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Payne County OK Homes for Sale

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  • /28

    $55,000

    • Land
    • 23,958 Sq Ft
    • $100,000 per Acre

    6011 E Elk Ln Unit Block 1 Lot 6, Stillwater, OK 74074

    Welcome to Prairie's Edge: Stillwater's Newest Premier Community with large half acre and up home sites! Discover your dream in this charming community features 29 spacious home sites nestled within the highly regarded Stillwater school district, offering the perfect blend of serene country living and modern convenience. Choose from a variety of generously-sized lots, ranging from half an acre to

    Kristyn Morris KW Local, Keller Williams Realty

    6011 E Elk Ln Unit Block 1 Lot 6, Stillwater, OK 74074
  • /15

    $269,900

    • 3 Beds
    • 3 Baths
    • 1,598 Sq Ft

    1221 S West St, Stillwater, OK 74074

    Total transformation! Gut rehab gem of a bungalow. Two full bathrooms were added during the remodel still in progress. Original hardwood floors preserved and refinished in most rooms. LVP in bathrooms, kitchen, & utility room. All new plumbing, newer roof (<10 yrs, completed by prior owner), new electrical, new appliances, on demand continuous gas hot water, new driveway. Kitchen features all new

    Kirsten Tautfest PROFESSIONAL PROPERTY SERVICES

    1221 S West St, Stillwater, OK 74074
  • /11

    $439,500

    • 4 Beds
    • 2.5 Baths
    • 2,300 Sq Ft

    1411 N Hightower St, Stillwater, OK 74075

    Welcome home to this beautifully crafted new construction offering 4 bedrooms, 2.5 bathrooms, and a thoughtfully designed split floor plan that blends comfort with style. The open-concept living area creates the perfect space for gathering with family and friends, while the stunning primary suite provides a private retreat you'll look forward to coming home to every day. Complete with spacious

    Sarah Manuel RE/MAX Signature

    1411 N Hightower St, Stillwater, OK 74075
  • /28

    $298,500

    • 3 Beds
    • 2 Baths
    • 1,578 Sq Ft

    912 S Linford Dr, Stillwater, OK 74074

    This lovely 3 bedroom 2 bathroom home located in the Tradan Heights community in Southwest Stillwater and Westwood school district has been well cared for and would be a perfect home for a family or an investor. Easy access to Highway 51, Oklahoma State University and shopping. This home features an open floorplan with the kitchen and bar opening into the dining and living room area. The kitchen

    Tana Rutan CENTURY 21 GLOBAL, REALTORS

    912 S Linford Dr, Stillwater, OK 74074
  • /37

    $385,000

    $11K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,137 Sq Ft

    6034 S Gunnar Springs, Stillwater, OK 74074

    Beautiful newer construction in Trio Ranch offering 4 bedrooms, 2 bathrooms, and approximately 2137 square feet on a spacious 1/2 acre lot in the Perkins School District. This thoughtfully designed home features an open-concept floor plan with a large living area, tray ceilings, abundant natural light, and a stunning kitchen complete with custom cabinetry, oversized island, stainless steel

    Lori Kastl REAL ESTATE PROFESSIONALS

    6034 S Gunnar Springs, Stillwater, OK 74074
  • /40

    $285,000

    • 3 Beds
    • 2 Baths
    • 2,035 Sq Ft

    7609 N Bethel Rd, Glencoe, OK 74032

    A beautiful country home near the town of Glencoe, OK. It has 3 large bedrooms, with 2 baths, office and separate laundry room off the kitchen. It has wood stove in the living room ( not hooked up but everything there) to add extra warmth in winter if you desire. The home consist of 2035 sq ft, on 2.3 acres. The living room is large for all the extra guest along with kitchen and dining room. The

    Virginia Cussner CENTURY 21 GLOBAL, REALTORS

    7609 N Bethel Rd, Glencoe, OK 74032
  • /45

    $375,000

    $15K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,087 Sq Ft

    6022 E Bison Ln, Stillwater, OK 74074

    Act Fast! Special August Promotion: Seller is offering $5,000 towards buyer’s closing costs for contracts signed this month! Brand New Construction on Over Half an Acre with Modern Finishes & Room to Grow! Travel on Hwy 51 Eastbound to newly paved Prairie Road, turn North to Prairie’s Edge Community. This beautiful 4 bedroom, 3 full bathroom brand new construction home offers 2,087 sq ft of well

