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Hopkins County TX Homes for Sale

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  • /28

    $699,500

    $50K PRICE DROP
    • 5 Beds
    • 3.5 Baths
    • 3,715 Sq Ft

    661 Majors Dr, Sulphur Springs, TX 75482

    Just outside the city limits of Sulphur Springs, this stunning 3,715 sq. ft. home sits on 2 acres, with the opportunity to purchase additional acreage for residential or commercial use! It combines the serenity of country living with the convenience of nearby schools, shopping, dining, and everyday essentials! While most of the bedrooms are located downstairs for comfort and accessibility, the

    Yajahira Prestien OnwardTX Real Estate Advisors

    661 Majors Dr, Sulphur Springs, TX 75482
  • /29

    $1,350,000

    • Land
    • 100 Acres
    • $13,500 per Acre

    588 County Road 4760, Sulphur Springs, TX 75482

    Meticulously maintained 100 acres just 10 minutes from Sulphur Springs. Fully fenced & cross fenced w 6 strand barb wire & pipe fencing.5 ponds,Fully self sustained, producing hay for sale as well. Very close to Cooper Lake, you'll find hiking trails, cabins, fishing, and swimming at Cooper Lake State Park. A panoramic Ag-Exempt acres! Bring plans for your dream house or just enjoy your own piece

    Indu Reddy Mandadi Fair Deal Realty

    588 County Road 4760, Sulphur Springs, TX 75482
  • /26

    $169,900

    $15K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,566 Sq Ft

    8342 Farm Road 1567 E, Sulphur Springs, TX 75482

    Charming 3 bedroom, 2 bath home situated on approximately .41 acres in a quiet country setting with great neighbors. This property offers exceptional accessibility features, including a metal handicap ramp and thoughtfully designed interior spaces. Enjoy relaxing on the large front porch complete with a porch swing, as well as a spacious back porch ideal for outdoor living. The kitchen was

    Rebekah Dalrymple Scarborough Commercial Real Estate

    8342 Farm Road 1567 E, Sulphur Springs, TX 75482
  • /22

    $300,000

    • Land
    • 20 Acres
    • $15,000 per Acre

    0000 County Road 2324, Como, TX 75431

    Unspoiled 20-acre tract nestled along a quiet county road in the peaceful countryside of Como, Texas. This untouched habitat offers gently rolling terrain, thick native cover for exceptional privacy, and abundant wildlife. A spring-fed creek meanders through part of the property, enhancing its natural beauty and a possible site for a future pond. The property features excellent sandy loam soil -

    Jan McDonnell Choice Properties, Inc.

    0000 County Road 2324, Como, TX 75431
  • /13

    $198,000

    • Land
    • 10.49 Acres
    • $18,875 per Acre

    0000 Fm 2948, Como, TX 75431

    Beautiful 10.42-acre rolling tract with excellent FM road frontage and no restrictions, offering endless possibilities for residential, recreational, or weekend use. This versatile property is ideal for a custom home, barndominium, manufactured home, tiny home, or country retreat. The land features fertile sandy soil and is currently Ag-exempt, having been used as a hay meadow. The majority of

    Jan McDonnell Choice Properties, Inc.

    0000 Fm 2948, Como, TX 75431
  • /8

    $200,000

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

    0000 Farm Market 1567, Como, TX 75431

    Beautiful 10-acre tract located in the desirable Como-Pickton ISD, featuring open pasture and excellent sandy loam soil. With FM 1567 frontage, this property offers convenient access while maintaining a peaceful country setting. Electric and water are available, making it an ideal location to build your dream home. The property includes a great building site and is well-suited for creating your

    Jan McDonnell Choice Properties, Inc.

