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Homes for Sale in 86406

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  • /60

    $759,900

    • 3 Beds
    • 2 Baths
    • 2,500 Sq Ft

    3928 Flying Cloud Ln, Lake Havasu City, AZ 86406

    If you like to feel like you're on top of the world - this IS the house for you! The views are incredible! Located on over a half acre on the South side of town. Open floor plan with living room, dining room and kitchen looking out to the gorgeous pebble tech pool, spa, travertine decking, covered patio and dynamic panoramic views! This home was built for entertaining! 3 Bedrooms, 2 baths,

    Michelle Lundy Realty ONE Group Mountain Desert-LH

    3928 Flying Cloud Ln, Lake Havasu City, AZ 86406
  • /33

    $799,900

    • 6 Beds
    • 3 Baths
    • 3,340 Sq Ft

    2470 Wood Ln, Lake Havasu City, AZ 86406

    Welcome home to Castlewood, the iconic Havasu property in the prestigious Residential Estates. Nestled up to the third tee box of Desert West, you'll meet the nicest people on the golf course. Castlewood commands over 155 feet of prime fairway frontage. The rare tee box location has no need for protective netting, providing unobstructed, maintenance free, forever fairway, lake and mountain views!

    Jared English Congress Realty

    2470 Wood Ln, Lake Havasu City, AZ 86406
  • /2

    $4,999

    • Land
    • 1.25 Acres
    • $3,999 per Acre

    XXXX N Mountain Ave Unit 8, Wikieup, AZ 85360

    Beautiful high desert parcel surrounded by stunning Hualapai mountain views miles of unobstructed Federal lands, this area is truly spectacular. Known wildlife area, and very peaceful. While others see empty land, smart buyers see opportunity.For the cost of a daily latte you can actually own 1.25 acres of real estate and the prestige that comes with it. No restrictions.

    Elliott McAllister American Key Realty

    XXXX N Mountain Ave Unit 8, Wikieup, AZ 85360
  • /5

    $4,900

    • Land
    • 2.5 Acres
    • $1,960 per Acre

    201-16-224E Tbd, Wikieup, AZ 85360

    Wanting to a go to camping spot? Be off grid? Don't miss out on these Az sunsets, not far from Trout Creek, Burro Creek and other springs the adventures are endless. Elevation: 3,225' (Owner agents)

    Crystal Seitz Chambers Realty Group

    201-16-224E Tbd, Wikieup, AZ 85360
  • /26

    $469,000

    • 3 Beds
    • 2 Baths
    • 1,470 Sq Ft

    3150 Star Dr, Lake Havasu City, AZ 86406

    This home has been updated with a new heat pump AC conditioner, water heater and new outside paint. The large block wall yard is ready for your own pool, casita, or RV garage. Property backs up to a wash with beautiful views of the mountains. Located on the south side it is close to the Riviera Marina, Lake Havasu Golf Club, and downtown. This home has all tile floors, inside laundry room,

    Staci Thomas Coldwell Banker Realty

    3150 Star Dr, Lake Havasu City, AZ 86406
  • /38

    $575,000

    • 3 Beds
    • 2 Baths
    • 1,551 Sq Ft

    3981 Mediterranean Ln, Lake Havasu City, AZ 86406

    Surrounded by million dollar homes, Mediterranean Ln. is a premier cul-de-sac in a quiet & serene southside neighborhood. With a location that cannot be beat. As you walk into your home, you are greeted by a charming wood burning fireplace and living room. The rear kitchen and dining area have easy access to the back yard with plenty of room for a pool.With side parking, the driveway leading

    Frank Willis West USA Realty

    3981 Mediterranean Ln, Lake Havasu City, AZ 86406
  • /15

    $420,000

    • 3 Beds
    • 2 Baths
    • 1,317 Sq Ft

    3632 Cactus Ridge Dr, Lake Havasu City, AZ 86406

    Welcome to 3632 Cactus Ridge, a 1317 square foot home completely renovated in 2023 with clean modern touch. The home has a perfect floorplan to make this home feel open and welcoming with the right amount of space in the great room and kitchen. When you walk in the home you will be greeted with a modernized kitchen with white cabinets and a clean quartz countertop. New Dishwasher, Sink, Stove,

