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Morgan County MO Homes for Sale

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  • /24

    $219,000

    • 4 Beds
    • 3 Baths
    • 1,704 Sq Ft

    28183 Laurel Rd, Gravois Mills, MO 65037

    Looking for an affordable getaway or a year-round lakeside retreat? This charming 4-bedroom, 2-bath ranch-style home offers just that—a place where you can build lasting memories, just like families did at the lake in the 1960s. Full of character and comfort, it blends that cozy cottage vibe with thoughtful updates for easy everyday living. Step inside to find updated kitchen cabinets and

    BECKY LISTER RE/MAX at the Lake

    28183 Laurel Rd, Gravois Mills, MO 65037
  • /49

    $725,000

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

    31394 Paradise Point, Rocky Mount, MO 65072

    Welcome to Paradise Point - an exceptional lakefront retreat at Lake of the Ozarks! Selling turnkey, this stunning home features a wall of windows, soaring ceilings, and an expansive living room, dining area, and kitchen designed for entertaining and relaxation. The spacious and private primary suite offers a perfect escape, while two stories of windows provide breathtaking, panoramic lake views.

    Dee Dee Jacobs EXP Realty, LLC

    31394 Paradise Point, Rocky Mount, MO 65072
  • /17

    $199,000

    • Land
    • 0.00 Acre

    Tract V-1 Santa fe Trail, Osage Township, MO 65037

    Prime Lakefront Lot Ready to Build – Gravois Arm Location! This is the one you've been waiting for—an ideal lakefront lot with everything in place to jumpstart your dream build! Located on the desirable Gravois Arm, this gently sloped lot features a seawall, water, and septic system already installed, saving you time and money. Accessible by blacktop all the way, you'll enjoy year-round

    Kimberly Smith RE/MAX Lifestyles

    Tract V-1 Santa fe Trail, Osage Township, MO 65037
  • /50

    $85,000

    • 1 Bed
    • 1 Bath
    • 500 Sq Ft

    34546 Ivy Bend Rd, Stover, MO 65078

    Discover your perfect tiny home getaway! Nestled on a scenic 0.6-acre lot in Stover, MO, this cozy 500 sq. ft. modular home offers the essentials of minimalist living with thoughtful design and functionality. Located just down the road from a swim beach with seasonal lake views, you’ll enjoy convenient access to Wet Spot Bar, Patriots Point Marina, and Surfside Bay Bar & Grill—making this an

    Andy Gibson Keller Williams L.O. Realty

    34546 Ivy Bend Rd, Stover, MO 65078
  • /50

    $795,000

    • 4 Beds
    • 3 Baths
    • 2,762 Sq Ft

    17499 Misty (Indian Creek Cove) Rd, Barnett, MO 65011

    MOTAVATED SELLERS!!! A truly Blessed home with natural beauty, radiating tranquility, towering oaks, nature, acreage, large front/lakeside yard, lots of parking, huge cove while offering captivating panoramic views from waters edge and the upper deck. You will be instantly delighted by lush greenery, trees and how the pristine lake stretches' out before you in the desirable Indian Creek Cove.

    ANNA FUCHS Keller Williams L.O. Realty

    17499 Misty (Indian Creek Cove) Rd, Barnett, MO 65011
  • /26

    $29,000

    • Land
    • 0.59 Acre
    • $49,153 per Acre

    27593 Paul Rd, Osage Township, MO 65011

    Don’t miss this unique opportunity to own a prime piece of land at Lake of the Ozarks, offering breathtaking views and the perfect foundation for your dream home or getaway retreat. Perched to take full advantage of stunning lake vistas, this partially cleared lot offers a fantastic building grade—ideal for constructing a custom lake house, barndominium, or vacation cabin. The property already

    Nicol O'Sullivan RE/MAX Lake of the Ozarks

    27593 Paul Rd, Osage Township, MO 65011
  • /7

    $89,000

    • 2 Beds
    • 1 Bath
    • 500 Sq Ft

    203 S Hunter St, Versailles, MO 65084

    Cute, hand-layed rock home in Versailles city limits. Bring your imagination and sweat equity! Home is a fixer-upper, would make an adorable starter home or rental or to resell!

