1,523

Flathead County MT Homes for Sale

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  • /75

    $999,990

    • 3 Beds
    • 2.5 Baths
    • 2,188 Sq Ft

    1844 Echo Cabin Loop, Bigfork, MT 59911

    Echo Lake Waterfront Gem with Modern Remodel! This is a DNRC State lease. The home underwent a total remodel in 2025, modernizing it yet maintaining a bit of rustic charm. The gourmet kitchen offers high-end appliances and custom cabinetry, while hard floors run throughout the home. Expansive windows and a deck showcase stunning lake and mountain views, bathing the open-concept living area in

    Alida Tinch Beckman's Real Estate

    1844 Echo Cabin Loop, Bigfork, MT 59911
  • /42

    $179,000

    • Land
    • 2.02 Acres
    • $88,746 per Acre

    324 Kathy Lake Ln, Kalispell, MT 59901

    Over 2 treed & secluded acres in Many Lakes with Kathy Lake frontage. This nicely sloped, south-facing lot features excellent terrain for a walk-out basement on a private little knob, allowing sunrises to filter through the trees. The parcel also borders a natural park, an undeveloped green space that adds to the lot’s privacy. Many Lakes is a wooded neighborhood SE of Kalispell and north of

    Matt Smith Keller Williams Realty Northwest Montana

    324 Kathy Lake Ln, Kalispell, MT 59901
  • /51

    $1,799,900

    • 4 Beds
    • 3 Baths
    • 3,288 Sq Ft

    43 Pine Cone Ln, Kalispell, MT 59901

    Welcome to a rare opportunity in one of the most coveted rural pockets just outside of Whitefish, with the added convenience of being a short drive to Kalispell. This rolling 10-acre property backs up to the pristine 1,500-acre Kuhn’s Wildlife Preserve, offering a lifestyle that blends natural beauty, privacy, and accessibility. Surrounded by mature trees and panoramic views of mountains and

    Megan Warren NextHome Northwest Real Estate

    43 Pine Cone Ln, Kalispell, MT 59901
  • /36

    $550,000

    • Land
    • 19.94 Acres
    • $27,577 per Acre

    Nhn (Tract 9) Boon Rd, Somers, MT 59932

    Escape to nearly 20 acres of pure Montana beauty with panoramic views stretching across Flathead Lake and the surrounding mountains. This 19.944-acre property offers a rare opportunity to create a private retreat where quiet and open space abound. With power nearby and endless room to design your ideal layout, it’s a blank canvas ready for your vision—whether that’s a secluded getaway, a

    Andrew Burgi Performance Real Estate, Inc.

    Nhn (Tract 9) Boon Rd, Somers, MT 59932
  • /44

    $1,290,000

    • 3 Beds
    • 3.5 Baths
    • 1,457 Sq Ft

    114 Jasper Loop, Whitefish, MT 59937

    This beautifully appointed condo offers the perfect blend of comfort, style, and convenience, making it an exceptional investment opportunity with a strong rental history and consistent income potential. Nestled just minutes from downtown and the shores of stunning Whitefish Lake, this upscale retreat features breathtaking mountain views, high-end finishes, and full access to premium clubhouse

    Stacy Kasell PureWest Real Estate - Whitefish

    114 Jasper Loop, Whitefish, MT 59937
  • /43

    $1,479,000

    • 3 Beds
    • 2 Baths
    • 2,320 Sq Ft

    339 Haskill Basin Rd, Whitefish, MT 59937

    Opportunities like this in Haskill Basin are few and far between. Just minutes from downtown Whitefish, Glacier National Park, and Whitefish Mountain Resort, this 2.45-acre property pairs an unbeatable location with amenities that are nearly impossible to find. The crown jewel is the brand-new 4,000 sq. ft. heated shop—a dream setup with radiant-heated concrete floors, four oversized garage bays,

    Elisabeth McGavin Revel Real Estate, Inc

    339 Haskill Basin Rd, Whitefish, MT 59937
  • /33

    $174,900

    • Land
    • 0.23 Acre
    • $773,894 per Acre

    118 Beville Ct, Kalispell, MT 59901

    Discover the ideal spot to bring your dream home to life in West Valley! This 0.23-acre residential lot is tucked away on a quiet cul-de-sac in a lovely community featuring a tranquil creek and picturesque landscape, along with access to a private HOA playground.The lot offers a fantastic slope, ideal for a daylight basement, with elevated mountain views right from your future doorstep.

