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New Construction Homes in Flathead County, MT

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  • /18

    $1,100,000 Lot/Land

    5985 N Ashley Lake Rd, Kila, MT 59920

    • 21 Acres
    • $52,381 per Acre

    Lakefront living redefined! Secure your slice of paradise with a 1/5th undivided interest in 8 acres of stunning Ashley Lake shoreline, featuring 1,500 feet of frontage. Enjoy deeded, shared navigable access to a private dock, making boating and swimming a daily delight. Immerse yourself in the emerald hues of Ashley Lake and relish the peace and privacy this unique property provides. Just a

    Bret Richmond National Parks Realty - Bigfork

    5985 N Ashley Lake Rd, Kila, MT 59920
  • /32

    $249,900 Lot/Land

    1114 Lake Pointe Dr, Bigfork, MT 59911

    • 0.23 Acre
    • $1,086,522 per Acre

    Gated Luxury Living in Eagle BendWelcome to Lake Pointe—Bigfork’s premier gated community where elegance meets Montana’s natural beauty. This gorgeous lot offers the rare opportunity to build your dream home within the exclusive Eagle Bend community, just moments from Flathead Lake, world-class golfing, and the charming village of Bigfork. Perfectly positioned to capture serene pond views, a

    Sandra West eXp Realty - Kalispell

    1114 Lake Pointe Dr, Bigfork, MT 59911
  • /16

    $325,000 Lot/Land

    115 Autumn Ct, Whitefish, MT 59937

    • 1.87 Acres
    • $173,797 per Acre

    This 1.87-acre lot features a gravel driveway, a private well, electricity located near the future home site, and a septic permit expected to be finalized soon. Tucked away in a quiet cul-de-sac about halfway between Whitefish and Kalispell, the property offers a mix of flat and gently sloped land. With minimal covenants, no zoning, and no short-term rental restrictions, it provides plenty of

    Kirk Rossiter The Agency

    115 Autumn Ct, Whitefish, MT 59937
  • /14

    $320,000 Lot/Land

    1154 Pheasant Haven Dr, Kalispell, MT 59901

    • 1.87 Acres
    • $171,123 per Acre

    Discover 1.87 acres of beautifully usable ground in sought-after South Kalispell. This property offers a stunning mountain backdrop, level topography, and the ideal blend of privacy and convenience. With community water available and septic approval already in place, much of the upfront work is complete—making it easier to move forward with your Montana dream home or investment build. Enjoy

    Lacy Richter PureWest Real Estate - Lakeside

    1154 Pheasant Haven Dr, Kalispell, MT 59901
  • /13

    $1,125,000 Lot/Land

    151 Barkley Ridge Trail, Kalispell, MT 59901

    • 6.56 Acres
    • $171,494 per Acre

    Outstanding investment opportunity in a high-traffic, light industrial zone just off US Hwy 93 between Kalispell and Whitefish, Montana. This 6+ acre parcel features paved access, excellent visibility, and is suited for storage facilities, light assembly/manufacturing, fabrication, processing, and more (see CC&Rs & Zoning Regulations in documents). Power and natural gas are available at the lot,

    Michael Hodges Silvercreek Realty Group LLC - MT

    151 Barkley Ridge Trail, Kalispell, MT 59901
  • /10

    $950,000 Lot/Land

    Lot 5 Geyser Rd, Whitefish, MT 59937

    • 1.15 Acres
    • $826,087 per Acre

    Snowy Mountain subdivision offers four individually platted development parcels: Lots 2, 3, 4, and 5. Each zoned WB-2, Whitefish’s Secondary Business District. This zoning allows a balanced mix of commercial and residential uses, giving developers the flexibility to create up to 18 multifamily units per lot or pursue a range of business-oriented projects. WB-2 is designed to support community

    Ryan Thompson Western Ranch Brokers LLC

    Lot 5 Geyser Rd, Whitefish, MT 59937
  • /52

    $1,249,000 Lot/Land

    5879 Us Highway 93 S, Whitefish, MT 59937

    • 1.03 Acres
    • $1,212,621 per Acre

    Strategically located along the high-traffic US Highway 93 corridor just south of Highway 40, this 1.03-acre prime development site offers approximately 148’ of direct highway frontage in the heart of Whitefish’s most significant path of progress. With city water now available to the property, the site is exceptionally well-positioned for an investor or developer to pursue high-density

    Theresa Hartwell Performance Real Estate, Inc.