    Donny Hibdon EXP Realty, LLC

    203 S Hunter St, Versailles, MO 65084
  • /48

    $49,000

    • 1 Bed
    • 1 Bath
    • 500 Sq Ft

    31025 Broken Circle Rd, Stover, MO 65078

    Back on the market with no fault of the seller. Enjoy off-grid living with no neighbors in sight! Featuring five acres of wooded privacy and a rustic cabin. This tranquil setting is abundant with wildlife, and can be used as your personal getaway/vacation/fishing/hunting cabin. Cabin is clean and cozy and has electric panel wired to a generator that could easily be converted to solar, and the

    Stacey O'Neal Lake Homes Realty, LLC

    31025 Broken Circle Rd, Stover, MO 65078
  • /71

    $340,000

    • Land
    • 80 Acres
    • $4,250 per Acre

    80 +/- Acres Proctor Rd, Gravois Mills, MO 65037

    Unlock nearly 80 acres of untamed potential in Gravois Mills, MO—just off Lake of the Ozarks near mile marker 55 and the heart of Proctor. Tucked between J Hwy and Hwy 135 on Proctor Lane, this expansive parcel offers a rare opportunity to carve out your dream getaway, investment tract, or hunting retreat in the Ozarks. This raw, unimproved land is ready for your vision, with an easement road

    Kat Laxague EXP Realty LLC

    80 +/- Acres Proctor Rd, Gravois Mills, MO 65037
  • /11

    $48,650

    • Land
    • 7 Acres
    • $6,950 per Acre

    0 Missouri 135, Gravois Mills, MO 65037

    What a BEAUTIFUL spot to build a home, shouse or go camping. Located in a private wooded setting that lays very nice for any kind of building. Brand new survey so all corners are marked. Just 1.5 miles from Laurie and a few miles from Lake of the Ozarks.

    BEVERLY GIBSON RE/MAX at the Lake

    0 Missouri 135, Gravois Mills, MO 65037
  • /25

    $169,900

    • 2 Beds
    • 1 Bath
    • 1,150 Sq Ft

    3501 Dogwood Point Rd, Stover, MO 65078

    Looking for a lakefront home under $175,000? Look no further than this 2 bed (non-conforming) 1 bath move-in ready lakefront home that is fully furnished & complete with all appliances. Tucked away in a serene cove, this peaceful retreat is located in the heart of a prime spoonbill snagging area—ideal for fishing enthusiasts. Enjoy the ease of lake life with your own private boat lift & fish

    Tessa Murray RE/MAX Lifestyles

    3501 Dogwood Point Rd, Stover, MO 65078
  • /28

    $245,000

    • 3 Beds
    • 1 Bath
    • 887 Sq Ft

    33722 Waterfront Dr, Stover, MO 65078

    Back on the Market!!! No fault of the seller's, buyers had a family emergency. The PERFECT Lake experience located at the 58 MM! This TURN KEY 3 bedroom ( 2 non conforming ) 1 bath Lakefront Cabin is waiting for you to enjoy the large deck and wonderful fishing in this cove. If you do not want to cook just head next door to Ivy Bend Resort and let them do the cooking. The one well dock features a

    Rhonda Hughes ReeceNichols Real Estate

    33722 Waterfront Dr, Stover, MO 65078
  • /14

    $45,950

    • Land
    • 3.03 Acres
    • $15,165 per Acre

    LOT T-4 Ivy Bend Rd, Stover, MO 65078

    Excellent building lot consisting of 3.01 acres located on Ivy Bend rd (blacktop) just off of Hwy 135. Seller has just cleared all the brush and dirt driveway is in place. Lot is ready to build and has electric poles on property. Minimal restrictions-All lots have been surveyed! Come stake your claim in a 3-acre parcel at beautiful Lake of the Ozarks today!

    Shawn Shelton RE/MAX Lake of the Ozarks

    LOT T-4 Ivy Bend Rd, Stover, MO 65078
  • /14

    $42,990

    • Land
    • 3.01 Acres
    • $14,282 per Acre

    LOT T-3 Ivy Bend Rd, Stover, MO 65078

    Excellent building lot consisting of 3.01 acres located on Ivy Bend rd (blacktop) just off of Hwy 135. Seller has just cleared all the under brush and installed a new rock driveway. Lot is ready to build and has electric poles on property. Minimal restrictions-All lots have been surveyed! Come stake your claim in a 3-acre parcel at beautiful Lake of the Ozarks today!

