538

Lincoln County MT Homes for Sale

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  • /27

    $399,000

    • 1 Bed
    • 1 Bath
    • 586 Sq Ft

    167 & 170 Kingfisher Loop, Eureka, MT 59917

    Here's your chance to purchase two RV Lots at Indian Springs Montana for a discounted price! One lot comes with a nice park model and shed, and the other is a vacant RV Lot, including a bunkhouse, gazebo and outdoor furniture! You won't find another opportunity like this one, don't hesitate! Tired of maintaining your land, you won't have to worry about that at Indian Springs as the HOA takes care

    Troy Truman Lancaster and Company, Premier Properties

    167 & 170 Kingfisher Loop, Eureka, MT 59917
  • /15

    $2,300,000

    • Land
    • 58.6 Acres
    • $39,250 per Acre

    1 and 2A Comstock Ln, Eureka, MT 59917

    Take a good look at this rare almost 60 acre property that offers both Residential and Commercial possibilities ! Located on the edge of town within a golf cart drive an our biggest shopping center and medical facilities being just down the road. This property is ripe for a commercial application, subdivision or personal residence. It is bonded with irrigation rights from both Glen Lake

    Terry Comstock National Parks Realty - Eureka

    1 and 2A Comstock Ln, Eureka, MT 59917
  • /31

    $1,450,000

    • 3 Beds
    • 3 Baths
    • 2,318 Sq Ft

    42 Cottage Lake Ln, Eureka, MT 59917

    Welcome to this premier homesite where Montana’s most iconic views come together. Perfectly positioned, this property captures sweeping vistas of Wilderness Lake, the 18th hole of the Wilderness Club golf course, and the rugged beauty of the Whitefish Mountain Range and Ksanka Peak. From sunrise over the water to alpenglow on the peaks, every day feels like a postcard.Featuring quartz

    Colin Hamilton eXp Realty - Kalispell

    42 Cottage Lake Ln, Eureka, MT 59917
  • /24

    $295,000

    • Land
    • 3.42 Acres
    • $86,257 per Acre

    Tbd, Lot 2 Parmenter Rd, Libby, MT 59923

    Remarks: These gorgeous lots will be the ideal location for your Montana dream home! Parmenter Creek touches each lot as it leaves the Cabinet Wilderness on the way to the Kootenai River. Cottonwoods, alders and evergreens offer seclusion, natural beauty, and shelter for passing wildlife. Listen to the water and birds as you enjoy your morning coffee or evening hours relaxing. Building sites are

    Sharon Denton Clearwater Montana Properties - Troy

    Tbd, Lot 2 Parmenter Rd, Libby, MT 59923
  • /24

    $1,036,000

    $220K PRICE DROP
    • Land
    • 66 Acres
    • $15,697 per Acre

    Nhn Prairie Rd, Eureka, MT 59917

    Discover Your Montana Haven in Tobacco Valley Nestled in the heart of the Tobacco Valley, just minutes from the charming town of Eureka, this vacant land parcel offers a rare fusion of privacy, panoramic mountain views, and serene woodland ambiance. The gently sloping terrain and mature trees create the ideal canvas for your dream home. There are 4 lots that are being sold together in this

    Peter HagEstad eXp Realty LLC - Missoula

    Nhn Prairie Rd, Eureka, MT 59917
  • /11

    $99,000

    • Land
    • 1.55 Acres
    • $63,995 per Acre

    5855 W Kootenai Rd, Rexford, MT 59930

    Nestled in the scenic West Kootenai area of northwestern Montana, this property offers spectacular mountain views, abundant wildlife, and the peaceful rural lifestyle that makes the region so desirable. Enjoy the charm of the nearby Amish community, where horse-drawn buggies are still a common sight on local roads as well as the Amish store and stands. The property features county road access and

    Carolyn Daughton Lancaster and Company, Premier Properties

    5855 W Kootenai Rd, Rexford, MT 59930
  • /32

    $164,900

    $24K PRICE DROP
    • Land
    • 1.95 Acres
    • $84,607 per Acre

    NHN Hillandale, Eureka, MT 59917

    This gorgeous property located only about 2 miles from downtown Eureka is nestled on a beautiful bluff, with fantastic east-facing views. Current owner has left the trees, and the new owner can opt to thin those trees in order to easily create larger views if they choose. Enjoy gorgeous sunrises over the mountains, and close proximity to Frank Lake, Lake Kookanusa, a plethora of hiking, biking,

