2,082

Bergen County NJ Homes for Sale

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  • /38

    $899,000 Open Sun 1PM - 3PM

    • 6 Beds
    • 4 Baths

    28 Niehaus Ave, Little Ferry, NJ 07643

    Welcome to this beautifully maintained two-family home situated on a desirable street in Little Ferry. Perfectly located just minutes from NYC transportation, good schools, local parks, and shopping, this property offers convenience, comfort, and tremendous opportunity! Each unit features separate private entrances and separate utilities, making it ideal for investors or extended families. With a

    Mauro Raguseo Century 21 Gentry Realtors

    28 Niehaus Ave, Little Ferry, NJ 07643
  • /30

    $899,000 Open Sat 12PM - 3PM

    • 4 Beds
    • 2 Baths

    565 Center St, Wood Ridge, NJ 07075

    Welcome to 565 Center Street & 56 Columbia Street, Wood-Ridge-a rare two-lot property with dual street access and plenty of room to grow. This extended Cape Cod home, originally built in 1961 with a substantial extension added in 2010, blends comfort, space, and convenience-all just minutes from NYC. Featuring 4 bedrooms and 2 full baths across 1,932 sq. ft., the home offers a warm and functional

    SHARAD PATEL Realty One Group Legend, Clifton

    565 Center St, Wood Ridge, NJ 07075
  • /29

    $925,000

    • 3 Beds
    • 2.5 Baths

    2 Churchill Rd, Cresskill, NJ 07626

    Welcome to 2 Churchill Road - a thoughtfully maintained 3-bedroom, 2-bath split-level home offering a harmonious blend of comfort, function, and location in one of Cresskill's most sought-after neighborhoods. Set on a beautifully landscaped lot, this home welcomes you with a warm and inviting living space that flows into a formal dining area and an updated kitchen - ideal for daily living and

    Joseph Aziz PRESTIGE PROPERTY GROUP MONTCLAIR

    2 Churchill Rd, Cresskill, NJ 07626
  • /28

    $689,000 Open Sat 1PM - 3PM

    • 3 Beds
    • 2.5 Baths

    57 Fairview Ave, Park Ridge, NJ 07656

    Impeccably updated and truly turnkey, this lovely Colonial exudes timeless and modern style in sought-after Park Ridge, NJ. With undeniable curb appeal, it stands out as one of the most attractive homes in this vibrant neighborhood. Inside, stylish finishes enhance the warm and inviting spaces, while a thoughtful layout offers both comfort and function. The primary bedroom boasts a full bathroom

    Lauren Schachtel Coldwell Banker, Ridgewood

    57 Fairview Ave, Park Ridge, NJ 07656
  • /21

    $838,000

    • 5 Beds
    • 2.5 Baths

    136 W Central Ave, Bergenfield, NJ 07621

    Center Hall Colonial Home available in Bergenfield New Jersey. Set on a deep lot that extends back to COOPER'S POND. Features 5 Bedrooms (includes a Grand Bedroom Suite) and 3.5 Bathrooms in its 3 floors of living space plus a semi-finished basement. The backyard is a playground for activity and relaxation, with a little care and attention. It extends over 450 ft deep, allowing for many

    Eileen O'Driscoll Century 21 Concept 100

    136 W Central Ave, Bergenfield, NJ 07621
  • /26

    $775,000 Open Sat 1PM - 3PM

    • 3 Beds
    • 2 Baths

    11 Holland Ave, Demarest, NJ 07627

    Welcome to this beautifully renovated colonial in Demaresta€TMs highly sought-after East Hill neighborhood! This south-facing home, filled with natural light, offers a bright living room, a formal dining room, and a stunning kitchen with timeless shaker cabinets, quartz countertops, and stainless steel appliances. Additional highlights include two renovated full bathrooms, refinished hardwood

    Paul Kim 2Win Realty LLC

    11 Holland Ave, Demarest, NJ 07627
  • /46

    $2,125,000

    • 4 Beds
    • 3.5 Baths

    200 Old Palisade Rd Unit PH 4/5, Fort Lee, NJ 07024

    Perched atop the Fort Lee skyline, this 4 bedroom, 3.5 bath Penthouse is the jewel of luxury living boasting outrageous wraparound views of both New York and New Jersey, that stretch as far as the eye can see. Wake up to the panoramic view of the NYC skyline, the Ramapo Mountains and everything in-between. Inside, you'll find cozy elegance and sleek-designed living spaces; cherry-wood floors and