    Kristyn Morris KW Local, Keller Williams Realty

    6022 E Bison Ln, Stillwater, OK 74074
  • /4

    $31,500

    • Land
    • 4.14 Acres
    • $7,607 per Acre

    8017 W Jade, Agra, OK 74824

    Covenants and Restrictions apply. New development, be the first to pick your acreage to build your new home in McKenzie Meadows. Easy access to Hwy 18, only minutes to Cushing, Stillwater or Turner Turnpike to Tulsa or OKC. Acreage lot sizes range from 2.5 to 4.5 acres m/l that are now available in McKenzie Meadows.

    Edie Rogers Kerri Marks - Options Realty

    8017 W Jade, Agra, OK 74824
  • /50

    $456,250

    • 5 Beds
    • 3 Baths
    • 2,466 Sq Ft

    211 Bandera St, Stillwater, OK 74074

    Welcome home to this exceptional new construction in Trio Ridge, offering the perfect blend of luxury, functionality, and modern design on a spacious half-acre lot in the highly sought-after Perkins School District. With 2,466 square feet, 5 bedrooms, 3 full bathrooms, and a 3-car garage, this home provides plenty of room for families of all sizes. The inviting open-concept floor plan showcases

    Lori Kastl REAL ESTATE PROFESSIONALS

    211 Bandera St, Stillwater, OK 74074
  • /27

    $334,888

    New Construction $14K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,496 Sq Ft

    1916 W 27th Place, Stillwater, OK 74074

    This home is all about easy living, with smart storage throughout and abundant natural light in every room. The kitchen steals the show with a sleek floating island, quartz countertops, a gas range, and picture-perfect views of the backyard. Durable hard-surface flooring keeps the main living areas looking fresh and easy to maintain, and the mudroom off the garage is the ideal drop zone for bags,

    Ideal Homes Builder
    1916 W 27th Place, Stillwater, OK 74074
  • /8

    $754,000

    • Land
    • 65 Acres
    • $11,600 per Acre

    7609 N Brush Creek Rd, Glencoe, OK 74032

    65 ACRES • YOST LAKE AREA • GLENCOE, OK LAND • WATER • PASTURE • POSSIBILITIES! Looking for acreage where you can raise livestock, build, and enjoy the country life? Take a look at this beautiful 65-acre property at 7609 N Brush Creek Rd, Glencoe, Oklahoma! POND ON THE PROPERTY Water crossing property feeds Yost Lake. South side of property adjoins Yost Lake. GRAZE CATTLE RAISE HORSES BUILD YOUR

    Tammy Clark Platinum Real Estate Assoc.

    7609 N Brush Creek Rd, Glencoe, OK 74032
  • /29

    $150,000

    $25K PRICE DROP
    • Land
    • 1.5 Acres
    • $100,000 per Acre

    0 Country Club Dr, Cushing, OK 74023

    A rare opportunity to purchase six contiguous lots sold together as one property on Country Club Drive in the gated COUNTRY CLUB VISTAS addition in Cushing, Oklahoma. The lots are located at the very back of the Country Club Vistas addition; this property offers exceptional privacy and seclusion, ideal for the buyer seeking a large yard and quiet surroundings. By combining all six lots the

    Kerri Marks Kerri Marks - Options Realty

    0 Country Club Dr, Cushing, OK 74023
  • /45

    $409,500

    $13K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,551 Sq Ft

    3619 S Fountain View Dr, Stillwater, OK 74074

    Welcome to 3619 S. Fountain View Drive, where comfort, style, and convenience come together in one exceptional home! This beautifully maintained, move-in ready property offers 4 spacious bedrooms, 2.5 bathrooms, and a flexible upstairs bonus room that can easily serve as a media room, home office, playroom, or guest space. The thoughtfully designed split floor plan provides privacy for the

    Cassie Wilson Realty ONE Group Champion - Perkins

    3619 S Fountain View Dr, Stillwater, OK 74074
  • /4

    $23,750

    • Land
    • 2.53 Acres
    • $9,384 per Acre

    8006 W Jazz, Agra, OK 74824

    Covenants and Restrictions apply. New development, be the first to pick your acreage to build your new home in McKenzie Meadows. Easy access to Hwy 18, only minutes to Cushing, Stillwater or Turner Turnpike to Tulsa or OKC. Acreage lot sizes range from 2.5 to 4.5 acres m/l that are now available in McKenzie Meadows.

