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Whitney, TX Land & Home Lots for Sale

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  • /30

    $10,000

    $1K PRICE DROP
    • Land
    • 10,410 Sq Ft
    • $41,841 per Acre

    39083 Spring Willow Ct, Whitney, TX 76692

    Come build your dream home on this lot located in popular White Bluff Resort! This lot is situated on a quiet peaceful road. Guarded 24-7 entrance with endless amenities such as two golf courses, tennis courts, marina, lake access, catch and release ponds, community pools, spa, restaurant, waterfront pub, and so much more! OWNER WILL FINANCE IF YOU PURCHASE 5 OR MORE LOTS. Hop on your golf cart

    Lacey Whitehouse Julie Siddons REALTORS, LLC

    39083 Spring Willow Ct, Whitney, TX 76692
  • /27

    $10,000

    $1K PRICE DROP
    • Land
    • 6,446 Sq Ft
    • $67,568 per Acre

    39166 Rock Ridge Dr, Whitney, TX 76692

    Building lot located near the New Course! Enjoy a relaxed lake life of fishing, picnicking, and kayaking just steps away from your property. Only an hour’s drive from both Dallas and Waco, making it a perfect location to build the home of your dreams or weekend getaway spot . Two award winning 18-hole golf courses with 36 rounds of golf included per year. Restaurants, tennis and basketball

    Lacey Whitehouse Julie Siddons REALTORS, LLC

    39166 Rock Ridge Dr, Whitney, TX 76692
  • /24

    $648,130

    • Land
    • 55.16 Acres
    • $11,750 per Acre

    TBD Hcr 2115, Whitney, TX 76692

    Escape to the peace and tranquility of country living on this beautiful 55.16-acre property near Lake Whitney. Offering an ideal blend of open pastureland, scattered mature trees, and a dense forested area along the rear of the property, this acreage provides both beauty and privacy in a picturesque rural setting. The property features multiple ponds and stock tanks, enhancing both the landscape

    Tim Owen Real Broker, LLC

    TBD Hcr 2115, Whitney, TX 76692
  • /12

    $12,000

    • Land
    • 11,325 Sq Ft
    • $46,154 per Acre

    14076 Sandy Oaks Dr, Whitney, TX 76692

    Customers Builders ready to for your new home with .26 Acres. Gated community, conveniently located approximately 90 minutes south of DFW, 30 minutes north of Waco and 2 hours north of Austin. White Bluff offers affordable homesites and luxury amenities set in the natural beauty of the Texas countryside. The resort has two top-rated golf courses, fishing, boating, hiking, horseback riding,

    Gary Wallace

    14076 Sandy Oaks Dr, Whitney, TX 76692
  • /12

    $20,000

    • Land
    • 11,325 Sq Ft
    • $76,923 per Acre

    39326 Misty Ridge Dr, Whitney, TX 76692

    This property is on the new golf course, backs up to tee box # 13. Lots of trees. White Bluff is Gated Golf community, conveniently located approximately 90 minutes south of DFW, 30 minutes north of Waco and 2 hours north of Austin. White Bluff offers affordable homesites and luxury amenities set in the natural beauty of the Texas countryside. The resort has two top-rated golf courses, fishing,

    Gary Wallace

    39326 Misty Ridge Dr, Whitney, TX 76692
  • /27

    $27,000

    $1K PRICE DROP
    • Land
    • 6,011 Sq Ft
    • $195,652 per Acre

    27070 Stonewood Dr, Whitney, TX 76692

    OWNER FINANCE AVAILABLE! Beautiful building lot right on the #17 green of the New Course! Welcome to White Bluff where luxurious living and natural beauty create a phenomenal living experience. Every property owner enjoys exclusive access and rounds to 2-World Class 18-Hole Golf Courses, marina, 4 swimming pools, boat ramps, catch and release fishing, tennis courts, fine dining, waterfront pub

    Lacey Whitehouse Julie Siddons REALTORS, LLC

    27070 Stonewood Dr, Whitney, TX 76692
  • /4

    $52,999

    • Land
    • 32,234 Sq Ft
    • $71,620 per Acre

    TBD St Hwy 22 & Hcr 2129, Whitney, TX 76692

    Almost 1 acre located just outside the city limits of Whitney offering excellent opportunities. This property features valuable Hwy 22 frontage, providing great visibility and easy access. Conveniently located just minutes from town and close to Lake Whitney, this lot is ideal for small business, or investment opportunity. Enjoy the benefits of being outside city limits while still being near all