    Sandra West eXp Realty - Kalispell

    118 Beville Ct, Kalispell, MT 59901
  • /43

    $630,000

    • 4 Beds
    • 3 Baths
    • 2,050 Sq Ft

    194 Arbour Dr, Kalispell, MT 59901

    4 bedroom, 3 bathroom home in a prime central location. Nestled in a well established neighborhood with mature trees, this property offers privacy and a peaceful setting while still being close to town. The split floor plan is both cozy and functional, and an additional living space behind the garage provides endless possibilities as a hobby room, extra living area, or potential separate

    Anthony Fleming eXp Realty - Kalispell

    194 Arbour Dr, Kalispell, MT 59901
  • /60

    $644,000

    • 3 Beds
    • 3 Baths
    • 2,057 Sq Ft

    214 Lakeshore Dr, Kalispell, MT 59901

    Wonderful opportunity for a new owner of this well-loved one-owner family home in coveted Lake Shore Heights. Three bedrooms/two bathrooms on the main level plus a large office/bonus room, Spanish tile floor, new carpeting, gas fireplace in the sunken living room, air conditioning. Unfinished basement with additional 3/4 bathroom offers multiple possibilities; triple attached garage, and

    Judy Fountain Western Brokers

    214 Lakeshore Dr, Kalispell, MT 59901
  • /28

    $559,000

    • 3 Beds
    • 2 Baths
    • 1,903 Sq Ft

    101 Blue Crest Dr, Kalispell, MT 59901

    One-level living with a park next door. This nicely appointed 3-bedroom, 2-bath rancher offers a cozy yet open floor plan with a generous vaulted-ceiling living room including a nice gas fireplace, a large custom kitchen with beautiful cabinetry, a large dining counter and a pantry. Adjacent to the custom kitchen is a large dining area with a built-in office space opening to a large covered back

    Jeff Wilson NextHome Northwest Real Estate

    101 Blue Crest Dr, Kalispell, MT 59901
  • /61

    $475,000

    • 3 Beds
    • 2 Baths
    • 2,356 Sq Ft

    577 6th Avenue West N, Kalispell, MT 59901

    Traditional charm describes this 2,356 sq ft 3bd+ ranch-style home with full finished basement, centrally located in an established neighborhood close to all services in the valley. The main floor features abundant natural light for 3 bedrooms, 2 full baths, living room with wood-burning fireplace, dining, kitchen, laundry and sitting room. Lower level offers two nonconforming bedrooms (or use

    Barb Riley PureWest Real Estate at Meadow Lake - Columbia Falls

    577 6th Avenue West N, Kalispell, MT 59901
  • /66

    $1,100,000

    • 5 Beds
    • 3 Baths
    • 2,888 Sq Ft

    134 Tronstad Rd, Kalispell, MT 59901

    This spacious custom built 5-bedroom, 3-bathroom, 2,888 sqft home offers a country feeling and is just minutes from town. The home includes features such as vaulted ceilings, custom kitchen cabinets, laminate wood flooring, daylight walk-out basement, and an Efficient Electric Heat Pump that gives you comfortable heat in the winter and Cool Air in the Summer. Enjoy the majestic mountain views

    Patrick Sapa RE/MAX Whitefish

    134 Tronstad Rd, Kalispell, MT 59901
  • /49

    $659,000

    • 3 Beds
    • 2.5 Baths
    • 2,043 Sq Ft

    582 Holstein Way, Kalispell, MT 59901

    Enjoy your Flathead Valley lifestyle in this beautiful modern home, located in the highly desirable Starling Community. Just minutes from healthcare, shopping, and a plethora of recreational opportunities. This property offers unparalleled convenience. No feature has been overlooked in this high efficiency modern design. An open floor plan with abundant natural light, ample closets, cozy

    Gretchen Lancaster Lancaster and Company, Premier Properties

    582 Holstein Way, Kalispell, MT 59901
  • /45

    $520,000

    • 3 Beds
    • 2 Baths
    • 1,344 Sq Ft

    116 Trevino Dr, Kalispell, MT 59901

    Welcome to this beautifully updated home in one of Kalispell’s premier golf course communities, where updated design meets Montana living. The heart of the home is a stunning kitchen featuring a large island, modern butcher block countertops, stainless steel appliances, and a freestanding gas stove—perfect for gatherings or quiet evenings in. Tasteful updates include new flooring and fresh paint