    5879 Us Highway 93 S, Whitefish, MT 59937
  • /18

    $699,000 Lot/Land

    164 River Rd, Kalispell, MT 59901

    • 22 Acres
    • $31,773 per Acre

    Rare opportunity in town! This 22-acre parcel offers excellent access off River Road and features approximately 1,400 feet of Whitefish River frontage along its southern boundary. The eastern boundary is secured with a 6-foot chain link fence, adding definition and security. With a combination of open ground, river frontage, and prime location, the property presents outstanding potential for

    Tricia Bennatt-Beres National Parks Realty - Eureka

    164 River Rd, Kalispell, MT 59901
  • /15

    $248,000 Lot/Land

    422 Charlotte Peak Dr, Kalispell, MT 59901

    • 1.13 Acres
    • $219,469 per Acre

    LOT 33: This exceptional lot in the coveted Holbrook Estates subdivision offers a balance of tranquility and convenience. Located just minutes from shopping, dining and recreational opportunities, this property offers the serenity of country living. Full prepared for immediate build out, you'll find water, electricity and fiber optics to the lot line. At just over an acre, there is ample room for

    Sandy O'Connell PureWest Real Estate - Lakeside

    422 Charlotte Peak Dr, Kalispell, MT 59901
  • /19

    $549,000 Lot/Land

    828 Abbot Village Dr, Bigfork, MT 59911

    • 0.58 Acre
    • $946,552 per Acre

    Welcome to 828 Abbot Lake Road – a rare opportunity to own a stunning waterfront property that perfectly blends natural beauty, privacy, & convenience. Nestled along the peaceful shores of Abbot Lake, this charming lot offers direct water access, breathtaking views, & the soothing sounds of nature. This property is ideal for boating, fishing, kayaking, or simply relaxing by the water’s edge.

    Corey Olofson Coldwell Banker Mountain Properties

    828 Abbot Village Dr, Bigfork, MT 59911
  • /30

    $210,000 Lot/Land

    48 Bridle Ct, Bigfork, MT 59911

    • 0.55 Acre
    • $381,818 per Acre

    Bridle Court offers a great building location just above the community clubhouse and pool and like all Saddlehorn lots, is bordered by permanent open space. Purchase this lot and join the growing mountain community of Saddlehorn, with awesome HOA amenities including the Chief Cliff overlook pavilion, affording breathtaking western views of Flathead lake and Blacktail mountain, the Clubhouse,

    Chuck Shields PureWest Real Estate - Bigfork

    48 Bridle Ct, Bigfork, MT 59911
  • /6

    $525,000 Lot/Land

    704 13th St E, Whitefish, MT 59937

    • 0.12 Acre
    • $4,375,000 per Acre

    Remarks: Great Commercial Land piece with high visibility! Located in the heart Downtown Whitefish right next to Walgreens and the UPS Store with Whitefish Mountain Resort views. Great Hwy 93 visibility, shared parking, and various commercial uses with WB2 zoning. All of this makes this a special piece to not miss out on!

    Scott Strellnauer PureWest Real Estate - Whitefish

    704 13th St E, Whitefish, MT 59937
  • /17

    $499,500 Lot/Land

    1414 Glacier Hills Dr W, Martin City, MT 59926

    • 6.27 Acres
    • $79,665 per Acre

    Discover this exceptional opportunity to own 6.27 acres in the exclusive gated Glacier Hills subdivision, offering expansive panoramic views of Glacier National Park's majestic peaks and surrounding mountains from an elevated building site ideal for your custom Montana dream home. Nestled in a private, serene setting with mature trees and abundant wildlife, this premium lot features water hookup

    Kristen Hansen Flathead Valley Brokers

    1414 Glacier Hills Dr W, Martin City, MT 59926
  • /31

    $999,999 Lot/Land

    15000 Hwy 2 E, Essex, MT 59916

    • 10.71 Acres
    • $93,371 per Acre

    Fantastic investment opportunity in Montana awaits! This sprawling 10.7-acre wooded parcel is ideally situated between Glacier National Park's East and West entrances, offering unsurpassed potential for your Montana vision to flourish. Immerse yourself in the natural beauty of this outdoor paradise, surrounded by abundant wildlife and panoramic views that stretch into the Park. With endless