    Cheyanne Terracciano Re/Max Fine Properties

    3632 Cactus Ridge Dr, Lake Havasu City, AZ 86406
  • /41

    $525,000

    • 3 Beds
    • 3 Baths
    • 1,890 Sq Ft

    3911 Big Horn Dr, Lake Havasu City, AZ 86406

    Welcome to your Havasu haven on the highly desired South Side! This beautifully cared-for Bridgewater-built home features a well-designed split floor plan, offering space and privacy for all. The roomy Primary Suite is tucked away, featuring its own full bath and direct patio access. The Junior Suite also offers patio access and a private 3/4 bath, perfect for guests or extended family. A third

    Wendy Smith Keller Williams Arizona Living Realty

    3911 Big Horn Dr, Lake Havasu City, AZ 86406
  • /31

    $429,000

    • 3 Beds
    • 2 Baths
    • 1,667 Sq Ft

    905 Paso Dr, Lake Havasu City, AZ 86406

    Tucked away in one of the most sought after neighborhoods, close to the Riviera launch boat ramp this unique 3 bedroom, 2 bath home offers the perfect blend of comfort, privacy, and space with a 3 car garage for all the toys. Make no mistake there is plenty of potential room for the extra toys on this lot if need be. Sitting on an elevated lot with a turn around pad up top & ultimate seclusion

    Candace Currey Coldwell Banker Realty

    905 Paso Dr, Lake Havasu City, AZ 86406
  • /46

    $875,000

    • 4 Beds
    • 2.5 Baths
    • 2,361 Sq Ft

    3344 Candlewood Dr, Lake Havasu City, AZ 86406

    Forever Mountain Views: A 4 Bedroom Marvel with Unmatched Scenery!| A beautifully updated, 4 bedroom, 2.5 bath home offering 2,361 sq. ft. of living space, a backyard oasis, and uninterrupted views that will never be built on, thanks to it's rare location backing up to BLM land. RV owners will appreciate the dedicated RV parking on the side of the house, complete with a 220 AMP

    Steve Dominguez HomeSmart

    3344 Candlewood Dr, Lake Havasu City, AZ 86406
  • /30

    $393,700

    • 3 Beds
    • 2 Baths
    • 1,440 Sq Ft

    1708 Mcculloch Blvd S, Lake Havasu City, AZ 86406

    SEND an OFFER! Desert Living at its Finest! Welcome to this beautifully maintained 3-bedroom 2-bathroom home nestled in the heart of Lake Havasu City with a moderate view of the Lake. This move-in-ready property offers a bright and open floor plan with plenty of natural light, and a spacious living area perfect for relaxing or entertaining. Step outside to a large backyard with plenty of

    Terrance Swan Swans Realty & Property Management, LLC

    1708 Mcculloch Blvd S, Lake Havasu City, AZ 86406
  • /65

    $365,000

    • 3 Beds
    • 2 Baths
    • 1,793 Sq Ft

    7190 E Red Barrel Rd, Yucca, AZ 86438

    Secluded 40-Acre ranch, PRIVATE WELL and NEW SOLAR SYSTEM make this a perfect homestead. Situated next to over 3,000 miles of government land for privacy and off road adventure. Well maintained 3-Bedroom home boasts nearly 1,800 Sq. Ft. Spacious open floor plan, vaulted ceilings, cozy fireplace, washer, dryer, refrigerator, and stove. This turn-key property has everything you need for a desert

    Janice Gould Havasu Realty

    7190 E Red Barrel Rd, Yucca, AZ 86438
  • /58

    $1,450,000

    • 4 Beds
    • 3.5 Baths
    • 2,531 Sq Ft

    4040 Avienda Del Sol, Lake Havasu City, AZ 86406

    New Price!! Absolutely beautiful, upgraded Oxley built home with large Casita and RV Garage!! Home is immaculate & shows like a model! Sits on an extra-large .68 acre lot in the truly lovely Phase 1 of Havasu Foothills Estates! Stunning homes surround you and the backyard features an incredible gunite 12'X 8' spa with multiple jets to soothe you! Travertine surround on raised spa & pavered patio

