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Homes for Sale near Whitwell Elementary School

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  • /37

    $99,000

    • Land
    • 0.74 Acre
    • $133,784 per Acre

    0 Crockett Point Unit 1378638, Jasper, TN 37347

    Come build your dream home on this beautiful, level wooded lot located in the highly sought after Jasper Highlands community. This lot backs up to one parcel of over 1400 acres for ultimate privacy. Living your best life includes a community village with numerous parks & recreation areas including miles of hiking trails, workout facilities, fishing ponds a restaurant & brewery and so much

    Melissa Hubbard RE/MAX Realty South

    0 Crockett Point Unit 1378638, Jasper, TN 37347
  • /36

    $775,000

    • 4,553 Sq Ft

    602 Elm Ave, South Pittsburg, TN 37380

    602 Elm Avenue Apartments for Sale! Historic Church Conversion- Fully Leased 4-Unit Apartment Building in the heart of South Pittsburg. Step into a unique investment opportunity with this beautifully renovated 4-unit apartment building, originally constructed as a church and thoughtfully transformed just three years ago. Combining historic charm with modern convenience, each

    Diana Davies Real Estate Partners Chattanooga LLC

    602 Elm Ave, South Pittsburg, TN 37380
  • /24

    $212,000

    • Land
    • 10.6 Acres
    • $20,000 per Acre

    1 Seagroves Rd, Tracy City, TN 37387

    Make plans to build your dream home! Uncleared, bluff land set in a serene, private mountain area at Bluff Edge. Lots of peace and quiet. Mature trees, wild flowers, rock outcropping, and a house site. 2 lots!

    Deborah Brady Century 21 Coffee County Realty & Auction

    1 Seagroves Rd, Tracy City, TN 37387
  • /45

    $107,000

    • Land
    • 0.86 Acre
    • $124,419 per Acre

    1255 Cherokee Path, Jasper, TN 37374

    This wooded homesite in the gated Jasper Highlands community is the perfect setting for your custom dream home. It offers privacy, mature hardwoods, and a peaceful mountain setting with access to the incredible amenities that make Jasper Highlands one of the most desirable communities in the Sequatchie Valley. Perked for a three-bedroom residence, the property is gently sloped from front to

    Jessica Wright RE/MAX Realty South

    1255 Cherokee Path, Jasper, TN 37374
  • /30

    $115,000

    • Land
    • 1.7 Acres
    • $67,647 per Acre

    0 Raulston Falls Rd Unit 1386928, Jasper, TN 37347

    Larger than average interior lot with views from your future front porch! This lot backs up to the nature preserve so your only back neighbors will be deer, turkey, and other wildlife! Wooded for privacy, allowing you to place your home where you desire. Jasper Highlands is a premiere mountain top gated community located just minutes from dining and shopping in Kimball, Jasper, and South

    Hunter Denton RE/MAX Properties

    0 Raulston Falls Rd Unit 1386928, Jasper, TN 37347
  • /15

    $37,000

    • Land
    • 0.83 Acre
    • $44,578 per Acre

    0 Shadow Rock Dr Unit 1525123, Monteagle, TN 37356

    0.83-acre wooded lot in the established Shadow Rock Subdivision. Conveniently located near Monteagle and Sewanee, this property offers quick access to the Mountain Goat Trail, Laurel Lake, and South Cumberland State Park. City water, electric, and high-speed fiber internet available. For the outdoor enthusiast you can enjoy all the outdoor recreation the South Cumberland Plateau has to offer with

    Teresa Smith Century 21 Cumberland Realty

    0 Shadow Rock Dr Unit 1525123, Monteagle, TN 37356
  • /27

    $140,000

    • Land
    • 2.11 Acres
    • $66,351 per Acre

    000 Chipmunk Ct, Jasper, TN 37347

    Prime 2.11-Acre Corner Lot in Jasper Highlands!Discover the perfect blend of privacy and community in this 2.11-acre corner lot, partially cleared with a picturesque creek, nestled in the prestigious Jasper Highlands—a private, gated mountain community. Enjoy breathtaking natural beauty and world-class amenities, including the Top of the Rock restaurant & microbrewery, community pool,

