544

Lincoln County NM Homes for Sale with Mountain View

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  • /22

    $47,950

    • Land
    • 2.14 Acres
    • $22,407 per Acre

    111 Tall Pines Rd, Ruidoso, NM 88345

    111 Tall Pines Rd is 3 lots totaling approximate 2.14 +/- acres in Alpine Village. Driveway and pad site in place. Access from the bottom at Alpine Village Rd & Tall Pines Rd or from the top off Telluride Trl. Alpine Village Rd is paved. Telluride and Tall Pines Rd are gravel. Community water at the road. Septic needed. Electricity at property line. 800 minimum heated sq ft per Alpine Village SD

    The Jeffery West Team Future Real Estate

    111 Tall Pines Rd, Ruidoso, NM 88345
  • /24

    $475,000

    • 3 Beds
    • 2.5 Baths
    • 1,900 Sq Ft

    283 Lake Shore Dr, Alto, NM 88312

    Lovingly maintained classic Alto Lakes cabin with an open concept living/entertaining area that flows beautifully out to the wrap-around decks and views. This 3 bedroom, 2-1/2 bath, Golf Membership home provides over 1700 SF of living space including a separate floor for guests (2 bedrooms plus 1 bath) and a large game/TV room on the lower level with 1/2 bath. Situated on a double lot on quiet

    Debbie Higdon Blue Skies Real Estate

    283 Lake Shore Dr, Alto, NM 88312
  • /18

    $95,000

    • Land
    • 1.59 Acres
    • $59,748 per Acre

    100 Tank Rd, Ruidoso, NM 88345

    Views for miles! Welcome to 100 Tank Road, a nicely wooded 1.588 acre parcel, centrally located in beautiful Ruidoso, close to all that this area has to offer, yet just off the beaten path for privacy. Ample road frontage surrounds the property, providing multiple options for access. Perched up top is a perfect location for a homesite, with views for miles. Village utilities and Forest Compliant.

    Darrell Carr Blue Skies Real Estate

    100 Tank Rd, Ruidoso, NM 88345
  • /149

    $1,750,000

    • 3 Beds
    • 2.5 Baths
    • 3,111 Sq Ft

    27370 U S 70, Glencoe, NM 88324

    Enchantment Farm is truly enchanted. This 17 acre irrigated farm along the Rio Ruidoso River is the most peaceful setting in the valley. Custom 3BR/2-1/2BA home sits stately above the irrigated pastures of globe willows and poplars. The main home is one level, 3056 sq ft of living space with updated kitchen fireplace and radiant floor heat. You'll love the 16'x16' outdoor covered patio with

    Keli Cox Zia Real Estate

    27370 U S 70, Glencoe, NM 88324
  • /22

    $295,000

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

    180 Snell Rd, Carrizozo, NM 88301

    Don't let this specious gem get away from you. This lovely 4 BD / 3 full bath partially furnished home is sure to meet your needs. with a nearly 6 acre lot you will have plenty of room for your needs! Bring your horses and watch them graze from the scenic, freshly painted covered decks. Do you have a green thumb? Tend to your plants in the wonderfully built green house with attached garden shed.

    James Russ II REMAX Sierra Blanca Realty

    180 Snell Rd, Carrizozo, NM 88301
  • /20

    $275,000

    • Land
    • 1.25 Acres
    • $220,000 per Acre

    Lot 10C Sam Snead Ct, Alto, NM 88312

    This lot in the Lincoln Hills, also known as the Outlaw Subdivision, offers a scenic and peaceful setting with views of rolling hills, mountains, and mature trees. It's located in a well-planned resort golf community with access to a wide range of amenities, including dining, tennis, pickleball, a fitness center, swimming, and other recreational options. The lot also comes with a membership to

    Scott Miller Pinnacle Real Estate & Dev

    Lot 10C Sam Snead Ct, Alto, NM 88312
  • /20

    $275,000

    • Land
    • 1.17 Acres
    • $235,043 per Acre

    Lot 21C Gene Littler Ln, Alto, NM 88312

    This lot in the Lincoln Hills, also known as the Outlaw Subdivision, offers a scenic and peaceful setting with views of rolling hills, mountains, and mature trees. It's located in a well-planned resort golf community with access to a wide range of amenities, including dining, tennis, pickleball, a fitness center, swimming, and other recreational options. The lot also comes with a membership to

    Scott Miller Pinnacle Real Estate & Dev

    Lot 21C Gene Littler Ln, Alto, NM 88312
  • /22

    $210,000

    • 2 Beds
    • 1.5 Baths
    • 960 Sq Ft

    604 White Mountain Dr Unit 205, Ruidoso, NM 88345

    Your gorgeous mountain condo awaits you! This meticulously cared-for home is nothing short of a dream! Stylishly decorated, it comes fully furnished. The main level offers a half bathroom, for convenience. And, the open concept includes a charming kitchen, dining area and cozy living area complete with fireplace for those chilly winter nights. Stepping out onto the large deck, you'll enjoy golf

    Jillian Mills Fathom Realty NM

    604 White Mountain Dr Unit 205, Ruidoso, NM 88345
  • /54

    $209,900

    • 3 Beds
    • 3 Baths
    • 1,020 Sq Ft

    110 Alto Alps Rd Unit 110, Alto, NM 88312

    Welcome to serenity. The main floor features a newly remodeled kitchen, an open concept living area, 2 bedrooms each with their own bathroom. Enjoy the outdoor deck that looks out over the trees with quiet beautiful views. There is plenty of room to entertain and watch the wildlife. Underneath the deck is a separate bedroom and bathroom. This beautiful condo is just waiting for the right buyer!

    Christy Hood Better Homes & Gardens Real Estate - Steinborn & Associates

    110 Alto Alps Rd Unit 110, Alto, NM 88312
  • /11

    $65,000

    • Land
    • 3.01 Acres
    • $21,595 per Acre

    105 Settler Ln, Carrizozo, NM 88301

    Views abound this spacious property with great potential. Community water, up-dated septic and electric to this property come and stay in your RV with a 50 AMP hook up as you build your dream home, or utilize the existing manufactured home foundation. The 2 bay metal building with recently updated concrete pad has plenty of space for a variety of needs. also included is an additional storage

    James Russ II REMAX Sierra Blanca Realty

    105 Settler Ln, Carrizozo, NM 88301
  • /40

    $1,215,000

    • 4 Beds
    • 3.5 Baths
    • 3,485 Sq Ft

    115 Granite Dr, Ruidoso, NM 88345

    Welcome to luxury! From the moment you step into this stunning contemporary mountain home, you'll be enraptured. Soaring 24-foot ceilings and picture windows show off the breathtaking mountain views. The expansive living area beckons you to sit and relax by the fireplace. Entertaining is a breeze with the open floorplan and custom gourmet kitchen with quartz countertops and all things stainless.

    Jillian Mills Fathom Realty NM

    115 Granite Dr, Ruidoso, NM 88345
  • /6

    $22,000

    • Land
    • 0.27 Acre
    • $81,481 per Acre

    Lot 12 Brentwood Dr, Alto, NM 88312

    Build your dream home in Alto NM on this lot nestled within the prestigious Alto Lakes Golf & Country Club. Complete with a Full Golf membership granting exclusive access to 3 private golf courses, as well as state-of-the-art amenities including a fitness center, inviting indoor and outdoor swimming pools & 3 upscale dining establishments.

    Deanna Miller Pinnacle Real Estate & Dev

    Lot 12 Brentwood Dr, Alto, NM 88312
  • /34

    $160,000

    • 3 Beds
    • 1.5 Baths
    • 1,642 Sq Ft

    601 East Ave, Carrizozo, NM 88301

    This clean 3-bedroom, 1.5-bath home offers fresh interior paint and plenty of space inside and out. A versatile bonus/craft room adds extra functionality—ideal for creative projects, a home office, or playroom.Enjoy a spacious, fully fenced yard perfect for pets, gardening, or outdoor gatherings. Located in a quiet rural neighborhood, this home provides a peaceful setting with easy access to

    Rye Richardson Zia Real Estate

    601 East Ave, Carrizozo, NM 88301
  • /28

    $179,500

    • Land
    • 5.13 Acres
    • $34,990 per Acre

    183 Corrida de Rio, Alto, NM 88312

    Beautiful 5-acre Ranches of Sonterra lot with improvements! The Corrida De Rio is a gated community within the Ranches of Sonterra. This exceptional property has 200 feet of the Rio Bonito running through the bottom part of the lot. Property improvements include; water well, electricity, and a cleared pad for building, the creek is well below the building pad. Wonderful Mountain Views, including

    Julie Rigsby Century 21 Aspen Real Estate

    183 Corrida de Rio, Alto, NM 88312
  • /37

    $795,000

    • 2 Beds
    • 2.5 Baths
    • 2,192 Sq Ft

    204 Pueblo Loop, Alto, NM 88312

    Beautifully upgraded 3 bed, 3 bath (or 2 bed and an office) townhome at Rainmakers Resort. Perfectly situated to offer panoramic views of Sierra Blanca, hole 15 green and tee box, and lovely lake from the living room, primary bedroom, and large fenced patio. Includes a full golf membership, giving access to many amenities including restaurant, pool, fitness center, walking trails, golf course,

    Jessica Thomas Rise Real Estate

    204 Pueblo Loop, Alto, NM 88312
  • /44

    $850,000

    • 4 Beds
    • 3 Baths
    • 3,108 Sq Ft

    203 Sunrise Ct, Ruidoso, NM 88345

    Wonderful Views from this 4 Bedroom 3 Bath Mountain Home. 2 Living Areas, Wood Floors, Open Kitchen plan, Formal Dinning, 2 Fireplaces, Furnished, Claw foot Tub, Double Car Garage, Hot Tub, Nice Decks, Paved Access. Walking Distance to Grindstone Lake. Close to Midtown. Cul-de-sac.

    ESMERALDA SANCHEZ Century 21 Aspen Real Estate

    203 Sunrise Ct, Ruidoso, NM 88345
  • /10

    $34,500

    • Land
    • 1.02 Acres
    • $33,824 per Acre

    102 Cliffside Rd, Ruidoso, NM 88345

    102 Cliffside (Lot 2, Unit 1, Alpine Village Cabins Subdivision) is a 1.02 acre lot with southern face with western and eastern sunset/sunrise views. The top, buildable shelf, is about 1/10th of an acre with the lower potion of the lot, sloping downward, at about 0.9 acres. Shared well and septic with electric and natural gas available. Shared Septic and Well maintained by the Homeowner's

    The Jeffery West Team Future Real Estate

    102 Cliffside Rd, Ruidoso, NM 88345
  • /8

    $150,000

    • Land
    • 5.2 Acres
    • $28,846 per Acre

    Lot 2A Snow Park Rd, Alto, NM 88312

    Expansive 5+ Acre Retreat in Alto. Nestled on over five lush, tree-filled acres brimming with wildlife, this stunning property in Alto offers breathtaking views and the perfect canvas to build your dream home. Enjoy the serenity of nature located just 2 miles from the Alto Country Club (while not being part of the club) and a quick 13-mile drive to Ski Apache. With ample space and proximity to

    Margaret Marx Pinnacle Real Estate & Dev

    Lot 2A Snow Park Rd, Alto, NM 88312
  • /4

    $55,000

    • Land
    • 0.27 Acre
    • $203,704 per Acre

    Lot 13C Marble Dr, Ruidoso, NM 88345

    Spanning approximately 0.27 acres, this wooded lot features a gentle slope and a mix of mature trees, creating natural privacy and scenic views year-round. Easy access from a paved road, along with nearby utilities, makes this property builder-friendly and ideal for a custom home, short-term rental, or weekend escape.

    Maria McDaniel Mountain Home Properties NM

    Lot 13C Marble Dr, Ruidoso, NM 88345
  • /69

    $1,950,000

    • 5 Beds
    • 4 Baths
    • 5,261 Sq Ft

    102 Doe Ct, Alto, NM 88312

    Beautifully maintained mountain-style home with Alto Lakes golf membership, tucked away on a quiet cul-de-sac with amazing views. This spacious 5 bed, 4 bath retreat offers Wood accents throughout, 2 Living areas, an office, and a huge kitchen perfect for entertaining. Enjoy level access, a paved drive, stucco exterior, nice landscaping, Fully furnished, with a large dining area & comfortable

    Scott Miller Pinnacle Real Estate & Dev

    102 Doe Ct, Alto, NM 88312
  • /7

    $200,000

    • Land
    • 6.09 Acres
    • $32,841 per Acre

    110 Hill Dr, Ruidoso Downs, NM 88346

    A private tract of land with utilities available. Easy access from Hwy 70 which goes down to the property on the left. Another access point is from Hill Dr.

    Rye Richardson Zia Real Estate

    110 Hill Dr, Ruidoso Downs, NM 88346
  • /29

    $250,000

    • 1 Bed
    • 1 Bath
    • 980 Sq Ft

    292 Ancho Rd, Ancho, NM 88301

    Located just outside Ancho, this 15-acre property offers 360 views of mountains and plains, privacy, and practical infrastructure—with no restrictions. Once a railroad work camp, later an outfitter's camp, and most recently a ranchette and second home. The property includes refrigerated air, central forced heating, a detached carport, and multiple outbuildings, including a bunkhouse for eight. A

    Dan Bolin AMoR Real Estate

    292 Ancho Rd, Ancho, NM 88301
  • /40

    $460,000

    • 2 Beds
    • 1.5 Baths
    • 2,107 Sq Ft

    211 Vera Cruz Rd, Capitan, NM 88316

    In the beautiful, unpolluted central mountains of New Mexico is a turnkey homestead, off-grid, all solar-powered, approximately 11kw photovoltaic with new high-quality equipment and an ample 600Ah Lifepo4 battery system, 10kw inverter with inverter generator backup. Spectacular mountain views, peaceful, quiet, and safe. The custom home is 1200 sq. ft timber (log) framed using local woods,

    Anne New High Desert Homes and Land

    211 Vera Cruz Rd, Capitan, NM 88316
  • /13

    $45,000

    • Land
    • 0.35 Acre
    • $128,571 per Acre

    237 Yellow Pine Rd, Ruidoso, NM 88345

    Whether you're planning a full-time residence or a mountain getaway, this lot is cleared and ready for you to build your dream home! Enjoy a view of Sierra Blanca in a peaceful setting. Manufactured Homes are allowed.

    Kaitlin Brophy Better Homes & Gardens Real Estate - Steinborn & Associates

    237 Yellow Pine Rd, Ruidoso, NM 88345
  • /11

    $39,000

    • Land
    • 0.28 Acre
    • $139,286 per Acre

    200 Alpine Village Rd, Ruidoso, NM 88345

    Corner lot with circle drive and very flat area for building. Very convenient location off Mechem drive. Access to city water, electric, natural gas available. Aerobic septic; 1200 sf minimum. Lot has been cleared after fire in 2024.

    Kelli Shelton Southern New Mexico Realty

    200 Alpine Village Rd, Ruidoso, NM 88345
  • /82

    $895,000

    • 4 Beds
    • 3.5 Baths
    • 3,900 Sq Ft

    104 Pat Thompson Ct, Ruidoso, NM 88345

    Beautifully Furnished, Gorgeous Santa Fe/Pueblo, Stucco Home. Great Views of Sierra Blanca and South Vistas for Privacy, Warm Winters, and Reasonable Utility Costs. Huge Trex Decks, Courtyard with Outdoor Kitchen & Brick Floors, Vaulted Ceilings! Oversize 2 Car Garage. 4 bd 3 1/2 Baths, 3 Fireplaces, Inviting Living Room and Decks!! Additional Game/Family Room. Quiet Seclusion, Paved Access and

    Joseph Zagone Century 21 Aspen Real Estate

    104 Pat Thompson Ct, Ruidoso, NM 88345
  • /31

    $610,000

    • 3 Beds
    • 2.5 Baths
    • 1,834 Sq Ft

    257 Timberline Dr, Ruidoso, NM 88345

    LARGE 0.55 ACRE LOT WITH STUNNING SIERRA BLANCA VIEWS!! Great curb appeal with this 3BD/2.5BA home with two lots replatted as one corner lot. Property features a paved circular drive and attached two car garage. Bamboo wood floors and accented by a high vault T&G wood ceiling with skylights creating a warm-open feel. CFA heat and air conditioning provide year-round comfort. Step outside to a

    Richard Loverin Loverin Real Estate

    257 Timberline Dr, Ruidoso, NM 88345
  • /10

    $299,000

    • Land
    • 0.46 Acre
    • $650,000 per Acre

    2945 Burro Ln, Ruidoso, NM 88345

    Prime commercial opportunity in the heart of Ruidoso! This .46-acre C2-zoned property is ideally situated just off bustling Sudderth Drive, offering high visibility and easy access. The large, flat lot features low-maintenance astro turf and a fenced front and side yard—perfect for a micro venue, boutique venue, or other creative commercial ventures (Buyer to verify Village Building

    Patrick Valliant Better Homes & Gardens Real Estate - Steinborn & Associates

    2945 Burro Ln, Ruidoso, NM 88345
  • /2

    $3,200,000

    • Land
    • 10.5 Acres
    • $304,762 per Acre

    26179 Highway 70 E Unit CONDO 2, Ruidoso Downs, NM 88346

    10 1/2 ACRES OF CONDOMINIUM DEVELOPMENT LAND FOR SALE LOCATED IN A PLANNED UNIT DEVELOPMENT. SUITABLE FOR 250 CONDOMINIUMS. ACQUIRE A LARGE-SCALE CONDOMINIUM SITE IN A PRIME LOCATION. HIGH TRAFFIC AREA .THIS PROPERTY OFFERS EXCELLENT VISIBILTY, STRONG MARKET DEMAND, AND CONVENIENT ACCESS TO MAJOR HIGHWAY, SHOPPING, DINING, AND RACETRACK. BRIDGE, ROADS AND ALL UTILITIES BEING INSTALLED.

    James Russ II REMAX Sierra Blanca Realty

    26179 Highway 70 E Unit CONDO 2, Ruidoso Downs, NM 88346
  • /47

    $545,000

    • 3 Beds
    • 3.5 Baths
    • 2,906 Sq Ft

    1182 Calle La Placita, Lincoln, NM 88338

    If you are looking for comfortable country living, lots of room to move around, and the community of small town life in Lincoln, NM , in a Registered Historical district, then step into this Old Trail House charming 2,906 Sq Ft home! This spacious 3-BR, 3.5-BA home on approximately 2.31 acres started life as a carriage house and was completely renovated in 1981, and has lots of possibilities! If

    Linda Long Berkshire Hathaway Home Services Enchanted Lands, REALTORS - Ruidoso

    1182 Calle La Placita, Lincoln, NM 88338
  • /50

    $632,500

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

    1373 High Mesa Rd, Alto, NM 88312

    Fully Furnished Alto Village Mountain Home with Full Golf Membership. One Level, 3 Bedroom, 3 1/2 Bath with Great Access & Parking-- 2nd Great Room--Used as Fourth Bedroom, Game Room or Office-Fireplace in each Living Room!! Main Living Room Features Vaulted Wood Ceilings, FP, & Wet Bar! Fully Furnished! Dining Area! Double Garage, Golf Cart Garage & Lots of Storage. Large Lot, 1.2 acres useable

    Joseph Zagone Century 21 Aspen Real Estate

    1373 High Mesa Rd, Alto, NM 88312
  • /52

    $250,000

    • 3 Beds
    • 2 Baths
    • 1,504 Sq Ft

    104 N View Dr, Capitan, NM 88316

    Welcome to your slice of country living! This well-maintained 3-bedroom, 2-bath home sits on almost 2 acres of open, usable land--perfect for gardening, livestock, or simply enjoying wide-open spaces. Recent updates include a new roof and new HVAC system, offering peace of mind and energy efficiency. The property features a shed for storage and lots of useable south facing land making it ideal

    Rye Richardson Zia Real Estate

    104 N View Dr, Capitan, NM 88316
  • /10

    $31,500

    • Land
    • 20 Acres
    • $1,575 per Acre

    221 Shadow Mountain Rd, Carrizozo, NM 88301

    This exceptional parcel is at the eastern boundary of Valle del Sol. It offers unobstructed views of Carrizozo Peak as well as the Vera Cruz and Sacramento mountain ranges. A 28' culvert and driveway provide access onto the land. Power, city water, and fiber optic internet are in place at the parcel boundary. There is no HOA, but covenants and restrictions protect your investment.

    Anne New High Desert Homes and Land

    221 Shadow Mountain Rd, Carrizozo, NM 88301
  • /20

    $659,000

    • 3 Beds
    • 2 Baths
    • 2,060 Sq Ft

    403 White Mountain Meadows Dr, Ruidoso, NM 88345

    This beautiful and spacious home is located in prestigious White Mountain Meadows, a gated community. Ideally located to all area amenities. Very well-appointed 3 BR, 2 BA home, plus an exercise room. Nice landscaping, large decks front and back. Lot goes street to street so a driveway could be put in for level access with no stairs.

    Linda Long Berkshire Hathaway Home Services Enchanted Lands, REALTORS - Ruidoso

    403 White Mountain Meadows Dr, Ruidoso, NM 88345
  • /20

    $259,000

    • 2 Beds
    • 2 Baths
    • 1,242 Sq Ft

    133 Junction Rd, Ruidoso, NM 88345

    Two bedroom, two bath home, nestled in the scenic mountain village of Ruidoso, this home offers a peaceful retreat surrounded by the natural beauty of southern New Mexico. This property sits in a quiet area with easy access to the town's charming shops, restaurants, and outdoor attractions. With its charm and tranquil setting, it's a great spot for a cozy getaway or a full-time mountain lifestyle.

    Erika Perry HiLo Real Estate

    133 Junction Rd, Ruidoso, NM 88345
  • /22

    $16,000

    • Land
    • 5.01 Acres
    • $3,194 per Acre

    106 Burl Rd, Carrizozo, NM 88301

    A corner lot with views for miles in the Valle Del Sol subdivision near Carrizozo. This 5 acres is level making it a perfect place for your new home. Mountain views and privacy are a few of the perks to living here. Minutes from Carrizozo with easy access off Hwy 380. Ruidoso just 25 minutes away. Capitan even closer!

    Margaret Marx Pinnacle Real Estate & Dev

    106 Burl Rd, Carrizozo, NM 88301
  • /21

    $50,000

    • Land
    • 2.93 Acres
    • $17,065 per Acre

    170 W Grandview Rd, Capitan, NM 88316

    Nestled in a quiet rural community, this parcel offers wide-open views of the Capitans and Sierra Blanca, and endless potential. With plenty of room for gardening, livestock, outbuildings, or recreational use, this property is ideal for those seeking space, privacy, and a slower pace of life. Buyer to verify available utilities. This lot can also be purchased together with the adjacent parcel at

    Kaitlin Brophy Better Homes & Gardens Real Estate - Steinborn & Associates

    170 W Grandview Rd, Capitan, NM 88316
  • /28

    $494,000

    • 3 Beds
    • 3 Baths
    • 1,680 Sq Ft

    108 Twin Tree Loop, Alto, NM 88312

    Nestled among the trees in Alto, this private and quiet 2-story home offers the perfect balance of comfort and charm. Featuring 3 spacious bedrooms, 3 bathrooms, A game room/theatre room and a social lot with access to 3 premier clubs, this property is ideal for both full-time living and a serene getaway. Recently remodeled, it provides modern updates while preserving its mountain

    Charles Scott Better Homes & Gardens Real Estate - Steinborn & Associates

    108 Twin Tree Loop, Alto, NM 88312
  • /53

    $427,500

    • Land
    • 217 Acres
    • $1,970 per Acre

    tbd Jicarilla Rd, White Oaks, NM 88301

    Discover over 200 breathtaking acres in the historic community of White Oaks, New Mexico. This exceptional property borders BLM land, offering unmatched privacy, expansive views, and sweeping vistas of the storied White Oaks landscape. Partially fenced and featuring a shared well agreement and electric is nearby, this land presents a rare opportunity to build your own dream home, ranch or getaway

    Chad Casson NM Ranch & Luxury, LLC

    tbd Jicarilla Rd, White Oaks, NM 88301
  • /3

    $49,500

    • Land
    • 0.25 Acre
    • $198,000 per Acre

    104 Catron Rd, Ruidoso, NM 88345

    Great price for this lovely lot that backs up to National Forest!! Nice houses on both sides, in a quiet area yet in the middle of Ruidoso! All city utilities except Aerobic Septic required. City water, Zia Gas, TDS cable/phone, PNM Electric. Site built only, verifying Sq. Ft. minimum, est. is 1400 Sq. Ft. Build your awesome mountain getaway or your permanent home, see the lovely homes all around

    Nancy Lincoln Coldwell Banker SDC

    104 Catron Rd, Ruidoso, NM 88345

Showing Results 361 - 400, Page 10 of 14

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