591

Flathead County MT Land & Home Lots for Sale

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  • /6

    $315,000

    • Land
    • 3.02 Acres
    • $104,305 per Acre

    164 Shepherd Trail, Kalispell, MT 59901

    Stunning West Valley 3+ acre parcel ready to build your dream home. Amazing mountain views, including Whitefish Mountain Ski Resort and the Swan Mountain Range. Only 20 minutes to downtown Whitefish and 10 minutes to Kalispell shopping. Septic already designed and approved.

    Ben Vanhelden PureWest Real Estate - Kalispell

    164 Shepherd Trail, Kalispell, MT 59901
  • /34

    $750,000

    • Land
    • 20 Acres
    • $37,000 per Acre

    300 Lindsey, Kalispell, MT 59901

    Looking for space to roam, relax, or just breathe a little deeper? This 20+ acre slice of Montana, located off Lindsay Lane on the east side of the Flathead Valley gives you the best of both worlds—seclusion in nature and easy access to town. Tucked into lush forestland with beautiful terrain and multiple build sites, this property has power at the boundary, a brand-new access driveway and no

    Rena Saunier Big Sky Properties of Montana, Inc.

    300 Lindsey, Kalispell, MT 59901
  • /33

    $460,000

    • Land
    • 1.43 Acres
    • $321,678 per Acre

    397 Saddlehorn Trail, Bigfork, MT 59911

    This Saddlehorn Trail lot offers a great building site and views towards the Swan Mountains. Like all Saddlehorn lots, 3 is bordered by permanent open space. Saddlehorn is a growing mountain community with awesome HOA amenities including the Chief Cliff overlook pavilion, presenting breathtaking views of Flathead lake and Blacktail mountain, the Clubhouse, complete with swimming pool and lounging

    Chuck Shields PureWest Real Estate - Bigfork

    397 Saddlehorn Trail, Bigfork, MT 59911
  • /33

    $450,000

    • Land
    • 1.61 Acres
    • $279,503 per Acre

    183 Pinto Trail, Big Fork, MT 59911

    Pinto Trail offers a private building location with views of the Swan Mountains and like all Saddlehorn lots, borders permanent open space. Purchase this lot and join the growing mountain community of Saddlehorn, with awesome HOA amenities including the Chief Cliff overlook pavilion, affording breathtaking western views of Flathead lake and Blacktail mountain, the Clubhouse, complete with

    Chuck Shields PureWest Real Estate - Bigfork

    183 Pinto Trail, Big Fork, MT 59911
  • /34

    $343,000

    • Land
    • 0.38 Acre
    • $902,632 per Acre

    150 Trading Post Trail, Big Fork, MT 59911

    This Trading Post Trail lot offers a great building site and views towards the North West. Like all Saddlehorn lots, C5 is bordered by permanent open space. Saddlehorn is a growing mountain community with awesome HOA amenities including the Chief Cliff overlook pavilion, presenting breathtaking views of Flathead lake and Blacktail mountain, the Clubhouse, complete with swimming pool and lounging

    Chuck Shields PureWest Real Estate - Bigfork

    150 Trading Post Trail, Big Fork, MT 59911
  • /30

    $210,000

    • Land
    • 0.55 Acre
    • $381,818 per Acre

    48 Bridle Ct, Bigfork, MT 59911

    Bridle Court offers a great building location just above the community clubhouse and pool and like all Saddlehorn lots, is bordered by permanent open space. Purchase this lot and join the growing mountain community of Saddlehorn, with awesome HOA amenities including the Chief Cliff overlook pavilion, affording breathtaking western views of Flathead lake and Blacktail mountain, the Clubhouse,

    Chuck Shields PureWest Real Estate - Bigfork

    48 Bridle Ct, Bigfork, MT 59911
  • /32

    $207,000

    • Land
    • 0.53 Acre
    • $390,566 per Acre

    40 Bridle Ct, Bigfork, MT 59911

    Bridle Court offers a great building location just above the community clubhouse and pool and like all Saddlehorn lots, is bordered by permanent open space. Purchase this lot and join the growing mountain community of Saddlehorn, with awesome HOA amenities including the Chief Cliff overlook pavilion, affording breathtaking western views of Flathead lake and Blacktail mountain, the Clubhouse,