    Edie Rogers Kerri Marks - Options Realty

    8006 W Jazz, Agra, OK 74824
  • /35

    $225,000

    • 3 Beds
    • 2 Baths
    • 1,746 Sq Ft

    2312 W 9th Ave, Stillwater, OK 74074

    1746 sq ft home for only $129 a sq ft! On top of the great price... the seller's are offering $15000 in buyer's closing cost/prepaids and the rest for repairs/remodeling. This darling home has TWO living areas, three large bedrooms, an extra room for a study/exercise/4th bedroom if you wanted to use it that way and two full baths. Other inside features include wood flooring, a rock wood burning

    Bettye Dickey Realty ONE Group Champion - Stillwater

    2312 W 9th Ave, Stillwater, OK 74074
  • /13

    $880,000

    $292K PRICE INCREASE
    • Land
    • 54.95 Acres
    • $16,015 per Acre

    208 W 22nd Ave, Stillwater, OK 74074

    Rare Opportunity: 55 Acres Within Stillwater City Limits! Don’t miss this extraordinary chance to own a unique piece of land in the heart of Stillwater. Nestled within the city limits, this property offers a rare combination of convenience, natural beauty, and endless potential. Prime Location: This remarkable parcel is perfectly positioned: South Boundary: Along 22nd W Avenue, providing easy

    Yanwei (Sam) Sun CENTURY 21 GLOBAL, REALTORS

    208 W 22nd Ave, Stillwater, OK 74074
  • /33

    $187,000

    • 3 Beds
    • 1.5 Baths
    • 1,381 Sq Ft

    1547 Hanson Cir, Stillwater, OK 74075

    Perfectly sized and ideally located, this charming well maintained 3-bedroom, 1.5-bath home offers comfortable living on a quiet street in the heart of Stillwater. Conveniently situated near shopping, restaurants, entertainment, and everything Stillwater has to offer, this home combines a great location with plenty of space both inside and out. A welcoming front porch provides the perfect spot to

    Alane LeGrand CENTURY 21 GLOBAL, REALTORS

    1547 Hanson Cir, Stillwater, OK 74075
  • /30

    $355,000

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

    819 N Shady Ln, Cushing, OK 74023

    Peaceful 5+ Acre Retreat at the End of the Development Enjoy privacy, space, and a beautiful country setting with this inviting home situated on 5+ acres at the end of the development. Surrounded by mature trees, this property offers a peaceful atmosphere with plenty of room to enjoy the outdoors. Inside, you’ll find a warm and welcoming fireplace, perfect for cozy evenings at home. The spacious

    Debbie Clinesmith FRONTIER REALTY

    819 N Shady Ln, Cushing, OK 74023
  • /28

    $55,000

    • Land
    • 22,215 Sq Ft
    • $107,843 per Acre

    6035 E Elk Ln Unit Block 1 Lot 8, Stillwater, OK 74074

    Welcome to Prairie's Edge: Stillwater's Newest Premier Community with large half acre and up home sites! Discover your dream in this charming community features 29 spacious home sites nestled within the highly regarded Stillwater school district, offering the perfect blend of serene country living and modern convenience. Choose from a variety of generously-sized lots, ranging from half an acre to

    Kristyn Morris KW Local, Keller Williams Realty

    6035 E Elk Ln Unit Block 1 Lot 8, Stillwater, OK 74074
  • /20

    $240,000

    • 3 Beds
    • 2 Baths
    • 1,360 Sq Ft

    723 E Park Place, Stillwater, OK 74075

    Welcome home to a charming property that blends everyday comfort with spaces made for gathering. From the inviting entry, the home opens into a welcoming living space filled with natural light and character. The kitchen stands out with beautiful white cabinetry, concrete counter tops, and stainless steel appliances. The fenced back yard offers room to relax, garden, or entertain while the covered

    Seth Hughes Cedar Porch R.E.