    Shawn Shelton RE/MAX Lake of the Ozarks

    LOT T-3 Ivy Bend Rd, Stover, MO 65078
  • /14

    $42,500

    • Land
    • 3.01 Acres
    • $14,120 per Acre

    LOT T-2 Ivy Bend Rd, Stover, MO 65078

    Excellent building lot consisting of 3.01 acres located on Ivy Bend rd (blacktop) just off of Hwy 135. Seller has just cleared all the under brush and installed a new rock driveway. Lot is ready to build and has electric poles on property. Minimal restrictions-All lots have been surveyed! Come stake your claim in a 3-acre parcel at beautiful Lake of the Ozarks today!

    Shawn Shelton RE/MAX Lake of the Ozarks

    LOT T-2 Ivy Bend Rd, Stover, MO 65078
  • /12

    $35,995

    • Land
    • 3.01 Acres
    • $11,958 per Acre

    LOT T-1 Ivy Bend Rd, Stover, MO 65078

    Excellent building lot consisting of 3.01 acres located on Ivy Bend rd (blacktop) just off of Hwy 135. Seller has just cleared all the under brush and installed a new rock driveway. Lot is ready to build and has electric poles on property. Minimal restrictions-All lots have been surveyed! Come stake your claim in a 3-acre parcel at beautiful Lake of the Ozarks today!

    Shawn Shelton RE/MAX Lake of the Ozarks

    LOT T-1 Ivy Bend Rd, Stover, MO 65078
  • /11

    $43,950

    • Land
    • 3.01 Acres
    • $14,601 per Acre

    LOT W-2 Ivy Bend Rd, Stover, MO 65078

    Excellent building lot consisting of 3.01 acres located on Ivy Bend and just off Hwy 135. Seller has just cleared under brush and installed a circle rock driveway. Electric is on property. Lot is ready to be built on and is just 10 minutes from Laurie city limits. Minimal restrictions. Come stake your claim in a 3-acre parcel at the beautiful Lake of the Ozarks.

    Shawn Shelton RE/MAX Lake of the Ozarks

    LOT W-2 Ivy Bend Rd, Stover, MO 65078
  • /28

    $195,000

    • 2 Beds
    • 1 Bath
    • 774 Sq Ft

    28464 Lucky Point Cir, Rocky Mount, MO 65072

    Charming lake cabin getaway now available at MM4 on the Gravois Arm in Rocky Mount, MO! This cozy 2-bedroom, 1-bath cabin offers an attached 1-car garage, ample parking on both sides, and convenient blacktop access right to the driveway. You'll love the rustic tongue & groove cedar accents, spacious covered front porch, fenced backyard, and views of the Gravois Arm —including a shared dock for

    Ryan Gattermeir EXP Realty, LLC

    28464 Lucky Point Cir, Rocky Mount, MO 65072
  • /16

    $303,100

    • Land
    • 87 Acres
    • $3,500 per Acre

    Tract D Beechnut Rd, Buffalo Township, MO 65078

    For Sale: 86.6 Acres of Secluded Paradise in Morgan County, MO. Discover this breathtaking 86.6-acre property in Morgan County, MO, a perfect retreat for outdoor lovers or those seeking a private escape.Secure Access: Gated entry with a well-maintained white rock road.Utilities Ready: CO-MO electric and high-speed internet available on-site.Natural Beauty: Mature timber featuring Oaks, Hickory,

    Victoria Devine Dunn and Associates LLC

    Tract D Beechnut Rd, Buffalo Township, MO 65078
  • /28

    $224,000

    • 3 Beds
    • 2 Baths
    • 1,273 Sq Ft

    159 Deer Valley Ln, Gravois Mills, MO 65037

    Quaint and Cozy home in a quiet subdivision. Completely remodeled and updated with new Siding, Light Fixtures, Vinyl Plank Flooring, Paint and much more! Single-level with Open Concept and Vaulted Ceilings in the Living/Family Room and has an attached 2-car garage that is climate controlled and is finished except for the Concrete Floor. Great for a Man Cave Area or a She Shed. Close to stores,