    Chuck Shields PureWest Real Estate - Bigfork

    40 Bridle Ct, Bigfork, MT 59911
  • /33

    $375,000

    • Land
    • 0.45 Acre
    • $825,991 per Acre

    74 Trails End Ct, Bigfork, MT 59911

    This Trails End Court lot offers a level building site and close proximity to the Clubhouse and Pool. Like all Saddlehorn Lots, C52 is bordered by permanent open space. Saddlehorn is a growing mountain community with awesome HOA amenities including the Chief Cliff overlook pavilion, presenting breathtaking views of Flathead lake and Blacktail mountain, the Clubhouse, complete with swimming pool

    Chuck Shields PureWest Real Estate - Bigfork

    74 Trails End Ct, Bigfork, MT 59911
  • /33

    $363,000

    • Land
    • 1.20 Acres
    • $302,500 per Acre

    664 Saddlehorn Trail, Bigfork, MT 59911

    This Saddlehorn Trail lot offers a great building site and views towards the West and North. Lot 46 is bordered by permanent open space. Saddlehorn is a growing mountain community with awesome HOA amenities including the Chief Cliff overlook pavilion, presenting breathtaking views of Flathead lake and Blacktail mountain, the Clubhouse, complete with swimming pool and lounging area, the owner's

    Chuck Shields PureWest Real Estate - Bigfork

    664 Saddlehorn Trail, Bigfork, MT 59911
  • /34

    $340,000

    • Land
    • 0.35 Acre
    • $965,909 per Acre

    26 Trails End Ct, Bigfork, MT 59911

    This Trails End Court lot offers a flat building site with close proximity to the Clubhouse and Pool. Like all Saddlehorn Lots, C55 is bordered by permanent open space. Saddlehorn is a growing mountain community with awesome HOA amenities including the Chief Cliff overlook pavilion, presenting breathtaking views of Flathead lake and Blacktail mountain, the Clubhouse, complete with swimming pool

    Chuck Shields PureWest Real Estate - Bigfork

    26 Trails End Ct, Bigfork, MT 59911
  • /34

    $350,000

    • Land
    • 0.36 Acre
    • $972,222 per Acre

    62 Trails End Ct, Bigfork, MT 59911

    Newly Released Trails End Lot! Discover Lot C53 in the expertly revitalized Saddlehorn community—an exclusive 0.36-acre homesite tucked away at the private end of a quiet cul-de-sac. With a level build site and views of Flathead Lake, this lot offers the perfect setting for your dream home. Nestled in the charming artisanal town of Bigfork on the shores of Flathead Lake, Saddlehorn blends luxury

    Luke Underhill PureWest Real Estate - Bigfork

    62 Trails End Ct, Bigfork, MT 59911
  • /31

    $445,000

    • Land
    • 0.34 Acre
    • $1,308,824 per Acre

    381 Chief Cliff Trail, Bigfork, MT 59911

    Discover Lot C34 in the expertly revitalized Saddlehorn community—an exclusive 0.34-acre homesite and one of only a few remaining Chief Cliff lots left with sweeping Flathead Lake views. Offering a level build site, this lot offers the perfect setting for your custom dream home. Nestled in the charming artisanal town of Bigfork on the shores of Flathead Lake, Saddlehorn blends luxury living with

    Luke Underhill PureWest Real Estate - Bigfork

    381 Chief Cliff Trail, Bigfork, MT 59911
  • /26

    $410,000

    • Land
    • 1.08 Acres
    • $379,630 per Acre

    415 Saddlehorn Trail, Big Fork, MT 59911

    Welcome to Lot 5, a premier 1.08-acre homesite in the expertly revitalized Saddlehorn community. Set on a gently sloping hillside, this spacious lot offers breathtaking mountain views and an ideal setting for your custom dream home. Located in the picturesque artisan town of Bigfork, along the pristine shores of Flathead Lake, Saddlehorn seamlessly blends luxury living with Montana’s outdoor

    Luke Underhill PureWest Real Estate - Bigfork

    415 Saddlehorn Trail, Big Fork, MT 59911
  • /33

    $342,000

    • Land
    • 0.38 Acre
    • $900,000 per Acre

    162 Trading Post Trail, Big Fork, MT 59911

    Welcome to Lot C6, a premier 0.38-acre homesite in the expertly revitalized Saddlehorn community. This easy access Trading Post lot offers a gentle slope with views of Bigfork, creating an ideal setting for your custom dream home. Located in the picturesque artisan town of Bigfork, along the pristine shores of Flathead Lake, Saddlehorn seamlessly blends luxury living with Montana’s outdoor