    Robert Russo Russo Real Estate

    200 Old Palisade Rd Unit PH 4/5, Fort Lee, NJ 07024
  • /50

    $699,300 Open Sun 12PM - 2PM

    • 3 Beds
    • 2.5 Baths

    9 Margaret Ct, Fair Lawn, NJ 07410

    CALL Mital Kataria at 732.789.0670 to schedule a tour. Welcome to this beautifully maintained single-family home nestled on a quiet street in a desirable neighborhood. This 3-bedrm, 2.5-bath home offers the perfect blend of comfort, space, and convenience. The main level features a sun-filled living room with a cozy fireplace, an updated kitchen, two generously sized bedrooms, a full bath, and a

    Mital Kataria United Real Estate

    9 Margaret Ct, Fair Lawn, NJ 07410
  • /34

    $559,000

    • 2 Beds
    • 2 Baths

    218 Court Ave, Lyndhurst, NJ 07071

    This delightful 2 bedroom, 2 bath Colonial is full of character and space, located on a quiet residential street just a 5 minute walk to the train - perfect for commuting! A heated front sunroom welcomes you in, while the spacious family room, surrounded by windows, overlooks an extra large, private yard and opens to a wraparound deck, ideal for relaxing and entertaining. The inviting living room

    KATHLEEN SAVINO COCCIA REALTY BHGRE

    218 Court Ave, Lyndhurst, NJ 07071
  • /35

    $645,300 Open Sat 2PM - 4PM

    • 2 Beds
    • 3 Baths

    102 Wesmont Dr Unit 3912, Wood Ridge, NJ 07075

    Your Home Search Ends Here! Welcome to this stunning, move-in-ready END UNIT townhome located in one of Bergen Countya€TMs most desirable communities. This bright and spacious home features 2 generously sized bedrooms, 3 full baths, and 2-car parking. The open-concept main floor includes a sun-filled living room with dining area with large windows, and a modern kitchen with pantry, granite

    Mital Kataria United Real Estate

    102 Wesmont Dr Unit 3912, Wood Ridge, NJ 07075
  • /26

    $789,000 Open Sat 1PM - 3PM

    • 4 Beds
    • 2 Baths

    53 Fairlawn Pkwy, Fair Lawn, NJ 07410

    Experience the perfect blend of style and functionality in this fully renovated Fair Lawn home offering nearly 2,000 sq. ft. of living space. The first floor welcomes you with a spacious great room with a cozy fireplace and patio access, a sleek modern kitchen with stainless steel appliances, a formal dining room, two bedrooms, a full bath, and a sunlit living room with a second fireplace.

    Paul Kim 2Win Realty LLC

    53 Fairlawn Pkwy, Fair Lawn, NJ 07410
  • /43

    $1,259,000 Open Sun 1PM - 3PM

    • 5 Beds
    • 4 Baths

    747 Mildred St, Teaneck, NJ 07666

    Here is a unique opportunity to live on one of Teaneck's most prestigious streets. This charming Tudor home offers 5 spacious bedrooms and 4 full bathrooms, blending timeless elegance with modern comfort. The home is adorned with beautiful chestnut woodwork throughout and sits on lushly landscaped grounds, which are beautifully manicured and well known in Teaneck. Upon entering, you're greeted by

    Robert Russo Russo Real Estate

    747 Mildred St, Teaneck, NJ 07666
  • /30

    $649,900 Open Sat 1PM - 3PM

    • 3 Beds
    • 2.5 Baths

    632 Ramapo Valley Rd, Oakland, NJ 07436

    Welcome to this beautifully maintained 3-bedroom, 2.5-bath ranch-style home nestled on a spacious and private .75-acre lot and offering the perfect blend of comfort, functionality, and serene suburban living! The gracious entry foyer leads into a seamless flow of living, dining, and kitchen areasa€”perfect for both everyday living and entertaining. The living room with hardwood flooring features