    Robin Garner BHHS Southern Routes Realty

    000 Chipmunk Ct, Jasper, TN 37347
  • /37

    $325,000

    • Land
    • 5.4 Acres
    • $60,185 per Acre

    290 Bear Trace Dr Unit Rb-201, Jasper, TN 37347

    Nestled in the very private culdesac, on the highly sought after River Bluff side of Jasper Highlands, is this very large 5.4 acre lot, a hidden gem of a lot! It has mixed hard wood and Pines, and backs up to a private, shared pond. Bring your dream plans and build a private dock, for paddle boarding, Kayaking, fishing, etc. Oh what fun this home will be. The lot next to it is for sale also,

    Jessica Wright RE/MAX Realty South

    290 Bear Trace Dr Unit Rb-201, Jasper, TN 37347
  • /15

    $255,000

    • Land
    • 22.84 Acres
    • $11,165 per Acre

    0 Old Harris Turnpike Rd Unit RTC2786792, South Pittsburg, TN 37380

    Spectacular Hardwood Bluff lot with great views of surrounding Mountains and Tennessee Valley! With over 20 acres of pristine wooded land, you'll have plenty of space to build your dream home and still have land for all outdoor activates. This property is located at the end of the road for ultimate privacy. For the adventurer in you, Franklin Forest, a Tennessee State Park is minutes away.

    Melissa Hubbard RE/MAX Realty South

    0 Old Harris Turnpike Rd Unit RTC2786792, South Pittsburg, TN 37380
  • /82

    $425,000

    • Land
    • 2.42 Acres
    • $175,620 per Acre

    0 River Bluffs Dr Unit 1516079, Jasper, TN 37347

    Discover Lot RB66- an incredible bluff lot tucked away at the end of River Bluffs Drive in the coveted mountaintop gated community of Jasper Highlands. This prime location offers breathtaking, unobstructed views of the Tennessee River, the valley below, and the surrounding mountains. Positioned for ultimate privacy and scenic beauty, this wooded lot is the perfect setting for your custom home.

    Mary Weathers RE/MAX Properties

    0 River Bluffs Dr Unit 1516079, Jasper, TN 37347
  • /18

    $279,000

    • Land
    • 2.36 Acres
    • $118,220 per Acre

    9 Lodge Point Rd, South Pittsburg, TN 37380

    Commanding 2.36-acre bluff estate offering sweeping Tennessee River, downtown South Pittsburg, valley, and layered mountain views in one of the most sought-after areas on South Pittsburg Mountain -- where property rarely becomes available. This exceptional property features dramatic sandstone bluff frontage, natural rock formations, and a small seasonal waterfall, creating a truly distinctive

    Jacquie Jenkins RE/MAX Realty South

    9 Lodge Point Rd, South Pittsburg, TN 37380
  • /23

    $149,000

    • Land
    • 1.04 Acres
    • $143,269 per Acre

    2045 Constellation Ct, Guild, TN 37340

    Beautiful 1+ ACRE Mountain HOMESITE! Build NOW and skip the waiting list line. Welcome to serene mountaintop living in the new River Gorge Ranch Community. Surrounded by TN River views, woodland privacy, and upcoming resort-style amenities. CONVENIENT to I-24! 30 Minutes to Jasper, Kimball, and South Pittsburg dining, shopping, medical. Pre-approved for 3 bedroom home, power, water, and GIG SPEED

    Todd Henon Greater Downtown Realty dba Keller Williams Realty

    2045 Constellation Ct, Guild, TN 37340
  • /37

    $165,900

    • Land
    • 1.27 Acres
    • $130,630 per Acre

    245 Lookout View Dr Unit Rb-218, Jasper, TN 37347

    Welcome to the gated community of Jasper Highlands. Elevated above the Tennessee River Bluffs, in this beautiful mountain top development, sits a very flat lot, with a mixture of hard wood trees, and a seasonal stream at the back. This lot is 1.27 acres, and ready for you to build your dream home. If you build 2-stories with upper decks, the mountain views are gorgeous with that smokey mountain

    Jessica Wright RE/MAX Realty South

    245 Lookout View Dr Unit Rb-218, Jasper, TN 37347
  • /5

    $129,000

    • Land
    • 3.47 Acres
    • $37,176 per Acre

    41 Wohalie Ln, South Pittsburg, TN 37380

    Discover 3.47+/- acres of beautiful, wooded land in the desirable Sequatchie Point community of South Pittsburg TN. This private peaceful tract offers a mature hardwood setting, perfect for a future homesite, weekend getaway or investment. Enjoy the quiet mountain surroundings, and abundant wildlife. If you have been looking for acreage that combines natural beauty with privacy, this property is