    Luke Underhill PureWest Real Estate - Bigfork

    162 Trading Post Trail, Big Fork, MT 59911
  • /30

    $490,000

    • Land
    • 1.71 Acres
    • $286,550 per Acre

    401 Saddlehorn Trail, Big Fork, MT 59911

    Welcome to Lot 4, a premier 1.71-acre homesite in the expertly revitalized Saddlehorn community. Set on a gently sloping hillside, this spacious lot offers breathtaking mountain views and an ideal setting for your custom dream home. Located in the picturesque artisan town of Bigfork, along the pristine shores of Flathead Lake, Saddlehorn seamlessly blends luxury living with Montana’s outdoor

    Luke Underhill PureWest Real Estate - Bigfork

    401 Saddlehorn Trail, Big Fork, MT 59911
  • /33

    $371,000

    • Land
    • 1.03 Acres
    • $360,194 per Acre

    631 Saddlehorn Trail, Bigfork, MT 59911

    Welcome to Lot 19, a premier 1.03-acre homesite in the expertly revitalized Saddlehorn community. This spacious lot offers a level bench set into the sloping hillside creating an ideal setting for your custom dream home. Located in the picturesque artisan town of Bigfork, along the pristine shores of Flathead Lake, Saddlehorn seamlessly blends luxury living with Montana’s outdoor lifestyle.

    Luke Underhill PureWest Real Estate - Bigfork

    631 Saddlehorn Trail, Bigfork, MT 59911
  • /34

    $387,000

    • Land
    • 0.78 Acre
    • $496,154 per Acre

    210 Trading Post Trail, Bigfork, MT 59911

    Discover Lot C10 in the beautifully reimagined Saddlehorn community—an exclusive 0.78-acre homesite and one of the larger available lots on Trading Post Trail. With gently sloping terrain and mature stands of timber framing mountain views, this lot offers the perfect setting for your custom dream home. Nestled in the charming artisanal town of Bigfork on the shores of Flathead Lake, Saddlehorn

    Luke Underhill PureWest Real Estate - Bigfork

    210 Trading Post Trail, Bigfork, MT 59911
  • /34

    $365,000

    • Land
    • 0.50 Acre
    • $730,000 per Acre

    14 Trails End Ct, Bigfork, MT 59911

    Newly Released Trails End Lot! Discover Lot C56 in the expertly revitalized Saddlehorn community, an exclusive .50-acre homesite tucked away in a quiet cul-de-sac. With a level build site and close proximity to the clubhouse & pool, this lot offers the perfect setting for your dream home. Nestled in the charming artisanal town of Bigfork on the shores of Flathead Lake, Saddlehorn blends luxury

    Luke Underhill PureWest Real Estate - Bigfork

    14 Trails End Ct, Bigfork, MT 59911
  • /32

    $220,000

    • Land
    • 0.51 Acre
    • $431,373 per Acre

    24 Bridle Ct, Bigfork, MT 59911

    Discover Lot C24 in the expertly revitalized Saddlehorn community—an exclusive 0.51-acre homesite on Bridle Court. With its gently sloped terrain and close proximity to the clubhouse and pool, this lot offers the perfect setting for your walkout basement dream home. Nestled in the charming artisanal town of Bigfork on the shores of Flathead Lake, Saddlehorn blends luxury living with outdoor

    Luke Underhill PureWest Real Estate - Bigfork

    24 Bridle Ct, Bigfork, MT 59911
  • /34

    $995,000

    • Land
    • 0.90 Acre
    • $1,110,491 per Acre

    253 Chief Cliff Trail, Bigfork, MT 59911

    Lot 41, at nearly an acre, is one of the best view building lots in the Saddlehorn Mountain community. Acquire this lot & join the growing mountain community of Saddlehorn, with awesome HOA amenities including the Chief Cliff overlook pavilion, affording breathtaking western views of Flathead lake and Blacktail mountain, the Clubhouse, with swimming pool & lounging area, the owner's lakefront