    DENISE CALLAWAY Bosque Real Estate Inc

    TBD St Hwy 22 & Hcr 2129, Whitney, TX 76692
  • /27

    $10,000

    $1K PRICE DROP
    • Land
    • 5,488 Sq Ft
    • $79,365 per Acre

    39160 Rock Ridge Dr, Whitney, TX 76692

    Beautiful and affordable lot located in a secluded area of White Bluff near the New Course! Peace & tranquility awaits you in a 24-7 gated resort community on a top notch lake in Central Texas, Lake Whitney, located just a little over an hour from the DFW area. With your ownership comes many amenities including golf rounds to 2-World Class 18-hole golf courses, marina, 4 swimming pools,

    Lacey Whitehouse Julie Siddons REALTORS, LLC

    39160 Rock Ridge Dr, Whitney, TX 76692
  • /12

    $23,333

    $3K PRICE DROP
    • Land
    • 10,977 Sq Ft
    • $92,591 per Acre

    7141 Sandy Oaks Dr, Whitney, TX 76692

    Corner lot located in 24-7 gated community located north on one of the most prestigious lakes in central Texas, Lake Whitney. POA community with 2-World Class 18-Hole Golf Courses that are a challenge for any golfer, marina, 4 swimming pools to choose from to cool off while soaking up the sun, restaurants, tennis courts, etc. Wildlife roam freely throughout the community. Build your dream home,

    Yvonne Curtis Bentwood Realty

    7141 Sandy Oaks Dr, Whitney, TX 76692
  • /9

    $149,900

    • Land
    • 5 Acres
    • $29,980 per Acre

    Lot 12 Lakewood Dr, Whitney, TX 76692

    A spacious 5-acre lot located within the city limits of Whitney, featuring gorgeous mature trees and ample room for a custom home and outdoor living. Lakewood Acres includes a private gated entrance, chip sealed road, City water, and underground electric. Deed restrictions reflect City of Whitney rules. Enjoy privacy and wildlife while staying close to town.

    Kaitlyn Hightower Texas Ally Real Estate Group

    Lot 12 Lakewood Dr, Whitney, TX 76692
  • /31

    $7,000

    • Land
    • 11,325 Sq Ft
    • $26,923 per Acre

    44099 Cedar Hill Dr, Whitney, TX 76692

    Build your dream home or purchase a lot at White Bluff Resort, just 1.5 hours from DFW or Waco. Enjoy amenities like golf, fishing, hiking, pools, lake access, parks, and catch-and-release ponds. Membership includes rounds on two golf courses, access to four pools, tennis courts, restaurants, a marina, boat ramps, cabins, condos, and a hotel—all in a scenic community with abundant wildlife.

    Lisa Hill Ranch Masters

    44099 Cedar Hill Dr, Whitney, TX 76692
  • /14

    $60,000

    $65K PRICE DROP
    • Land
    • 42,253 Sq Ft
    • $61,856 per Acre

    1091 White Bluff Dr, Whitney, TX 76692

    Build your dream home on this level, 1-acre golf course front lot in the exclusive, gated and guarded White Bluff Resort community on Lake Whitney. This property offers an ideal build site with mostly open plains grass, a few mature shade trees, and direct views of the beautifully maintained championship golf course. Enjoy resort-style living with access to 4 swimming pools, a marina, boat ramp,

    Candyce Morgan M&M PROPERTIES REALTY, LLC

    1091 White Bluff Dr, Whitney, TX 76692
  • /13

    $8,500

    • Land
    • 11,456 Sq Ft
    • $32,319 per Acre

    18001 S Hill Dr, Whitney, TX 76692

    Gated community, conveniently located approximately 90 minutes south of DFW, 30 minutes north of Waco and 2 hours north of Austin. White Bluff offers affordable homesites and luxury amenities set in the natural beauty of the Texas countryside. The resort has two top-rated golf courses, fishing, boating, hiking, horseback riding, biking, guest lodging, and restaurants and offers a relaxed,