    Sean Averill PureWest Real Estate - Whitefish

    15000 Hwy 2 E, Essex, MT 59916
  • /18

    $500,000 Lot/Land

    142 Rosewood Ln Unit Lot 18, Whitefish, MT 59937

    • 1.76 Acres
    • $284,414 per Acre

    Discover the tranquil beauty of Lot 18, a generous 1.758-acre homesite located within The Woodlands in Whitefish—an exclusive, forested neighborhood where thoughtful design and natural elegance come together. Just minutes from downtown Whitefish, this luxury boutique community offers privacy, serenity, and timeless architectural vision. Lot 18 is the ideal setting for The Havyn, a stunning 5,725

    Gina Ellis Engel & Völkers Western Frontier - Whitefish

    142 Rosewood Ln Unit Lot 18, Whitefish, MT 59937
  • /25

    $235,000 Lot/Land

    1001 Lake Pointe Dr, Bigfork, MT 59911

    • 0.23 Acre
    • $1,021,739 per Acre

    This exceptional lot, located in the Lake Pointe gated community, offers breathtaking views of a tranquil pond complete with a fountain/aerator and overlooks Eagle Bend Golf Course. The level terrain is ready for your building plans, making it an ideal location for your dream home. Enjoy close proximity to Eagle Bend Golf Course, Bigfork Athletic Club, and scenic paths for walking or biking. With

    Cherie Hansen Glacier Sotheby's International Realty Bigfork

    1001 Lake Pointe Dr, Bigfork, MT 59911
  • /22

    $489,000 Lot/Land

    321 Lobo Ln, Marion, MT 59925

    • 40 Acres
    • $12,225 per Acre

    Price Reduction!! Don't Miss This ONE-OF-A-KIND opportunity to OWN your own MOUNTAIN TOP at an affordable price and just a short 20 miles west of Kalispell? This end of the road, 40-acre lot, on Lobo Ln in Marion Montana is the perfect location for your future Dream Home in the Wild West! You must experience this pristine 360-degree view of Little Bitterroot Lake, the surrounding valley and

    Bryon O'Reilly Ideal Real Estate

    321 Lobo Ln, Marion, MT 59925
  • /21

    $995,000 Lot/Land

    826 Mcgregor Ln, Marion, MT 59925

    • 0.97 Acre
    • $1,025,773 per Acre

    Tucked in the desirable McGregor Lake Highlands, this nearly 1-acre waterfront lot offers over 200 feet of shoreline and the perfect blend of privacy, recreation, and natural beauty. With direct access to McGregor Lake—known for its crystal-clear, spring-fed waters and peaceful setting—this property is a rare find. Enjoy swimming, fishing, paddleboarding, and sunset views from your own lakefront.

    Jessica Tucker Glacier Sotheby's International Realty Whitefish

    826 Mcgregor Ln, Marion, MT 59925
  • /26

    $279,000 Lot/Land

    7820 Browns Meadow Rd, Niarada, MT 59845

    • 30 Acres
    • $9,300 per Acre

    Where dreams meet reality! If you're looking to stake out that perfect chunk of land in Montana...look no further. 30 acres with easy year-round access, nice mix of rolling terrain and level building sites, power and road to the property, and beautiful panoramic views! Just 10 minutes off Highway 93 and 2.12 miles off Highway 28, but a world away from the hustle and bustle.

    Judy Fountain Western Brokers

    7820 Browns Meadow Rd, Niarada, MT 59845
  • /29

    $1,395,000 Lot/Land

    299 Elk Highlands Dr, Whitefish, MT 59937

    • 1.39 Acres
    • $1,001,436 per Acre

    This spacious 1.393-acre homesite in Northern Lights West is nestled within the breathtaking landscapes of Whitefish Mountain Resort with a natural bench elevated above the road to build your vision. The size and topography of this homesite lends to privacy and sitting on a SW-facing slope allows views of sunsets year-round against the mountains surrounding Whitefish Lake. The ski trail through