    Carmen Hobson Touchstone Real Estate

    NHN Hillandale, Eureka, MT 59917
  • /31

    $215,000

    • 1 Bed
    • 1 Bath
    • 504 Sq Ft

    338 River View Dr, Troy, MT 59935

    TWO RIVER FRONT LOTS on THE YAAK RIVER, existing nostalgic cabin, 50 GPM well, 2 storage areas, and outhouse. Gorgeous meadow parcel sloping to a slow, deep section of prime Yaak riverfront. Easy access off River View Drive, these lots are perfect for summer recreation or getting back to nature. The cabin is an older, "as is" structure with a pier foundation. It is rough/needs maintenance and

    Shirin Lamp Yaak's Real Estate Outpost LLC

    338 River View Dr, Troy, MT 59935
  • /38

    $250,000

    • Land
    • 6.02 Acres
    • $41,528 per Acre

    Parcel A N Kootenai Dr, Troy, MT 59935

    This 6-acre parcel offers the perfect balance of convenience and elbow room. Conveniently located right at the edge of Troy, just off a quiet country road, this property provides quick access to town amenities while maintaining a peaceful, private feel. With no covenants or restrictions, you have the freedom to create your vision—whether that’s a homestead, recreational getaway, or investment

    Alicia Hoffman Northwest Montana Real Estate

    Parcel A N Kootenai Dr, Troy, MT 59935
  • /11

    $440,000

    $50K PRICE DROP
    • Land
    • 13.32 Acres
    • $33,033 per Acre

    Nhn Hwy 37, Libby, MT 59923

    Over 13 acres of beautiful property with views, timber, flat ground, bordering USFS, and just a couple miles from town! Walk out your back door to access hundreds of acres of Montana wilderness including hiking, bicycling, horseback riding, 4 wheeling, photography, and hunting. No restrictive covenants keeping you from having horses, chickens, and many other animals. Give your dog all the

    Douglas DeShazer DeShazer Ryan Realty

    Nhn Hwy 37, Libby, MT 59923
  • /57

    $1,600,000

    • 4 Beds
    • 3 Baths
    • 3,178 Sq Ft

    395 Wild West Dr, Eureka, MT 59917

    Perched on nearly 5 fenced acres with gated entry and sweeping 360-degree views of the Tobacco Valley, Lake Koocanusa, and the Canadian Rockies, 395 Wild West Dr captures the essence of elevated Montana living. This custom-built estate blends refined comfort with functionality, featuring radiant heated floors, cathedral ceilings, expansive windows, and thoughtfully designed living spaces

    Sandi Hall National Parks Realty - Eureka

    395 Wild West Dr, Eureka, MT 59917
  • /19

    $169,900

    $20K PRICE INCREASE
    • Land
    • 2 Acres
    • $84,950 per Acre

    3100 Kootenai River Rd, Libby, MT 59923

    Great Country living can be yours with this timbered 2 acres of land. Conveniently located about 3 miles from town with enough room to bring your horses and animals! Such a nice property with the large trees and a peaceful feeling. Buy now and build later or start your dream home today. Few parcels of land are this affordable and this nice with access off a paved county maintained road to build

    Debra Cernick DeShazer Ryan Realty

    3100 Kootenai River Rd, Libby, MT 59923
  • /12

    $340,000

    • Land
    • 2.94 Acres
    • $115,646 per Acre

    349 Champion Haul Rd S, Libby, MT 59923

    Level 2.94 acre parcel with a well installed, septic approved, and power nearby. This beautifully timbered property boasts a small artesian stream that can be enjoyed year round. Livestock and manufactured homes allowed! No HOA. Located just 10 miles south of Libby off a paved county maintained road. The adjacent lot is also available if you need more acreage. Seller can install electrical

    Jay Dinning Libby Troy Realty

    349 Champion Haul Rd S, Libby, MT 59923
  • /64

    $537,000

    $33K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,188 Sq Ft

    917 Croteau Rd, Libby, MT 59923

    Beautiful Home on 3+ Acres. Prime Location Near Town. Welcome to this inviting 3-bedroom, 2-bath ranch-style home situated just minutes from downtown. This property offers the perfect balance of comfort, convenience, and space. Step inside to find a warm and functional layout, ideal for both everyday living and entertaining. The home features spacious living areas, a well-designed kitchen, and