    Gary Wallace

    18001 S Hill Dr, Whitney, TX 76692
  • /26

    $10,000

    $1K PRICE DROP
    • Land
    • 6,272 Sq Ft
    • $69,444 per Acre

    39208 Cross Timber Dr, Whitney, TX 76692

    Beautiful lot located in a secluded area of White Bluff. Peace & tranquility awaits you in a 24-7 gated resort community located on a top notch lake in Central Texas, Lake Whitney. Here lies a great community atmosphere with a laid back lifestyle. You will never need to leave home as White Bluff has it all! Pools, golf, marina, restaurant, waterfront pub, store, gym, salon, church, tennis,

    Lacey Whitehouse Julie Siddons REALTORS, LLC

    39208 Cross Timber Dr, Whitney, TX 76692
  • /16

    $9,975

    • Land
    • 12,196 Sq Ft
    • $35,625 per Acre

    43096 Coneflower Dr, Whitney, TX 76692

    Amazing opportunity to purchase a .28 ac at the corner of Cone Flower and Indian Blanket. Only minutes to the boat ramp and marina on Lake Whitney. White Bluff Resort has (2) 18 hole championship golf courses. 4 pools, 2 tennis courts, pickleball court and 24 hr, yr round security in a gated community. Deer and other wildlife add to the peace and serenity that are unique to this community.

    Robert Hook Coldwell Banker Apex, REALTORS Cleburne

    43096 Coneflower Dr, Whitney, TX 76692
  • /35

    $16,500

    $2K PRICE DROP
    • Land
    • 14,418 Sq Ft
    • $49,849 per Acre

    17145 Woodlawn Dr, Whitney, TX 76692

    OWNER WILL FINANCE!!! Located near the Old Course and just under a mile from the marina, this prime piece of land offers a serene setting with easy access to lake activities, boat ramps, pools, tennis courts, restaurants, 72 rounds of gold yearly, and other resort amenities. You can experience the tranquility of nature, mature trees, and the peaceful atmosphere of a gated community, while staying

    Katie Whitehouse Julie Siddons REALTORS, LLC

    17145 Woodlawn Dr, Whitney, TX 76692
  • /12

    $9,000

    $3K PRICE DROP
    • Land
    • 7,492 Sq Ft
    • $52,326 per Acre

    29084 Cedar Hill Dr & Timberwood Dr, Whitney, TX 76692

    Great corner lot. Enjoy peace & tranquility of living in 24-7 gated community located north on one of the most prestigious lakes in central Texas, Lake Whitney. POA community with 2-World Class 18-Hole Golf Courses that are a challenge for any golfer, marina, 4 swimming pools to choose from to cool off while soaking up the sun, restaurants, tennis courts, etc. Wildlife roam freely throughout the

    Yvonne Curtis Bentwood Realty

    29084 Cedar Hill Dr & Timberwood Dr, Whitney, TX 76692
  • /12

    $12,000

    $8K PRICE DROP
    • Land
    • 15,550 Sq Ft
    • $33,613 per Acre

    12168 W Meadow Dr, Whitney, TX 76692

    WOODED INTERIOR LOT LEVEL FOR BUILDING YOUR VACATION PERMANENT HOME HERE IN BEAUTIFUL WHITE BLUFF RESORT FULL USE OF FACILITY POOLS TWO GOLF COURSES MARINA AND ABUNDANT WILDLIFE GO AND SHOW AGENT MUST BE PRESENT TO SEE PROPERTY

    Denise Day Ranch Masters

    12168 W Meadow Dr, Whitney, TX 76692
  • /11

    $15,000

    • Land
    • 11,325 Sq Ft
    • $57,692 per Acre

    8184 Cedarcrest Dr, Whitney, TX 76692

    Customers Builders ready to for your new home with .26 Acres. Gated community, conveniently located approximately 90 minutes south of DFW, 30 minutes north of Waco and 2 hours north of Austin. White Bluff offers affordable homesites and luxury amenities set in the natural beauty of the Texas countryside. The resort has two top-rated golf courses, fishing, boating, hiking, horseback riding,

    Gary Wallace

    8184 Cedarcrest Dr, Whitney, TX 76692
  • /8

    $29,900

    $10K PRICE DROP
    • Land
    • 12,980 Sq Ft
    • $100,336 per Acre

    19078 White Bluff Dr, Whitney, TX 76692

    Get away from in all in White Bluff Resort. Enjoy peace & tranquility of living in 24-7 gated community located north on one of the most prestigious lakes in central Texas, Lake Whitney. POA community with 2-World Class 18-Hole Golf Courses that are a challenge for any golfer, marina, 4 swimming pools to choose from to cool off while soaking up the sun, restaurants, tennis courts, etc. Wildlife