    0000 Farm Market 1567, Como, TX 75431
  • /2

    $119,000

    • Land
    • 11 Acres
    • $10,818 per Acre

    TBD County Road 3561, Sulphur Bluff, TX 75481

    Escape to wide-open Texas skies on this stunning 11-acre property in Oak Creek Ranch, nestled in the heart of Hopkins County along FM 3561. Fully fenced and gated, the land offers both privacy and peace of mind. A picturesque mix of open pasture and mature trees creates a beautiful natural setting, with abundant wildlife and shaded areas toward the back of the property.A prepared clearing

    Wendy Bell Real Broker, LLC

    TBD County Road 3561, Sulphur Bluff, TX 75481
  • /28

    $204,500

    $15K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,415 Sq Ft

    1408 Elmwood St, Sulphur Springs, TX 75482

    Step into this charming 2-bedroom, 2-bath garden home designed for comfort, simplicity, and easy living. Ideal for downsizing, first-time buyers, or anyone seeking a comfortable, well-designed home. Outside, a peaceful garden patio space provides the perfect spot for morning coffee, quiet evenings, or weekend relaxation. This home is ideal for anyone seeking low-maintenance living in a serene

    Mindy Bell Freedom Realty

    1408 Elmwood St, Sulphur Springs, TX 75482
  • /38

    $450,000

    $100K PRICE DROP
    • Land
    • 37.3 Acres
    • $12,064 per Acre

    37.3 ac County Road 1130, Cumby, TX 75402

    Outstanding 37.3-acre recreational property featuring gently rolling terrain, dense tree cover, and abundant wildlife throughout. This beautiful tract of land offers a rare opportunity for outdoor enthusiasts, hunters, or anyone seeking a private escape surrounded by nature. Deer and other native wildlife are frequently seen across the property, making it an excellent hunting destination or

    Holly Gray Century 21 First Group

    37.3 ac County Road 1130, Cumby, TX 75402
  • /26

    $578,500

    $51K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,800 Sq Ft

    11 Nicklaus Dr, Sulphur Springs, TX 75482

    This beautifully landscaped, custom built home offers exceptional craftsmanship and meticulous care throughout. As you step inside, you're greeted by soaring vaulted ceilings adorned with rustic wood beam accents in the living area. The open concept design seamlessly flows into the gourmet chef's kitchen, which features top of the line Cafe appliances, a deep farmhouse sink, and a large island

    Sawyer Sinclair Century 21 First Group

    11 Nicklaus Dr, Sulphur Springs, TX 75482
  • /40

    $649,900

    $39K PRICE DROP
    • 3 Beds
    • 2.5 Baths
    • 2,012 Sq Ft

    1529 Peerless Hwy, Sulphur Springs, TX 75482

    Discover this stunning Modern Industrial Farmhouse with beautiful lake views, just 5 minutes from downtown and I-30. This open-concept home features a spacious living room and kitchen, perfect for entertaining. With 3 bedrooms and 2.5 baths, you’ll love the large walk-in pantry, concrete countertops, and oversized kitchen island. The primary suite is conveniently located downstairs and includes a

    Craig English Century 21 First Group

    1529 Peerless Hwy, Sulphur Springs, TX 75482
  • /14

    $316,000

    $8K PRICE DROP
    • Land
    • 23.35 Acres
    • $13,533 per Acre

    TBD County Road 4574 Unit 13743, Sulphur Springs, TX 75482

    Peaceful 23+ acres with two natural ponds, thick woods, and a wide-open meadow ideal for building your dream home or cabin. Rich with wildlife, quiet trails, and wide open skies, this land is perfect for hunting, fishing, recreation, or creating a private country retreat. A true slice of rural living with room to roam and make it your own. Seller financing available call for more information.

    Kendy Valdez Century 21 First Group

    TBD County Road 4574 Unit 13743, Sulphur Springs, TX 75482
  • /37

    $200,000

    $50K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 1,392 Sq Ft

    108 Reservoir St, Sulphur Springs, TX 75482

    Lake Home in Town! This fantastic cottage style home is across the street from the fabulous Coleman Park lake and all it has to offer!! Hiking, bking, picnics, play grounds, ball fields, etc. All within walking distance! This 3 bedroom 3 bath cottage style home has more space than meets the eye! The open floor plan living and kitchen which features custom cabinets, pantry area and access to a