    Jeremy Hageness RE/MAX Lifestyle Properties

    917 Croteau Rd, Libby, MT 59923
  • /58

    $325,000

    $25K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 1,470 Sq Ft

    418 Idaho Ave, Libby, MT 59923

    Warm and welcoming, this charming craftsman style home comes with all the built-ins and charm you would expect. Offering three bedrooms with the potential for an additional bedroom in the basement, this lovely home could easily be your forever home. Upon entry, you’re welcomed by a lovely staircase that adds character and warmth to the home. The living room is enhanced by the detailed

    Sharron Sverdrup Kootenai River Realty

    418 Idaho Ave, Libby, MT 59923
  • /35

    $299,500

    • 2 Beds
    • 1 Bath
    • 750 Sq Ft

    40 Moraine Dr N, Eureka, MT 59917

    40 Moraine Drive offers the simplicity of tiny home living with incredible Montana mountain views. Situated on just under 1 acre, this 2-bedroom, 1-bath home provides a functional layout with efficient living space and a comfortable Montana feel. Outside, the property is set up to enjoy the outdoors with a log gazebo covering the patio area—perfect for entertaining, outdoor dining, or relaxing. A

    Charity Waldo Engel & Völkers Western Frontier - Eureka

    40 Moraine Dr N, Eureka, MT 59917
  • /41

    $725,000

    $25K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,476 Sq Ft

    171 Carpenter Ln, Eureka, MT 59917

    This remarkable custom-built cabin rests along the peaceful, serene shores of Carpenter Lake, offering a quiet retreat surrounded by natural beauty. Lose yourself in the tranquil scenery of the lake and surrounding mountains, where each day begins with calm waters and the soft call of loons. With 100 feet of pristine lake frontage, enjoy fishing, kayaking, and paddleboarding just steps from your

    Sandi Hall National Parks Realty - Eureka

    171 Carpenter Ln, Eureka, MT 59917
  • /25

    $550,000

    • Land
    • 5.97 Acres
    • $92,174 per Acre

    Nhn Cove Dr, Rexford, MT 59930

    This 5.967-acre parcel offers the perfect opportunity to expand your Montana retreat or create a private getaway near the shores of Lake Koocanusa. Bordering National Forest Service land, the property features a beautifully treed setting with filtered lake and mountain views that capture the natural beauty of Northwest Montana. With no CCRs, this property provides the flexibility to build a home,

    Charity Waldo Engel & Völkers Western Frontier - Eureka

    Nhn Cove Dr, Rexford, MT 59930
  • /118

    $785,000

    • 6 Beds
    • 2 Baths
    • 4,720 Sq Ft

    49 Whitetail Dr, Rexford, MT 59930

    If you’ve been dreaming about getting out of the city and living a more independent lifestyle, this special West Kootenai property is set up and ready for it all. Located in a quiet, tight-knit country community with wonderful neighbors, this fully fenced homestead offers space, functionality, and the kind of peaceful setting that is getting harder to find. The home features 6 bedrooms and 2

    Kara Chapman Performance Real Estate, Inc.

    49 Whitetail Dr, Rexford, MT 59930
  • /37

    $399,000

    • 3 Beds
    • 2.5 Baths
    • 2,450 Sq Ft

    823 5th Ave E, Eureka, MT 59917

    Welcome home to this charming raised ranch nestled in the heart of Eureka, Montana, with front-row views overlooking the high school football field and all the small-town community spirit that comes with it. Offering 3 bedrooms, 2.5 bathrooms, and a functional main-level living design, this home combines comfort, convenience, and opportunity. The open-concept kitchen and dining area flow

    Erin Gilley Engel & Völkers Western Frontier - Eureka

    823 5th Ave E, Eureka, MT 59917
  • /25

    $295,000

    $35K PRICE DROP
    • Land
    • 5.35 Acres
    • $55,120 per Acre

    119 Skyline Ct, Libby, MT 59923

    Experience the beauty of Montana on this stunning 5.352-acre retreat featuring inspiring Cabinet Mountain views and a tranquil, scenic setting, having the rare advantage of bordering Kootenai National Forest on the back side. Open skies, fresh mountain air, and natural beauty surround this picturesque acreage offering the perfect blend of privacy, usable land, and inspiring vistas for your future

