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Ellijay, GA Homes for Sale under $200,000

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  • /4

    $3,995

    $4K PRICE DROP
    • Land
    • 32,234 Sq Ft
    • $5,399 per Acre

    Lot 2119 Newport Dr Unit 2119, Ellijay, GA 30540

    Relax on the front porch of your mountain dream home and enjoy the peaceful sound of the river flowing below. Located in the amenity-rich Coosawattee River Resort, this community offers something for everyone - and indoor pool, two outdoor pools, tennis courts, basketball, pickleball, a fishing lake, and access to the Coosawatte River. The clubhouse hosts a variety of activities including line

    Dusty Hill BHHS Georgia Properties

    Lot 2119 Newport Dr Unit 2119, Ellijay, GA 30540
  • /6

    $125,000

    • Land
    • 1.02 Acres
    • $122,549 per Acre

    32R Roaring Forks Ln, Ellijay, GA 30540

    Escape the hustle and bustle of city life and discover your mountain retreat on this beautiful 1.02-acre private, wooded Waterfront Lot on Mountaintown Creek! Tucked away in the scenic town of Ellijay-only 7 Miles from downtown-this lot offers a peaceful setting with an easy buildsite, making it perfect for your dream cabin or weekend getaway. Located in The Preserve at Mountaintown Creek, a

    Joel Brown The Woodland Group

    32R Roaring Forks Ln, Ellijay, GA 30540
  • /14

    $128,000

    • Land
    • 1.52 Acres
    • $84,211 per Acre

    0 Red Oak Trail Unit 428891, Ellijay, GA 30540

    Nice lot that backs to creek. Walkable area & quaint covered bridge at creek front. The Preserve at Mountaintown Creek residents enjoy exceptional amenities including gated security, pool, outdoor fireplace, pavilion, pickleball court, creekfront park, and a kayak/canoe launch plus fishing in the trout filled waters along Mountaintown Creek.

    Frances K Moore Georgia Mountain Living Realty, LLC

    0 Red Oak Trail Unit 428891, Ellijay, GA 30540
  • /28

    $19,900

    • Land
    • 32,234 Sq Ft
    • $26,892 per Acre

    LT1249 Fugue Dr, Ellijay, GA 30540

    Build your dream mountain getaway on this approximately 3⁄4-acre wooded homesite nestled within the desirable Coosawattee River Resort. Featuring seasonal long range Blue Ridge Mountain View and view of the river, year-round sounds of flowing water, and abundant wildlife including deer, this property offers the peaceful mountain lifestyle you’ve been searching for and close enough to the river

    Amber Taylor S & S Homes Realty West, LLC

    LT1249 Fugue Dr, Ellijay, GA 30540
  • /5

    $65,000

    • Land
    • 3 Acres
    • $21,667 per Acre

    0 Northland Trail Unit 10472985, Ellijay, GA 30540

    Come explore this stunning 3-acre lot, mostly level and so much potential. With several ideal building sites to choose from, this partially wooded gem offers a serene retreat where you can connect with nature. A gentle stream meanders along the back of the property, complemented by seasonal views. if you are seeking peace and quiet, this is the perfect spot for your new home. Conveniently located

    Sandra Jarrett Century 21 Lindsey & Pauley

    0 Northland Trail Unit 10472985, Ellijay, GA 30540
  • /15

    $69,900

    • Land
    • 2.49 Acres
    • $28,072 per Acre

    Lot 173 Shagbark Ct, Ellijay, GA 30541

    The most amazing breath taking MOUNTAIN VIEW lots in the area! This 2.49 acre lot has Year Round, Long Range, MOUNTAIN VIEWS with a nice gentle spot for a home site. The amazing community of The Vineyard at Yukon is a 1500 acre development with 400+ acres of green space to help preserve the natural environment. There are so many community amenities including beautiful creeks and fire pits

    Valorie Price Keller Williams Elevate

    Lot 173 Shagbark Ct, Ellijay, GA 30541
  • /39

    $80,000

    • 1 Bed
    • 1 Bath

    15 30th St, Ellijay, GA 30540

    PRICED TO SELL — TURNKEY MOUNTAIN RETREAT! Discover the perfect blend of comfort, convenience, and value with this desirable RV lot paired with a 2021 Cherokee Limited Forest River (#274BRB) — fully furnished and ready to enjoy in the prestigious Coosawattee River Resort in Ellijay, GA! Whether you're looking for a full-time mountain lifestyle or an affordable vacation escape, this property