    Patricia Davis Coldwell Banker, Upper Montclair

    632 Ramapo Valley Rd, Oakland, NJ 07436
  • /25

    $675,000

    • 3 Beds
    • 1.5 Baths

    14-24 11th St Unit 1X, Fair Lawn, NJ 07410

    Welcome to this well maintained 3 Bdrm 1.5 Bath Colonial on a large lot and beautiful backyard - This inviting home blends architectural charm with tasteful modern updates - Ent Foy, Living Rm with Fireplace, Den or office perfect for working from home, a playroom, or a quiet reading rm, Large formal Dining Room, ideal for hosting and flows into the modern newer kitchen w/granite countertops,

    Jane Ferlanti Coldwell Banker, Ridgewood

    14-24 11th St Unit 1X, Fair Lawn, NJ 07410
  • /8

    $85,000

    • 2 Beds
    • 1 Bath

    4 Metro Ave, Moonachie, NJ 07074

    Renovated Mobile Home located in the heart of Moonachie. It offers a new kitchen with large cabinets and an island. In addition, 2 bedrooms, one bath and private backyard. It comes with parking and washer and dryer connections. HOA is $1080 covers property taxes, water and parking.

    Juan Pena Coldwell Banker, Clifton

    4 Metro Ave, Moonachie, NJ 07074
  • /46

    $875,000

    • 4 Beds
    • 2 Baths

    15 Dorotockeys Ln, Old Tappan, NJ 07675

    Welcome to 15 Dorotockeys Lane, where space and location come together in one package. Set on a full 1 acre lot in one of Bergen Countya€TMs most sought-after towns, this property is full of possibilities. Whether youa€TMre ready to take on a handyman special and bring the current home back to life, or prefer to build your dream home from the ground up, the lot and location make it possible.

    Brian Kim Proper Estates, Inc.

    15 Dorotockeys Ln, Old Tappan, NJ 07675
  • /24

    $265,000

    • 2 Beds
    • 1 Bath

    2335 Hudson Terrace Unit D10, Fort Lee, NJ 07024

    Welcome to Residence D10 at 2335 Hudson Terrace. Located on the 4th floor, this east facing, bright and freshly painted 2 bed co-op offers wood floors, updated kitchen, and wonderful natural light. The low maintenance of $771.76 includes property taxes, heat, water, hot water, and one outdoor parking space. Ideal for commuters with the NYC bus stop just in front of the complex. Hudson Terrace is

    Fatima Bulur The Chen Agency

    2335 Hudson Terrace Unit D10, Fort Lee, NJ 07024
  • /22

    $450,000

    • 1 Bed
    • 1 Bath

    317 Ellery Ct, Edgewater, NJ 07020

    (Contact MARK FOISEY JR, 2 0 1 - 5 8 2 - 8 8 0 0) - INDEPENDENCE HARBOR - 317 Ellery Court - This 742-SF 1 Bedroom condo provides a pristine move-in experience. Your new Edgewater retreat features wood floors in the living & dining room, new carpet in the bedroom, upgraded open-plan kitchen, a custom fitted walk-in closet and extensive recessed LED lighting. A tree-top balcony off of the bedroom

    Mark Foisey The Chen Agency - Weehawken

    317 Ellery Ct, Edgewater, NJ 07020
  • /50

    $799,000

    • 5 Beds
    • 4 Baths

    136 Glenwood Ave, Leonia, NJ 07605

    Charming Colonial, Reminiscent of Early Revival Style Homes, with American Foursquare Influence.. Featuring a Large Light-Filled Enclosed and Heated Front Porch with Three Large Picture Windows and a Window-Framed Exterior Door.. The Entrance Foyer Opens to an Intimate Living Room with a Wood Burning Fireplace and a Large Formal Dining Room, Both with Nine-Foot Ceilings and Hardwood Floors.. The

    Edward Bueti Coldwell Banker, Hillsdale

    136 Glenwood Ave, Leonia, NJ 07605
  • /50

    $639,888

    • 3 Beds
    • 2.5 Baths

    64 Manner Ave, Garfield, NJ 07026

    Experience the enchanting charm of 64 Manner Ave, a stunning Colonial residence located in Garfield, NJ. This exceptional home seamlessly blends timeless elegance with modern custom features, offering over 2,100 square feet of pure living delight. Enter through a grand foyer that leads to a spacious living room, complete with a beautifully restored decorative fireplace. Adjacent to this space is