    Stephanie Skinner Glacier Sotheby's Whitefish/Big Mountain

    299 Elk Highlands Dr, Whitefish, MT 59937
  • /14

    $310,000 Lot/Land

    11 N Scarface Peak Ct, Kalispell, MT 59901

    • 2.01 Acres
    • $154,229 per Acre

    One of the rare and distinguished features of Holbrook Estates is the ability to create TWO RESIDENCES ON A SINGLE LOT. Whether it's a grand primary home with private guesthouse or thoughtfully designed quarters for caretakers, the possibilities are as versatile as they are valuable. This exclusive enclave offers just 13 estate-sized parcels, ranging from 1.6 to 2.28 acres. Each lot is fully

    Sandy O'Connell PureWest Real Estate - Lakeside

    11 N Scarface Peak Ct, Kalispell, MT 59901
  • /17

    $584,900 Lot/Land

    NHN Grandview, Kalispell, MT 59901

    • 5 Acres
    • $116,980 per Acre

    5.0 ac +/-, to be split off by Boundary Line Adjustment. Will have approximately 680' of Stillwater River Frontage.East side is Buffalo Hills Golf Course, South side is Juniper Bend Subdivision, West side is Grandview Drive and North side is other private property.This property is in the COUNTY.

    Russell Purdy Montana Properties LLC

    NHN Grandview, Kalispell, MT 59901
  • /19

    $1,400,000 Lot/Land

    32 & 40 Hedman Ln, Whitefish, MT 59937

    • 1.03 Acres
    • $1,359,223 per Acre

    Superb FIRST-RATE location for your next investment or business venture! 1.03 acres of two combined commercial lots approved for mixed use. Approved entitlements for an 18-plex apartment building and additional 2,800 sf of commercial use. Just minutes from downtown Whitefish, and with maximum exposure fronting US Hwy 93, opportunity is endless!

    Cjay Clark PureWest Real Estate - Whitefish

    32 & 40 Hedman Ln, Whitefish, MT 59937
  • /33

    $450,000 Lot/Land

    135 Wright Way, Marion, MT 59925

    • 6.39 Acres
    • $70,423 per Acre

    Discover unparalleled aviation-friendly living at your very own 6.39 acre private Cabin Creek Landing property. This exceptional lot is one of the few allowing the construction of a hanger of any size. Imagine the freedom of having direct access to a private runway from the doorstep of your spacious home, surrounded by lush, heavily-treed landscape offering utmost privacy, yet just minutes away

    Jason Hyndman PureWest Real Estate - Kalispell

    135 Wright Way, Marion, MT 59925
  • /9

    $495,000 Lot/Land

    211 Patriots Ln, Columbia Falls, MT 59912

    • 7.26 Acres
    • $68,201 per Acre

    7.26 Acres with Big Mountain Views in Rolling Acres Estates. This spacious homesite offers wide-open vistas, gently rolling terrain, and a peaceful Montana setting in a small, low-density subdivision. Located on a paved private cul-de-sac and bordered by meadow and timber, the property feels quiet and tucked away while still close to town. A private well, underground power, fiber optic, and

    Sandi Smith PureWest Real Estate at Meadow Lake - Columbia Falls

    211 Patriots Ln, Columbia Falls, MT 59912
  • /3

    $350,000 Lot/Land

    699 Morning View Dr, Kalispell, MT 59901

    • 5.05 Acres
    • $69,307 per Acre

    No Covenants & No Zoning! Enjoy sunrise views of the Jewel Basin and Blacktail Mountain. Build your dream home or... This parcel has the potential for various uses! DEQ approval and Final Plat is complete. 12 lots with Final Plat for Morning View Subdivision. The lots are all roughly 5 acres. Infrastructure is under a Subdivision Improvement Agreement and will be completed by the developers.

    Travis Steindorf Bannack Real Estate

    699 Morning View Dr, Kalispell, MT 59901
  • /13

    $284,500 Lot/Land

    Lot 34 Holbrook Estates, Kalispell, MT 59901

    • 1.29 Acres
    • $220,372 per Acre

    Welcome to Holbrook Estates where luxury living, mountain views and the valley floor meet. Easy access to Glacier National Park, Whitefish Mountain Ski Resort and Flathead Lake, making this an ideal location for outdoor enthusiasts. This lot offers room to build a shop or storage building to keep all your toys. Spacious lots with community roads, water, and underground utilities. Minutes from all