    Steve Dooling PureWest Real Estate - Bigfork

    253 Chief Cliff Trail, Bigfork, MT 59911
  • /32

    $354,000

    • Land
    • 1.04 Acres
    • $339,406 per Acre

    453 Chief Cliff Trail, Bigfork, MT 59911

    Come be a part of the Saddlehorn Mountain community! Check out this fantastic building lot on Chief Cliff Trail. At 1.04 acres, this lot provides wonderful views of the mountains, and like all Saddlehorn lots, is surrounded by green space. Located in the artisanal town of Bigfork on the shores of Flathead Lake, Saddlehorn members will enjoy amenities such as a private lakefront Members Lounge,

    Steve Dooling PureWest Real Estate - Bigfork

    453 Chief Cliff Trail, Bigfork, MT 59911
  • /35

    $300,000

    • Land
    • 0.31 Acre
    • $967,742 per Acre

    148 Trading Post Trail, Bigfork, MT 59911

    With the purchase of this 0.31 acres building lot comes the added bonus of being in the Saddlehorn community! Located in the artisanal town of Bigfork on the shores of Flathead Lake, Saddlehorn members will enjoy amenities such as a private lakefront Members Lounge in Woods Bay, complete with the bar & grill being operated by MacKenzie River Pizza, the marina & Boathouse, the Saddlehorn Clubhouse

    Steve Dooling PureWest Real Estate - Bigfork

    148 Trading Post Trail, Bigfork, MT 59911
  • /39

    $352,000

    • Land
    • 0.37 Acre
    • $943,700 per Acre

    186 Trading Post Trail, Big Fork, MT 59911

    Welcome to Saddlehorn Mountain Community! This 0.37 acre building lot has mountain views and is close to Bigfork yet private. Located in the artisanal town of Bigfork on the shores of Flathead Lake, Saddlehorn members will enjoy amenities such as a private lakefront Members Lounge in Woods Bay, complete with the bar & grill being operated by MacKenzie River Pizza, the marina & Boathouse, the

    Steve Dooling PureWest Real Estate - Bigfork

    186 Trading Post Trail, Big Fork, MT 59911
  • /29

    $335,000

    • Land
    • 0.63 Acre
    • $534,290 per Acre

    222 Trading Post Trail, Big Fork, MT 59911

    Welcome to the Saddlehorn Mountain Community! This 0.63 acre building lot has mountain views, all utilities are at the curb and is super close to Bigfork yet private. Located in the artisanal town of Bigfork on the shores of Flathead Lake, Saddlehorn members will enjoy amenities such as a private lakefront Members Lounge in Woods Bay, complete with the bar & grill being operated by MacKenzie

    Steve Dooling PureWest Real Estate - Bigfork

    222 Trading Post Trail, Big Fork, MT 59911
  • /39

    $370,000

    • Land
    • 0.62 Acre
    • $592,949 per Acre

    205 Trading Post Trail, Bigfork, MT 59911

    Lot C46 sports views of the Swan Mtns, peekaboo views of the lake and, like all Saddlehorn lots, borders permanent open space. Acquire this lot & join the growing mountain community of Saddlehorn, with awesome HOA amenities including the Chief Cliff overlook pavilion, affording breathtaking western views of Flathead lake and Blacktail mountain, the Clubhouse, with swimming pool & lounging area,

    Steve Dooling PureWest Real Estate - Bigfork

    205 Trading Post Trail, Bigfork, MT 59911
  • /32

    $300,000

    • Land
    • 0.34 Acre
    • $882,353 per Acre

    258 Trading Post Trail, Bigfork, MT 59911

    Here's a great opportunity to get into the mountain lifestyle community called Saddlehorn! This 0.34 acre building lot with mountain and peek-a-boo views of Flathead Lake is ready for your dream home in a dream community! Located in the artisanal town of Bigfork on the shores of Flathead Lake, Saddlehorn members will enjoy amenities such as a private lakefront Members Lounge, complete with bar &

    Steve Dooling PureWest Real Estate - Bigfork

    258 Trading Post Trail, Bigfork, MT 59911
  • /34

    $300,000

    • Land
    • 0.35 Acre
    • $859,599 per Acre

    246 Trading Post Trail, Bigfork, MT 59911

    This Trading Post lot offers a level building site, peekaboo Lake & Bigfork village views & like all Saddlehorn lots, is bordered by permanent open space. Acquire this lot & join the growing mountain community of Saddlehorn, with awesome HOA amenities including the Chief Cliff overlook pavilion, affording breathtaking western views of Flathead lake and Blacktail mountain, the Clubhouse, with