    Rod Barr Better Homes and Gardens Real Estate Lake Realty

    159 Deer Valley Ln, Gravois Mills, MO 65037
  • /45

    $445,000

    • 3 Beds
    • 2 Baths
    • 1,475 Sq Ft

    18130 Millstone Cove Rd Unit 447, Gravois Mills, MO 65037

    First time on the market! This top-floor 3BR/2BA condo at Millstone Condominiums has been a cherished vacation retreat for its original owners—and now it's your turn to start making lake memories. Featuring vaulted ceilings, stunning floor-to-ceiling windows, and an open-concept layout, this beautifully updated unit offers panoramic lake views from the main living area and primary suite. Enjoy

    Jill Shinn EXP Realty, LLC

    18130 Millstone Cove Rd Unit 447, Gravois Mills, MO 65037
  • /25

    $219,000

    • 2 Beds
    • 2 Baths
    • 1,278 Sq Ft

    34443 Ivy Bend Rd, Stover, MO 65078

    Like new home. Totally rehabed. Sit on your front deck and enjoy the beautiful surroundings. Lake view. Formica counter tops that look just Like granite. Nice big island and new cabinets. 2 bedroom 2 bath home. Huge building you can park your vehicles or make into work shop. Camper hook up next to out building. Property has its own well. Located close to the marina. Marina has boat dock for rent

    Janet England O Donohue United Real Estate Kansas City

    34443 Ivy Bend Rd, Stover, MO 65078
  • /40

    $62,500

    • 2 Beds
    • 2 Baths
    • 980 Sq Ft

    25089 Mercury Rd, Versailles, MO 65084

    Discover your affordable lake retreat! This fully furnished 1986 Eagle Manufactured home (14x70) awaits in the Anchorage Park Resort. Situated at the nine mile marker of the Gravois Arm, it's ideally located for fishing enthusiasts and family boating adventures! The 980 square foot residence features two bedrooms, two bathrooms, updated appliances, and a new roof. Included is a 10x20 boat slip

    Dustin Lehman EXP Realty, LLC

    25089 Mercury Rd, Versailles, MO 65084
  • /31

    $525,000

    • 4 Beds
    • 2 Baths
    • 2,245 Sq Ft

    27085 Dixie Ln, Barnett, MO 65011

    Grab your family and fishing tackle and snag this gem today! Welcome to this quiet and peaceful lakefront home in a deep water cove at the six mile marker of the Gravois Arm at Lake of the Ozarks. This home has been owned by the same family for over 20 years, has views of the cove from all levels and offers parking for up to five cars. With four bedrooms (one non-conforming) and a huge bonus room

    Carol Haynes RE/MAX Lake of the Ozarks

    27085 Dixie Ln, Barnett, MO 65011
  • /27

    $49,000

    • Land
    • 1.26 Acres
    • $38,889 per Acre

    17880 Old Rd W, Versailles, MO 65084

    Need a little room to breathe and a place where you can actually "do stuff" without a permit, a prayer, and a neighborhood meeting? This 1.26-acre parcel just outside the city limits of Versailles, MO, is calling your name.The land is already cleared and ready to roll—no machetes, bush hogs, or weekend warrior brush battles needed. Less than half a mile of gravel gets you from the main road

    Amy Dunn Dunn and Associates LLC

    17880 Old Rd W, Versailles, MO 65084
  • /50

    $750,000

    • 5 Beds
    • 4 Baths
    • 2,400 Sq Ft

    33367 Emerald Rd, Sunrise Beach, MO 65079

    Sellers have already found their next home and are ready to make a deal. This is a rare opportunity to assume a VA loan with exceptionally LOW LOW INTEREST RATE, potentially saving you thousands over the life of the loan. Turnkey Lakefront Home – 5 Bed, 4 Bath with Oversized Dock & Gentle Lake Access. This beautifully maintained 5-bedroom, 4-bathroom lakefront home offers the perfect blend of

    Brad Deters Weichert, Realtors® - Laurie Realty

    33367 Emerald Rd, Sunrise Beach, MO 65079
  • /14

    $34,900

    • Land
    • 2.41 Acres
    • $14,481 per Acre

    27689 Eagle Pass, Osage Township, MO 65072

    Great Building Lot on 2.4 Acres. The lot is just a 1/2 mile from Jolly Rogers Grub & Grog where there's always something going on...live music, delicious food, amazing brunch on the weekends, and charter excursions. There are a couple of cell phone towers nearby, which depending on the provider, offer incredible cell phone coverage. It's the best of both worlds to escape the hustle and bustle,