    Yvonne Curtis Bentwood Realty

    19078 White Bluff Dr, Whitney, TX 76692
  • /25

    $849,900

    • Land
    • 75.04 Acres
    • $11,326 per Acre

    277 Deer Shadow Cir, Whitney, TX 76692

    HUGE PRICE ADJUSTMENT!!! ...........AMAZING OPPORTUNITY!!! Only one of its kind in Whitney.... Do as your heartdesires with 76 ACRES! Perfect location and there is a cozy mobile home on property, ready for you to add your ownpersonal touch! Mobile home was placed there about 5 years ago and workshop was built on property around the sametime. **Workshop has water and electricity!**

    Natasha Rico TDRealty

    277 Deer Shadow Cir, Whitney, TX 76692
  • /9

    $6,000

    • Land
    • 12,850 Sq Ft
    • $20,339 per Acre

    35044 Oak Wood Dr, Whitney, TX 76692

    Build your dream home on this cleared interior lot located in the highly sought-after White Bluff Resort community on Lake Whitney! This ready-to-build property offers a blank canvas with no trees to clear, making it ideal for a smooth and efficient build process. Whether you’re planning a full-time residence, vacation home, or investment property, this lot provides flexibility and ease to bring

    Antoinette Ratliff Texas Premier Realty

    35044 Oak Wood Dr, Whitney, TX 76692
  • /6

    $21,500

    • Land
    • 10,018 Sq Ft
    • $93,478 per Acre

    TBD Chisholm Pass, Whitney, TX 76692

    This unrestricted corner property in Whitney ISD is ready for a new build or mobile home! The two lots are located just minutes from the lake and are an investment opportunity that is hard to pass up!

    Anson Linn HomeLand Realty

    TBD Chisholm Pass, Whitney, TX 76692
  • /6

    $16,000

    • Land
    • 11,194 Sq Ft
    • $62,257 per Acre

    23039 Prairie Dr, Whitney, TX 76692

    Vacant interior lot in the prestigious White Bluff Resort gated community! The residents have access to two breathtaking 18 hold golf courses, Restaurants-Bar, 4 swimming pools, playgrounds, 3 lighted tennis courts, lake Whitney, boat ramp, RV camping, and much more. This is country living in a gated community at its best with an amazing wild life scenery. The seller has three lots for sale

    Fabiola Suceveanu United Real Estate

    23039 Prairie Dr, Whitney, TX 76692
  • /11

    $124,900

    • Land
    • 3 Acres
    • $41,633 per Acre

    Lot 8 Lakewood Dr, Whitney, TX 76692

    This 3-acre lot within the city limits of Whitney features gorgeous, mature trees throughout. Located in the gated Lakewood Acres subdivision with City water service, underground electric, and a chip sealed road. Deed restrictions reflect City of Whitney standards. A rare opportunity for a wooded homesite close to town with a country living feel.

    Kaitlyn Hightower Texas Ally Real Estate Group

    Lot 8 Lakewood Dr, Whitney, TX 76692
  • /6

    $35,000

    • Land
    • 11,194 Sq Ft
    • $136,187 per Acre

    7038 Golf Dr, Whitney, TX 76692

    This lot is located overlooking the fairway on #1 of the Old Golf Course. This is a Par 4 course. Our wonderful community consists of: 2-World Class 18-Hole Golf Courses that are a challenge for any golfer, marina, 4 swimming pools to choose from to cool off while soaking up the sun, restaurants, tennis courts, etc. Wildlife roam freely throughout the community. Build your dream home, rather a

    Yvonne Curtis Bentwood Realty

    7038 Golf Dr, Whitney, TX 76692
  • /13

    $19,000

    • Land
    • 25,264 Sq Ft
    • $32,759 per Acre

    33068 Woodcrest Dr, Whitney, TX 76692

    Gated community, conveniently located approximately 90 minutes south of DFW, 30 minutes north of Waco and 2 hours north of Austin. White Bluff offers affordable homesites and luxury amenities set in the natural beauty of the Texas countryside. The resort has two top-rated golf courses, fishing, boating, hiking, horseback riding, biking, guest lodging, and restaurants and offers a relaxed,