    Jana Dodd Dodd Realty

    108 Reservoir St, Sulphur Springs, TX 75482
  • /25

    $195,000

    $65K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,654 Sq Ft

    1413 Hickorywood St, Sulphur Springs, TX 75482

    Fantastic Garden Home in Excellent Location!!! Custom original woodwork, Walk in closets, spacious pantries, Gorgeous built ins, 2 living rooms, 2 dining areas, 2 primary bedrooms, 2 ensuite baths. Second primary bath has entrance from living area and bedroom, Walk in Tub and shower combo, and walk in closet! 3 covered and enclosed parking areas. Workshop with electric in the garden area along

    Jana Dodd Dodd Realty

    1413 Hickorywood St, Sulphur Springs, TX 75482
  • /7

    $385,000

    • Land
    • 32 Acres
    • $12,031 per Acre

    32 Acres County Road 2425, Como, TX 75431

    32 gorgeous acres to call your own! Property features great road frontage, a nice sized pond and some mature trees. Has been used to produce quality mixed grass hay for the past 5 years and is partially fenced. Ag exemption is in place. Offers easy access to FM 69 and is a perfect for secluded privacy with the added convenience of a great location. A 2 inch water line has been installed at the

    Agent Photo

    Nicole Foster

    Ebby Halliday, REALTORS

    32 Acres County Road 2425, Como, TX 75431
  • /8

    $63,500

    • Land
    • 2 Acres
    • $31,750 per Acre

    lot 8 County Road 3512, Sulphur Springs, TX 75482

    2-Acre Lot in Meadows at Deer Crossing, Sulphur Springs ISD.Beautiful 2acre homesite in the newly developed Meadows at Deer Crossing.Located in a desirable Hopkins County area with a peaceful country setting.Mostly level lot. Mature shade tree adds privacy Very quite and serene.Room for shop and RV. Bring the kids and the Toys. Utilities available at the road.Water provided by

    Julie Henderson Coldwell Banker Apex, REALTORS

    lot 8 County Road 3512, Sulphur Springs, TX 75482
  • /18

    $271,990

    New Construction
    • 4 Beds
    • 2.5 Baths
    • 1,742 Sq Ft

    Stony Creek Plan at Stonewood, Sulphur Springs, TX 75482

    The Stony Creek floorplan at Stonewood in Sulphur Springs offers a spacious and modern layout with 1,742 sq. ft. of thoughtfully designed living space across three stories, featuring 4 bedrooms, 2.5 bathrooms, and a 1-car garage. Each unit is sold separately, 2 units per building. On the first floor, you’ll find an open-concept design that connects the kitchen, dining area, and family room,

    D.R. Horton Builder
    500 Como St S Unit 39186965, Sulphur Springs, TX 75482
  • /18

    $234,990

    New Construction
    • 2 Beds
    • 2.5 Baths
    • 1,075 Sq Ft

    Alexandria Plan at Stonewood, Sulphur Springs, TX 75482

    Welcome to Stone Wood, a modern all-electric duplex community located in Sulphur Springs, Texas. The Alexandria floor plan offers a thoughtfully designed two-story layout with 1,075 square feet, 2 bedrooms, 2.5 bathrooms, and a 1-car garage, blending comfort, and functionality. Each unit is sold separately, 2 units per building. The main living level features an open-concept design ideal for both

    D.R. Horton Builder
    500 Como St S Unit 39186962, Sulphur Springs, TX 75482
  • /18

    $251,990

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 1,504 Sq Ft

    Chesapeake Plan at Stonewood, Sulphur Springs, TX 75482

    The Chesapeake floorplan in the Stonewood community offers a thoughtfully designed duplex layout that blends functionality, comfort, and modern living. Each residence features a welcoming front porch and a private one-car garage, leading into a spacious foyer and an open-concept first floor. Each unit is sold separately, 2 units per building. The main level is designed for everyday living and

    D.R. Horton Builder
    500 Como St S Unit 39186963, Sulphur Springs, TX 75482
  • /37

    $349,000

    $26K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,417 Sq Ft

    3974 Texas Highway 11 C E, Sulphur Springs, TX 75482

    Exceptional Location for work, live and play! Outside City limits with no restrictions. A total remodel 3 years ago, this cute farmhouse with a large garage shop and a pond on 4.0 AC offers a unique opportunity. The perfect blend of residential style & commercial versatility, ideal for business owners, hobbyists, or anyone seeking space to live, work, and create. The remodeled home pairs modern