    Linda Eldridge Coldwell Banker Lake Country

    27689 Eagle Pass, Osage Township, MO 65072
  • /21

    $62,500

    • Land
    • 3.39 Acres
    • $18,437 per Acre

    33606 Bass Point Rd, Gravois Mills, MO 65037

    This partially cleared acreage is ready to build your dream home, camp in your RV or just enjoy some quiet time. Location is so important, and this one won't disappoint! Close to Laurie for shopping, dining, medical care and not far from the Lake of the Ozarks and with less than a quarter of mile of gravel you just can't beat it. Easy drive to the Ozark International Speedway, the Loop Offroad

    Kelly Gramke RE/MAX Lifestyles

    33606 Bass Point Rd, Gravois Mills, MO 65037
  • /10

    $12,500

    • Land
    • 0.29 Acre
    • $43,103 per Acre

    TBD Butler Rd, Gravois Mills, MO 65037

    Embrace the beauty of lakeside living with this lakefront lot, where lush greenery surrounds you in every direction. Perfect for nature enthusiasts, this serene property offers access to the water, stunning natural views, and the peaceful ambiance of the great outdoors. Whether you're looking to build a private retreat or a weekend escape, this is your opportunity to create something truly

    Denise Kostelac Weichert, Realtors® - Laurie Realty

    TBD Butler Rd, Gravois Mills, MO 65037
  • /38

    $237,500

    • 3 Beds
    • 2 Baths
    • 1,582 Sq Ft

    27469 Clyne Dr, Barnett, MO 65011

    This house is as cute as can be. The perfect spot far enough away from it all to enjoy life but close enough to stay connected to necessities. This is a large second tier lot in Golden Beach subdivision with plenty of shade trees and best of all a lake view! If you want to live the relaxed lake life this may be the home for you. Good neighbors, plenty of parking and room to build a garage if

    Matthew Schrimpf BHHS Lake Ozark Realty

    27469 Clyne Dr, Barnett, MO 65011
  • /37

    $299,000

    • 3 Beds
    • 1.5 Baths
    • 1,200 Sq Ft

    30571 Echo Valley Ln, Rocky Mount, MO 65072

    Attention investors and flippers—this is the lakefront opportunity you've been waiting for. This 3-bedroom traditional cabin sits just steps from the water’s edge in a prime, cove-protected location with quiet waters and open lake views. With strong bones and a fully functional layout, this property is the perfect blank canvas for a high-ROI flip. The cabin comes fully furnished and operational

    Nicol O'Sullivan RE/MAX Lake of the Ozarks

    30571 Echo Valley Ln, Rocky Mount, MO 65072
  • /35

    $279,775

    • 3 Beds
    • 2 Baths
    • 1,700 Sq Ft

    29745 Canary Rd, Gravois Mills, MO 65037

    BACK ON THE MARKET AT NOT FAULT OF IT’S OWN - Discover your own private oasis with this beautifully crafted manufactured home, nestled on 10.36 acres of breathtaking land. Picture the quiet early mornings spent, sipping coffee, while enjoying the privacy or your spacious retreat that you now call home. Throughout the home you will find many exciting features, such as; split bedroom floorplan,

    Charlie Wilbers Platinum Realty of Missouri LLC

    29745 Canary Rd, Gravois Mills, MO 65037
  • /21

    $89,000

    • Land
    • 0.71 Acre
    • $125,352 per Acre

    Tract B Lake Forest Estates Rd, Stover, MO 65078

    Newly surveyed lakefront lot. Located in Lake Forest Estates on the quiet side of the lake. Escape to your own private oasis on this expansive 30,910 sq ft lot in the charming town of Stover. This raw land offers endless possibilities for creating your dream lakefront getaway home. Imagine waking up to the serene sounds of nature, with the sparkling waters of the lake just steps away from your

    Evva Cason

    Tract B Lake Forest Estates Rd, Stover, MO 65078
  • /6

    $15,000

    • Land
    • 5 Acres
    • $2,804 per Acre

    Tract 514 Bobcat Rd, Buffalo Township, MO 65078

    5.35 Acres M/A with Wet Weather Creek and Small Pond. Road frontage on Bobcat Road, Baxter Road, and Birch Road. (Road frontage on 3 sides!) Close to Conservation area with Boat Ramp, Fishing dock, Paved Parking & Restrooms. This is such a perfect place to build your full-time residence, vacation home or hunting cabin. The $ 250 annual assessment is for road maintenance in Mallard II