    Francesco Mazzaferro CHRISTIE'S INTERNATIONAL REAL ESTATE GROUP

    64 Manner Ave, Garfield, NJ 07026
  • /17

    $154,900 Open Sat 12PM - 3PM

    • 2 Beds
    • 2 Baths

    15 Spruce St, Moonachie, NJ 07074

    Welcome to this beautifully renovated mobile home, offering a bright and spacious living environment. This property features 2 well-appointed bedrooms, 2 modern bathroom with ONE Jacuzzi in bathroom and an abundance of natural light throughout. Enjoy comfortable living in this thoughtfully designed place, perfect for relaxation and living. This is one of the few mobile homes that comes with

    Jholdy Cabrera PREMIER HOMES

    15 Spruce St, Moonachie, NJ 07074
  • /28

    $439,000 Open Sun 1PM - 3PM

    • 1 Bed
    • 1.5 Baths

    2404 Rio Vista Dr, Mahwah, NJ 07430

    Beautifully decorated, this pristine condo offers a bright & open floor plan with breathtaking views of the picturesque gardens. One floor living in an elevator building, the community offers many amenities including pool, tennis, playground, exercise room and plush gardens with fountain- the perfect serene retreat. Living room, dining area and kitchen create a great gathering space for

    Carolee Chirico Keller Williams Valley Realty

    2404 Rio Vista Dr, Mahwah, NJ 07430
  • /35

    $748,000

    • 3 Beds
    • 3 Baths

    307 Thornton Ct Unit 307, Edgewater, NJ 07020

    (Contact NELSON CHEN, 2 0 1 - 8 8 6 - 8 0 0 0) - Welcome to 307 Thornton Court at INDEPENDENCE HARBOR. This is one of the very rare duplex style units in the community with three true bedrooms and three full baths spanning 1769-SF. Located in the best southern location that provides glorious sunlight, this home has its own private courtyard entry, a private terrace, soaring ceiling heights and a

    Nelson Chen The Chen Agency

    307 Thornton Ct Unit 307, Edgewater, NJ 07020
  • /50

    $950,000

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

    120 Chestnut St, Rutherford, NJ 07070

    This newer Rutherford townhouse, built in 2007, feels and looks like new construction with approximately 2,300 sqft of living space across 4 levels. Ideally located just one block off Park Ave, it's peaceful yet steps from downtown dining, shops, and NYC transit options including train and bus. The ground floor offers an office, family room, half bath, and access to the garage. The main level

    MICHAEL KOWALSKI REDFIN CORPORATION

    120 Chestnut St, Rutherford, NJ 07070
  • /29

    $599,000 Open Sat 1PM - 3PM

    • 4 Beds
    • 1.5 Baths

    97 Willow St, Elmwood Park, NJ 07407

    Welcome to 97 Willow Street, perfectly situated on the Elmwood Park and Fair Lawn border in Bergen County! This expanded Cape offers 4 bedrooms and 1.5 bathrooms with a welcoming open-concept layout. The first floor features a bright living room, dining area, kitchen, and a cozy additional sitting space, along with a convenient half bath that leads to a spacious, fenced backyard perfect for

    MAHMOUD IJBARA GILD REALTY

    97 Willow St, Elmwood Park, NJ 07407
  • /35

    $1,150,000

    • 4 Beds
    • 2 Baths

    345 Roff Ave, Palisades Park, NJ 07650

    Dona€TMt miss this clean, well-maintained Cape Cod perfect for extended family living! Featuring 4 bedrooms, 2 full baths, all-tile flooring, and central air throughout. The main floor offers a bright kitchen, living room, dining room, two bedrooms, and a full bath with tub/shower combo. Upstairs includes a third bedroom and a large walk-in attic for extra storage. The walk-out basement is ideal

    Donnamarie Giaccio Giaccio Signature Properties, LLC

    345 Roff Ave, Palisades Park, NJ 07650
  • /37

    $1,435,000 Open Sat 12PM - 2PM

    • 4 Beds
    • 4.5 Baths

    15 Tanglewood Hollow Rd, Upper Saddle River, NJ 07458

    Situated on a quiet double cul-de-sac, this 12 year young custom colonial offers the perfect blend of classic elegance & modern comfort. Featuring an open floor plan, soaring ceilings, & abundant natural light, perfect for entertaining. The main level features a spacious entry foyer, formal living & dining rooms, a dramatic 2-story great room w/ French doors opening to a Trex style deck & deep