    Kristi Bruyer Engel & Völkers Western Frontier - Whitefish

    Lot 34 Holbrook Estates, Kalispell, MT 59901
  • /32

    $220,000 Lot/Land

    24 Bridle Ct, Bigfork, MT 59911

    • 0.51 Acre
    • $431,373 per Acre

    Discover Lot C24 in the expertly revitalized Saddlehorn community—an exclusive 0.51-acre homesite on Bridle Court. With its gently sloped terrain and close proximity to the clubhouse and pool, this lot offers the perfect setting for your walkout basement dream home. Nestled in the charming artisanal town of Bigfork on the shores of Flathead Lake, Saddlehorn blends luxury living with outdoor

    Luke Underhill PureWest Real Estate - Bigfork

    24 Bridle Ct, Bigfork, MT 59911
  • /10

    $3,195,000 Lot/Land

    Lots 2, 3, 4, 5 Geyser Rd, Whitefish, MT 59937

    • 3.01 Acres
    • $1,061,462 per Acre

    Snowy Mountain subdivision offers four individually platted development parcels: Lots 2, 3, 4, and 5. Each zoned WB-2, Whitefish’s Secondary Business District. This zoning allows a balanced mix of commercial and residential uses, giving developers the flexibility to create up to 18 multifamily units per lot or pursue a range of business-oriented projects. WB-2 is designed to support community

    Ryan Thompson Western Ranch Brokers LLC

    Lots 2, 3, 4, 5 Geyser Rd, Whitefish, MT 59937
  • /21

    $160,000 Lot/Land

    695 Latigo Ln, Bigfork, MT 59911

    • 1 Acre
    • $160,000 per Acre

    Welcome to your dream homesite in the heart of Big Fork, Montana! This one-acre, buildable lot is nestled in the highly sought-after ranch subdivision, just a couple of miles south of the charming town of Big Fork. Surrounded by mature trees and boasting an open building site, this lot is the perfect canvas for your future home. The subdivision offers paved roads, green spaces, and community

    Mackenzie Dixon Keller Williams Western MT

    695 Latigo Ln, Bigfork, MT 59911
  • /17

    $350,000 Lot/Land

    328 Kathy Lake Ln, Kalispell, MT 59901

    • 1.78 Acres
    • $196,629 per Acre

    Wake up to the quiet beauty of Kathy Lake with this unique property in the Many Lakes community, nestled between Kalispell and Bigfork. With a newly installed 50 gpm well, power already brought in, and a leveled building site prepped and ready, this spot makes it easy to start building your dream home. Enjoy peaceful lake views, mature trees for privacy, and frequent visits from Montana wildlife.

    Megan Warren NextHome Northwest Real Estate

    328 Kathy Lake Ln, Kalispell, MT 59901
  • /24

    $300,000 Lot/Land

    128 Oakmont Loop, Columbia Falls, MT 59912

    • 0.5 Acre
    • $600,000 per Acre

    Nestled amongst tall pines overlooking the 6th green of the Golf Digest 4.5-star rated Meadow Lake Golf Course is this level .5acre residential lot. Located in the Meadow Lake North neighborhood of this master-planned community, create your dream home. South-southwest views across the 6th fairway will witness incredible sunsets and abundant wildlife that calls this area home. With full utility

    Barb Riley PureWest Real Estate at Meadow Lake - Columbia Falls

    128 Oakmont Loop, Columbia Falls, MT 59912
  • /30

    $1,224,900 Lot/Land

    323 Haskill Creek Rd Unit A/B, Whitefish, MT 59937

    • 0.32 Acre
    • $3,839,812 per Acre

    Don't miss the chance to own one of the last duplex lots at Whitefish Mountain Resort! Lot 1 is at the top of the neighborhood, featuring a gentle upward slope with unobstructed, natural northern views of the ski slopes. On the east boundary runs Haskill Creek & features a large common area. Lot 1 is less than a 5-minute trail walk to the Base Lodge. Ski home at the end of your day with two

    Stephanie Skinner Glacier Sotheby's Whitefish/Big Mountain

    323 Haskill Creek Rd Unit A/B, Whitefish, MT 59937
  • /32

    $354,000 Lot/Land

    453 Chief Cliff Trail, Bigfork, MT 59911

    • 1.04 Acres
    • $339,406 per Acre

    Come be a part of the Saddlehorn Mountain community! Check out this fantastic building lot on Chief Cliff Trail. At 1.04 acres, this lot provides wonderful views of the mountains, and like all Saddlehorn lots, is surrounded by green space. Located in the artisanal town of Bigfork on the shores of Flathead Lake, Saddlehorn members will enjoy amenities such as a private lakefront Members Lounge,