    Joanne Kupfer Realty ONE Group Mountain Desert-LH

    4040 Avienda Del Sol, Lake Havasu City, AZ 86406
  • /30

    $398,500

    • 2,208 Sq Ft

    3514 Hollister Ln, Lake Havasu City, AZ 86406

    Investor Opportunity - Duplex with Pool on South Side Cul-de-Sac!One-owner property being sold in As-Is condition. This duplex is located on a quiet cul-de-sac on the south side of town. Great potential for rental income or future upgrades.Unit A features 2 bedrooms, 2 bathrooms, and a 1-car carport.Unit B offers 3 bedrooms, 2 bathrooms, a gunite swimming pool, and a 1-car carport.Both units have

    Aaron Pfeifer Destination Havasu, LLC

    3514 Hollister Ln, Lake Havasu City, AZ 86406
  • /25

    $199,999

    • 1 Bed
    • 1 Bath
    • 698 Sq Ft

    500 Lake Havasu Ave S Unit A12, Lake Havasu City, AZ 86403

    Lower Level Condo with Beautiful Lake Views and Sunsets! Centrally located. This one bedroom, one bathroom unit offers a lake view, balcony, and secure underground parking garage with an elevator. Updated with new vinyl flooring. New ceiling fans. It comes fully furnished just bring your tooth brush. The kitchen has lots of storage and includes a stackable washer and dryer. Enjoy the pool, spa

    Karin Wilson Coldwell Banker Realty

    500 Lake Havasu Ave S Unit A12, Lake Havasu City, AZ 86403
  • /9

    $429,000

    • 3 Beds
    • 2 Baths
    • 1,400 Sq Ft

    980 Thunderbolt Ave, Lake Havasu City, AZ 86406

    SOUTH SIDE 3 BEDROOM HOME WITH A POOL! SPACIOUS BACKYARD, PERFECT FOR ENTERTAINING YOUR GUESTS. NEWER ROOF AND A/C UNIT. PLENTY OF ROOM FOR RV PARKING. CLOSE TO DAYCARE, MIDDLE AND ELEMENTARY SCHOOLS.FINANCING INFORMATION AVAILABLE UPON REQUEST.

    Kristi Antillon Selman And Associates

    980 Thunderbolt Ave, Lake Havasu City, AZ 86406
  • /47

    $390,000

    • 4 Beds
    • 2.5 Baths
    • 2,134 Sq Ft

    3580 Red Cloud Dr, Lake Havasu City, AZ 86406

    Take advantage of a rare opportunity--this home comes with an assumable loan at just 2.875% interest! Welcome to your next opportunity in Havasu! This expansive 4-bedroom, 3-bathroom home offers over 2,000 sqft of living space with an open floor plan that's perfect for entertaining and everyday comfort. Featuring a bright Arizona room, stunning mountain views throughout the home and a large

    Eric Gedalje eXp Realty

    3580 Red Cloud Dr, Lake Havasu City, AZ 86406
  • /46

    $699,900

    • 3 Beds
    • 2 Baths
    • 1,873 Sq Ft

    2056 Donner Bay, Lake Havasu City, AZ 86406

    Beautiful Golf Course area home located on a quiet cul-de-sac that backs to a wash for privacy and views. Looking for a place that has it all? This spacious 3-bedroom, 2-bath home features a heated pool & spa, 3-car RV Garage and tons of gated parking on the side. You'll love the spacious living room with custom wood ceilings and open floor plan w/split bedrooms. The spacious master suite has

    David Eaton Selman And Associates

    2056 Donner Bay, Lake Havasu City, AZ 86406
  • /19

    $1,950,000

    • Land
    • 0.79 Acre
    • $2,468,354 per Acre

    2402 Dry Creek Ct, Lake Havasu City, AZ 86406

    This one is it! One of the most premier lots in the Riviera. Unobstructed, completely private, corner lot views of Lake Havasu. Lots combined to create an expanse totaling 0.79 acres. Has design review approved plans that may be included. Can also build into the hillside for a two story masterpiece! Two-story plans also available. Owner/Agent.