    Tracey Hall Ideal Real Estate

    116 Trevino Dr, Kalispell, MT 59901
  • /14

    $465,000

    • 3 Beds
    • 2 Baths
    • 1,264 Sq Ft

    38 Vanderbilt Dr, Kalispell, MT 59901

    Nestled at 38 Vanderbilt DRIVE, Kalispell, this single-family residence offers a wonderful opportunity to embrace the serene Montana lifestyle. The residence features three bedrooms, allowing for comfortable accommodation and flexible usage of space. With two bathrooms, mornings become a breeze, offering convenience and privacy for all. A two-space garage provides shelter for vehicles and

    Gina Ellis Engel & Völkers Western Frontier - Whitefish

    38 Vanderbilt Dr, Kalispell, MT 59901
  • /26

    $1,540,000

    • Land
    • 1.24 Acres
    • $1,241,935 per Acre

    485 Elk Highlands Dr, Whitefish, MT 59937

    A skier’s dream: this beautiful 1.24-acre homesite on the sought-after south slope of Big Mountain in Northern Lights West offers panoramic views and exceptional access to mountain adventure. Enjoy sweeping western vistas of the Salish Mountains and filtered views of Whitefish Lake from your private, naturally wooded setting. Nestled among mature trees and native huckleberry bushes, the property

    Jennifer Robinson Glacier Sotheby's International Realty Whitefish

    485 Elk Highlands Dr, Whitefish, MT 59937
  • /107

    $1,975,000

    • 3 Beds
    • 2.5 Baths
    • 2,120 Sq Ft

    7225 Farm To Market Rd, Whitefish, MT 59937

    Breathtaking sunrises and sunsets await you! This classic home has all weather porches on both sides, so you can bask in the sun or relax in the shade. Primary suite has a large walk-in closet, as well as a picturesque deck with sweeping views of Big Mountain and the surrounding mountain range. 3 bedrooms and 3 baths, with classic wood framed windows as well as hardwood floors throughout. Open

    Aaron Norton Keller Williams Realty Northwest Montana

    7225 Farm To Market Rd, Whitefish, MT 59937
  • /64

    $699,000

    • 4 Beds
    • 2.5 Baths
    • 4,987 Sq Ft

    444 S Meridian Rd, Kalispell, MT 59901

    Experience the unique blend of history and modern living in downtown Kalispell, where local shops, dining, breweries, and year round community events are just moments away. This beautifully updated ranch-style home offers thoughtful design, comfort, and versatility throughout. The heart of the home is a remodeled kitchen with Wi-Fi-enabled appliances, flowing seamlessly into a spacious dining

    Austin Baumgarten Keller Williams Realty Northwest Montana

    444 S Meridian Rd, Kalispell, MT 59901
  • /31

    $425,000

    • 3 Beds
    • 1.5 Baths
    • 1,613 Sq Ft

    486 7th Ave W, Kalispell, MT 59901

    Experience the perfect balance of timeless craftsmanship and modern comfort in this inviting 3-bedroom, 2-bath home with over 1,600 sq ft of living space. Original hardwood floors and the solid feel of classic construction are complemented by stylish updates, including an elegant curved archway that brings distinctive character. The lower level, if enhanced with egress windows, would offer the

    Tara Harbin National Parks Realty - Bigfork

    486 7th Ave W, Kalispell, MT 59901
  • /52

    $849,000

    • 3 Beds
    • 2.5 Baths
    • 2,572 Sq Ft

    207 Fieldstone Dr, Kalispell, MT 59901

    Don't miss this beautiful home set on 4.5 usable acres, offering the perfect balance of country living, convenience, and the rare opportunity of allowing horses. The open-concept floor plan features vaulted ceilings and multiple levels, creating a spacious yet functional layout. Energy-efficient with a heat pump and cozy wood stove, the home is designed for year-round comfort. The unfinished