    George Mangrum eXp Realty, LLC

    15 30th St, Ellijay, GA 30540
  • /4

    $8,500

    • Land
    • 27,442 Sq Ft
    • $13,492 per Acre

    LOT 838 Oneida Cir, Ellijay, GA 30540

    Build your mountain getaway in Coosawattee River Resort, one of Ellijay's most sought-after gated communities. This wooded homesite offers the ideal setting for a full-time residence, weekend retreat, or income-producing mountain cabin, with short-term rentals permitted. Owners enjoy access to resort-style amenities including multiple pools, river access along the scenic Coosawattee River, tennis

    Daniel Hayes RE/MAX Town & Country

    LOT 838 Oneida Cir, Ellijay, GA 30540
  • /16

    $42,888

    • Land
    • 1.1 Acres
    • $38,989 per Acre

    Lot 55 Timberwalk Dr, Ellijay, GA 30540

    MOUNTAIN VIEWS in Timberwalk Estates Gated community close to downtown Ellijay, this ONE ACRE lot has just been flagged and "perc-tested", it's ready for you to build your dream home. Enjoy lakeside community area with the pavilion with friends and family, as well as a walking nature path. This lot is gentle sloping, please watch the video tour and make your appointment today to see if this

    The Welcome Team REMAX Town & Country - Ellijay

    Lot 55 Timberwalk Dr, Ellijay, GA 30540
  • /4

    $30,000

    • Land
    • 32,670 Sq Ft
    • $40,000 per Acre

    0 Red Oak Trail Unit 7794084, Ellijay, GA 30540

    Absolutely beautiful building lot available located in The Preserve at Mountaintown Creek Resort. This .75l acre lot has a gentle slope ideal for a daylight terrace level with upper level long range views possible .The resort has New Pickleball courts, community pool and a pavilion area located on Gunstock Creek just a couple of minutes from the lot! Access is also available on beautiful Mountain

    Roger Davis Mountain Aire Realty, Inc.

    0 Red Oak Trail Unit 7794084, Ellijay, GA 30540
  • /4

    $89,999

    $10K PRICE DROP
    • Land
    • 5 Acres
    • $18,000 per Acre

    627 Whitecliff Dr, Ellijay, GA 30540

    Discover this approximately 5-acre residential lot in the Ellijay area of Gilmer County. Featuring rolling, wooded terrain, the property offers a scenic mountain setting with natural privacy and character. Located in a quiet area with no HOA restrictions, it provides flexibility for a future home while still maintaining access to nearby towns, shopping, dining, schools, and essential services.

    Celena Miller Landmark Realty Group

    627 Whitecliff Dr, Ellijay, GA 30540
  • /30

    $44,999

    • Land
    • 3.74 Acres
    • $12,032 per Acre

    189 St Andrews Way, Ellijay, GA 30536

    Seasonal Mountain Views, 3.74 Acres & a High-Capacity Private Well. A private well is already in place and currently capped. Recently tested with impressive production capacity, it could provide a valuable head start when planning your future home while potentially saving time and development costs. This corner lot is located deep inside the luxury gated community of Georgian Highlands in the

    Leah Cleminshaw Georgia Highlands Realty

    189 St Andrews Way, Ellijay, GA 30536
  • /4

    $37,999

    $7K PRICE DROP
    • Land
    • 1.5 Acres
    • $25,333 per Acre

    0 Roaring Forks Ln Unit 10821817, Ellijay, GA 30540

    Discover the beauty of North Georgia mountain living with this 1.5-acre homesite on Roaring Forks Ln in Ellijay, GA. Located in the desirable The Preserve at Mountaintown Creek, this property offers an excellent opportunity to build your mountain getaway, full-time residence, or investment property in a peaceful gated community surrounded by the natural beauty of Gilmer County. The wooded setting