    Clint Carroll Mossy Oak Properties Land Sales LLC

    41 Wohalie Ln, South Pittsburg, TN 37380
  • /18

    $160,000

    • Land
    • 0.67 Acre
    • $238,806 per Acre

    615 Cumberland Cir, Jasper, TN 37347

    Most affordable Bluff Lot in Jasper Highlands. No sacrificing on View!! Approved for 3 bedroom home, hurry and claim this lot as yours! Jasper Highlands is a premiere mountain top gated community located just minutes from dining and shopping in Kimball, Jasper, and South Pittsburg while still being 30 minutes from downtown Chattanooga! Jasper Highlands amenities are some of the best offered

    Hunter Denton RE/MAX Properties

    615 Cumberland Cir, Jasper, TN 37347
  • /9

    $199,000

    • Land
    • 1.95 Acres
    • $102,051 per Acre

    0 Melody Dr Unit RTC2988062, Guild, TN 37340

    Discover your personal oasis on this stunning 1.95 acre partially wooded lot in an exclusive gated community where luxury meets nature's embrace. This pristine vacant land offers the perfect canvas for creating your dream home among towering mature trees and breathtaking scenic views.Picture yourself in a private sanctuary where underground utilities preserve the landscape's natural

    Melissa Hubbard RE/MAX Realty South

    0 Melody Dr Unit RTC2988062, Guild, TN 37340
  • /21

    $175,000

    • Land
    • 2.93 Acres
    • $59,727 per Acre

    0 Cherokee Path Unit 1518447, Jasper, TN 37347

    If you are looking for a private lot within the gated mountain top community of Jasper Highlands, This large lot is for you! This 2.93 acre lot has been approved for a 4 bedroom home and would feature a long driveway leading you to the perfect building spot overlooking a beautiful creek! Power, fiber, & water are available at the road. This lot is in the Jasper Farms area within Jasper Highlands

    Hunter Denton RE/MAX Properties

    0 Cherokee Path Unit 1518447, Jasper, TN 37347
  • /18

    $62,000

    • Land
    • 5.2 Acres
    • $11,923 per Acre

    0 Coburntown (Lot 13) Rd Unit 1523435, South Pittsburg, TN 37380

    Private 5.3-acre wooded homesite just minutes from South Pittsburg and I-24. This secluded mountain parcel offers multiple potential building sites and the possibility of beautiful valley views with selective clearing. Enjoy the peace and privacy of country living while still being conveniently close to town, restaurants, and interstate access. Light restrictions protect your investment while

    Jacquie Jenkins RE/MAX Realty South

    0 Coburntown (Lot 13) Rd Unit 1523435, South Pittsburg, TN 37380
  • /60

    $89,000

    • Land
    • 1.23 Acres
    • $72,358 per Acre

    0 Crockett Pointe Unit Jf-178, Sequatchie, TN 37374

    Welcome to Jasper Highlands. This luxury gated mountaintop community has breathtaking views and amenities for all to enjoy. The amenities include: walking trails, tennis and pickle ball courts, two swimming pools, breath-taking views, a restaurant, state of the art wellness center, and much, much more. Lot JF-178 is a 1.24 acre lot. Buyer to verify any and all information they deem important.

    Brent Campbell Blackwell Realty and Auction

    0 Crockett Pointe Unit Jf-178, Sequatchie, TN 37374
  • /21

    $1,150,000

    • Land
    • 1.71 Acres
    • $672,515 per Acre

    1155 Buck Crossing Dr, Guild, TN 37340

    Welcome to this incredible Lot located in River Gorge Ranch- Tennessee's newest, private, gated mountaintop community! RGR is a stunning, gated community 25 minutes from Chattanooga, Tn.. Just when you thought all the Lots with the most spectacular views in the development were taken, this lot on Buck Crossing becomes available! What is special about this Lot, well pretty much everything! With