    723 E Park Place, Stillwater, OK 74075
  • /48

    $284,500

    $5K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 2,040 Sq Ft

    1613 S Mansfield Dr, Stillwater, OK 74074

    Welcome home to this beautifully updated 3-bedroom, 2-bath property with a versatile bonus space—perfect for a home office, playroom, or second living area! From the moment you walk in, you’ll love the large, open living space centered around a cozy gas-starting wood-burning fireplace, making it the perfect spot to gather and unwind. This home has been thoughtfully updated throughout, including

    Sarah Manuel RE/MAX Signature

    1613 S Mansfield Dr, Stillwater, OK 74074
  • /12

    $750,000

    • Land
    • 17 Acres
    • $44,118 per Acre

    0 W 44th St, Stillwater, OK 74074

    Calling All Developers – Harvest Farms Lots Ready for Construction | Stillwater, OK Developers take notice — Harvest Farms is a new residential subdivision offering 22 available lots ready for immediate development in one of the most desirable areas just southeast of Stillwater, Oklahoma. With strong demand for new homes in the Stillwater School District, this is an excellent opportunity to

    Rachel Pickens Pickens Pristine Properties

    0 W 44th St, Stillwater, OK 74074
  • /3

    $39,000

    • Land

    4417 N Greenvale Cir, Stillwater, OK 74075

    WANT TO BUILD A NEW HOUSE? For yourself or as an investment property? Check out this lot in Parkview Estates. Parkview Estates is an established neighborhood; known for it's friendly atmosphere; Halloween trick or treating and Christmas Décor. HOA includes a community swimming pool for the hot summers & a walking trail to Boomer Lake. Minimal HOA dues at $165.00 per year. Drive through, walk

    Tiffany Aranda REAL ESTATE PROFESSIONALS

    4417 N Greenvale Cir, Stillwater, OK 74075
  • /50

    $795,000

    • 3 Beds
    • 2 Baths
    • 1,390 Sq Ft

    3804 E Mcelroy Rd, Stillwater, OK 74075

    Over 8 private acres! 3 bedroom home overlooking the beautiful stocked pond. The home has a two car attached garage, also a two car detached garage, an RV canopy, and another two car carport. This property has two water wells, and two septic systems; A standard septic for the house and an aerobic system for the 40‘ x 100‘ heated and cooled shop building. The shop has multiple AC units and has a

    Greg Rose FRONTIER REALTY

    3804 E Mcelroy Rd, Stillwater, OK 74075
  • /47

    $900,000

    • 3 Beds
    • 1 Bath
    • 1,409 Sq Ft

    8105 N Rose Rd, Glencoe, OK 74032

    Very nice brick home located South of Glencoe, OK on Hwy 108. 3 bedroom 1 bath with 1 car garage that consist of 1409 Sq ft on 72 acres with perimeter fenced and cross fenced with pond back to the east. Property is located within 20 minutes to Stillwater, OK. Lots of open areas for your livestock operation and plenty of trees for your hunting enthusiast in the family. The grass is native pasture.

    Virginia Cussner CENTURY 21 GLOBAL, REALTORS

    8105 N Rose Rd, Glencoe, OK 74032
  • /26

    $297,123

    New Construction
    • 3 Beds
    • 2 Baths
    • 1,173 Sq Ft

    1914 W 28th Ave, Stillwater, OK 74074

    The Charleston combines style, smart design, and practical living across 1,173 square feet with three bedrooms and two bathrooms. The kitchen features quartz countertops paired with a gas range, while hard surface flooring flows throughout the main living spaces for easy upkeep. Thoughtful touches include blinds on all windows for instant privacy and ceiling fans in every bedroom to keep you

    Ideal Homes Builder
    1914 W 28th Ave, Stillwater, OK 74074
  • /45

    $444,000

    $10K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 2,552 Sq Ft

    7019 E 32nd Ave, Stillwater, OK 74074

    Welcome to the perfect blend of peaceful country living and modern luxury. Built in 2023, this custom, one-owner home offers 4 bedrooms, 2 bathrooms, and the open-concept floor plan is designed for both everyday living and entertaining, anchored by a stunning kitchen featuring double ovens, an induction cooktop, pot filler, farmhouse sink, spacious walk-in pantry, and a large eat-in island that