    Steve Dooling PureWest Real Estate - Bigfork

    453 Chief Cliff Trail, Bigfork, MT 59911
  • /25

    $3,000,000 Lot/Land

    Nhn Kelly Mountain Rd, Columbia Falls, MT 59912

    • 160 Acres
    • $18,750 per Acre

    A rare 160-acre mountain retreat surrounded on three sides by National Forest and only minutes from downtown Columbia Falls. Crystal Creek winds through the property, adding the gentle sound of flowing water to the incredible views of the Flathead Valley and distant peaks. This land offers unmatched privacy, abundant wildlife, and endless recreation—hunt, hike, or ride directly into public lands.

    Tammy Purdy Coldwell Banker Mountain Properties

    Nhn Kelly Mountain Rd, Columbia Falls, MT 59912
  • /11

    $299,000 Lot/Land

    446 Charlotte Peak Dr, Kalispell, MT 59901

    • 1.6 Acres
    • $186,875 per Acre

    LOT 31: One of the rare and distinguished features of Holbrook Estates is the ability to create TWO RESIDENCES ON A SINGLE LOT. Whether it's a grand primary home with private guesthouse or thoughtfully designed quarters for caretakers, the possibilities are as versatile as they are valuable. This exclusive enclave offers just 13 estate-sized parcels, ranging from 1.6 to 2.28 acres. Each lot is

    Sandy O'Connell PureWest Real Estate - Lakeside

    446 Charlotte Peak Dr, Kalispell, MT 59901
  • /14

    $399,000 Lot/Land

    960 Old Coon Hollow Rd, Kalispell, MT 59901

    • 19.67 Acres
    • $20,285 per Acre

    This 19.67 acre parcel offers the perfect opportunity to build your dream home in a private and secluded setting, while still being conveniently located near the amenities. The property is free of restrictive covenants or zoning, giving you the freedom to customize your living preferences. A new well was drilled in Aug of 2022 producing 40 gpm. This property features a dried-in tiny home with

    Natalya Shvets Keller Williams Realty Northwest Montana

    960 Old Coon Hollow Rd, Kalispell, MT 59901
  • /30

    $490,000 Lot/Land

    401 Saddlehorn Trail, Big Fork, MT 59911

    • 1.71 Acres
    • $286,550 per Acre

    Welcome to Lot 4, a premier 1.71-acre homesite in the expertly revitalized Saddlehorn community. Set on a gently sloping hillside, this spacious lot offers breathtaking mountain views and an ideal setting for your custom dream home. Located in the picturesque artisan town of Bigfork, along the pristine shores of Flathead Lake, Saddlehorn seamlessly blends luxury living with Montana’s outdoor

    Luke Underhill PureWest Real Estate - Bigfork

    401 Saddlehorn Trail, Big Fork, MT 59911
  • /18

    $369,000 Lot/Land

    152 Lakeview Terrace, Marion, MT 59925

    • 3.93 Acres
    • $93,798 per Acre

    Build your Dream home on this beautiful lake view property! The utilities are already in and the home site is leveled! Or keep it as a wonderful campsite! This unique property overlooking McGregor Lake offers the best of both worlds! Whether you’re seeking a shared retreat for hosting friends or a prime location to build your dream home, this one has it all. Enjoy unforgettable days and nights

    Phillippa Labuda RE/MAX Rocky Mountain Real Estate

    152 Lakeview Terrace, Marion, MT 59925
  • /10

    $169,000 Lot/Land

    Nhn Patrick Creek Rd, Kalispell, MT 59901

    • 20 Acres
    • $8,450 per Acre

    This private 20-acre wooded lot has no covenants, HOA, or zoning. It is a blank slate, ideal for outdoor living - camping, hiking, or hunting. Develop this property and you could have a self-sufficient remote retreat! The property is crossed by abandoned logging roads that add plateau-like shelves that could be cleared and built on. To the south of the property lie forested lots that sprawl for

    Braeden Clausen Campfire Realty

    Nhn Patrick Creek Rd, Kalispell, MT 59901

Showing Results 401 - 440, Page 11 of 16

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