    Todd Springer eXp Realty

    0 Roaring Forks Ln Unit 10821817, Ellijay, GA 30540
  • /19

    $59,900

    $10K PRICE DROP
    • Land
    • 6.44 Acres
    • $9,301 per Acre

    0 Double Knob Unit 10618992, Ellijay, GA 30540

    Discover the perfect canvas for your dream home on this stunning 6.44 acre lot nestled in the enchanting North Ga Mountains. Experience the beauty of nature & abundant native trees & diverse wildlife, offering a serene backdrop for your new lifestyle. The gentle slopping terrain ensures easy access, providing ample space for you to stretch out & create your private retreat. With some tree

    Terry Ledford ReMax Town & Ctry-Downtown

    0 Double Knob Unit 10618992, Ellijay, GA 30540
  • /25

    $29,000

    • Land
    • 2.04 Acres
    • $14,216 per Acre

    LOT 3079R Monocle Dr, Ellijay, GA 30540

    Discover the perfect blend of privacy, nature, and mountain living on this exceptional 2.04-acre (three lots combined to save on HOA fees) homesite in the gated Coosawattee River Resort. A beautiful year-round creek meanders through the center of the property, creating a peaceful setting with small waterfalls, moss-covered rocks, and the soothing sounds of nature. Heavily wooded and offering

    Mark Reeves Coldwell Banker High Country

    LOT 3079R Monocle Dr, Ellijay, GA 30540
  • /27

    $150,000

    • Land
    • 3.17 Acres
    • $47,319 per Acre

    LT 304 Greenwood Ct, Ellijay, GA 30540

    Watch video to see how beautifully this lot lays! Mountain Views AND Coosawattee River frontage just beyond the Army Corps of Engineers buffer! Mature Oak trees with mountains in the backdrop and a gentle homesite for a home you'll look forward to waking up in awaits you and your builder today but the sunsets are the BEST! Hike, explore and swim from your property while building a home with

    The Welcome Team REMAX Town & Country - Ellijay

    LT 304 Greenwood Ct, Ellijay, GA 30540
  • /25

    $49,750

    $10K PRICE DROP
    • Land
    • 25,264 Sq Ft
    • $85,776 per Acre

    135 Flat Ridge Rd, Ellijay, GA 30540

    RARE, amazing lot along the Coosawattee River with only a thin strip of Army Corps property between this beautiful homesite and the river. Lot has been surveyed and cut in with a circular driveway and partially cleared. Power and Fiber internet already runs to the corner of the lot. Total value of improvements exceeds $26,000! Close to the Rec Center and indoor pool inside gated Coosawattee River

    Tracy Coles Atlanta Communities

    135 Flat Ridge Rd, Ellijay, GA 30540
  • /33

    $44,999

    • Land
    • 3.01 Acres
    • $14,950 per Acre

    Lot 24 Possum Poke Rd Unit 24R, Ellijay, GA 30536

    Escape to the heart of the North Georgia mountains with this beautiful 3-acre all-wooded residential lot in the sought-after Mountain Meadows community. Offering total privacy, mature timber, and natural buffers, this generous parcel features multiple potential building sites-giving you the flexibility to position your custom mountain retreat, log home, or weekend cabin for optimal elevation and

    John Thomas ReMax Town & Ctry-Downtown

    Lot 24 Possum Poke Rd Unit 24R, Ellijay, GA 30536
  • /7

    $49,000

    • Land
    • 22,651 Sq Ft
    • $94,231 per Acre

    Lot 25 Walnut Ridge, Ellijay, GA 30536

    If the view is what you're looking for, this is the lot to see. Located along Walnut Ridge in the gated Walnut Mountain community, this property offers outstanding long-range mountain views at a price point that is increasingly hard to find. The lot slopes gently back from the road, providing a great setting to take advantage of the elevation and expansive mountain backdrop. Comparable view lots

    The Conrey Family Team REMAX Town & Country - Ellijay

    Lot 25 Walnut Ridge, Ellijay, GA 30536
  • /6

    $35,000

    • Land
    • 1.38 Acres
    • $25,362 per Acre

    0 Harris Creek Dr Unit 6, Ellijay, GA 30540

    Welcome to your next lot of the Tranquility at Carter's Lake subdivision, located conveniently off HWY 382. Here you will find beautiful homes nestled within within the woods, next to the creeks and lake. This community offers a boat ramp, adorable park, and plenty of views. Come build your next dream home here, and experience tranquility.