    Stephen Lowery RE/MAX Properties

    1155 Buck Crossing Dr, Guild, TN 37340
  • /93

    $170,000

    • Land
    • 2.04 Acres
    • $83,333 per Acre

    0 Raulston Falls Rd Unit 1527331, Jasper, TN 37347

    Welcome to your slice of paradise in the esteemed Jasper Highlands neighborhood! This 2.04-acre lot offers the perfect canvas for your dream home and percs for a 3 bedroom home. Discover the serenity of nature with your very own private pond, creating a tranquil oasis right in your backyard. Imagine leisurely mornings spent fishing or simply enjoying the serene ambiance of the water. With ample

    Mary Weathers RE/MAX Properties

    0 Raulston Falls Rd Unit 1527331, Jasper, TN 37347
  • /70

    $395,000

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

    517 Laurel Ave, South Pittsburg, TN 37380

    HUGE PRICE ADJUSTMENT f you've been looking for a home with the 1950's grand style, then look no further. This home located in the historic Original part has 10 feet ceilings, lots of rooms, and a true homey feel. Good sized kitchen has nice cabinets and leads into a huge sunken den that's perfect for get togethers. Off the den and is a sunroom which is perfect for your morning coffee or just

    Butch Witcher Heart Realty, Inc.

    517 Laurel Ave, South Pittsburg, TN 37380
  • /12

    $127,000

    • Land
    • 1.81 Acres
    • $70,166 per Acre

    0 Bobcat Trail, Jasper, TN 37347

    Tucked within a private, wooded setting in the Jasper Highland gated mountaintop community, this vacant lot offers a peaceful retreat that's only a short walk to neighborhood amenities. With generous natural surroundings and mature trees, this parcel is the perfect canvas for your mountain living dream. Whether you're planning a weekend getaway or a future forever home, the property's location

    Melissa Hubbard RE/MAX Realty South

    0 Bobcat Trail, Jasper, TN 37347
  • /35

    $80,000

    • Land
    • 1.06 Acres
    • $75,472 per Acre

    0 Moonlight Ln Unit RTC2567904, Sequatchie, TN 37374

    Welcome to the gated Mountain Top community of Jasper Highlands, located approximately 30 minutes from Downtown Chattanooga and 5 minutes to the town of Jasper/Kimball where shops, restaurants, Walmart, etc are located! This is your opportunity to build your home with lots of road frontage! Most of the lot is wooded with evergreens, perfect for privacy! Power, fiber, & water are available at the

    Hunter Denton RE/MAX Properties

    0 Moonlight Ln Unit RTC2567904, Sequatchie, TN 37374
  • /33

    $215,000

    • 4 Beds
    • 2.5 Baths
    • 2,160 Sq Ft

    6729 Old Dunlap Rd, Whitwell, TN 37397

    Great location! So much Potential! This 4 bedroom 2 1/2 bath farm house with lots of character inside and out. Situated on 2.31+-acres with Mountain views from the front porch and back deck. Two Storage buildings and a detached garage. Located a few short minutes from Hwy. 28. Home needs a little TLC and to be sold ''AS IS.

    Tiffany Jenkins Century 21 Cumberland Realty

    6729 Old Dunlap Rd, Whitwell, TN 37397
  • /16

    $225,000

    • Land
    • 0.39 Acre
    • $576,923 per Acre

    0 Edgewater Way Unit 1398016, Jasper, TN 37347

    Enjoy breathtaking views into your deep water cove in the vibrant Crown Harbor on the picturesque Nickajack Lake. This exceptional lot offers a sense of exclusivity while being perfectly positioned near all the planned amenities. Experience the convenience and charm of living in a community crafted for an extraordinary lifestyle. This charming and picturesque 0.39acre property offers the perfect

    Terra Villers RE/MAX Renaissance Realtors

    0 Edgewater Way Unit 1398016, Jasper, TN 37347
  • /10

    $1,595,900

    • 4 Beds
    • 4 Baths
    • 3,532 Sq Ft

    140 Edgewater Way, Jasper, TN 37347

    Waterfront Home NEAR River Gorge Ranch. Located Approx 2 Miles from 1-24 and is less than a 30 minute drive to downtown Chattanooga. Some Interior photos are of a recently completed home with same floor plan. This home has 2 bedrooms on the main . 2 Bedrooms on the second floor with 2 full baths and a spacious bonus room. 3 car garage. There is no carpet in this home which makes it ideal for lake

    Angela Privett Benchmark Realty, LLC

    140 Edgewater Way, Jasper, TN 37347
  • /16

    $89,000

    • Land
    • 3.35 Acres
    • $26,567 per Acre

    0 Wohalie Ln Unit 1529092, South Pittsburg, TN 37380

    The gated community of Sequatchie Pointe, 3.35 acres of land across the road from bluff, views of the Tennessee River, large community pond, amazing neighbors, and privacy. Endless views. There is no HOA, but there is Deed Restrictions within the community. Agents must be present when showing the property. Give me a call today to schedule your showing. 5+ acres or more allow horses. Buyer to

    Amber Everett Keller Williams Realty

    0 Wohalie Ln Unit 1529092, South Pittsburg, TN 37380
  • /31

    $335,000

    • Land
    • 1.06 Acres
    • $316,038 per Acre

    0 Crockett Pointe Unit 1372366, Jasper, TN 37347

    Imagine starting your days with AMAZING sunrises, on top of the world. This gorgeous level Bluff property is approved for 3 Bedrooms and is located in Jasper Farms within the most beautiful mountain top community, Jasper Highlands. Jasper Farms has a brand new pool complex and its own fire station. This property offers incredible mountain views, unique rock formations and plenty of privacy. Enjoy

    Deena Dantzler Brandon Coldwell Banker Kinard Realty - Ga

    0 Crockett Pointe Unit 1372366, Jasper, TN 37347
  • /2

    $720,000

    • 4 Beds
    • 3.5 Baths
    • 4,412 Sq Ft

    310 Bluffs Rd N, South Pittsburg, TN 37380

    Discover 310 Bluff Rd, a remarkable custom home on 3.17 private acres in South Pittsburg, TN. This expansive residence blends luxury, comfort, and breathtaking panoramic lake and ridgeline views, all within minutes of town. The main level features a spacious master suite with two oversized walk-in closets, a spa-like en-suite bathroom (walk-in tile shower, jetted tub), and private access to a

    Wade Trammell Greater Downtown Realty dba Keller Williams Realty

    310 Bluffs Rd N, South Pittsburg, TN 37380
  • /44

    $849,900

    • Land
    • 1.42 Acres
    • $598,521 per Acre

    1075 Birds Eye Way, Guild, TN 37340

    Welcome to this exclusive mountain retreat of prestigious River Gorge Ranch. Tranquility and peace, surrounded by trees with a community that offers so much. Villa Square spans 27 acres at the extravagant entrance with the Riverdance Restaurant with a view that will take your breath away, retail center, pavilion, fitness facilities, welcome center, pool/clubhouse, serene pond and a huge lawn for

    Lynn Willis Sewanee Realty

    1075 Birds Eye Way, Guild, TN 37340
  • /24

    $269,900

    • 3 Beds
    • 2 Baths
    • 2,064 Sq Ft

    804 Elm Ave, South Pittsburg, TN 37380

    The vintage 1936 full brick home has a lot of character and charm. The 3-bedroom 2-full-bath home has updates, including new cabinets with granite countertops in the kitchen, plumbing totally reworked with 2 new bathrooms, a gas water heater, vinyl windows, and HVAC, including ductwork, that have all been repaired or replaced in the last 4 years. An office off the kitchen could be a 4th bedroom

    John Wells Century 21 Cumberland Realty

    804 Elm Ave, South Pittsburg, TN 37380
  • /17

    $110,000

    • Land
    • 0.57 Acre
    • $192,982 per Acre

    0 Volunteer St Unit 1508905, Jasper, TN 37347

    Welcome to the exquisite Mountain Top gated community of Jasper Highlands. If the views driving up the mountain do not take your breath away, then wait until you watch the sunset off from your custom-built home. This lot is level land with stunning bluff to the left side and across the way. The community offers numerous remarkable amenities, including walking trails, tennis and pickle ball

    Melissa Hubbard RE/MAX Realty South

    0 Volunteer St Unit 1508905, Jasper, TN 37347
  • /18

    $99,000

    • Land
    • 1.36 Acres
    • $72,794 per Acre

    285 Pioneer Rd, Jasper, TN 37347

    Imagine waking up every day surrounded by breathtaking mountain views, fresh air, and endless opportunities for adventure—welcome to 285 Pioneer Rd in the exclusive Jasper Highlands! This 1.36-acre lot is your blank canvas to build the home of your dreams in a gated community that has it all.Spend your weekends lounging by the community pool, playing a match on the tennis courts, or