    Hayleigh Abbott Look Properties, LLC

    7019 E 32nd Ave, Stillwater, OK 74074
  • /22

    $420,000

    $40K PRICE DROP
    • Land
    • 42.27 Acres
    • $9,936 per Acre

    401919 E 19th St, Stillwater, OK 74074

    This 40+/- acre tract in Payne County sits in the Cross Timbers just 7.5 miles from downtown Stillwater, offering a great combination of productive farmland, mature timber, and live water. Approximately 13.2+/- acres are currently cultivated, with productive soils suitable for wheat or a variety of other crops. The property also features roughly 3,230 feet of creek frontage, creating outstanding

    Braden Cassity Coldwell Banker Select

    401919 E 19th St, Stillwater, OK 74074
  • /33

    $724,000

    • 4 Beds
    • 3 Baths
    • 3,432 Sq Ft

    3701 S Scissortail Dr, Stillwater, OK 74074

    Located in Woodland Trails, one of the most desirable neighborhoods in Stillwater. This one-of-a-kind property offers a level of customization, quality, and lifestyle that simply cannot be replicated. Designed for both style and function, the open-concept layout places the main living, dining, and bar area at the heart of the home; perfect for entertaining and everyday living.The kitchen features

    Molly Johnston Copper Creek Real Estate

    3701 S Scissortail Dr, Stillwater, OK 74074
  • /29

    $150,000

    Open House 9/25
    • Land
    • 30 Acres
    • $5,000 per Acre

    TRACT 2 - Fairgrounds Rd, Perkins, OK 74059

    LOST CREEK RANCH - Perkins, OK Tract #2- Positioned just outside the city limits of Perkins, Oklahoma, 30± acres with a mixture landscaped of open Bermuda pastureland and mature timber along Lost Creek, more excellent potential build sites.Offered at public auction as part of the Lost Creek Ranch 158 on October 13, 2026 at 6PM.

    Charles Wellings Schrader Real Estate and Auction Co Inc

    TRACT 2 - Fairgrounds Rd, Perkins, OK 74059
  • /8

    $30,600

    • Land
    • 3.4 Acres
    • $9,000 per Acre

    2616 S Mckenzie, Agra, OK 74824

    Covenants and Restrictions apply. New development, be the first to pick your acreage to build your new home in McKenzie Meadows. Easy access to Hwy 18, only minutes to Cushing, Stillwater or Turner Turnpike to Tulsa or OKC. Acreage lot sizes range from 2.5 to 6 acres m/l that are now available in McKenzie Meadows. Water Well on property.

    Edie Rogers Kerri Marks - Options Realty

    2616 S Mckenzie, Agra, OK 74824
  • /36

    $519,500

    • 3 Beds
    • 2.5 Baths
    • 2,857 Sq Ft

    1527 S Ashton Ave, Stillwater, OK 74074

    THIS STUNNING CUSTOM-BUILT Greg Avery home in Berry Creek showcases craftsmanship at every turn. The living room features a dramatic floor to ceiling stone fireplace, complemented by rich custom woodwork, crown molding, and plantation shutters throughout. The chef’s kitchen offers exceptional workspace and design, perfect for everyday cooking or entertaining. A true split floorplan provides

    David Heppel CENTURY 21 GLOBAL, REALTORS

    1527 S Ashton Ave, Stillwater, OK 74074
  • /9

    $160,000

    $15K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 900 Sq Ft

    300 S Perry Ave, Glencoe, OK 74032

    Nestled beneath mature trees on a beautiful grassy lot in Glencoe, Oklahoma, this brand-new 2025 single-wide mobile home is ready for its new owner. Featuring 3 bedrooms and 2 bathrooms, this home offers an open floor plan that creates a bright and welcoming living space. The kitchen comes complete with appliances, making move-in easy and convenient. The spacious laundry room provides extra space

