prime Lake Michigan frontage along one of the most scenic stretches of shoreline in Northern Michigan. This beautiful parcel offers wide open water views, a peaceful dune landscape, and direct access to miles of soft, sandy beach. The setting is quiet and private, yet conveniently located just a short drive from downtown Harbor Springs. Bordering Wilderness State

    Stephanie Jones Kidd & Leavy Real Estate Co. LLC

    8439 Sturgeon Bay Dr Unit Lot 61, Harbor Springs, MI 49740
  • /49

    $699,000

    • 1 Bed
    • 1 Bath
    • 1,169 Sq Ft

    680 N Lake Shore Dr, Harbor Springs, MI 49740

    Storybook log home set against the tunnel of trees with deeded access to unparalleled Lake Michigan sandy frontage just moments away on historic Lamkin Drive. For over 100 years, this marvel of craftsmanship has stood the test of time, and while it's been refitted with some modern conveniences, it still maintains the authentic nature one would expect from a home in this location and this era. The

    Michael MacCarthy Gaslight Group Properties

    680 N Lake Shore Dr, Harbor Springs, MI 49740
  • /39

    $480,000

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

    350 Birchwood Dr, Harbor Springs, MI 49740

    Perched at the crest of a wooded hill, this distinctive Birchwood home combines lodge design with modern comforts. It has four bedrooms, 3.5 baths, a 2.5-car garage, and a separate 1.5-car garage. The home is thoughtfully designed for both everyday living and gracious entertaining. The main level features large picturesque windows overlooking rolling hill with a forest and wildlife. The gourmet

    Charity Fuhrman Berkshire Hathaway HomeServices Michigan Real Estate - HS

    350 Birchwood Dr, Harbor Springs, MI 49740
  • /7

    $189,999

    • 1 Bed
    • 1.5 Baths
    • 642 Sq Ft

    5620 Highlands Dr, Harbor Springs, MI 49740

    Charming 1-bedroom condo, perfectly situated in the heart of The Highlands resort, just steps from the slopes and golf course. This first floor condo offers a comfortable living area with a gas fireplace, sofa sleeper, murphy bed, kitchenette, private bedroom, 1.5 baths and private balcony. Compact yet thoughtfully designed, this warm and welcoming unit offers everything you need for a relaxing

    Jennifer Miller Graham Real Estate

    5620 Highlands Dr, Harbor Springs, MI 49740
  • /33

    $754,400

    • 3 Beds
    • 2 Baths
    • 2,102 Sq Ft

    807 Fairways Dr, Harbor Springs, MI 49740

    Welcome to 807 Fairways Drive, where luxury, comfort, and Northern Michigan charm come together in Birchwood Country Club’s newest development, The Ridge. This brand-new, ranch-style condominium offers over 2,100 square feet of sun-filled, thoughtfully designed living space. Featuring 3 bedrooms and 2 baths, the open-concept layout includes a spacious main-floor primary suite with a beautifully

    William Winslow Coldwell Banker Schmidt- Harbor Springs

    807 Fairways Dr, Harbor Springs, MI 49740
  • /4

    $19,000

    • Land
    • 0.26 Acre
    • $73,077 per Acre

    2263 Knollwood Dr, Harbor Springs, MI 49740

    Offering an affordable 1/4 acre lot in the Harbor Springs school district, just a short drive to the Highlands and Nubs Nub ski resorts. This small association offers a shared well, paved roads and great neighbors, and is adjacent to hundreds of acres of state land. This location is centrally located to all of the Northern Michigan amenities, with golf courses, Lake Michigan beaches and area

    Kristin McDonald Harbor Sotheby's International Rlty - Harbor Sprgs

    2263 Knollwood Dr, Harbor Springs, MI 49740
  • /12

    $108,000

    • Land
    • 1.12 Acres
    • $96,429 per Acre

    2210 Black Rock Unit 42, Harbor Springs, MI 49740

    Large building site on True North’s 6th Fairway with views of the 5th & 4th Fairways and the lush woods beyond. True North is one of the finest private clubs in the country. This is a wonderful building site in an area of fine homes. True North is a private destination golf club with a top-rated championship golf course, on-site lodging and community, trout fishing, and dining facilities for our

    Sam DeCamp Gaslight Group Properties

    2210 Black Rock Unit 42, Harbor Springs, MI 49740
  • /8

    $415,000

    • Land
    • 6.32 Acres
    • $65,665 per Acre

    7481 S State St, Harbor Springs, MI 49740

    Great location just north of Harbor Springs and minutes from downtown. Present owner has cleared the East portion and it has so many possibilities. Utilities near by.