    Brian Harlan Selman And Associates

    2402 Dry Creek Ct, Lake Havasu City, AZ 86406
  • /37

    $349,900

    • 2 Beds
    • 2 Baths
    • 1,409 Sq Ft

    2897 Castaway Dr, Lake Havasu City, AZ 86406

    Step into comfort and convenience with this super clean, well-maintained home that's ready for you now! You'll love the spacious, open-concept great room - perfect for entertaining guests or enjoying cozy nights in. The bright dining area flows seamlessly into the rear-facing kitchen, which offers ample counter space, a pantry and everything you need to cook up a storm. The oversized master suite

    Steve Ticknor Coldwell Banker Realty

    2897 Castaway Dr, Lake Havasu City, AZ 86406
  • /17

    $249,000

    • Land
    • 0.42 Acre
    • $592,857 per Acre

    2415 Demaret Dr, Lake Havasu City, AZ 86406

    Build your dream home on this amazing lot with breathtaking lake and mountain views on .46 acres in the highly sought after Residential Estates! Underground utilities, surrounded by high-end homes and walking distance to the golf course. Just minutes from the center of town, shopping, restaurants and boat launch. Elaborate and very well designed plans are also available with almost 4000 square

    Jules Campbell Realty ONE Group Mountain Desert-LH

    2415 Demaret Dr, Lake Havasu City, AZ 86406
  • /39

    $300,000

    • 1 Bed
    • 1 Bath
    • 1,214 Sq Ft

    471 W Juniper Dr, Yucca, AZ 86438

    - 40 acres for sale next door to make 53 acres in the beautiful desert between Lake Havasu City and Yucca, AZ - Home sits on 13 3/4 acres - Flat roof site built home - Brand new casita with bathroom and new features - Solar feeds home and casita - Water well - Water storage - Industrial grade propane generator - Central A/C and heat - Twin 500 gallon propane tanks - Panoramic views - Good roads -

    Brett Kimbel RE/MAX Preferred Pros.

    471 W Juniper Dr, Yucca, AZ 86438
  • /10

    $40,000

    • Land
    • 40.16 Acres
    • $996 per Acre

    Lot 2872 S John Wayne Rd, Yucca, AZ 86438

    Pristine Desert Setting. 40+ Acres with mineral rights in Stagecoach Trails in Yucca, AZ. Close to BLM Land and State Trust Land. Recreational opportunities and sightseeing abound from Alamo Lake to the historic mining town of Jerome. Easy commute to Laughlin and Vegas. Not far from Alamo Rd. Gorgeous views of mountains that surround the area. Put this one on your list to see soon!

    Doreen Letson United Country AZ Country RE

    Lot 2872 S John Wayne Rd, Yucca, AZ 86438
  • /35

    $589,000

    • 3 Beds
    • 2 Baths
    • 1,978 Sq Ft

    3864 Osage Dr, Lake Havasu City, AZ 86406

    Welcome to 3864 Osage Drive with over 1,900 sq ft of living space, this beautifully maintained 3-bedroom, 2-bath home offers comfort, functionality, and style. The open floor plan features an updated kitchen with granite tile countertops and a spacious layout perfect for entertaining. You'll love the HUGE family room with a stunning stone fireplace and soaring vaulted wood ceilings that add

    Priscilla Evans eXp Realty

    3864 Osage Dr, Lake Havasu City, AZ 86406
  • /35

    $439,000

    • 3 Beds
    • 2 Baths
    • 1,390 Sq Ft

    3370 Thundercloud Dr, Lake Havasu City, AZ 86406

    Charming 3-Bedroom, 2-Bath Home with Sparkling Pool and Spa! This 3-bedroom, 2-bath home is nestled on a quiet street and offers the perfect blend of comfort and functionality. Step inside to an inviting living space, a bright kitchen with a breakfast bar, and an open split floor plan. The primary suite includes a private bath, while two additional bedrooms provide flexibility for guests, a home

    Cameron Bookey Long River Realty

    3370 Thundercloud Dr, Lake Havasu City, AZ 86406
  • /16

    $629,500

    • Land
    • 0.26 Acre
    • $2,421,154 per Acre

    2404 River Rock Ct, Lake Havasu City, AZ 86406

    Wow what a view from this lot in the Havasu Rivera, flat lot ready for your custom home. Located in the prestigious Wren Cove on a cul-de-sac.