    Carrie Nuckolls Century 21 First Group

    3974 Texas Highway 11 C E, Sulphur Springs, TX 75482
  • /22

    $229,500

    $41K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,679 Sq Ft

    1020 Lincoln Dr, Sulphur Springs, TX 75482

    Charming Home in Lincoln Heights – Walk to Coleman Park! Welcome to this inviting home located in the desirable Lincoln Heights Addition in Sulphur Springs, TX. Designed for both comfort and functionality, this home features an open floor plan with a spacious living area highlighted by a vaulted ceiling and cozy fireplace, creating a warm and welcoming atmosphere. The kitchen flows seamlessly

    Darla Reed Coldwell Banker Lakehaven Realtors

    1020 Lincoln Dr, Sulphur Springs, TX 75482
  • /19

    $278,000

    • 3 Beds
    • 2 Baths
    • 1,064 Sq Ft

    505 County Road 1442, Yantis, TX 75497

    3 bedroom, 2 bath home situated on almost 15 acres just minutes from Lake Fork renowned for some of the best fishing in Texas. This property offers a rare blend of comfortable living and wide open space, with plenty of room to build an additional home, shop, barn, or anything your vision desires. Enjoy peaceful surroundings, and endless possibilities for outdoor recreation, expansion, or

    Agent Photo

    Landon Womack

    Century 21 First Group

    505 County Road 1442, Yantis, TX 75497
  • /32

    $130,000

    $13K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,450 Sq Ft

    50 County Road 3557, Sulphur Bluff, TX 75481

    Welcome home to this beautifully remodeled 1920 charming country-cottage, that perfectly blends timeless character with modern comfort! Nestled on a peaceful 0.78-acre lot along a quiet county road, this 3-bedroom, 1-bath home offers 1,450 sq ft of inviting living space with updates throughout while still maintaining the charm and history you’d expect from a home of this era.From the moment

    Landri Green Cross Power Real Estate, LLC

    50 County Road 3557, Sulphur Bluff, TX 75481
  • /33

    $700,000

    $125K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 3,415 Sq Ft

    142 Cedar Ln, Sulphur Springs, TX 75482

    Fully renovated 4-bedroom, 3-bath ranch on Cedar Lane, privately nestled beneath mature post oaks on nearly 2 cleared and manicured acres. Thoughtfully redesigned, this home pairs timeless architectural character with elevated modern finishes throughout. The kitchen is anchored by an oversized island with marble countertops, custom cabinetry, and premium Fisher & Paykel appliances. Sawyer Mason

    Michelle Staubus EXP REALTY

    142 Cedar Ln, Sulphur Springs, TX 75482
  • /2

    $725,000

    • Land
    • 3.15 Acres
    • $229,940 per Acre

    0 E Industrial Unit 21159467, Sulphur Springs, TX 75482

    This 3.153-acre parcel, zoned for light industrial use, offers a versatile opportunity for development in a prime location. Ideal for manufacturing, warehousing, or commercial operations, the property provides ample space for various industrial applications. With its strategic location and flexible zoning, this site is perfect for businesses looking to expand or establish their presence in a

    Joe Mack Gober Freedom Realty

    0 E Industrial Unit 21159467, Sulphur Springs, TX 75482
  • /35

    $499,999

    $15K PRICE DROP
    • 3 Beds
    • 3.5 Baths
    • 2,800 Sq Ft

    315 Briarwood Ln, Sulphur Springs, TX 75482

    This custom brick home sits on a 1.15-acre corner lot and offers 4 bedrooms, 3 full bathrooms, and 1 half bath with a spacious, functional layout. The open-concept living area features a brick fireplace, built-in bookshelves, and a wall of windows that brings in abundant natural light. The kitchen includes an electric oven, tile backsplash, breakfast bar, and easy access to the breakfast nook. A

    Sawyer Sinclair Century 21 First Group

    315 Briarwood Ln, Sulphur Springs, TX 75482
  • /18

    $279,500

    $16K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 2,422 Sq Ft

    120 Cedar Springs Blvd, Sulphur Springs, TX 75482

    Ideal for buyers seeking enhanced mobility features, this property includes, single living area, wide door openings, grab bars, step-free access, an accessible primary bath, and convenient one level layout.