    Sharron Sverdrup Kootenai River Realty

    119 Skyline Ct, Libby, MT 59923
  • /3

    $829,900

    $30K PRICE INCREASE
    • Land
    • 2.33 Acres
    • $356,180 per Acre

    216 Sundance Ct, Eureka, MT 59917

    Nestled in a private and secluded cul-de-sac, this lot offers approximately 2.33 acres of natural beauty and is one of the largest lots available in The Wilderness Club. Enjoy breathtaking views of both the mountains and the acclaimed Sir Nick Faldo-designed golf course—an idyllic backdrop for your Montana dream home. Whether you’re passionate about world-class golf, year-round recreation, or

    Jonathon Haack Wilderness Club Realty

    216 Sundance Ct, Eureka, MT 59917
  • /51

    $1,475,000

    • 4 Beds
    • 4 Baths
    • 3,905 Sq Ft

    30 Boulder Ln, Eureka, MT 59917

    Experience the Pinnacle of Luxury Living at 30 Boulder Lane, Eureka, MontanaLocated at one of the premier golf courses in Montana, 30 Boulder Lane sits behind the 2nd green, offering the perfect combination of luxury living and world-class recreational opportunities. The serene views of the lush fairways and greens serve as a stunning backdrop to this exceptional property, elevating its

    Katherine Sivanish Revel Real Estate, Inc

    30 Boulder Ln, Eureka, MT 59917
  • /18

    $170,000

    $9K PRICE DROP
    • 1 Bed
    • 1 Bath
    • 400 Sq Ft

    1 Montana Wild Dr, Libby, MT 59923

    Limited time opportunity! Seller willing to sell at a “pre-purchase” price...Here's your chance to have your own lake getaway in NorthWest Montana! Enjoy a self-sufficient home in this completley off-grid subdivision. No need to wait to have something built as this property comes equipped with a Park Model Cabin loaded with extras turnkey and ready to enjoy! This home is setup on a beautiful

    Douglas DeShazer DeShazer Ryan Realty

    1 Montana Wild Dr, Libby, MT 59923
  • /58

    $675,000

    $20K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,080 Sq Ft

    508 Chase Cutoff Rd, Troy, MT 59935

    Escape to the peace and beauty of Northwest Montana with this stunning 20-acre property just outside of Troy. This beautifully parked-out parcel offers a perfect blend of open space and mature trees, creating a private, park-like setting. The lovely 2-bedroom, 2-bath home features 2 x 6 construction, an open floor plan designed for comfortable living, with a warm and inviting atmosphere

    Sharron Sverdrup Kootenai River Realty

    508 Chase Cutoff Rd, Troy, MT 59935
  • /43

    $300,000

    • 3 Beds
    • 2 Baths
    • 1,848 Sq Ft

    28140 U S 2, Libby, MT 59923

    Located along the scenic US Highway 2 in Libby, Montana, this delightful manufactured home is on the market. Constructed in 1976, it features a generous 1848 square feet of living space on a single level. The residence includes three large bedrooms, each providing plenty of room for relaxation and rest. An open floor plan enhances the sense of openness and connection across the living spaces.

    Jeremy Hageness RE/MAX Lifestyle Properties

    28140 U S 2, Libby, MT 59923
  • /27

    $149,000

    $10K PRICE DROP
    • Land
    • 5,009 Sq Ft
    • $1,295,652 per Acre

    170 Kingfisher Loop, Eureka, MT 59917

    Luxurious RV Lot for sale at Indian Springs Montana! This titled RV Lot is landscaped beautifully and comes fully serviced. It has a large brick paver pad, a fire pit, gazebo, outdoor furniture and a shed/bunkhouse. The bunkhouse is wired, insulated, heated and cooled. Tired of maintaining your land, you won't have to worry about that at Indian Springs as the HOA takes care of those details,