    Diane Cookson Compass New Jersey, LLC-Ridgewood

    15 Tanglewood Hollow Rd, Upper Saddle River, NJ 07458
  • /25

    $659,000 Open Sun 11AM - 1PM

    • 3 Beds
    • 3 Baths

    388 Hickory St, Teaneck, NJ 07666

    Comfort and convenience abound in this charming colonial in Teaneck. Three Bedrooms, Three Full Bathrooms, Close to parks, shopping and places of worship. Open Concept living room with wood-burning fireplace, dining room with sliding doors to private deck. Modern updated kitchen with quartz countertops, stainless steel appliances including LG smart convection microwave with air fryer. Kitchen has

    Nicholas Volpe Russo Real Estate

    388 Hickory St, Teaneck, NJ 07666
  • /28

    $699,000 Open Sat 12PM - 3PM

    • 3 Beds
    • 2 Baths

    256 Stevens Ct, New Milford, NJ 07646

    Tucked away on a peaceful cul-de-sac and backing up to the tranquil Hirshfield Brook, this beautifully renovated Ranch-style Home offers the perfect blend of style, comfort and nature. With picturesque views and a serene atmosphere, this home is truly a special retreat. Step inside to a thoughtfully designed open floor plan, ideal for both everyday living and entertaining. Tasteful finishes and

    Mary Ann DeAlto Weichert Realtors, Ridgewood

    256 Stevens Ct, New Milford, NJ 07646
  • /41

    $1,999,888 Open Sun 1PM - 3PM

    • 4 Beds
    • 5 Baths

    83 Chestnut Ridge Rd, Saddle River, NJ 07458

    Welcome to this beautifully appointed Saddle River residence, set on a picturesque one acre, tree lined street. This 4 bedroom, 3 full and 2 half bath home blends elegance and comfort with generous living spaces. The first floor boasts 9a€TM ceilings and a formal foyer that opens to a grand dining room, a formal sitting room, and a spacious family room with fireplace, custom built ins, and large

    Christian Di Stasio Prominent Properties Sotheby's International Realty-Tenafly

    83 Chestnut Ridge Rd, Saddle River, NJ 07458
  • /39

    $1,093,000

    • 6 Beds
    • 5 Baths

    533 1st St, Carlstadt, NJ 07072

    Discover the perfect blend of comfort and convenience in this well-maintained two-family homea€”ideal for both investors and owner-occupants. With low taxes and a highly desirable location, this property is a rare find. Each unit offers a spacious layout with 3 bedrooms, living room, dining room, eat-in kitchen, 1 full bath, and 1 half bath. The first-floor living room features a cozy gas

    Katarzyna Iwinski Coccia Realty Better Homes & Gardens-Rutherford

    533 1st St, Carlstadt, NJ 07072
  • /25

    $749,000 Open Sat 1PM - 4PM

    • 3 Beds
    • 1 Bath

    382 S Pleasant Ave, Ridgewood, NJ 07450

    Opportunity knocks! This charming ranch style home features three comfortably sized bedrooms, a spacious sun filled living room, dining room and eat-in kitchen overlooking large bluestone patio perfect for entertaining outdoors. Unfinished lower level offers a fresh pallet ideal for creating your own custom living space. Located on a beautiful tree-lined street, this lovely home is allows for

    Joan Marie Monton Coldwell Banker, Ridgewood

    382 S Pleasant Ave, Ridgewood, NJ 07450
  • /27

    $1,975,000

    • 4 Beds
    • 5 Baths

    48 S Woodland St, Englewood, NJ 07631

    Picture perfect cottage style home on the prestigious East Hill of Englewood. Immaculately maintained, with manicured gardens, large living room and family room, and beautiful detail throughout. Lower level offers wonderful home office with two workstations and walk out to driveway. Wonderful opportunity to live in this prestigious neighborhood!