    Gary Wallace

    33068 Woodcrest Dr, Whitney, TX 76692
  • /19

    $40,000

    $160K PRICE DROP
    • Land
    • 31,363 Sq Ft
    • $55,556 per Acre

    1644 White Bluff Dr, Whitney, TX 76692

    Nestled within the serene and exclusive White Bluff Resort, this .75-acre lot offers the perfect opportunity to build your dream home or getaway retreat. Just a 75-minute drive from the DFW Metroplex, White Bluff is a premier gated community with unparalleled amenities. Enjoy access to two championship golf courses, both ranked #1 and #2 in Texas by GolfPass, a full-service marina on Lake

    Sarah Padgett CENTURY 21 Judge Fite Co.

    1644 White Bluff Dr, Whitney, TX 76692
  • /40

    $28,000

    $21K PRICE DROP
    • Land
    • 10,018 Sq Ft
    • $121,739 per Acre

    1272 Paint Brush Ct, Whitney, TX 76692

    Great Lot with distant water view, partially cleared, backs up to a ravine so no need to worry about anyone building behind you and obscuring your view. You will see property line stakes at the front, and markings on the ground. Come enjoy swimming pools, golf courses, tennis courts, marina, restaurants, wildlife, fishing and more. Amenities transfer with sale of property, including 36 rounds of

    Lisa Hill Ranch Masters

    1272 Paint Brush Ct, Whitney, TX 76692
  • /8

    $11,000

    • Land
    • 8,189 Sq Ft
    • $58,511 per Acre

    31014 Doe Run Ct, Whitney, TX 76692

    Build your dream getaway inside the highly sought-after White Bluff Resort, a gated, master-planned community on the shores of Lake Whitney. This homesite offers a peaceful cul-de-sac setting surrounded by mature trees, rolling terrain, and the quiet, nature-rich atmosphere the resort is known for. The lot sits within White Bluff #31, a platted section with established homes, paved roads, and

    Carl Cooper eXp Realty, LLC

    31014 Doe Run Ct, Whitney, TX 76692
  • /22

    $10,000

    $1K PRICE DROP
    • Land
    • 14,374 Sq Ft
    • $30,303 per Acre

    39041 Mesquite Dr, Whitney, TX 76692

    Affordable lot in White Bluff Resort perfect for your dream home! This property offers the perfect spot for you to build or buy and hold the lot to enjoy the many amenities! The resort boasts two golf courses, lake access, a marina, a restaurant, tennis courts, community pools, waterfront pub, church, and so much more. OWNER WILL FINANCE WITH THE PURCHASE OF 5 OR MORE LOTS! Come relax on the lake!

    Lacey Whitehouse Julie Siddons REALTORS, LLC

    39041 Mesquite Dr, Whitney, TX 76692
  • /10

    $36,000

    $10K PRICE DROP
    • Land
    • 1.83 Acres
    • $19,661 per Acre

    1004 White Bluff Dr, Whitney, TX 76692

    Build your custom home in this prime development. Close to 2 acres so there is plenty o room. White Bluff offers 2 golf courses, swimming pools, restaurants, pub, marina, conference room, fire department, playground, tennis courts, pickleball courts, and even has a hotel. Come enjoy the laid back lake life in this gated community.

    Paul Sauer Sauer & Associates, Inc.

    1004 White Bluff Dr, Whitney, TX 76692
  • /12

    $30,000

    • Land
    • 13,068 Sq Ft
    • $100,000 per Acre

    17063 Trailwood Dr, Whitney, TX 76692

    White Bluff Resort is a premier gated community spanning more than 3,000 scenic acres in the Texas Hill Country, offering private access to Lake Whitney. Residents enjoy resort-style amenities including two championship golf courses, pro shop, dining options, marina, chapel, walking trails, swimming pools, tennis courts, and more. With over four miles of Lake Whitney shoreline, White Bluff