    Troy Truman Lancaster and Company, Premier Properties

    170 Kingfisher Loop, Eureka, MT 59917
  • /25

    $650,000

    • Land
    • 7.17 Acres
    • $90,656 per Acre

    Nhn Cove Dr, Rexford, MT 59930

    Set on 7 acres in Northwest Montana, this property offers a rare combination of privacy, recreation, and direct access to the outdoor lifestyle that makes the Lake Koocanusa area so sought after. Bordering National Forest land and featuring views of Lake Koocanusa, the property is covered in mature trees, creating a peaceful setting with plenty of room to explore and enjoy. With no CCRs, you’ll

    Charity Waldo Engel & Völkers Western Frontier - Eureka

    Nhn Cove Dr, Rexford, MT 59930
  • /68

    $730,000

    • 4 Beds
    • 3 Baths
    • 1,640 Sq Ft

    41915 US Highway 2, Libby, MT 59923

    Don't miss this rare opportunity! Create something truly special. This property consists of 3 separate parcels, totaling 5.73 acres, supplying endless possibilities. Whether you are looking for multi-generational living, a home with guest accommodations, investment property, or a jaw-dropping mechanic's dream shop, this much-loved property delivers the space, flexibility and opportunity. An

    Kristy Trabont DeShazer Ryan Realty

    41915 US Highway 2, Libby, MT 59923
  • /28

    $270,000

    • Land
    • 3 Acres
    • $90,000 per Acre

    209 Turtle Trail, Eureka, MT 59917

    Discover your Montana dream in the highly sought-after Glen Lake area near Eureka, MT. This beautiful 3-acre property borders U.S. Forest Service land, giving you endless recreation right out your back door. Take in sweeping mountain views and enjoy the flexibility of light CCRs that protect the area’s appeal while allowing you to create the home, cabin, or weekend retreat you’ve envisioned. A 30

    Sandi Hall National Parks Realty - Eureka

    209 Turtle Trail, Eureka, MT 59917
  • /28

    $584,499

    • 3 Beds
    • 2 Baths
    • 2,016 Sq Ft

    346 Crystal Lakes Dr, Eureka, MT 59917

    Fully renovated from top to bottom just over a year ago, this home in the peaceful Crystal Lakes neighborhood is truly move-in ready. Set on nearly half an acre, it blends modern updates with the quiet comfort of Montana living. Every detail has been thoughtfully reimagined, from the roof to the flooring, including new windows, insulation, drywall, interior and exterior paint, doors, garage doors

    Sandi Hall National Parks Realty - Eureka

    346 Crystal Lakes Dr, Eureka, MT 59917
  • /48

    $999,000

    • 3 Beds
    • 1.5 Baths
    • 1,053 Sq Ft

    5671 Kootenai River Rd, Libby, MT 59923

    Montana waterfront lovers dream property! Almost 3 acres of Kootenai River and Quartz Creek frontage makes this charming cedar home one of a kind. Property includes a triple-car garage, large shop with heated floors, and carport so you have lots of room for all you toys and hobbies. Quaint 3 bed 1 and 1/4 bathroom home has been meticulously maintained and includes appliances. Sit on the front.

    Douglas DeShazer DeShazer Ryan Realty

    5671 Kootenai River Rd, Libby, MT 59923
  • /36

    $319,900

    $140K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 1,024 Sq Ft

    782 Othorp Lake Rd, Rexford, MT 59930

    OWNER FINANCING AVAILABLE TO QUALIFIED BUYERS!!! Reminiscent of a simpler time yet conveniently located just minutes from town, this charming homesteader’s property offers a truly picturesque setting. An established orchard featuring apple, plum, and crabapple trees is complemented by fragrant lilacs that bloom each spring, creating a peaceful and inviting landscape. The cozy two-bedroom,

    Carolyn Daughton Lancaster and Company, Premier Properties

    782 Othorp Lake Rd, Rexford, MT 59930
  • /28

    $120,000

    $40K PRICE DROP
    • Land
    • 5 Acres
    • $24,000 per Acre

    905 Freeman Ridge Rd, Troy, MT 59935

    Secluded 5-Acre Forested Parcel Near Troy, MT – Power Nearby, Shed Onsite, Ag Exempt Just 11 minutes from the charming town of Troy, this 5-acre property offers privacy, natural beauty, and easy access to outdoor recreation. Thickly forested and tucked away for peace and quiet, the land provides a great setting for a getaway cabin, small farmstead, or future home site—pending state and county