    Lee Ford Walsh Coldwell Banker Schmidt- Harbor Springs

    7481 S State St, Harbor Springs, MI 49740
  • /50

    $1,599,000

    • 4 Beds
    • 4.5 Baths
    • 3,650 Sq Ft

    5975 Westward Passage, Harbor Springs, MI 49740

    Rare private setting with a very unique view located in the lovely Windward Association! This stunning new custom-built gem features 4 spacious bedrooms and 4.5 bathrooms, all designed with a unique old-world flair. The open floor plan is great for entertaining with access to the front porch on warm summer evenings to enjoy the expansive view. Imagine waking up to breathtaking views of the

    Lee Ford Walsh Coldwell Banker Schmidt- Harbor Springs

    5975 Westward Passage, Harbor Springs, MI 49740
  • /23

    $75,900

    • Land
    • 2.1 Acres
    • $36,143 per Acre

    3929 Topside Dr Unit 59, Harbor Springs, MI 49740

    At 2.09 acres, this is one of the larger lots in Surfwood. It is flat at the road but slopes to a peaceful valley at the back, creating an option for a walk-out lower level with views of the mature forest. The land to the south of the property is owned by Little Traverse Conservancy and has trails, great for a stroll through the woods. With private association beach access, you can enjoy year

    Sam DeCamp Gaslight Group Properties

    3929 Topside Dr Unit 59, Harbor Springs, MI 49740
  • /7

    $375,000

    • Land
    • 35.7 Acres
    • $10,504 per Acre

    9400 W Robinson Rd Unit 1, Harbor Springs, MI 49740

    Renovate this historic schoolhouse for an Airbnb or up north retreat. The possibilities are endless! Step outside to explore the sprawling grounds, dotted with wooded trails and an abundance of farmland, offering endless opportunities for outdoor adventures, relaxation, and conveniently located near several nature preserves. This 35-acre property offers the perfect balance of privacy and

    Mindy Ozenberger Berkshire Hathaway HomeServices Michigan Real Estate - HS

    9400 W Robinson Rd Unit 1, Harbor Springs, MI 49740
  • /43

    $50,000

    • Land
    • 1.08 Acres
    • $46,296 per Acre

    3895 Topside Watch, Harbor Springs, MI 49740

    Located a short drive from Harbor Springs, this beautifully wooded building site offers over 1,000 feet of shared Lake Michigan access, featuring a pristine stretch of soft, white sand beach. Set within a well-established community of custom homes, this property includes access to top-tier amenities like tennis courts and scenic hiking trails. A perfect setting to create your ideal home while

    William Winslow Coldwell Banker Schmidt- Harbor Springs

    3895 Topside Watch, Harbor Springs, MI 49740
  • /45

    $420,000

    • 4 Beds
    • 3 Baths
    • 4,114 Sq Ft

    122 Meadow Wood Dr, Harbor Springs, MI 49740

    This 4-bedroom, 3-bathroom home in the Hamlet West Association offers 4,114 sq. ft. of comfortable living space, complete with a 3-car garage. Located directly across from the Nubs Nob entrance and a short drive to Boyne Highlands, this home is centrally located for you to enjoy all of the Northern Michigan amenities and enjoy an active lifestyle. Downtown Harbor Springs, with its shops and

    Mindy Ozenberger Berkshire Hathaway HomeServices Michigan Real Estate - HS

    122 Meadow Wood Dr, Harbor Springs, MI 49740
  • /22

    $15,000

    • Land
    • 0.76 Acre
    • $19,737 per Acre

    1074 Timber Pass, Harbor Springs, MI 49740

    Welcome to 1074 Timber Pass, a conveniently located lot near the M-119 entrance to Birchwood. The lot backs up to Birchwood common area and one of the lovely ponds that has catch-and-release fishing. Birchwood Golf & Country Club has a list of amenities such as golf, tennis/pickle ball, dining, pool, and walking trails. This lot is a wonderful place to build your dream home!