    Team Somers Red Sign Realty

    2404 River Rock Ct, Lake Havasu City, AZ 86406
  • /37

    $459,900

    • 4 Beds
    • 2 Baths
    • 1,695 Sq Ft

    2741 Southwind Ave, Lake Havasu City, AZ 86406

    BACK ON THE MARKET!!!! POPULAR 4 BEDROOM POOL HOME...... beautifully maintained and ready for immediate occupancy!!! Newer sparkling pool was built in 2015 with travertine deck, spill pot water feature and there's a newer covered patio to enjoy the view!!!! Inside you'll love the spacious living area with fireplace, remodeled kitchen with granite counter tops and updated bathrooms. 2 car garage

    Donna Ball Selman And Associates

    2741 Southwind Ave, Lake Havasu City, AZ 86406
  • /6

    $2,100,000

    • Land
    • 1.62 Acres
    • $1,296,296 per Acre

    50 Acoma Blvd S, Lake Havasu City, AZ 86403

    What an opportunity to own 1.62 acres of PRIME C-1 Zoned real estate in the heart of Lake Havasu City. A stones throw from ASU Lake Havasu, City Hall and the ever popular Main Street. Listing includes 3 parcels, with 3 ingress/egress points from Acoma, Swanson and Agave Bay. Endless possibilities Also available for long term ground lease, call broker for more info. Broker is related to seller

    Brian Baumkirchner Bluewater Brokerage Ltd

    50 Acoma Blvd S, Lake Havasu City, AZ 86403
  • /40

    $599,900

    • 3 Beds
    • 2 Baths
    • 1,589 Sq Ft

    4110 Columbia Dr, Lake Havasu City, AZ 86406

    Fantastic home located in terrific and quiet southside neighborhood. Close to open desert. Lovely homes in the surrounding area, and this home is gorgeous inside and out. Once inside, the kitchen is set off by the high-end dramatic granite countertops with a large breakfast bar opening to the great room. The home is incredibly appointed and decorated throughout and is sold turnkey.

    Robert L Re/Max By The Lake

    4110 Columbia Dr, Lake Havasu City, AZ 86406
  • /38

    $299,000

    • Land
    • 0.5 Acre
    • $598,000 per Acre

    3050 Camino de La Enclave, Lake Havasu City, AZ 86406

    Luxurious. Exclusive. Unparalleled. Welcome to The Enclaves, positioned perfectly on the rim of the desert, offers luxurious and exclusive living at the highest level. This private community will be gated and complemented with extensive front landscaping along with a spectacular monument feature. As you make your way into the development, you'll find elegant pavered streets as well as

    Eric Gedalje eXp Realty

    3050 Camino de La Enclave, Lake Havasu City, AZ 86406
  • /38

    $299,000

    • Land
    • 0.58 Acre
    • $515,517 per Acre

    3044 Camino de La Enclave, Lake Havasu City, AZ 86406

    Luxurious. Exclusive. Unparalleled. Welcome to The Enclaves, positioned perfectly on the rim of the desert, offers luxurious and exclusive living at the highest level. This private community will be gated and complemented with extensive front landscaping along with a spectacular monument feature. As you make your way into the development, you'll find elegant pavered streets as well as

    Eric Gedalje eXp Realty

    3044 Camino de La Enclave, Lake Havasu City, AZ 86406
  • /10

    $175,000

    • Land
    • 0.24 Acre
    • $729,167 per Acre

    2941 Inca Dr, Lake Havasu City, AZ 86406

    Discover the perfect place to bring your dream home to life! Nestled in a desirable location, this 0.24-acre lot offers an incredible opportunity to design and build a custom home tailored to your lifestyle. With ample space for a stunning residence, a spacious yard, and even outdoor entertainment areas, the possibilities are endless!

    APX Real Estate Group eXp Realty

    2941 Inca Dr, Lake Havasu City, AZ 86406
  • /20

    $439,000

    • 3 Beds
    • 2 Baths
    • 1,536 Sq Ft

    2721 Southwind Ave, Lake Havasu City, AZ 86406

    ASSUMABLE LOAN @ 2.875%. Spacious and charming home on the south side of town, set on a generous 1/3-acre lot with a large backyard perfect for adding a pool! Enjoy the convenience of side parking for your RV or boat, plus a 29' boat-deep garage for extra storage. The backyard also features a sizable utility shed. Inside, you'll find an open-concept kitchen, dining area, and a spacious family