    Frances Aaron Prominent Properties Sotheby's International Realty-Tenafly

    48 S Woodland St, Englewood, NJ 07631
  • /41

    $999,999 Open Sat 1PM - 3PM

    • 4 Beds
    • 2.5 Baths

    208 Birchwood Rd, Old Tappan, NJ 07675

    Welcome to this bright, beautiful & expanded 4 BR, 2.5 Bath home on a premier street in prestigious Old Tappan. The open concept design features a welcoming EF; spacious family room w/fireplace, new floor and sliding glass door to private yard; .5 bath; 4th Bedroom/Office with new floor; Laundry/Mudroom; living room; dining room; expanded kitchen with custom cabinets, center island w/breakfast

    Karen Leddy Coldwell Banker, Alpine/Closter

    208 Birchwood Rd, Old Tappan, NJ 07675
  • /30

    $649,000 Open Sun 10AM - 12PM

    • 4 Beds
    • 2 Baths

    324 Plaza Rd N Unit 2X, Fair Lawn, NJ 07410

    Fantastic Investment Opportunity in Fair Lawna€TMs Prestigious Radburn Section! Dona€TMt miss this solid two-family half duplex located in the highly desirable Radburn Association, where residents enjoy access to a community pools, tennis courts, four beautiful parks and much more. Each unit offers an eat-in kitchen, two spacious bedrooms, and one full bath, along with comfortable living areas

    natalia piatnitskaia Keller Williams Realty Westfield

    324 Plaza Rd N Unit 2X, Fair Lawn, NJ 07410
  • /33

    $558,000

    • 2 Beds
    • 2 Baths

    300 Gorge Rd Unit 37, Cliffside Park, NJ 07010

    Contact Yuliya at 201-341-7777 to schedule your tour... Welcome to 'CLIFF HOUSE', a Mediterranean villa inspired townhome community on the Hudson River Palisades! Rarely available, 'The Hudson' floorplan is offering 2-Bedroom, 2Bths, terrace, patio and an attached 2-car garage Generously sized two-level townhome provides 1,849-SF of living space with a bedroom on each floor. Living room with a

    Yuliya Shinkorenko The Chen Agency

    300 Gorge Rd Unit 37, Cliffside Park, NJ 07010
  • /50

    $1,250,000 Open Sun 12PM - 3PM

    • 4 Beds
    • 2.5 Baths

    156 Deer Trail N, Ramsey, NJ 07446

    Beautifully Updated Contemporary Colonial in Prime Ramsey Location! Move right into this stunning 4 bedroom, 2.5 bathroom residence set in ultra-desirable Ramsey. The home offers a fabulous layout. Enter into the spacious formal living room and continue along to the dining room. Gourmet kitchen features granite countertops, white cabinetry, and a breakfast bar, opening to a fabulous great room

    Taylor Lucyk Christie's International Real Estate Group-Paramus

    156 Deer Trail N, Ramsey, NJ 07446
  • /46

    $799,000 Open Sat 1PM - 3PM

    • 3 Beds
    • 2.5 Baths

    48 Meadowview Ct, Leonia, NJ 07605

    Stunning Fully Renovated 3-Bedroom, 2.5-Bathroom Town House! This beautiful home has been completely renovated, including the entire interior, air conditioning, and heating system. Featuring modern finishes and upgraded systems throughout, it offers both comfort and style. Located in Leonia with convenient transportation and excellent schools. As you enter the home, to the left youa€TMll find a

    Jee Mee Lim RE/MAX NOW - Palisades Park

    48 Meadowview Ct, Leonia, NJ 07605
  • /20

    $329,000

    • 1 Bed
    • 1 Bath

    100 E Palisade Ave Unit C14, Englewood, NJ 07631

    Old charm and modern European renovations blend in this 1br/1bth condo at desirable Dwight Manor complex in the heart of Englewood. Great East Englewood location close to NYC transportation and downtown district with shops, restaurants and Bergen PAC Theater. Entrance foyer welcomes you to this completely renovated move in ready apartment. Spacious, bright living room with wood burning fireplace,

    Zoya Shaposhnik ZSR Realty Corp

    100 E Palisade Ave Unit C14, Englewood, NJ 07631
  • /15

    $285,000

    • 1 Bath

    18 Massa Ln Unit C8, Edgewater, NJ 07020

    Spacious Studio with loft bedroom area, laundry in unit, all appliances included...Lovely quiet condo association...Views of NYC skyline...close to everything. Indoor parking included

    Peter Szwed Christie's International Real Estate Group-Franklin Lakes

    18 Massa Ln Unit C8, Edgewater, NJ 07020

Showing Results 241 - 280, Page 7 of 18

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