    Collette Bauer Infinity Real Estate

    207 Fieldstone Dr, Kalispell, MT 59901
  • /105

    $2,799,000

    • 5 Beds
    • 4.5 Baths
    • 7,277 Sq Ft

    556 Windy Acres Dr, Columbia Falls, MT 59912

    Rustic Montana Retreat on 3.25 Acres. This stunning property offers endless potential as a wedding venue or private mountain getaway. Nestled in the heart of Montana's natural beauty, the retreat features a charming log-accented home inside & out with warm, rustic appeal with 3 bedrooms & 3 baths. A spacious barn with a brand new hayloft studio apartment above provides extra lodging or income

    Orlin Gravelle Glacier Real Estate of Montana

    556 Windy Acres Dr, Columbia Falls, MT 59912
  • /65

    $475,000

    • 4 Beds
    • 1.5 Baths
    • 1,999 Sq Ft

    679 1/2 4th Ave E, Kalispell, MT 59901

    Charming Kalispell Home with Room to Live, Work & Play located blocks from Russell Elementary School!Welcome to 679 4th Ave WN in Kalispell, a spacious 4-bedroom, 2-bath home offering 1,999 sq ft of comfort and versatility. Featuring two inviting living areas, this home provides plenty of room for gatherings, relaxation, or hobbies. The attached one-car garage has been thoughtfully converted

    Leah Lindsay Montana Property Angels

    679 1/2 4th Ave E, Kalispell, MT 59901
  • /34

    $1,499,900

    • 3 Beds
    • 2 Baths
    • 2,463 Sq Ft

    962 White Fawn Ln, Kalispell, MT 59901

    Welcome to your Montana masterpiece—where luxury meets landscape. This newly constructed Barndominium sits on nearly 5 acres of pristine countryside, offering million-dollar panoramic mountain views, timeless barn-style architecture, and upscale amenities designed for refined living.From the moment you arrive via the curved gravel driveway, the attention to detail is unmistakable—from the

    Travis Peterson Western Brokers

    962 White Fawn Ln, Kalispell, MT 59901
  • /106

    $950,000

    • 4,576 Sq Ft

    300 Jay Hawk Ln, Columbia Falls, MT 59912

    Unique investment opportunity with 5 income-producing units plus an RV site, all situated on 2.96 shared acres with perimeter fencing and mature landscaping. Included is a manufactured home divided into Unit A, a three-bedroom, one-bath, and Unit B, a one-bedroom, one-bath. A versatile shop building with lean-tos for additional storage features Unit 1, a one-bedroom, one-bath apartment on the

    Kyhl Pfankuch Performance Real Estate, Inc.

    300 Jay Hawk Ln, Columbia Falls, MT 59912
  • /28

    $1,225,000

    • 1 Bed
    • 1 Bath
    • 707 Sq Ft

    2178 Snowghost Dr, Whitefish, MT 59937

    Seller will entertain owner financing. A rare opportunity in Whitefish! Just under 9 ACRES in the prime Northwoods neighborhood, offering ULTIMATE privacy while just 10 minutes to downtown and 15 minutes to Whitefish Mountain Resort. BORDERING massive acreage of Stoltze Lumber land with direct trail access, this property is primed for your dream Montana home with multiple level building sites, a

    Sonja Burgard National Parks Realty - Whitefish

    2178 Snowghost Dr, Whitefish, MT 59937
  • /103

    $954,900

    • 3 Beds
    • 2 Baths
    • 2,619 Sq Ft

    211 McWenneger Dr, Kalispell, MT 59901

    Discover comfortable luxury and captivating mountain views with this newly available residence in the desirable north Creston area. Thoughtfully designed, with upgrades throughout, this home is a true masterpiece of style and function, offering a seamless blend of elegance, comfort, and open-concept living that flows naturally between indoor and outdoor spaces. Step through the grand entrance

    Cherie Hansen Glacier Sotheby's International Realty Bigfork

    211 McWenneger Dr, Kalispell, MT 59901
  • /14

    $25,500

    • 3 Beds
    • 2 Baths
    • 1,162 Sq Ft

    32 Alder Way Unit 4C, Whitefish, MT 59937

    Fractional Ownership Opportunity in Ptarmigan Village!This turnkey three-bedroom unit, comfortably sleeping up to eight, offers five weeks of ownership each year. One week remains available in the 2025 season, with the 2026 schedule to be announced in October. Ideally located near Whitefish Mountain Resort, you’ll enjoy world-class skiing in the winter and private access to Whitefish Lake in