    Alicia Hoffman Northwest Montana Real Estate

    905 Freeman Ridge Rd, Troy, MT 59935
  • /23

    $1,500,000

    • 3 Beds
    • 2 Baths
    • 1,792 Sq Ft

    1349 Lakeshore Dr, Libby, MT 59923

    Lake life at its finest! Whether you are ice fishing in the winter or boating in the summer, this 3 bedroom 2 bath home has something for everyone to enjoy. This beautiful 2 story home is fully furnished with 112 feet of desirable and rare lake frontage on Upper Thompson Lake. 1,792 sq. ft., 3 bedroom, 2 bath home. Built in 2007 featuring granite counter tops in the full kitchen, wood and stone

    Crawford Dinning Libby Troy Realty

    1349 Lakeshore Dr, Libby, MT 59923
  • /30

    $425,000

    New Construction
    • 3 Beds
    • 2.5 Baths
    • 1,824 Sq Ft

    321 Forest Loop Rd, Eureka, MT 59917

    This beautiful home is a work in progress. Located on about a half acre in the desirable Crystal Lakes Subdivision, it is convenient to both Eureka and the Flathead Valley. Many of the materials necessary to complete the home are included in the sale: master bath soaker tub, stainless cable railing system and rough-in plumbing parts. A buried 1000 gallon propane tank, 3 bedroom septic and 200amp

    Nathan Purdy Montana Properties LLC

    321 Forest Loop Rd, Eureka, MT 59917
  • /33

    $375,000

    • 2 Beds
    • 1 Bath
    • 735 Sq Ft

    18 Luciano Dr, Eureka, MT 59917

    Easy Montana living awaits at 18 Luciano Drive in Eureka. Situated on 1.44 level, usable acres, this property offers space, functionality, and open mountain views under big Montana skies. The 15’ x 49’ cottage features vaulted ceilings, warm wood accents, and an efficient layout with 2 bedrooms, 1 bathroom, and a loft for added flexibility.Enjoy time outdoors on the covered deck, with plenty

    Charity Waldo Engel & Völkers Western Frontier - Eureka

    18 Luciano Dr, Eureka, MT 59917
  • /11

    $245,000

    • Land
    • 10.74 Acres
    • $22,812 per Acre

    Lot 1 Creek View Ln, Troy, MT 59935

    Discover the perfect blend of privacy, natural beauty, and opportunity with this exceptional 10.74-acre parcel nestled along Lake Creek in Troy, Montana. Surrounded by stunning mountain views and the peaceful sounds of flowing water, this property offers an ideal setting for your dream home or recreational escape. Enjoy access to Lake Creek, where you can fish, explore, or simply relax by the

    Alicia Hoffman Northwest Montana Real Estate

    Lot 1 Creek View Ln, Troy, MT 59935
  • /17

    $350,000

    • Land
    • 5.03 Acres
    • $69,527 per Acre

    Nhn N Fork Yaak Rd, Yaak, MT 59935

    5 acres with 257 feet of water frontage on the North Fork of the Yaak River. The property is terraced with an elevated building site and a mix of timber and meadows. It is bordered by national forest on the west side and has gravel road access with no utilities. This is one of four parcels behind a locked gate for added privacy. Property has septic approval. Listing agent is related to as well as

    Crawford Dinning Libby Troy Realty

    Nhn N Fork Yaak Rd, Yaak, MT 59935
  • /37

    $585,000

    $114K PRICE DROP
    • Land
    • 25.02 Acres
    • $23,385 per Acre

    NKA Jennings Haul Rd, Libby, MT 59923

    25 Acres • No Covenants • Farm, Build, or Recreate with Incredible Cabinet Mountain Views! Opportunity meets freedom on this beautiful 25-acre parcel located on the Kootenai River off Jennings Haul Road near Libby, Montana. With no covenants or HOA restrictions, this property offers the flexibility to create the lifestyle you've been dreaming of. Whether you're looking to establish a small farm,

    Jeremy Hageness RE/MAX Lifestyle Properties

    NKA Jennings Haul Rd, Libby, MT 59923

Showing Results 281 - 320, Page 8 of 14

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