    Diane Holley Citiea Realty Group LLC

    2721 Southwind Ave, Lake Havasu City, AZ 86406
  • /29

    $479,900

    • 3 Beds
    • 2 Baths
    • 1,798 Sq Ft

    2415 Souchak Dr, Lake Havasu City, AZ 86406

    LOCATION LOCATION LOCATION...Welcome to this quaint 3-bedroom, 2-bathroom home in the desirable Residential Estates neighborhood! With 1,798 sq. ft. of living space, this home offers a perfect blend of comfort and location.Step inside to find an inviting open-concept living area, ideal for both relaxing and entertaining. The spacious kitchen features ample counter space and a breakfast bar. Extra

    Erika McPherson Keller Williams Arizona Living Realty

    2415 Souchak Dr, Lake Havasu City, AZ 86406
  • /20

    $355,000

    • 2 Beds
    • 2 Baths
    • 1,323 Sq Ft

    4166 Mercury Dr, Lake Havasu City, AZ 86406

    Less than 1000 Ft from open desert, this 2-bedroom, 2-bathroom home is perfectly situated on an oversized lot with ample space for all your toys, outdoor dreams, or even a future pool. The spacious living area is filled with natural light. Oversized master suite with large master bathroom and walk-in closet. Kitchen has direct outdoor access, a casual dining area, and included appliances. Split

    John Rolfe

    4166 Mercury Dr, Lake Havasu City, AZ 86406
  • /36

    $420,000

    • Land
    • 0.16 Acre
    • $2,625,000 per Acre

    2332 Lake Ridge Way, Lake Havasu City, AZ 86406

    Discover the beauty and serenity of Marina View, the premier neighborhood in Riviera Lake Havasu. Nestled among picturesque lake and mountain views, this extraordinary community offers the perfect setting to create your dream custom home. This rare opportunity presents a one-of-a-kind lot, strategically located in one of the back rows, allowing for building heights of up to 44 feet to fully

    APX Real Estate Group eXp Realty

    2332 Lake Ridge Way, Lake Havasu City, AZ 86406
  • /20

    $209,900

    • Land
    • 0.46 Acre
    • $456,304 per Acre

    4021 Tierra Vista Dr, Lake Havasu City, AZ 86406

    Claim the last available cul-de-sac lot on this quiet street, with just over 20K SqFt of space--double the common 10K SqFt lot size for single-family homes. With rear lake and mountain views, this property also has 95 feet of frontage, making it wide enough to include an RV garage, without sacrificing livable square footage. Located at the edge of town, its close to off-road trails and open

    Lew Jabro Brooks-Clark And Assoc.

    4021 Tierra Vista Dr, Lake Havasu City, AZ 86406
  • /60

    $725,000

    • 3 Beds
    • 2 Baths
    • 1,777 Sq Ft

    3921 Hungry Horse Dr, Lake Havasu City, AZ 86406

    A MUST-SEE Home in a Desirable Location!This stunning home is a true standout in today's market. Completely refreshed just five years ago, it still shows like new! Recently upgraded with a brand-new pool and spa (installed just last year).Step inside to find sleek luxury vinyl flooring throughout, fresh paint, and LED lighting in every room. The home features top-down, bottom-up shades and

    Chelsea Gronewald Re/Max By The Lake

    3921 Hungry Horse Dr, Lake Havasu City, AZ 86406
  • /5

    $25,500

    • Land
    • 40.04 Acres
    • $637 per Acre

    000 Kit Carson, Yucca, AZ 86438

    Ranch property with easy access off I 40 an Alamo Rd! Bring the horses... off road vehicles... build a dream home (mobile homes are allowed). Peaceful and private off the grid, with no neighbors to deal with! Nice property for a great price! Enjoy the scenic desert beauty... breathe the fresh air... panoramic picturesque mountain views!

    Dean Turner KG Keller Williams Arizona Living Realty

    000 Kit Carson, Yucca, AZ 86438
  • /3

    $150,000

    • Land
    • 279.49 Acres
    • $537 per Acre

    0 Tbd 280 Acres Unit 26472, Wikieup, AZ 85360

    What a great opportunity to own large acreage! Keep it for a future development or bring your horses and other animals for a ranch! 279.49 acres total, borders government lands on 3 sides. No restrictions or time limits on building. No HOA. Low Arizona property tax. So many possibilities! Spectacular views every direction! Variety of AZ vegetation and wild life. Easy access from US93. Signal Rd

    Lana Johnson Eagle Realty

    0 Tbd 280 Acres Unit 26472, Wikieup, AZ 85360

Showing Results 281 - 320, Page 8 of 12

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