    Steve Dooling PureWest Real Estate - Bigfork

    246 Trading Post Trail, Bigfork, MT 59911
  • /35

    $355,000

    • Land
    • 0.37 Acre
    • $964,674 per Acre

    50 Trails End Ct, Bigfork, MT 59911

    This Trails End Court is a newly created building lot, level with peekaboo views of the lake & village & like all Saddlehorn lots, is bordered by open space. Close to the Clubhouse and pool. Acquire this lot & join the growing mountain community of Saddlehorn, with awesome HOA amenities including the Chief Cliff overlook pavilion, affording breathtaking western views of Flathead lake & Blacktail

    Steve Dooling PureWest Real Estate - Bigfork

    50 Trails End Ct, Bigfork, MT 59911
  • /12

    $299,900

    • Land
    • 4.99 Acres
    • $60,100 per Acre

    468 Haskill Ranch Rd, Kila, MT 59920

    Welcome to Haskill Mountain Ranch. This is a rare opportunity to live in a private gated, wooded community just a short 30-minute paved drive from Kalispell MT. The 5-acre property is ready for your home plans. This premier subdivision is bordered by 1000's of acres of Flathead National Forest. You can enjoy the deer, elk, birds and other wildlife that frequent this property from your back

    Angela Olsen Keller Williams Realty Northwest Montana

    468 Haskill Ranch Rd, Kila, MT 59920
  • /12

    $279,900

    • Land
    • 2.45 Acres
    • $114,245 per Acre

    216 Glacier Ranch Rd, Kalispell, MT 59901

    FIRST TIME ON THE MARKET FOR OVER 25 YEARS! This is a great 2.45 acre building site located in a private country subdivision on the edge of Kalispell. The terrain is sloped with some benches for your dream home and nicely wooded creating that mountain feeling. Fantastic valley and mountain views are possible with the clearing of some trees. This has it all - Peaceful living while just minutes

    Christine Noel No Doubt Land Company

    216 Glacier Ranch Rd, Kalispell, MT 59901
  • /6

    $2,100,000

    • Land
    • 10 Acres
    • $210,000 per Acre

    NHN U S 93 S, Kalispell, MT 59901

    Prime commercial acreage with beautiful views into the gap (Glacier Park) and up to Whitefish Ski Resort, bordering Stillwater Slough on its NE corner, is ready for your new development. Property is zoned light industrial and sits outside city limits, 1.1 miles from the new Amazon location, but close to the city services paralleling Hwy 93 S if one chooses to connect. Land is located east of Hwy

    Jon Mohatt Kelly Right Real Estate of Montana LLC - Kalispell

    NHN U S 93 S, Kalispell, MT 59901
  • /45

    $400,000

    • Land
    • 13 Acres
    • $31,974 per Acre

    Lot 6A Wild Bill Rd, Kila, MT 59920

    Remarks: Wild Bill Reserve is a newly established community with beautifully wooded lots consisting of a variety of spruce, pine, and larch. This 12.51 acre lot has scenic views. Building site is established and has power. The property is one minute from Flathead National Forest which is a gateway to endless recreational opportunity. Wild Bill Trailhead is close by. The city of Kalispell, with

    Dennis Bennett PureWest Real Estate - Polson

    Lot 6A Wild Bill Rd, Kila, MT 59920
  • /21

    $549,900

    • Land
    • 17 Acres
    • $31,768 per Acre

    301 Haskill Ranch Rd, Kila, MT 59920

    Bordered by Forest Service this 17.31-acre lot is what dreams are made of. This is a rare opportunity to live in a private gated, wooded community just a short paved 30-minute drive from Kalispell MT. The 17.31-acre property is ready for your home plans and your horses. This premier subdivision is bordered by 1000's of acres of Flathead National Forest. You can enjoy the deer, elk, birds and