    Sandy Blankinship CENTURY 21 GLOBAL, REALTORS

    300 S Perry Ave, Glencoe, OK 74032
  • /37

    $399,000

    • 4 Beds
    • 2 Baths
    • 1,900 Sq Ft

    6011 E Bison Ln, Stillwater, OK 74074

    Set for completion in June 2026, this exceptional new construction sits on a spacious .58-acre lot and blends modern sophistication with warm, earthy tones, creating a home that is both inviting and timeless. Featuring 4 bedrooms and 2 bathrooms with an oversized 2-car garage, this residence showcases thoughtful design at every turn. Rounded archways along the hallways add subtle elegance, while

    Alane LeGrand CENTURY 21 GLOBAL, REALTORS

    6011 E Bison Ln, Stillwater, OK 74074
  • /47

    $315,000

    $5K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,776 Sq Ft

    1122 E Swim Ave, Stillwater, OK 74075

    Welcome to a well-cared-for 4 bedroom, 2 bath home in Stillwater's Eastridge Second addition. This like new home offers an easy, functional flow with an oversized eating area and a private 4th bedroom off the primary suite, ideal as a home office, nursery, or guest room. The covered front porch with a beautiful wood ceiling adds great curb appeall, and the fenced backyard and patio make outdoor

    Ann Morgan REAL ESTATE PROFESSIONALS

    1122 E Swim Ave, Stillwater, OK 74075
  • /32

    $269,900

    • Land
    • 34.36 Acres
    • $7,855 per Acre

    23515 E 6th Ave, Yale, OK 74085

    Some properties are move-in ready. Others are ready for a vision. Stretching across 34± acres with prime Highway 51 frontage, this property offers something that’s becoming increasingly difficult to find—location, visibility, and infrastructure with room to create something entirely new. Conveniently located between Stillwater and Tulsa. The property is being sold as-is and will require cleanup,

    Lauren Mueggenborg The Agency

    23515 E 6th Ave, Yale, OK 74085
  • /8

    $215,400

    • 3 Beds
    • 2 Baths
    • 1,400 Sq Ft

    115 S Wedgewood Ct, Stillwater, OK 74074

    Freshly updated and ready for its next owner! This Wedgewood home features fresh interior paint and new guttering, plus a Class 4 impact-resistant shingle roof installed in 2019 and an A/C unit replaced in 2018. Previously a successful long-term investment property, it now offers plenty of flexibility for a first-time buyer or investor. The floor plan includes two bedrooms upstairs plus a

    Steve Ray Realty ONE Group Champion - Stillwater

    115 S Wedgewood Ct, Stillwater, OK 74074
  • /10

    $34,900

    • 3 Beds
    • 1 Bath
    • 1,196 Sq Ft

    605 S Linwood Ave, Cushing, OK 74023

    This house is ready for complete renovation. It is in a great location and sits on a half an acre with lots of room in the backyard to create a great area for some rest and relaxation. The detached garage has a concrete floor and provides additional storage and workspace. Don't miss out on this investment opportunity!

    Mandy Theimer Kerri Marks - Options Realty

    605 S Linwood Ave, Cushing, OK 74023
  • /37

    $225,000

    • 4 Beds
    • 2.5 Baths
    • 1,743 Sq Ft

    130 S Lewis St, Stillwater, OK 74074

    Welcome to 130 S Lewis St, a move-in ready 4/2.5 home ideally located less than half a mile from OSU campus! This charming 1.5 story home combines convenience, comfort, and timeless character with mature trees and a prime location for homeowners, investors, or renters. Thoughtfully updated and ready for its next chapter, the home features a new roof and attic insulation completed in 2025,

    Heather McCollom Fisher Provence, REALTORS

    130 S Lewis St, Stillwater, OK 74074
  • /34

    $219,000

    • 3 Beds
    • 2 Baths
    • 1,527 Sq Ft

    618 S Timberridge Dr, Cushing, OK 74023

    If you're looking for a quiet, established Cushing neighborhood in a great location, this is it. The location offers the best of small-town living with everyday conveniences close by. Cushing Elementary and Cushing High School are just minutes away, making your everyday school routines a breeze, Oklahoma State University is only approximately a 30-minute drive, providing easy access to OSU

    Sheila Boutwell C21/First Choice Realty

    618 S Timberridge Dr, Cushing, OK 74023

Showing Results 361 - 400, Page 10 of 16

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