    Sam DeCamp Gaslight Group Properties

    1074 Timber Pass, Harbor Springs, MI 49740
  • /6

    $65,000

    • Land
    • 1 Acre
    • $65,000 per Acre

    5089 Seven Mile Point Ridge Dr Unit Lot 103, Harbor Springs, MI 49740

    Beautiful building site in a very desirable neighborhood. minutes from downtown Harbor Springs. Sandy private beach access off Lower Shore Drive. Easy site to build on. A one of a kind, must see !!

    Craig Cottrill Cottrill Realty

    5089 Seven Mile Point Ridge Dr Unit Lot 103, Harbor Springs, MI 49740
  • /12

    $89,000

    • Land
    • 0.51 Acre
    • $174,510 per Acre

    3154 Pete's Run, Harbor Springs, MI 49740

    Build your dream home on this inviting lot in the desirable Pete's Run development! Enjoy scenic views in a peaceful setting while being just minutes from downtown Harbor Springs. Conveniently located near schools, ballfields, shopping, and dining, this property offers both tranquility and easy access to local amenities. With underground electric and natural gas already in place, you're one step

    William Winslow Coldwell Banker Schmidt- Harbor Springs

    3154 Pete's Run, Harbor Springs, MI 49740
  • /36

    $110,000

    • Land
    • 1.78 Acres
    • $61,798 per Acre

    5765 Lodgepole Rd, Harbor Springs, MI 49740

    MOTIVATED SELLERS! Nestled just off the renowned "Tunnel of Trees," this 1.75-acre building site offers a breathtaking meadow setting and lake Michigan views. Enjoy easy access to fantastic trails for hiking, biking, snowshoeing, and cross-country skiing. Located only three miles north of downtown Harbor Springs, this serene property is perfect for building your dream home. Key Features: Prime

    Parker Marshall Harbor Sotheby's International Rlty - Harbor Sprgs

    5765 Lodgepole Rd, Harbor Springs, MI 49740
  • /47

    $439,000

    • 3 Beds
    • 2.5 Baths
    • 2,453 Sq Ft

    1458 Timber Pass, Harbor Springs, MI 49740

    Luxury Living Awaits at Birchwood Farms! Experience the epitome of Northern Michigan living in this beautifully renovated 3-bedroom, 2.5-bathroom home nestled within the prestigious Birchwood Farms Golf & Country Club community in Harbor Springs. This stunning residence offers the perfect blend of modern updates and classic charm, all on a sprawling corner lot of over an acre. Step inside and be

    Bill Thompson Coldwell Banker Morehart Realty

    1458 Timber Pass, Harbor Springs, MI 49740
  • /47

    $1,439,000

    • 4 Beds
    • 3 Baths
    • 3,404 Sq Ft

    1333 Pinetree Trail, Harbor Springs, MI 49740

    Presenting a rare opportunity to own a brand-new masterpiece in the prestigious Birchwood Farms community, where timeless elegance meets modern sophistication. This exquisite residence blends exceptional design with unparalleled functionality, creating a home that is both captivating and comfortable. The exterior features stunning stone and board-and-batten siding, complemented by an inviting

    Patrick Leavy Kidd & Leavy Real Estate Co. LLC

    1333 Pinetree Trail, Harbor Springs, MI 49740
  • /36

    $42,500

    • Land
    • 1.34 Acres
    • $31,716 per Acre

    3395 Needles Dr Unit Lot 26, Harbor Springs, MI 49740

    Lot 26 of Harbor Ridge consists of 1.34 acres of hardwood forest offering seclusion and privacy. The parcel backs up to a private 70 acres of field and forest and is surrounded with more hardwoods. The property gradually inclines from the road to the back of the lot where it levels off at a high elevation for a fantastic building site. A shared driveway for lots 26 and 27 is already constructed

    Carrie Frisbie Coldwell Banker Schmidt- Harbor Springs

    3395 Needles Dr Unit Lot 26, Harbor Springs, MI 49740
  • /35

    $42,500

    • Land
    • 1.8 Acres
    • $23,611 per Acre

    3367 Needles Dr Unit Lot 27, Harbor Springs, MI 49740

    Lot 27 of Harbor Ridge is a private, elevated building site. 1.8 acres of hardwood forest offers seclusion and privacy. The parcel backs up to a private 70 acre farm and is surrounded with more hardwoods. A shared driveway has been constructed through neighboring lot 26 leading up and around to the back of lot 27 where a level, clearing exists for your future home. Rolling topography throughout

    Carrie Frisbie Coldwell Banker Schmidt- Harbor Springs

    3367 Needles Dr Unit Lot 27, Harbor Springs, MI 49740
  • /14

    $113,900

    • Land
    • 0.54 Acre
    • $210,926 per Acre

    1387 Andover Club Dr, Harbor Springs, MI 49740

    Prime ski-in, ski-out lot nestled on the slopes of Boyne Highlands. Experience the ultimate Up-North lifestyle with access to amenities including golf, spa, zip lining, horseback riding, and more. Whether it's your dream home, a lucrative rental property, or your go-to vacation getaway, this opportunity is truly exceptional! Owner financing available.