    Joe Mack Gober Freedom Realty

    120 Cedar Springs Blvd, Sulphur Springs, TX 75482
  • /12

    $109,999

    $5K PRICE DROP
    • Land
    • 6.62 Acres
    • $16,616 per Acre

    527 County Road 3351, Saltillo, TX 75478

    Discover your own private haven on this serene 6.75-acre parcel nestled in Twin Lake Farms, just outside city limits in Saltillo, Texas. Whether you're seeking a year-round residence, weekend retreat, or minimalistic retreat, this property offers the perfect blend of open-space freedom, rural charm, and functional comfort. Tiny house does not convey

    Winter Grant Better Homes & Gardens, Winans

    527 County Road 3351, Saltillo, TX 75478
  • /9

    $170,000

    • Land
    • 10 Acres
    • $17,000 per Acre

    TBD Texas 154, Sulphur Springs, TX 75482

    Beautiful 10+ acre property located on Hwy 19 in the peaceful community of Birthright, Texas. This spacious lot offers a perfect balance of open pasture and serene wooded areas, ideal for a variety of uses – whether you're looking to build your dream home, start a hobby farm, or simply enjoy the natural beauty of the land. Features of this property include a picturesque pond, perfect for

    Kendy Valdez Century 21 First Group

    TBD Texas 154, Sulphur Springs, TX 75482
  • /12

    $358,000

    • Land
    • 40 Acres
    • $8,950 per Acre

    TBD County Road 2376 Unit 1 west, Winnsboro, TX 75494

    Here's the perfect size place for that small ranch in the good sandy soil that everyone has been looking for! Approx. 40 acres (more acreage available) that is the perfect place for a new home and to get out in the country. Located on a quiet county road and with 2 tree lined boundaries offer the peace you have been looking for. The rolling sandy loam hilltop offers several building spots for a

    Tom Hendrricks Janet Martin Realty

    TBD County Road 2376 Unit 1 west, Winnsboro, TX 75494
  • /2

    $35,000

    • Land
    • 15,855 Sq Ft
    • $96,154 per Acre

    324&26 Mlk Dr, Sulphur Springs, TX 75482

    Home builders and investors, here's a spacious lot to build a spec home on. Good price with other new construction nearby. Zoned Single Family. Water and electricity are available. Located just steps from Pacific Park which includes a new playground, covered basketball courts, walking path, outdoor workout area and more.

    Kati Adair Janet Martin Realty

    324&26 Mlk Dr, Sulphur Springs, TX 75482
  • /2

    $35,000

    • Land
    • 8,842 Sq Ft
    • $172,414 per Acre

    320 Martin Luther King Junior Dr, Sulphur Springs, TX 75482

    Home builders and investors, here's a spacious lot to build a spec home on. Good price with other new construction nearby. Zoned Single Family. Water and electricity are available. Located just steps from Pacific Park which includes a new playground, covered basketball courts, walking path, outdoor workout area and more.

    Kati Adair Janet Martin Realty

    320 Martin Luther King Junior Dr, Sulphur Springs, TX 75482
  • /37

    $375,000

    $90K PRICE DROP
    • 4 Beds
    • 3.5 Baths
    • 3,863 Sq Ft

    1433 Brandy Cir, Sulphur Springs, TX 75482

    Spacious 4-Bedroom Home in Sought-After Highland Oaks – Walk to Coleman Park Welcome to this beautifully appointed 4 bedroom, 3.5 bath home located in the desirable Highland Oaks subdivision, a private neighborhood known for its towering oak trees and peaceful setting. Enjoy the convenience of being able to walk directly to adjacent Coleman Park, a beloved Sulphur Springs park offering walking

    Agent Photo

    David Watson

    Coldwell Banker Lakehaven Realtors

    1433 Brandy Cir, Sulphur Springs, TX 75482
  • /12

    $169,900

    $15K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 864 Sq Ft

    406 Martin Luther King Junior Dr, Sulphur Springs, TX 75482

    Charming Updated Home Near Downtown Sulphur Springs! Welcome to this beautifully updated three-bedroom, one-and-a-half-bath home, perfectly situated just minutes from Pacific Park and downtown Sulphur Springs! This home features modern updates throughout, offering a fresh, move-in-ready space. The spacious, fenced-in backyard is ideal for relaxing, entertaining, or giving your pets room to roam.