    Nicole Marengo RE/MAX Rocky Mountain Real Estate

    32 Alder Way Unit 4C, Whitefish, MT 59937
  • /53

    $1,249,000

    • 4 Beds
    • 2.5 Baths
    • 3,288 Sq Ft

    306 Plantation Dr, Kalispell, MT 59901

    Price improvement! Nestled in the peaceful Plantation Pines neighborhood, this beautiful 4-bedroom, 2.5-bath home offers the perfect blend of privacy and convenience. Located between Whitefish and Kalispell, and within the Whitefish School District, this home provides the ideal location for easy access to both towns while enjoying a serene, natural setting and wooded mountain views. Step inside

    Doryce Hawkins Real Broker, LLC

    306 Plantation Dr, Kalispell, MT 59901
  • /21

    $1,445,000

    • Land
    • 4 Acres
    • $361,250 per Acre

    11 Grigg Rd, Helena Flats, MT 59901

    Four-acre parcel in a prime location, by the airport with Hwy 2 frontage and no covenants! Scenic corridor zoning allows for multiple commercial possibilities with easy access! Minutes to Hutton Ranch Plaza. Featuring stunning views of Glacier National Park the property includes a shop (30'x 50') with a lean-to addition (15'x 50') Each has a separate entry, with power already connected. A well

    Natalya Shvets Keller Williams Realty Northwest Montana

    11 Grigg Rd, Helena Flats, MT 59901
  • /21

    $1,989,000

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

    327 Spokane Ave, Whitefish, MT 59937

    PRIME DOWNTOWN WHITEFISH LOCATION! This downtown Whitefish home has a kitchen and bath in the lower level. The upstairs has open space and a half bath for living space. Their is a gorgeous courtyard in the back for relaxing and dining. Located on Spokane Avenue, the main corridor through town. Zoned WB-3, it offers a range of permitted uses and generous design guidelines. See zoning in

    Sharon Kahle RE/MAX Whitefish

    327 Spokane Ave, Whitefish, MT 59937
  • /91

    $1,424,000

    • 5 Beds
    • 3.5 Baths
    • 4,433 Sq Ft

    239 Stage Ridge Rd, Bigfork, MT 59911

    Discover this stunning 4,000+ SF quality-built home on 1.57 acres in a peaceful cul-de-sac on the edge of town. Walking distance to Wild Mile Trail, Bigfork schools, and downtown, backing to equestrian trails and wooded acreage, with all of the Flathead Valley amenities and Glacier Park within an hour's drive. Built in 2004, this 5-bed, 4-bath gem features peek-a-boo lake views from master and

    Angela Killian Berkshire Hathaway HomeServices - Bigfork

    239 Stage Ridge Rd, Bigfork, MT 59911
  • /55

    $1,100,000

    • 4 Beds
    • 3.5 Baths
    • 3,834 Sq Ft

    129 Foothill Trail, Kalispell, MT 59901

    Incredibly rare property on nearly 5 level acres located off the desirable Foothill Road in-between Bigfork and Kalispell. This 4 bedroom, 3.5 bathroom beautiful custom home features easy access, 3 bedrooms including the primary on the main level, vaulted ceilings, granite countertops and a gorgeous river rock gas fireplace. Upstairs includes a large bedroom/bonus room with a 1/2 bathroom. There

    Melissa Santa RE/MAX River View

    129 Foothill Trail, Kalispell, MT 59901
  • /28

    $578,000

    • 3 Beds
    • 2 Baths
    • 2,074 Sq Ft

    56 W Northview Loop, Kalispell, MT 59901

    Beautiful ranch home located in a desirable subdivision close to shopping and healthcare amenities. This home is move in ready offering 3 bedrooms as well as an office that could easily be used as a 4th bedroom, 2 full bathrooms, attached two car garage, a nice patio area with a fully fenced yard. This home is a must see!