    Christian Beairsto Porchlight Real Estate LLC

    285 Pioneer Rd, Jasper, TN 37347
  • /26

    $220,000

    • Land
    • 6.2 Acres
    • $35,484 per Acre

    0 Edgewater Way Unit RTC2824329, Jasper, TN 37347

    This 6.2± ACRE HOMESITE in the gated Crown Harbor community. This NICKAJACK LAKE community offers an opportunity to build your home around natural beauty and outdoor recreation! 22 minutes from Downtown Chattanooga - this LEVEL lot has MOUNTAIN VIEWS! Ideal for a long driveway leading to your dream home, with a serene view of the adjacent pond, all within close proximity to the community dock.

    Todd Henon Greater Downtown Realty dba Keller Williams Realty

    0 Edgewater Way Unit RTC2824329, Jasper, TN 37347
  • /27

    $135,000

    • Land
    • 1.24 Acres
    • $108,871 per Acre

    3525 Crockett Point, Jasper, TN 37347

    Welcome to Jasper Highlands, a premier gated community, In Marion County, Just west of Chattanooga by 21 miles. Sitting on the Cumberland Plateau. This lot is located in The Farms, if you want rural and peace and quiet, a chance to unwind as you go home from a busy day at work, this is the place. Nestled in the pine trees of the farms is lot JF-135, this lot is and interior lot on Crockett Point,

    Jessica Wright RE/MAX Realty South

    3525 Crockett Point, Jasper, TN 37347
  • /11

    $130,000

    • Land
    • 0.35 Acre
    • $371,429 per Acre

    55 Captains Way, Jasper, TN 37347

    Crown Harbor Gem: Build Your Dream Home on Captain's Way Lot 55!Discover the perfect setting for your new home in the highly sought-after gated community of Crown Harbor. This beautiful lot on a cul-de-sac offers an incredible opportunity to embrace lake living at its finest.As a resident of Crown Harbor, you'll enjoy exclusive access to a wealth of amenities designed for a

    Loni Marcus Keller Williams Realty

    55 Captains Way, Jasper, TN 37347
  • /18

    $500,000

    • Land
    • 5.01 Acres
    • $99,800 per Acre

    0 Water Front Place Unit RTC2964379, Jasper, TN 37347

    Dockable Waterfront Acreage! One of two 5+/-acre lots, each with 156 +/- feet of frontage on the Tennessee River in the Kimball area approximately 30 minutes from downtown Chattanooga. Whether you are looking for the perfect spot to build your forever home or your ideal weekend retreat with views of both the mountains and the river, then this unrestricted, level acreage could be the property that

    Jay Robinson Greater Downtown Realty dba Keller Williams Realty

    0 Water Front Place Unit RTC2964379, Jasper, TN 37347
  • /35

    $99,900

    • Land
    • 0.81 Acre
    • $123,333 per Acre

    81 Crockett Loop, Jasper, TN 37374

    Welcome to your future homesite in the prestigious Jasper Highlands community!This 0.81+/-acre raw land parcel offers the perfect canvas to build your dream home surrounded by nature, scenic views, and upscale amenities. Located atop the stunning Cumberland Plateau in Jasper TN, this property grants you access to a wide array of community perks, including: Multiple swimming pools one of which

    David Dancy Mossy Oak Properties Land Sales LLC

    81 Crockett Loop, Jasper, TN 37374
  • /32

    $325,000

    • Land
    • 1.61 Acres
    • $201,863 per Acre

    0 Raulston Falls Rd Unit RTC3039106, Jasper, TN 37347

    Beautiful West facing Bluff lot with waterfall located in the Jasper Farms section of Jasper Highlands, Tennessee's Premier Mountain Top Gated Community! Wet Weather waterfall cascades off your bluff, plus these views! Jasper Highlands is a gated Mountain Top community located approximately 30 minutes from Downtown Chattanooga and minutes to shopping/dining in Kimball. Jasper Highlands is FULL of

    Hunter Denton RE/MAX Properties

    0 Raulston Falls Rd Unit RTC3039106, Jasper, TN 37347

Showing Results 401 - 440, Page 11 of 15

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