    Colt Kelley Compass

    0 Harris Creek Dr Unit 6, Ellijay, GA 30540
  • /39

    $184,900

    • 1 Bed
    • 1.5 Baths
    • 150 Sq Ft

    45 1st St, Ellijay, GA 30540

    Enjoy a lifestyle in the N. Ga Mountains with River Activities right from your own Property. Fishing, Swimming, Kayaking, and Tubing. Imagine an immaculate River Retreat that is 1 bedroom, 1 1/2 bath, with a covered roof, outdoor cooking area and deck all on a Deeded Coosawattee River lot . The luxury 30 foot V Lite by Flagstaff has all anyone needs to be comfortable and carefree. Perfect whether

    Kendall Wiseley BHGRE Metro Brokers

    45 1st St, Ellijay, GA 30540
  • /24

    $42,500

    $5K PRICE DROP
    • Land
    • 1.16 Acres
    • $36,638 per Acre

    Lot# 208 Pinnacle Dr, Ellijay, GA 30540

    Welcome to High River, one of Ellijay's most desirable gated communities, where mountain living feels peaceful, convenient, and full of possibility. This beautiful 1.16-acre lot offers the perfect setting to build your dream home, weekend retreat, or future investment property. Whether you're a first-time buyer looking for an affordable way to get started in North Georgia, or a retiree ready to

    Barry Conner BHGRE Metro Brokers - Ellijay

    Lot# 208 Pinnacle Dr, Ellijay, GA 30540
  • /31

    $69,000

    • Land
    • 3.14 Acres
    • $21,975 per Acre

    0 Possum Poke Rd Unit 10804145, Ellijay, GA 30540

    Bring your builder! The prep work is done and ready for your plans! Circle Driveway in place, soil testing complete and homesite cleared! Underground utilities at street. Enjoy the seasonal mountain views, and with a little bit of strategic clearing enjoy year round mountain views! CC & R's in place to protect your investment, minimal restrictions. Low HOA fee covers private road maintenance and

    Allison Dodd LOCAL Realty

    0 Possum Poke Rd Unit 10804145, Ellijay, GA 30540
  • /4

    $157,000

    • Land
    • 9.49 Acres
    • $16,544 per Acre

    00 Flag Pole Cir, Ellijay, GA 30540

    COME SEE THIS WONDERFUL PIECE OF HEAVEN. BUILD YOUR OWN GETAWAY PLACE AMONGST NATURE. AREA DOES HAVE BUILDING CONTROLS IN PLACE. ENJOY ALL 4 SEASONS HERE.GREAT VALUE-DON'T MISS THIS ONE!

    Garry Cooke Century 21 Results

    00 Flag Pole Cir, Ellijay, GA 30540
  • /32

    $84,777

    • Land
    • 1.75 Acres
    • $48,444 per Acre

    Lot 630 Nahunta Ct, Ellijay, GA 30540

    Build your mountain home in desirable Buckhorn Estates on this 1.75-acre corner lot featuring approximately 80 feet of frontage on the Ellijay River. This wooded lot offers a peaceful setting with mature hardwoods, river views and a seasonal mountain view, and the opportunity to create your own private retreat. The lot will require some clearing, as well as installation of a private well and

    The Cindy West Team Remax Town & Country – The Cindy West Team

    Lot 630 Nahunta Ct, Ellijay, GA 30540
  • /27

    $150,000

    • Land
    • 3.17 Acres
    • $47,319 per Acre

    LT 304 Greenwood Ct Unit 304, Ellijay, GA 30540

    Watch video to see how beautifully this lot lays! Mountain Views AND Coosawattee River frontage just beyond the Army Corps of Engineers buffer! Mature Oak trees with mountains in the backdrop and a gentle homesite for a home you'll look forward to waking up in awaits you and your builder today but the sunsets are the BEST! Hike, explore and swim from your property while building a home with

    Julia Krusac RE/MAX Town & Country

    LT 304 Greenwood Ct Unit 304, Ellijay, GA 30540
  • /12

    $64,900

    $5K PRICE DROP
    • Land
    • 6.35 Acres
    • $10,220 per Acre

    L334 335 Brushy Top Dr Unit 334 335, Ellijay, GA 30540

    Hunters take a look. There is an old driveway where you may be able to put a tent while you hunt the USNF or hike. Lot 335 has approx 280' USNF frontage. Lot 334 has a small branch with a seasonal waterfall. Looks like you can get a good view depending where you may want to build. Unrestricted property is getting difficult to find. Don't let this opportunity to purchase unrestricted, view

