893

Homes for Sale near Memorial Middle School

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  • /27

    $1,799,000

    • 5 Beds
    • 3.5 Baths

    17 Brentwood Dr, Caldwell, NJ 07006

    BRILLIANT UPGRADES AT BREATHTAKING 17 BRENTWOOD! Welcome to this 5 Bedroom, 3.1 Bath open-concept home that amazes with soaring vaulted ceilings, sweeping sunny spaces, sleek hardwood floors, and high-end finishes throughout! Enticing Entry Foyer takes you through to spectacular sunken Living Room with stately stone fireplace and 2 glass sliders leading to massive deck, providing indoor/outdoor

    Scott Shuman KELLER WILLIAMS REALTY

    17 Brentwood Dr, Caldwell, NJ 07006
  • /21

    $599,000

    • 3 Beds
    • 1.5 Baths

    117 Crestwood Ave, Nutley, NJ 07110

    Welcome to this fully renovated 3-bedroom colonial located in a desirable Nutley neighborhood on a spacious 6,000 sq ft lot. Home is move in ready with an open floor plan with freshly refinished floors on both levels, and a stunning kitchen with new quartz countertops. Features include a brand-new half bath, fully renovated upstairs bath with walk-in shower, custom closet, new central air (2

    ASLI BATUR UNITED REAL ESTATE

    117 Crestwood Ave, Nutley, NJ 07110
  • /45

    $699,900

    • 4 Beds
    • 3 Baths

    94 Cedar St, Cedar Grove, NJ 07009

    Sprawling backyard; your oasis is here. This beautifully maintained Colonial offers the perfect blend of comfort and style. This home has been thoughtfully updated, with all new flooring throughout the second floor and basement, enhancing its inviting atmosphere. The home exudes charm and character, with a stunning wood-burning fireplace as the living room's centerpiece, adding warmth and

    Lisa Tomasella BHHS VAN DER WENDE PROPERTIES

    94 Cedar St, Cedar Grove, NJ 07009
  • /28

    $687,000

    • 2 Beds
    • 2.5 Baths
    • 2,000 Sq Ft

    309 Winthrop Dr, Nutley, NJ 07110

    Welcome to this beautifully maintained townhouse in the desirable Cambridge Heights community. This spacious home features 2 bedrooms 2.5 bathrooms, and a versatile bonus room perfect for a home office, gym, or guest space. Beautiful hardwood floors, 2 gas fireplaces & NEW central AC/Heating system. The kitchen offers granite countertops & stainless steel appliances. Spacious Master Suite with

    Maria Ventoso KELLER WILLIAMS VILLAGE SQUARE

    309 Winthrop Dr, Nutley, NJ 07110
  • /28

    $749,000

    • 4 Beds
    • 2.5 Baths
    • 1,995 Sq Ft

    131 Horseneck Rd, Fairfield, NJ 07004

    Beautifully maintained and move-in ready home that offers both comfort and value. The Spacious kitchen offers stainless steel appliances and granite countertops.The property boasts a durable hard coat stucco and cultured stone exterior, along with hardwood and tile floors throughout for timeless elegance and durability. The updated kitchen and bathrooms feature classic designs that will stand the

    FRANK GUARDABASCIO 3RD CENTURY 21 THE CROSSING

    131 Horseneck Rd, Fairfield, NJ 07004
  • /24

    $599,000

    • 4 Beds
    • 2 Baths

    17 Wood St, Little Falls, NJ 07424

    Charming All-Brick Home with Endless Potential " 4 Bed, 2 Bath + Finished Basement & 2-Car GarageDiscover the perfect blend of classic charm and future potential in this well-maintained all-brick home. Offering 4 spacious bedrooms and 2 full bathrooms, this property is ideal for first-time buyers, investors, or anyone looking to add their personal touch.Freshly cleaned carpets and a new coat of

    Justin Viterito KELLER WILLIAMS PROSPERITY REALTY

    17 Wood St, Little Falls, NJ 07424
  • /35

    $599,900

    • 3 Beds
    • 1.5 Baths
    • 1,669 Sq Ft

    37 Johnson Ave, Bloomfield, NJ 07003

    Step into timeless charm with this inviting 3-bedroom, 1.5-bath Colonial nestled on a quiet street in Bloomfield—recently named one of the Up-and-Coming Towns by a leading lifestyle magazine! Built in 1926, this home blends character with convenience and features an enclosed front porch perfect for morning coffee or evening relaxation.Inside, you'll find an eat-in kitchen with sliding doors that

    Christopher Waddell Keller Williams Realty Spring Lake

    37 Johnson Ave, Bloomfield, NJ 07003
  • /36

    $1,225,000

    • 4 Beds
    • 4 Baths

    28 Lincoln St, Glen Ridge, NJ 07028

    This classic Glen Ridge Colonial offers timeless charm, generous living spaces, and modern updates in a highly sought-after location. With large bedrooms, a finished basement, and the potential to finish the third floor, this home provides ample room to grow and customize. Inside, you'll find a warm and inviting atmosphere, rich hardwood floors, elegant moldings, and a traditional layout that

    ROBIN SEIDON WEST OF HUDSON REAL ESTATE

    28 Lincoln St, Glen Ridge, NJ 07028
  • /50

    $915,000

    • 3 Beds
    • 2.5 Baths

    69 Glen Rock Rd Unit 36, Cedar Grove, NJ 07009

    This updated colonial home in Reservoir Ridge is a true paradise! It offers 3 bedrooms and 3 renovated bathrooms. Situated on a premium corner lot, it provides privacy and stunning natural surroundings. Enjoy reservoir views and vibrant sunsets from the deck-perfect for entertaining. The grand 2-story foyer leads to a family room that opens into an eat-in kitchen with a door leading to the deck,

    Kristen Cook Keller Williams Team Realty

    69 Glen Rock Rd Unit 36, Cedar Grove, NJ 07009
  • /48

    $915,000

    • 3 Beds
    • 2.5 Baths

    69 Glen Rock Rd, Cedar Grove, NJ 07009

    This updated colonial-style home in Reservoir Ridge is a true paradise! It offers 3 bedrooms and 3 FULLY renovated bathrooms. Situated on a premium corner lot, it provides privacy and stunning natural surroundings. Enjoy Reservoir views and vibrant sunsets from the deck-perfect for entertaining. The grand 2-story foyer leads to a family room that opens into an eat-in kitchen with a door leading

    Kristen Cook KELLER WILLIAMS TEAM REALTY

    69 Glen Rock Rd, Cedar Grove, NJ 07009
  • /42

    $1,175,000

    • 4 Beds
    • 3.5 Baths
    • 3,536 Sq Ft

    18 Danielle Dr, Wayne, NJ 07470

    Tucked at the end of a quiet cul-de-sac, this beautifully cared-for Colonial offers timeless design, a peaceful setting, and a series of thoughtful updates that enhance both comfort and function. A dramatic two-story entry opens to a light-filled great room with palladian windows, soaring ceilings, a wood-burning fireplace, and wet bar. The kitchen leads directly to a Trex deck and a

    BRIAN HAYDON PROMINENT PROPERTIES SIR

    18 Danielle Dr, Wayne, NJ 07470
  • /38

    $850,000

    • 3 Beds
    • 4 Baths

    526 Highland Ave, Montclair, NJ 07043

    Welcome to this stunning and cozy Colonial nestled in the heart of Upper Montclair just three blocks from the train station offering direct access to NYC. This beautifully maintained home blends classic charm with modern updates, offering comfort, space, and exceptional convenience. Step into the inviting enclosed front porch, perfect for summer days and showcasing sweeping views of the New York

    Romina Scandroglio KELLER WILLIAMS METROPOLITAN

    526 Highland Ave, Montclair, NJ 07043
  • /22

    $239,000

    • 1 Bed
    • 1 Bath

    45 Park Ave Unit 23, Bloomfield, NJ 07003

    Beautifully updated, freshly painted cozy 1 Bedroom 1 Bath Condo in a well-maintained Pre-War Building with Elevator for convenience. Located on the second floor, this unit has hardwood floors, updated kitchen and tons of natural sunlight. This building features onsite laundry facilities, dedicated storage unit in basement, and is conveniently located close to Glen Ridge Train Station with an

    LICELIA FIGUEIRAS COLDWELL BANKER REALTY

    45 Park Ave Unit 23, Bloomfield, NJ 07003
  • /43

    $1,790,000 Open Sat 2PM - 4PM

    • 4 Beds
    • 3.5 Baths

    660 Ridgewood Ave, Montclair, NJ 07043

    Beautifully renovated and expanded, this modern custom farmhouse offers approx. 2,700 sq ft of sophisticated living space, ideally located on a quiet Montclair cul-de-sac with Brookdale Park just steps away. There you can enjoy pickleball, tennis, playgrounds, and summer concerts right outside your door. Designed with high-end finishes and an open, airy layout, the home features a stunning chef's

    MARK DIBENEDETTO KELLER WILLIAMS - NJ METRO GROUP

    660 Ridgewood Ave, Montclair, NJ 07043
  • /21

    $599,999

    • 3 Beds
    • 2 Baths

    422 Trenton Ave Unit 424, Paterson, NJ 07503

    Perfect property for Investors and contractors, PROPERTY SOLD AS IS. Renovation needed- CASH BUYERS or 203k Loans! Investment opportunities located in the desired Hillcrest Section of Paterson, bordering Clifton. This home has so much potential, you just a little vision! Featuring 3 floors of living. Upstairs 3 large size bedrooms and full bath, plus attic & basement. The property has a large

    Odalys Ibarra COLDWELL BANKER REALTY

    422 Trenton Ave Unit 424, Paterson, NJ 07503
  • /28

    $1,499,000

    • 6 Beds
    • 3.5 Baths

    4 Harrison Ave, Montclair, NJ 07042

    Set on over half an acre of lush, landscaped grounds, this stunning Craftsman Colonial offers timeless charm in the heart of vibrant downtown Montclair, directly overlooking picturesque Porter Park. Thoughtfully updated and lovingly maintained, the home blends classic architectural details with modern comfort. It features 6 spacious bedrooms, 3.5 baths, and bright, airy rooms that flow

    Sam Joseph PROMINENT PROPERTIES SIR

    4 Harrison Ave, Montclair, NJ 07042
  • /13

    $429,900

    • 4 Beds
    • 2 Baths

    205 Maryland Ave Unit 207, Paterson, NJ 07503

    PROPERTY BEING SOLD IN AS-IS CONDITION / Welcome to this charming all-brick house on a 50 x 150 lot in the desirable Lakeview section of Paterson. Bright and airy layout offers 7-room gem offers 4 spacious bedrooms, hardwood floors throughout. 2 full baths, and a fully finished basement with wood burning stove perfect for extra living space or entertaining. Gorgeous park-like backyard ideal

    Nancy Pavic CASA REAL PROP. KELLER WILLIAMS

    205 Maryland Ave Unit 207, Paterson, NJ 07503
  • /38

    $749,000

    • 3 Beds
    • 3.5 Baths

    465 Brook Ave, Passaic, NJ 07055

    Welcome to 465 Brook, a move-in ready home offering space, comfort, and convenience. The first floor features a bright living room, formal dining room, a spacious eat-in kitchen, and a convenient half bath. Upstairs, you'll find three generously sized bedrooms, including a primary suite with its own private bathroom, plus an additional full bath. The finished basement adds even more flexibility

    Miriam Lebovits DWELL REALTY

    465 Brook Ave, Passaic, NJ 07055
  • /49

    $1,049,000 Open Sun 1PM - 3PM

    • 5 Beds
    • 3 Baths

    9 Warman St, Montclair, NJ 07042

    Welcome to 9 Warman Street a fully renovated two-family home located on a quiet dead-end street in the heart of Montclair. This turnkey property offers two separate units, each with private entrances, brand-new kitchens and bathrooms, in-unit laundry, and separate utilities. The first-floor unit features 2 bedrooms, 1 bathroom, and an open-concept living/dining space. The upper unit spans two

    William K. Halick HOMESMART FIRST ADVANTAGE

    9 Warman St, Montclair, NJ 07042
  • /32

    $999,900

    • 3 Beds
    • 2.5 Baths

    2 Stone Ridge Ct Unit 109, Little Falls, NJ 07424

    Welcome to this stunning Colonial home located in the desirable community of Reservoir Ridge. You are greeted by a grand foyer with soaring high ceilings & a magnificent center staircase that immediately sets the tone for the luxury & elegance throughout. The formal DR & LR perfect for entertaining & hosting guests. The heart of the home is the expansive, fully white kitchen, complete with an

    Lisa Tomasella BHHS VAN DER WENDE PROPERTIES

    2 Stone Ridge Ct Unit 109, Little Falls, NJ 07424
  • /23

    $499,000

    • 3 Beds
    • 2 Baths

    264 E 4th St, Clifton, NJ 07011

    Welcome home! This beautiful 3 BR 2BA Colonial will be sure to impress. Pride of ownership is evident from the moment you drive up, as the professional landscape provides great curb appeal. Upon entering you are welcomed by a bright and spacious sunroom with 3 closets for plenty of storage. Also on the first level is the living room, which flows into a sunlit dining room, both rooms featuring

    Dilcia White REAL

    264 E 4th St, Clifton, NJ 07011
  • /50

    $999,000 Open Sun 1PM - 4PM

    • 3 Beds
    • 2.5 Baths

    31 Chestnut Ct Unit 16, Cedar Grove, NJ 07009

    Very Special Home! Shows Better Than a Model Home! Grand 2-Story Entry Foyer! Entire Kitchen Totally Renovated! New Custom, Gourmet Kitchen! Gorgeous Quartz Counter Tops with Waterfall! High End Luxury Appliances! Center Island with Built in Microwave! Custom Cabinets! Soft Closing Doors + Drawers! All High-End Stainless-Steel Appliances! Coffee Station + So Much More! Pot Filler Above Stove!

    Ray Albanese RE/MAX WEST

    31 Chestnut Ct Unit 16, Cedar Grove, NJ 07009
  • /31

    $719,900

    • 5 Beds
    • 4 Baths

    10 Addison Dr, Fairfield, NJ 07004

    Welcome to this stunning custom home, offering the perfect blend of luxury, comfort, and functionality. Featuring 5 spacious bedrooms and 4 full bathrooms, this home includes 2 bedrooms with en suite baths. The gourmet kitchen boasts stainless appliances, granite countertops, and flows seamlessly into the inviting family room with a cozy gas fireplace.. Enjoy year-round comfort with central air

    Vito Contuzzi CENTURY 21 THE CROSSING

    10 Addison Dr, Fairfield, NJ 07004
  • /35

    $1,098,000

    • 4 Beds
    • 3.5 Baths

    1 Greenbriar Rd, Little Falls, NJ 07424

    BRIGHT. BOLD. BREATHTAKING — A MAJESTIC COLONIAL LIKE NO OTHER! Step into a home where luxury meets lifestyle. This stunning property is packed with high-end upgrades, designer finishes, and top-of-the-line fixtures throughout. The gourmet eat-in kitchen is a chefâ€s dream, featuring premium appliances, a sun-filled breakfast nook, and a cozy sitting area that opens directly to the deck and

    Liudmila Santiesteban Howard Hanna Rand Realty, Englewood Cliffs

    1 Greenbriar Rd, Little Falls, NJ 07424
  • /28

    $925,000 Open Sun 1PM - 4PM

    • 5 Beds
    • 4 Baths

    34 Brian Rd, West Caldwell, NJ 07006

    Large colonial with two bedrooms and full bath on main level with Kitchen that open into Family room with two skylights, sliders to large covered deck 15x24 with fan/light plus another 15x24 floating deck, Park like very large backyard property is 100 x156. Bay windows in Living and Dining rooms with hardwood floors. Ceiling fans in almost all rooms. