1,103

Lincoln County NM Homes for Sale

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  • /9

    $275,000

    101 E Texas St, Ruidoso, NM 88345

    Prime location in the very heart of Ruidoso! This large tract is situation directly in between the commerce and tourism district of Midtown and popular Wingfield Park. This is a blank canvas, perfect for a foot traffic-heavy business or potential new home site. Walkable to just about all of the restaurants and shopping in Midtown, you won't find a more desirable spot to make your dreams comes

    Leroy Smith Fathom Realty NM

    101 E Texas St, Ruidoso, NM 88345
  • /72

    $459,000

    • 4 Beds
    • 2 Baths
    • 2,134 Sq Ft

    206 Jack Little Dr, Ruidoso, NM 88345

    Authentic Ruidoso log cabin near The Links at Sierra Blanca! This furnished mountain retreat is an established nightly rental with inviting cabin character, two living areas and plenty of room to gather. Enjoy everything you need on the main level, with additional bedrooms and living space upstairs. Covered decks, hot tub and a large, usable backyard with beautiful trees create great outdoor

    Agent Photo

    Gavin Bigger

    Better Homes & Gardens Real Estate - Steinborn & Associates

    206 Jack Little Dr, Ruidoso, NM 88345
  • /21

    $114,000

    • 1 Bed
    • 1 Bath
    • 544 Sq Ft

    101A Innsbrook Dr Unit 307, Ruidoso, NM 88345

    Updated & Fully Furnished 1/1 Condo Located at Innsbrook Village Lodge - This turn-key property features a simple, functional floor plan, spacious bedroom, wood burning fireplace, granite countertops throughout, generous kitchen cabinetry and storage, and a large walk-in shower, and central A/C. Updates throughout give the space a clean, move-in-ready feel. Community amenities include an on-site

    Agent Photo

    Eric Vaughn

    Century 21 Aspen Real Estate

    101A Innsbrook Dr Unit 307, Ruidoso, NM 88345
  • /138

    $1,895,000

    • 6 Beds
    • 4.5 Baths
    • 4,000 Sq Ft

    156 Gavilan Rd, Ruidoso, NM 88345

    Stunning Remodeled Home on 4.6 Private Acres Ranch-View Oasis! This beautifully updated and fully remodeled home sits on 4.6 expansive acres of serene countryside. It backs directly to a sprawling ranch, offering breathtaking unobstructed views Of Sierra Blanca and ultimate privacy. Inside, enjoy a bright open-concept layout with a huge great room perfect for entertaining and relaxing while

    Rhonda Burns Destiny Real Estate

    156 Gavilan Rd, Ruidoso, NM 88345
  • /12

    $125,000

    $42K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,230 Sq Ft

    223 Turkey Canyon Ln, Ruidoso Downs, NM 88346

    Reduced! Large, flat corner lot with a one car garage, and carport. Detached site built storage/hobby building and the lot is fenced around. Home has a metal roof, good size front deck, 3 bed room, one bath, large kitchen and a living room. Home is on city water (and well) and septic tank. Any question please call listing Broker.

    EMESE FISHER Fisher Real Estate, LLC

    223 Turkey Canyon Ln, Ruidoso Downs, NM 88346
  • /20

    $675,000

    • 3 Beds
    • 3.5 Baths
    • 2,899 Sq Ft

    245 Country Club Dr, Ruidoso, NM 88345

    Sierra Blanca Views & Walk-to-Town Convenience!Beautifully remodeled and fully furnished 3-bedroom, 3-bath home with stunning Sierra Blanca views. Enjoy a prime location within walking distance of downtown, plus a double-car garage, private hot tub, and low-maintenance yard. Perfect as a full-time home, vacation getaway, or excellent Airbnb investment opportunity--this one is ready to

    Robin Shackelford Berkshire Hathaway Home Services Enchanted Lands, REALTORS - Ruidoso

    245 Country Club Dr, Ruidoso, NM 88345
  • /20

    $98,500

    • 1 Bed
    • 1 Bath
    • 544 Sq Ft

    101A Innsbrook Dr Unit 405, Ruidoso, NM 88345

    Agent Photo

    Eric Vaughn

    Century 21 Aspen Real Estate

    101A Innsbrook Dr Unit 405, Ruidoso, NM 88345
  • /25

    $45,000

    • Land
    • 6.5 Acres
    • $6,923 per Acre

    121 San Mateo Dr, Alto, NM 88312

    121 San Mateo Dr. (Lot 206, The Ranches of Sonterra) is a 6.5-acre parcel w/ Ponderosa pine, juniper & piƱon. Per sellers, an ideal building site sits on the NE portion, w/ a relatively flat area to build & enjoy mountain views & privacy. Electric & natural gas available at property line; well & septic needed. Shared drive serves this parcel w/ 115, 117 & 119 San Mateo. Per ROS CC&Rs: primary

    The Jeffery West Team Future Real Estate

    121 San Mateo Dr, Alto, NM 88312
  • /19

    $324,900

    • 3 Beds
    • 3.5 Baths
    • 1,860 Sq Ft

    214 Metz Dr Unit 230, Ruidoso, NM 88345

    Your Perfect Retreat Awaits!This beautiful, spacious retreat designed for comfort, relaxation, and effortless entertaining. Featuring 3 bedrooms and 3.5 baths, this thoughtfully updated home offers a welcoming layout with an updated kitchen and a cozy gathering area centered around the fireplace. There's plenty of room for family and friends to relax and make lasting

    Melinda Bower Innsbrook Village CC & Resort

    214 Metz Dr Unit 230, Ruidoso, NM 88345
  • /25

    $189,000

    • 3 Beds
    • 2 Baths
    • 1,232 Sq Ft

    166 Juniper Rd, Ruidoso, NM 88345

    Welcome to 166 Juniper Rd, a wonderful mountain retreat nestled in the beautiful pines of Ruidoso, New Mexico. Surrounded by the natural beauty and peaceful atmosphere the area is known for, this property offers the perfect setting for enjoying cool mountain air, abundant wildlife, and the relaxed Ruidoso lifestyle.Whether you're looking for a **full-time residence, weekend getaway, or

    Agent Photo

    Leslie Sisk

    Mountain Home Properties NM

    166 Juniper Rd, Ruidoso, NM 88345
  • /57

    $325,000

    $14K PRICE DROP
    • 2 Beds
    • 2.5 Baths
    • 1,380 Sq Ft

    205 Racquet Dr Unit 10-C, Ruidoso, NM 88345

    THIS IS IT! Don't miss out on this beautifully situated condo located in the mountain resort of Ruidoso, NM. You'll appreciate this single level furnished unit ready for you to relax and enjoy the scenic vistas, including Sierra Blanca. Two private ensuite bedrooms plus two and a half baths for your convenience. Living area with tongue and groove wood ceilings that enhances the mountain character

    Rhonda Albers Coldwell Banker SDC

    205 Racquet Dr Unit 10-C, Ruidoso, NM 88345
  • /11

    $1,900,000

    • Land
    • 28.8 Acres
    • $65,972 per Acre

    900 Nm State Highway 48, Alto, NM 88312

    Large Corner acreage on the corner of Highway 48 and Ski Run Road across the street from Alto Village. So many possibilities for this property. Super Highway and corner location. Sierra Blanca and Mountain views. Nice tree coverage. What a great public exposure property for so may possibilities. Owner could possibly consider a trade and could possibly consider some financing. Not aware of any

    Gary Lynch Berkshire Hathaway Home Services Enchanted Lands, REALTORS - Ruidoso

    900 Nm State Highway 48, Alto, NM 88312
  • /24

    $120,000

    • Land
    • 15 Acres
    • $8,000 per Acre

    170 Blackwater Draw Rd, Arabela, NM 88351

    Discover the beauty and wide-open spaces of Arabela, NM with this stunning 15-acre parcel offering gorgeous mountain views and endless possibilities! With multiple potential building sites, you can choose the perfect setting to take advantage of the surrounding scenery, privacy, and peaceful New Mexico landscape. A private well is already included, adding valuable convenience as you plan your

    Mirissa Good Better Homes & Gardens Real Estate - Steinborn & Associates

    170 Blackwater Draw Rd, Arabela, NM 88351
  • /8

    $29,500

    • Land
    • 20,473 Sq Ft
    • $62,766 per Acre

    341 Lakeshore Dr, Alto, NM 88312

    Really nice Full Golf Membership lot with Sierra Blanca View. Good tree coverage. Large lot close to 1/2 acre of land. Homes already built on both sides of the property. Possibilities for a driveway by viewing the properties next door. Potential Buyers to verify this for themselves. Potential Buyers are not allowed to go on the adjoining properties without owner permission.

    Gary Lynch Berkshire Hathaway Home Services Enchanted Lands, REALTORS - Ruidoso

    341 Lakeshore Dr, Alto, NM 88312
  • /5

    $38,950

    • Land
    • 20,037 Sq Ft
    • $84,674 per Acre

    PN0361738 Trail, Ruidoso, NM 88345

    Gentle slopes

    Irma Valenzuela Irma C. Valenzuela Realty

    PN0361738 Trail, Ruidoso, NM 88345
  • /9

    $59,000

    • Land
    • 15,681 Sq Ft
    • $163,889 per Acre

    L2, B8 Sage Rd, Alto, NM 88312

    Nice VERY buildable Lot with Social membership Alto Lakes Golf & Country Club. Set up your home just right to see Capitan mountains. Enjoy three restaurants, great outdoor pool, tennis and pickle ball courts. The indoor lap pool and fitness center are open year around. Easy access just off High Mesa Dr. on to Sage Dr (level access) second lot on your left.

    Tamara Bailey Century 21 Aspen Real Estate

    L2, B8 Sage Rd, Alto, NM 88312
  • /72

    $595,000

    $20K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 1,844 Sq Ft

    111 Ranchmans Camp Rd, Capitan, NM 88316

    Escape to your own private mountain retreat! Nestled on 10 picturesque acres of fenced pasture, this beautiful log home offers the perfect blend of rustic charm, comfort, and breathtaking natural beauty. Access to the National Forest with panoramic mountain views. The main home features a warm and inviting open living area with soaring ceilings, exposed wood beams large windows that frame the

    Darien Ross Fathom Realty NM

    111 Ranchmans Camp Rd, Capitan, NM 88316
  • /64

    $1,180,000

    New Construction
    • 4 Beds
    • 4 Baths
    • 3,600 Sq Ft

    353 Sandesta Dr, Alto, NM 88312

    NEW CONSTRUCTION-CUSTOM HOME! Mountain retreat one-level home with 4BD/4BA (2 master suites) with bonus rooms and a 1BD/1BA detached casita on approximately 5.54 acres with 210' of Rio Bonito River frontage. Nestled amongst nice pasture areas with tree, valley and Capitan views. Also includes a detached approx. 900 sq. ft two car garage with workshop-hobby area. Home offers spacious open concept

    Richard Loverin Loverin Real Estate

    353 Sandesta Dr, Alto, NM 88312
  • /47

    $299,999

    • 2 Beds
    • 2 Baths
    • 1,144 Sq Ft

    113 Ebarb Dr Unit 134512, Ruidoso, NM 88345

    Charming furnished Upper Canyon cabin with fresh exterior paint, rustic mountain character, roomy master suite, light-filled living area with abundant windows, bonus loft sleeping area, and Murphy bed for added flexibility. Ideal as a getaway, second home, or vacation rental; established rental history available to qualified buyers.

    Angie Olivas Cozy Cabins Real Estate DBA NM Homes & Land

    113 Ebarb Dr Unit 134512, Ruidoso, NM 88345
  • /42

    $1,200,000

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

    256 Pueblo Loop, Alto, NM 88312

    Experience refined Southwest living in this elegant Grande Pueblo residence located within the prestigious Rainmakers Golf Resort. Designed with exceptional craftsmanship, the home welcomes you through a covered courtyard and entry highlighted by wood-beamed corbels and illuminated art niches, creating a warm and inviting first impression. The spacious open-concept living area captures beautiful

    Chad Casson NM Ranch & Luxury, LLC

    256 Pueblo Loop, Alto, NM 88312
  • /75

    $699,000

    • 3 Beds
    • 2.5 Baths
    • 3,359 Sq Ft

    405 Barcus Rd Unit 134508, Ruidoso, NM 88345

    Luxurious single level home located in Cree Meadows Ruidoso. Stunning Meadow & Mountain Views. 3 bedrooms, 2 1/2 baths, & an entire west wing devoted to the primary bedroom w/several walk-in closets & custom bath/shower. The main living area features a gas fireplace under a cathedral ceiling, plus a separate office or family room. Custom kitchen offers a center island, stone counters, double

    James Russ II REMAX Sierra Blanca Realty

    405 Barcus Rd Unit 134508, Ruidoso, NM 88345
  • /29

    $375,000

    • 3 Beds
    • 2 Baths
    • 1,455 Sq Ft

    203 Jack Little Dr, Ruidoso, NM 88345

    This 3-bedroom, 2-bathroom home offers comfortable mountain living with a 2-car garage, fenced backyard, and fantastic outdoor entertaining space. Enjoy the outdoors from the carbon fiber decking featuring an outdoor kitchen with a natural gas grill, hot tub, and sauna perfect for relaxing or entertaining family and friends. Inside, the home is equipped with three mini-split systems for efficient

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

    203 Jack Little Dr, Ruidoso, NM 88345
  • /16

    $48,500

    • Land
    • 20,037 Sq Ft
    • $105,435 per Acre

    732 Center St, Ruidoso, NM 88345

    Nearly half an acre with expansive valley views and a convenient location just minutes from Midtown Ruidoso. This buildable lot offers a great opportunity to create your own mountain getaway, full-time residence, or investment property while staying close to shopping, dining, entertainment, and everything Ruidoso has to offer! One of the few available lots this close to the heart of town.

    Nenada Maslovaric Century 21 Aspen Real Estate

    732 Center St, Ruidoso, NM 88345
  • /5

    $150,000

    • Land
    • 36,154 Sq Ft
    • $180,723 per Acre

    1129 Main Rd, Ruidoso, NM 88345

    This is your chance to own almost an acre in the Upper Canyon! Past home of Mountain Air Cabins. Has been cleared and is ready for you to build your dream home or cabin business. Also Selling the lot above (106 Canon)

    Alyx Duncan Mountain Air Realty

    1129 Main Rd, Ruidoso, NM 88345
  • /23

    $75,000

    • 1 Bed
    • 1 Bath
    • 860 Sq Ft

    311 S Nogal Ave, Capitan, NM 88316

    Investment Opportunity in Capitan! Historic 1-bedroom, 1-bathroom adobe and frame home built in 1932. Offering 860 sq. ft. on a flat, usable 50 x 100 ft. lot, this property is a prime fixer-upper candidate for a full renovation, flip, or rental holding. Carport and shed in the back. RVs allowed!

    Lily Mendenall Future Real Estate

    311 S Nogal Ave, Capitan, NM 88316
  • /75

    $995,000

    • 3 Beds
    • 3.5 Baths
    • 2,358 Sq Ft

    247 Homestead Loop, Ruidoso, NM 88345

    Mountain living at its finest! Beautiful 3- to 4-bedroom, 3.5-bath home on 5.5 acres adjoining National Forest with impressive Sierra Blanca views. Located in a desirable subdivision just outside Village limits, enjoy peaceful country living only minutes from town. Warm mountain character includes T&G aspen ceilings and wall accents, granite countertops, hickory cabinetry, two wood-burning

    Angie Olivas Cozy Cabins Real Estate DBA NM Homes & Land

    247 Homestead Loop, Ruidoso, NM 88345
  • /35

    $99,000

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

    203 Main Rd, Capitan, NM 88316

    Discover the potential of this single-level single wide manufactured home with 3 bedrooms and 2 baths located in the Village of Capitan. Situated on a spacious lot just under an acre extending from Main Road to Carole Drive, the property is served by Village of Capitan water and a private septic system. Enjoy soft views of Sierra Blanca from the residence while benefiting from ample parking for

    Chad Casson NM Ranch & Luxury, LLC

    203 Main Rd, Capitan, NM 88316
  • /69

    $695,000

    $15K PRICE DROP
    • 4 Beds
    • 4 Baths
    • 2,717 Sq Ft

    108 Tomahawk Trail Unit 134503, Ruidoso, NM 88345

    Sophisticated Mountain Ambiance Welcomes You To This Fabulous 4BR/4BA/2CG Furnished Home. Nestled In The Tall Pines Overlooking Carrizo Creek This Pristine Property Is Situated On An Almost Half Acre Lot. Open Light and Bright Floorplan With Incredible Natural Light. Delightful Kitchen With Bar Seating and Dining Area. This Home Offetrs Two Primary Bedrooms On Each Level, Vaulted Ceilings and

    Misty Strickland REAL Broker

    108 Tomahawk Trail Unit 134503, Ruidoso, NM 88345
  • /49

    $435,000

    $44K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,388 Sq Ft

    130 Lookout Peak Rd Unit 134498, Capitan, NM 88316

    This unique, turnkey horse property boasts numerous amenities, close-in location and expansive views. Lighted pathways connect three separate terraces for the home, shop and horse facilities. Centrally situated on the property, the spacious 4-bedroom home features an open floorplan, two separate living areas and ample storage. Interior and exterior are recently painted and quality vinyl plank

    Jessie Hanson Fathom Realty NM

    130 Lookout Peak Rd Unit 134498, Capitan, NM 88316
  • /63

    $799,000

    • 4 Beds
    • 2.5 Baths
    • 2,402 Sq Ft

    255 New Mexico 220, Alto, NM 88312

    Discover your own mountain escape with this beautiful 4 bedroom/3 bath home nestled on 4.35 scenic acres along Airport Road. Offering both privacy and convenience, this property combines the peace of nature with easy access to town and local amenities. Step inside to a warm and inviting open concept, where vaulted ceilings and abundant natural light create a sense of space & comfort. The rock

    Gina Acker Destiny Real Estate

    255 New Mexico 220, Alto, NM 88312
  • /63

    $314,000

    $5K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,053 Sq Ft

    100 San Miguel Rd, Ruidoso, NM 88345

    100 San Miguel Rd is a 3 bedroom, 2 bath house on about 02.8 acre lot, w/ a circle drive, surrounded by Ponderosa Pine trees. Enter into vaulted-ceiling living room from covered front porch. Woodburning fireplace to the right, open kitchen/living room floor plan. Bedrooms down the hall to the left with guest bath in the middle. Master bedroom at end of hallway on right with en-suite bath. Deck

    The Jeffery West Team Future Real Estate

    100 San Miguel Rd, Ruidoso, NM 88345
  • /54

    $489,000

    • 4 Beds
    • 4 Baths
    • 1,907 Sq Ft

    105 Los Padres Ct, Ruidoso, NM 88345

    Offering nearly 2,000 square feet of warm mountain charm, this beautifully maintained 4-bedroom, 4-bath property is offered fully furnished and move-in ready. The main home features 2 bedrooms and 2 baths, while the detached casita includes a kitchenette, 2 full baths, and an attached garage, providing exceptional flexibility for guests and family.Inside, you'll find warm mountain

    Agent Photo

    Paula Sommers

    Pinnacle Real Estate & Dev

    105 Los Padres Ct, Ruidoso, NM 88345
  • /22

    $39,950

    $3K PRICE DROP
    • Land
    • 2.14 Acres
    • $18,668 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
  • /21

    $250,000

    • 3 Beds
    • 2 Baths
    • 1,424 Sq Ft

    300 Utah Ln, Ruidoso Downs, NM 88346

    Check-out this beautifully remodeled 3-bedroom, 2-bath manufactured home in the heart of Ruidoso Downs! Offering the perfect combination of modern updates, comfort, and mountain charm, this move-in ready home comes fully furnished, making it an ideal full-time residence, vacation getaway, or investment property. Step inside to discover a tastefully updated interior featuring a spacious,

    Agent Photo

    Shane Zimmerman

    Fathom Realty NM

    300 Utah Ln, Ruidoso Downs, NM 88346
  • /78

    $589,000

    • 3 Beds
    • 3.5 Baths
    • 2,991 Sq Ft

    122 Wood Ln, Ruidoso Downs, NM 88346

    Tucked away in a quiet neighborhood near the edge of Lincoln National Forest, this furnished mountain retreat offers the perfect blend of privacy, recreation, and incredible scenery. Set on nearly 5 acres, enjoy sweeping views of the forested valley and surrounding mountains from the expansive deck. Inside, you'll find cherry cabinetry, granite countertops, stainless appliances, a loft, bonus

    Agent Photo

    Gavin Bigger

    Better Homes & Gardens Real Estate - Steinborn & Associates

    122 Wood Ln, Ruidoso Downs, NM 88346
  • /23

    $499,500

    • 3 Beds
    • 3 Baths
    • 2,376 Sq Ft

    116 Augusta Ct, Alto, NM 88312

    SPACIOUS ALTO TOWNHOME WITH VIEWS! This 3BD/3BA home offers views and an open-concept kitchen, dining and main living area featuring vaulted ceilings and a cozy fireplace. A large family/game area on the lower level, along with a bedroom/bath area, makes it ideal for guests or entertaining. A spacious primary suite with its own fireplace is on the upper level. Additional features include a

    Richard Loverin Loverin Real Estate

    116 Augusta Ct, Alto, NM 88312
  • /7

    $95,000

    • 2 Beds
    • 1 Bath
    • 810 Sq Ft

    25972 Us-70 Unit 708, Ruidoso, NM 88345

    Priced to sell! Lovely remodeled 2br/1ba in the desirable Pinecliff Village Condos on the second floor. Fully furnished. The complex offers amenities such as a swimming pool, hot tub, clubhouse, full laundry room, and recreation areas. Monthly dues cover free cable tv, internet, phone, water, sewer, trash removal, as well as exterior building, roof, and landscape maintenance. Motivated seller!

    Valerie Ortiz REMAX Sierra Blanca Realty

    25972 Us-70 Unit 708, Ruidoso, NM 88345
  • /59

    $499,000

    $56K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,648 Sq Ft

    107 Valley Ct, Alto, NM 88312

    Discover the perfect blend of tranquility and comfort in this inviting single-level 3-bedroom, 2-bath home with a 2-car garage, complete with a desirable social membership to the prestigious Alto Lakes Golf & Country Club. Step inside to an open-concept floor plan bathed in natural light, featuring a delightful kitchen equipped with wood cabinetry, stainless steel appliances, and a convenient

    Margaret Marx Pinnacle Real Estate & Dev

    107 Valley Ct, Alto, NM 88312
  • /61

    $429,000

    • 3 Beds
    • 3.5 Baths
    • 2,480 Sq Ft

    220 Lookout Dr Unit J1, Ruidoso, NM 88345

    Panoramic and Stunning Sierra Blanca and Mountain Views Welcome You To This Exceptional and Beautifully Updated 3BR/3.5BA Lookout Estates Condominum! Amazing Natural Light Abounds From Your Open Concept Upper Level Living Space Gorgeous Kitchen With Granite Countertops, With Bar Seating and Dining Area Perfect for Entertaining Friends and Family, Enjoy Warm and Cozy Time With Two Woodburning

    Misty Strickland REAL Broker

    220 Lookout Dr Unit J1, Ruidoso, NM 88345
  • /13

    $225,000

    $25K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,566 Sq Ft

    212 Billy the Kid Ct, Alto, NM 88312

    Single level three bedroom, two bath manufactured home. Two large living areas with dedicated laundry room and dining room. Spacious main bedroom with ensuite. Large screened in sun room. Large fenced yard with storage shed and garage. Rental history available!

    Kylie Barry Berkshire Hathaway Home Services Enchanted Lands, REALTORS - Ruidoso

    212 Billy the Kid Ct, Alto, NM 88312

Showing Results 161 - 200, Page 5 of 18

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