    Zac Lejeune Gaslight Group Properties

    1387 Andover Club Dr, Harbor Springs, MI 49740
  • /42

    $8,250,000

    • 6 Beds
    • 5.5 Baths
    • 7,786 Sq Ft

    3087 Forest Ave, Harbor Springs, MI 49740

    This brand new modern home is truly a one-of-a-kind, with its stunning design and luxurious amenities. The floor to ceiling windows offer breathtaking views Little Traverse Bay and the surrounding nature, creating a serene and peaceful atmosphere. The spacious deck and outdoor fireplace are perfect for entertaining guests or simply relaxing and enjoying the beautiful surroundings. The kitchen is

    Patrick Leavy Kidd & Leavy Real Estate Co. LLC

    3087 Forest Ave, Harbor Springs, MI 49740
  • /50

    $1,499,999

    • 4 Beds
    • 3.5 Baths
    • 5,865 Sq Ft

    645 Woodhill Ct, Harbor Springs, MI 49740

    Stunning estate located on the Moor golf course of the Highlands of Harbor Springs, offering unparalleled privacy in a peaceful setting. This home has everything, starting with a gourmet kitchen with Wolverine cabinets, Viking stove, two Thermador convection ovens, a KitchenAid refrigerator, Asko dishwasher and walk in pantry. The tranquil master suite offers an adjacent workout room, walk in

    Kristin McDonald Harbor Sotheby's International Rlty - Harbor Sprgs

    645 Woodhill Ct, Harbor Springs, MI 49740
  • /19

    $118,000

    • Land
    • 1 Acre
    • $118,000 per Acre

    340 Pleasant Ridge Dr Unit 55, Harbor Springs, MI 49740

    Premier building g site located in Hamlet Village Mountain Side. Enjoy stepping out your front door with direct ski-in/ski-out access to the ski trails on Nub's Nob South, Pintail Peak and groomed cross county trails. The site offers a level building area as well as sloping terrain that is ideal for a walkout lower level Membership to the Hamlet Club provides access to the the indoor pool.

    Gill Whitman Berkshire Hathaway HomeServices Michigan Real Estate - HS

    340 Pleasant Ridge Dr Unit 55, Harbor Springs, MI 49740
  • /13

    $2,100,000

    • 4 Beds
    • 4 Baths
    • 4,189 Sq Ft

    8355 Pine Ridge Dr Unit 8, Harbor Springs, MI 49740

    Soon to be built modern farmhouse with a spectacular canyon view. Open floorplan with vaulted ceilings in foyer, both dining rooms, great room & kitchen. Private guest quarterswith full bath, vaulted ceilings and a separate entrance above garage. Private master bedroom wing separated from kitchen/dining room with a den walkway. Includes his/her vanities and walk-in closet. Private Beach

    Craig Cottrill Cottrill Realty

    8355 Pine Ridge Dr Unit 8, Harbor Springs, MI 49740
  • /20

    $225,000

    • Land

    5695 Weatherly, Harbor Springs, MI 49740

    One of the last lake view lots in Windward. Spectacular view of the bay from this nicely, wooded building site. Windward amenities include pool, tennis courts and nature trails. Seller is a Licensed Realtor in the State Of Michigan

    Bernie Schaffer Harbor Sotheby's International Rlty - Harbor Sprgs

    5695 Weatherly, Harbor Springs, MI 49740
  • /2

    $475,000

    • Land
    • 3 Acres
    • $158,333 per Acre

    8555 Moeller Dr, Harbor Springs, MI 49740

    Seller would like to Build to Suit on this property/ $15.00 per square foot. Contact us to start a conversation.

    Jack Van Treese Jack Van Treese & Assoc..

    8555 Moeller Dr, Harbor Springs, MI 49740

Showing Results 81 - 120, Page 3 of 4

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