    Rhalie Green Stewart Realty & Associates

    406 Martin Luther King Junior Dr, Sulphur Springs, TX 75482
  • /6

    $1,085,000

    $565K PRICE DROP
    • Land
    • 30 Acres
    • $36,167 per Acre

    TBD Pr 6307, Sulphur Springs, TX 75482

    Industrial Park or Subdivision Potential! 30 acres that is less than a mile from Interstate 30 in the heart of Sulphur Springs TX and has Rail Road Frontage! Excellent potential!! Currently used for agriculture with ag exemption in place. The north property line goes along the city limit line. 30' easement from CR 2307. 30 acres to be subdivided from larger tract.

    Jana Dodd Dodd Realty

    TBD Pr 6307, Sulphur Springs, TX 75482
  • /26

    $192,500

    $58K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,887 Sq Ft

    600 Plano St, Sulphur Springs, TX 75482

    Move-in ready and updated home in Sulphur Springs boasting nearly 1,900 square feet on a generous corner lot. This well-maintained 3-bed, 2-bath residence features a bright galley kitchen with pantry, roomy family room, bonus room, and all appliances included. Enjoy the screened porch, storage building, mature pecan trees and durable metal roof. Recent upgrades include HVAC (2021), flooring

    Ashley Hammons AT Home Texas Real Estate

    600 Plano St, Sulphur Springs, TX 75482
  • /11

    $230,000

    $9K PRICE DROP
    • 6 Beds
    • 4 Baths
    • 1,690 Sq Ft

    817 Cranford St, Sulphur Springs, TX 75482

    2 Income Producing homes for one price! Two tenant occupied homes for sale. 817 Cranford is a 3 bedroom 3 bath brick home. 235 Parkins is a 3 bedroom 1 bath frame home. Can be purchased together with tenants in place.

    Jana Dodd Dodd Realty

    817 Cranford St, Sulphur Springs, TX 75482
  • /31

    $375,000

    • 3 Beds
    • 2 Baths
    • 1,800 Sq Ft

    8915 County Road 2310, Sulphur Springs, TX 75482

    Farm living at its best! Here is a 2-story, 3-bedroom, 2-bathroom Farm & Ranch home for sale! This home is approximately1800 sf, with a large front and side porch. The home was just refreshed with new windows, siding and paint in 2024. This home sits on 10 acres, with exceptional views of its surroundings. Additional acreage surrounding the home is available for purchase!

    Suzie Castillo Castillo Realty

    8915 County Road 2310, Sulphur Springs, TX 75482
  • /14

    $258,000

    • Land
    • 13 Acres
    • $19,846 per Acre

    8919 County Road 2310, Sulphur Springs, TX 75482

    All the cliches apply here! Picturesque, lake front acreage! a 20 by 30 foot Pavilion with concrete pad is waiting for you! A 30 by 40concrete pad can serve as an RV site or to build your dream home! This lot includes ownership of a 2.5 acre lake! Additional acreage is available for purchase!

    Suzie Castillo Castillo Realty

    8919 County Road 2310, Sulphur Springs, TX 75482
  • /14

    $999,998

    $10K PRICE INCREASE
    • Land
    • 7.72 Acres
    • $129,483 per Acre

    7acres Interstate 30, Sulphur Springs, TX 75482

    EXCELLENT LOCATION!!! 1531' west of Clayton Homes, East neighbor of Henly Homes, 7.7 acres of undeveloped land on the north service road of Interstate 30 between the HWY 19 & HWY 67 West overpasses! Just Waiting for your Business!! Seller tote the note with 25 percent down at 8 percent interest for 10 years.

    Jana Dodd Dodd Realty

    7acres Interstate 30, Sulphur Springs, TX 75482

Showing Results 321 - 360, Page 9 of 14

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