    JANICE CALLIHAN Callihan Realty

    L334 335 Brushy Top Dr Unit 334 335, Ellijay, GA 30540
  • /13

    $18,500

    $2K PRICE DROP
    • Land
    • 29,185 Sq Ft
    • $27,612 per Acre

    LOT J251 Pine Ridge Ct, Ellijay, GA 30536

    : Super gentle lot with mountain view potential AND it borders Walnut Mountain green space. Cut a path down to Lake Dakwa for a little paddle, fish or just relax with a book. Located on a short side street in a well established gated community that offers swimming pool, tennis courts, clubhouse, multiple lakes, Turniptown Creek for trophy trout fishing AND public water. This should be a very

    Mark Reeves Coldwell Banker High Country

    LOT J251 Pine Ridge Ct, Ellijay, GA 30536
  • /19

    $35,000

    • Land
    • 29,620 Sq Ft
    • $51,471 per Acre

    0 Omen Ct Unit 7693734, Ellijay, GA 30540

    Build your mountain retreat in the desirable Coosawattee River Resort in Ellijay, GA. This lot is conveniently located near new shopping, schools, and outdoor recreation, offering easy access to hiking trails and river activities. Enjoy a strong sense of community with resort-style amenities while still being close to town conveniences—perfect for a full-time residence or weekend getaway.

    Maureen Kukla ERA Sunrise Realty

    0 Omen Ct Unit 7693734, Ellijay, GA 30540
  • /15

    $55,000

    • Land
    • 1.13 Acres
    • $48,673 per Acre

    Lot 238 Pinnacle Dr, Ellijay, GA 30540

    Lot 238 Pinnacle Dr, Ellijay, GA offers 1.13 acres of North Georgia land for buyers looking to build in one of the area's most desirable mountain markets. Whether you're planning a full-time home, second home, or custom cabin retreat, this property gives you the space and flexibility to create something that fits your goals. With over an acre, there's room for privacy, outdoor living, a firepit,

    Michael Williams Selling North Georgia Realty

    Lot 238 Pinnacle Dr, Ellijay, GA 30540
  • /2

    $30,000

    • Land
    • 21,344 Sq Ft
    • $61,224 per Acre

    0 S Lake Dr Unit 7832838, Ellijay, GA 30536

    Discover the opportunity to own a beautiful vacant lot in the desirable Walnut Mountain community of Ellijay! Located in the Laurel Ridge section, Lot 64 offers the perfect setting to build your mountain getaway, vacation home, or full-time residence. Enjoy the natural beauty and peaceful surroundings of North Georgia while being conveniently located near downtown Ellijay, shopping, dining,

    Marithza Kayee Virtual Properties Realty.com

    0 S Lake Dr Unit 7832838, Ellijay, GA 30536
  • /17

    $79,000

    • Land
    • 31,363 Sq Ft
    • $109,722 per Acre

    0 Chicasaw Dr Unit 7833837, Ellijay, GA 30540

    Welcome to your slice of mountain paradise at Buckhorn Estates! Nestled in the serene beauty of the North Georgia mountains, this .72 acre homesite offers tranquility and convenience in equal measure. Situated off the beaten path, this homesite ensures privacy and peaceful living, allowing you to escape the hustle and bustle of city life. With the DRIVEWAY AND SEPTIC ALREADY IN PLACE, your dream

    Cindy West RE/MAX Town And Country

    0 Chicasaw Dr Unit 7833837, Ellijay, GA 30540
  • /19

    $99,900

    • Land
    • 2.51 Acres
    • $39,801 per Acre

    LTS 205/206 Harris Ridge Dr, Ellijay, GA 30540

    Discover the perfect opportunity to build your mountain getaway on this 2.51-acre double lot located at the end of a cul-de-sac in the desirable gated community of Tranquility at Carter's Lake. This property offers paved road access, underground power, and public water, making it an excellent choice for your future home or mountain retreat. Enjoy beautiful mountain views and multiple level