    Kayla Shields Kelly Right Real Estate of Montana LLC - Kalispell

    56 W Northview Loop, Kalispell, MT 59901
  • /29

    $599,000

    • Land
    • 10.1 Acres
    • $59,307 per Acre

    615 Swan Hill Dr, Bigfork, MT 59911

    NO COVENANTS!! This property located on Swan Hill is nestled in the outskirts of Bigfork, MT this 10 acre property offers an abundance of views and options! With multiple build sites you can pick and choose which view you want to capture on a daily basis. The lower build lot is prepped with a concrete foundation and building plans. If the upper build lot is your preference, site work is already

    Kayla Warburton Keller Williams Realty Northwest Montana

    615 Swan Hill Dr, Bigfork, MT 59911
  • /37

    $839,000

    • 3 Beds
    • 2 Baths
    • 2,628 Sq Ft

    1040 Cowboy Way, Columbia Falls, MT 59912

    Nestled on 2.9 acres with sweeping views of the Columbia Mountain Range, this meticulously remodeled log home—taken down to the studs in 2024—offers a harmonious blend of rustic charm and modern comfort. The thoughtfully designed 3-bedroom, 2-bath residence features a spacious and private primary suite complete with a generous walk-in closet, dual-sink vanity, tiled shower, and serene mountain

    Karen Thomas 5 Star Realty

    1040 Cowboy Way, Columbia Falls, MT 59912
  • /50

    $515,000

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

    237 Commons Way, Kalispell, MT 59901

    Here’s the perfect home for your next chapter in Buffalo Commons! This immaculately maintained 3-bedroom, 2-bathroom plus office retreat townhome offers the charm of single-level living with the convenience of low-maintenance care—thanks to an HOA that lovingly tends to the exterior and common spaces. With 1,589 sq. ft. of thoughtfully designed space, this home is as flexible as it is functional.

    Leah Lindsay Montana Property Angels

    237 Commons Way, Kalispell, MT 59901
  • /6

    $450,000

    • Land
    • 5.23 Acres
    • $86,042 per Acre

    1126 Columbia Falls Stage Rd, Columbia Falls, MT 59912

    Views of the Swan and Whitefish Mountain Resort abound on this level 5.23 acre lot in south Columbia Falls near everything the Flathead has to offer! Close to skiing, Glacier Park, lakes and rivers all around for watersport enthusiasts. Well is in and septic approved. Just needs your dream home plans to make it a reality.

    Connie Page National Parks Realty - Whitefish

    1126 Columbia Falls Stage Rd, Columbia Falls, MT 59912
  • /26

    $850,000

    • 4 Beds
    • 3 Baths
    • 3,456 Sq Ft

    180 Cobbler Village, Kalispell, MT 59901

    Custom 3 bedroom 2 bath home just minutes west of Kalispell. Has a two car garage plus a 35x40 Quonset shop with 220 and concrete floor. Garage has a 1 bedroom apartment above it with it's own full bath and laundry. Home has a loft bonus room for office or guests. Vaulted ceiling. Granite counters. No covenants or HOA. Pasture with self waterer. Machine shed, barn and iron hitching rails, stable

    Ted Dykstra Keller Williams Realty Northwest Montana

    180 Cobbler Village, Kalispell, MT 59901
  • /57

    $850,000

    • 4 Beds
    • 3 Baths
    • 3,861 Sq Ft

    36 Angel Ridge Rd, Lakeside, MT 59922

    Priced significantly under recent appraised value! Perched above the treetops on over 3.5+ acres just south of Lakeside, this stunning 4-bedroom, 3-bath log home offers over 3,800 square feet of warm, rustic living space. Vaulted ceilings and large windows frame views of the surrounding forest, while the spacious wraparound deck invites you to relax or entertain outdoors. The main living area

    Andrew Burgi Performance Real Estate, Inc.

    36 Angel Ridge Rd, Lakeside, MT 59922
  • /51

    $838,685

    • 3 Beds
    • 2 Baths
    • 1,826 Sq Ft

    106 Golden Bear Dr, Big Fork, MT 59911

    PRICED BELOW RECENT APPRAISAL! This Eagle Bend gem offers a rare opportunity to experience modern living in a location where golf course views, small-town charm, and Montana adventure all come together. Set along the fairways of Eagle Bend Golf Course, this beautifully designed single-level home (built in 2021) blends modern comfort with timeless Montana style. From peaceful mornings on the

    Denise Lang Glacier Sotheby's International Realty Bigfork

    106 Golden Bear Dr, Big Fork, MT 59911

Showing Results 361 - 400, Page 10 of 18

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