    Angela Olsen Keller Williams Realty Northwest Montana

    301 Haskill Ranch Rd, Kila, MT 59920
  • /9

    $274,500

    • Land
    • 4.40 Acres
    • $62,372 per Acre

    422 Haskill Ranch Rd, Kila, MT 59920

    Welcome to Haskill Mountain Ranch your home for adventure. Build your dream home on this 4.40-acre lot in this private gated community that features paved roads, electric to the lot line and recreational opportunities out your front door. Wild Bill recreation area is a short distance away, as well as thousands of acres of National Forest Service land to explore. Enjoy quiet evenings watching the

    Angela Olsen Keller Williams Realty Northwest Montana

    422 Haskill Ranch Rd, Kila, MT 59920
  • /4

    $130,000

    • Land
    • 8 Acres
    • $16,645 per Acre

    771 Jackson Meadows Rd, Kila, MT 59920

    **SELLER OFFERING 10K Buyers Concession at Closing towards bringing Electric to the parcel, **SELLER FINANCING AVAILABLE! ESCAPE TO YOUR OWN RETREAT with this picturesque 7.81 Acre parcel nestled towards the end of the road. Embrace the serenity of gorgeous views and mature trees surrounding your future oasis. With NO restrictive covenants, NO HOA, electric nearby, & southern exposure, the

    Janine Rubinfier Keller Williams Realty Northwest Montana

    771 Jackson Meadows Rd, Kila, MT 59920
  • /18

    $299,999

    • Land
    • 5 Acres
    • $59,880 per Acre

    445 Haskill Ranch Rd, Kila, MT 59920

    Welcome to Haskill Mountain Ranch subdivision. This amazing new community is bordered by Flathead National Forest. This 5-acre property is wooded and very private. Just a 30-minute paved drive from Kalispell you will never be far from home. Enjoy watching deer, elk, birds and other wildlife out your front door. There are roughly 4 miles of paved roads and 28 acres of common area in this unique

    Angela Olsen Keller Williams Realty Northwest Montana

    445 Haskill Ranch Rd, Kila, MT 59920
  • /11

    $2,550,000

    • Land
    • 88 Acres
    • $28,955 per Acre

    NHN N Fork Rd, Columbia Falls, MT 59912

    Position your business or development in the heart of Northwest Montana’s industrial corridor. This 88.07-acre site offers dual CI-1 and CI-2 zoning, making it an ideal location for manufacturing, logistics, heavy equipment storage, or tech/data center operations. Direct adjacency to BNSF and Amtrak lines offers potential rail spur access. City water and sewer are available. Scenic views of the

    Jeff Raper National Parks Realty - Whitefish

    NHN N Fork Rd, Columbia Falls, MT 59912
  • /29

    $375,000

    • Land
    • 9 Acres
    • $42,040 per Acre

    865 Lone Osprey Ridge, Somers, MT 59932

    Set against the stunning backdrop of Montana’s peaks, this 8.92-acre parcel offers a rare opportunity to build your dream home or retreat just minutes from Flathead Lake. With level building sites, gently rolling terrain, and power and telephone already to the property line, much of the groundwork is in place. Sanitation approval is current, so you can move forward with plans for a well and

    Kara Chapman Performance Real Estate, Inc.

    865 Lone Osprey Ridge, Somers, MT 59932
  • /22

    $389,000

    • Land
    • 9 Acres
    • $44,713 per Acre

    238 Haskill Ranch Rd, Kila, MT 59920

    Welcome to the Haskill Mountain Ranch Subdivision. This beautiful lot with easy paved access 30 minutes to Kalispell in a private gated community is an outdoor lover's dream. Thousands of acres of the Flathead National Forest border this subdivision. Enjoy deer, elk, and various species of birds on your secluded 8.7-acre lot. There are roughly 4 miles of paved roads within this community and 28

    Angela Olsen Keller Williams Realty Northwest Montana

    238 Haskill Ranch Rd, Kila, MT 59920
  • /15

    $299,000

    • Land
    • 4.37 Acres
    • $68,421 per Acre

    178 Sickler Creek Rd, Marion, MT 59925

    Fantastic, level 4.37 acre lot in Marion with easy access off Hwy 2 West. This property has been already been improved with a road roughed in, tree thinning/stump removal and clearing has been done for a home and shop. 400 amp electrical service with dual transfer switches for a backup generator has been run to the proposed building site. In addition a 50 amp RV hookup has been installed. The

    Melissa Santa RE/MAX River View

    178 Sickler Creek Rd, Marion, MT 59925

Showing Results 281 - 320, Page 8 of 15

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