    Helen Riggins RE/MAX at the Lake

    Tract 514 Bobcat Rd, Buffalo Township, MO 65078
  • /32

    $189,900

    • 4 Beds
    • 2 Baths
    • 1,493 Sq Ft

    30535 Towering Oak Ln, Gravois Mills, MO 65037

    Welcome to laid-back lake life in this brand new 4-bedroom, 2-bath home tucked inside the friendly Johnson’s Bay Subdivision on the Gravois Arm. With boat ramp access just down the road and blacktop streets all the way to your door, getting here—and getting on the water—is a breeze.Start your mornings slow on the covered front porch, complete with a charming car siding ceiling and

    Amy Erickson RE/MAX Lake of the Ozarks

    30535 Towering Oak Ln, Gravois Mills, MO 65037
  • /29

    $299,500

    • 4 Beds
    • 3 Baths
    • 1,398 Sq Ft

    3591 Durbin Rd, Stover, MO 65078

    Experience the best of lakefront living in this beautifully updated 4-bedroom, 3-bathroom home with breathtaking panoramic views in the sought-after Ivy Bend community. Perfect for year-round living or the ideal weekend escape, this home combines comfort, style, and direct access to the water. The main level features a bright, open living room with soaring ceilings and expansive windows,

    Kevin Hopkins 395 Realty LLC

    3591 Durbin Rd, Stover, MO 65078
  • /22

    $178,000

    • 3 Beds
    • 1 Bath
    • 1,128 Sq Ft

    215 S Walnut St, Stover, MO 65078

    Step inside this beautifully remodeled 3-bedroom, 1-bathroom home. This charming residence features two bedrooms and a modern bathroom on the main floor, alongside an updated kitchen, a convenient laundry area, a welcoming living room with wood floors, and a cozy dining room with plenty of natural light. Upstairs, you'll find an additional bedroom, adding extra space and privacy. Relax on the

    Baylie Stevenson Pivotal Real Estate LLC eXp Realty LLC (LOBR)

    215 S Walnut St, Stover, MO 65078
  • /37

    $580,000

    • 3 Beds
    • 3 Baths
    • 3,071 Sq Ft

    32313 Georgetown Rd, Gravois Mills, MO 65037

    Unique home with lot's of personality and the ability with square footage to expand and make it what you want. Detached 2-car garage with lot's of storage in lower level. Home is Currently a 2 bedroom, upper level Master is oversized with large sitting area. Main bath is tastefully remodeled with tub and shower. Convenient oversized laundry room on upper level. Drop down to Main level with huge

    BECKY LISTER RE/MAX at the Lake

    32313 Georgetown Rd, Gravois Mills, MO 65037
  • /50

    $314,900

    • 1 Bed
    • 1 Bath
    • 400 Sq Ft

    31371 Chateau Dr, Rocky Mount, MO 65072

    Check out this awesome lakefront property in Lake Ozark, MO! With 125 ft of prime lakefront and jaw-dropping lake views, this spot is perfect for your forever home or the ultimate vacation hangout. Wake up to stunning sunrises and kick back with beautiful sunsets over the lake every day. Built in 2017, this property features 1 bedroom and 1 bathroom with a quaint kitchen, two huge garages with

    LINNEA OSMENT Keystone Realty Lake Ozark

    31371 Chateau Dr, Rocky Mount, MO 65072
  • /36

    $825,000

    • 2 Beds
    • 2 Baths
    • 2,172 Sq Ft

    29540 Inspiration Point, Rocky Mount, MO 65072

    Endless possibilities at this One of Kind Property! Boasting over 236 feet of shoreline- this property offers so many possibilities. The original home was built in the 1930's and this home and the Boat House are under extensive remodel. Seller has made improvements and adding a new septic system. The property is off blacktop roads and is gated. Current dock conveys & there is ample room for a

    Jeff Krantz RE/MAX Lake of the Ozarks

    29540 Inspiration Point, Rocky Mount, MO 65072

Showing Results 121 - 160, Page 4 of 10

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