    Daniel Hayes RE/MAX Town & Country

    LTS 205/206 Harris Ridge Dr, Ellijay, GA 30540
  • /39

    $159,900

    $15K PRICE DROP
    • Land
    • 12.27 Acres
    • $13,032 per Acre

    0 Spruill Dr, Ellijay, GA 30536

    Private mountain land (12.27 acres) with creek frontage nestled among the Rich Mountain Wilderness area. Potential for year-round mountain views with tree trimming. Electric available with Amicalola EMC and internet/phone thru ETC. Property will require its own well and private septic tank. Property has 2 access points--one along Spruill Drive and another off an access road off Laurel Trail. This

    Ami Terry ReMax Town & Ctry-Downtown

    0 Spruill Dr, Ellijay, GA 30536
  • /14

    $24,999

    • Land
    • 31,798 Sq Ft
    • $34,245 per Acre

    548 Satsuma Ct, Ellijay, GA 30540

    Love the mountains AND Golf?? Looking for that perfect place to build your dream mountain home? Take a look at this great .73 acre lot that is located close to the Whitepath Golf Course, dog friendly river side park and walking trails. Offering paved access, highspeed internet, and a 8 acre lake. Low HOA fees of just $225 a year. Also centrally located to the historic and charming mountain towns

    Terry Ledford REMAX Town & Country - BR Downtown

    548 Satsuma Ct, Ellijay, GA 30540
  • /57

    $49,900

    • Land
    • 1.24 Acres
    • $40,242 per Acre

    Lot 2965 Monticello Dr, Ellijay, GA 30540

    Discover the perfect setting for your mountain dream on this over-one-acre lot in Coosawattee River Resort, offering beautiful views and the soothing sounds of the Coosawattee River just across the road. Enjoy the glimmering water and tranquil sounds of the river without the concern of flood insurance, making this an ideal location for a full-time residence, a peaceful mountain getaway, or an

    The CALL CAT NOW Group REMAX Town & Country - Ellijay

    Lot 2965 Monticello Dr, Ellijay, GA 30540
  • /11

    $22,000

    $1K PRICE DROP
    • Land
    • 1.01 Acres
    • $21,782 per Acre

    LOT 186 Harris Ridge Ln, Ellijay, GA 30540

    Beautiful 1.01-acre lot located in the private community of Tranquility at Carters Lake. This property features a level build site, underground power, public water, and paved road access-making it easy to start planning your mountain getaway. Enjoy the peaceful setting while being just a short drive to Carters Lake for boating, fishing, and outdoor recreation. Ideal for a full-time residence,

    Daniel Hayes RE/MAX Town & Country

    LOT 186 Harris Ridge Ln, Ellijay, GA 30540
  • /30

    $100,000

    $10K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 250 Sq Ft

    156 13th St, Ellijay, GA 30540

    Calling RV lovers! This unique Ellijay getaway features a two-bedroom 2016 Forest River RV situated on approximately 0.1 acre inside the sought-after Coosawattee River Resort Community. The property offers separate electric and water connections, along with a recently built deck, covered pavilion, and storage shed. A metal roof canopy protects the RV, while the expansive covered outdoor space is

    Kathryn Valor Keller Williams Realty Partners

    156 13th St, Ellijay, GA 30540
  • /17

    $199,000

    • Land
    • 9.07 Acres
    • $21,940 per Acre

    LOT 28 Hillside Ln, Ellijay, GA 30540

    Discover your own private mountain sanctuary in the gated community of High River, just minutes from downtown Ellijay. Offering an impressive 9.07 acres, this property provides substantially more land than the average tract in the area, giving you the space, privacy, and natural beauty you've been looking for. Tucked away in the North Georgia mountains, this property offers the perfect setting

    Greg Adams Chris McCall Realty

    LOT 28 Hillside Ln, Ellijay, GA 30540
  • /8

    $31,499

    $4K PRICE DROP
    • Land
    • 1.64 Acres
    • $19,207 per Acre

    0 Grandview Point, Ellijay, GA 30536

    Nestled in the scenic North Georgia Mountains, this beautiful 1.64-acre homesite at 0 Grandview Pt in Ellijay offers the perfect opportunity to build your dream mountain retreat or full-time residence. Surrounded by the area's natural beauty, this spacious lot provides a peaceful setting with plenty of room to create a custom home while enjoying privacy and the tranquility of mountain living.

    Todd Springer eXp Realty

    0 Grandview Point, Ellijay, GA 30536

Showing Results 361 - 400, Page 10 of 17

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