    Stephen Miller Heritage Real Estate

    17063 Trailwood Dr, Whitney, TX 76692
  • /26

    $40,000

    • Land
    • 12,283 Sq Ft
    • $141,844 per Acre

    21051 Hill Terrace Ct, Whitney, TX 76692

    Welcome to the pristine White Bluff Resort Community offering scenery that takes your breath away. Wildlife relaxing under trees and lush greenbelts fill this gated community. The outdoor enthusiest will feel right at home with the 2-World Class 18-Hole Golf Courses, jogging and bike trails, picket ball and tennis courts, 4 pools to cool off during our hot summers, restaurants, marina and boat

    Julie Patton TX Lake & Land Real Estate

    21051 Hill Terrace Ct, Whitney, TX 76692
  • /30

    $45,000

    • Land
    • 1 Acre
    • $45,000 per Acre

    5007 Horseshoe Dr, Whitney, TX 76692

    Bring your horses! 2 plated, treed lots in the equestrian area of White Bluff Resort on Lake Whitney, TX. Lots 7 and 8, 75,K each! Come enjoy all the fun times and make memories for a life time with four swimming pools, boat ramp, marina, RV camping, tennis courts, 2 championship golf courses and so much more. Enjoy country living in this beautiful gated and guarded community. Plenty of elbow

    Lisa Hill Ranch Masters

    5007 Horseshoe Dr, Whitney, TX 76692
  • /2

    $195,000

    • Land
    • 14.51 Acres
    • $13,439 per Acre

    TBD Cedar Elm Dr, Whitney, TX 76692

    Nice heavily treed 14.51 acres in nice deed restricted subdivision with no HOA dues. Property is Ag exempt. Most fencing is in place. Paved road access to property. Call for showing or more information. Taxes and exemptions to be verified by Buyers agent.

    richard chrisner Riverplace Realty

    TBD Cedar Elm Dr, Whitney, TX 76692
  • /2

    $9,999

    $1K PRICE DROP
    • Land
    • 16,988 Sq Ft
    • $25,638 per Acre

    39019 Quail Run Rd, Whitney, TX 76692

    Build your dream home or weekend getaway in the sought-after White Bluff Resort community on beautiful Lake Whitney! This wooded lot sits inside a gated, resort-style neighborhood offering 24/7 security, two championship golf courses, community pools, tennis, marina access, restaurant, and more. Enjoy peaceful country living with wildlife, starry skies, and all the perks of a lakeside resort—just

    David Perkins NextHome Perkins Realty Group

    39019 Quail Run Rd, Whitney, TX 76692
  • /27

    $10,000

    $1K PRICE DROP
    • Land
    • 7,927 Sq Ft
    • $54,945 per Acre

    39073 Spring Willow Ct, Whitney, TX 76692

    Come build your dream home on this lot located in the lively White Bluff Resort! Come relax and enjoy the many amenities of this resort such as two golf courses, tennis courts, marina, lake access, community pools, restaurant, water front pub, store, church, and so much more. This lot is situated on a quiet cul-de-sac that backs up to an open pasture. OWNER WILL FINANCE WITH THE PURCHASE OF 5 OR

    Lacey Whitehouse Julie Siddons REALTORS, LLC

    39073 Spring Willow Ct, Whitney, TX 76692
  • /11

    $44,900

    • Land
    • 17,424 Sq Ft
    • $112,250 per Acre

    TBD Barnacle St, Whitney, TX 76692

    Two beautiful adjoining lots totaling .4 acres offer the perfect canvas to build the home you’ve always imagined. Set among mature trees and surrounded by hundreds of acres of Corps of Engineers land, this property delivers the peace, privacy, and natural beauty that make Lake Whitney such a sought-after escape. The lake itself wraps the area, and you’re only about a mile from a convenient boat

    Michael Ruesch Weichert, Realtors - The Eastland Group

    TBD Barnacle St, Whitney, TX 76692
  • /11

    $25,000

    $10K PRICE DROP
    • Land
    • 10,454 Sq Ft
    • $104,167 per Acre

    tbd Timberline Dr, Whitney, TX 76692

    **Charming .24-Acre Lot with Fenced Perimeter and Shed** Discover the perfect canvas for your next project or dream home with this versatile .24-acre lot. Nestled in a serene and accessible location, this property boasts a fully fenced perimeter, offering both privacy and security. The included shed provides convenient storage or could be repurposed for a variety of uses, from a workshop to a

    Veronica Ayala United Real Estate

    tbd Timberline Dr, Whitney, TX 76692

Showing Results 361 - 400, Page 10 of 11

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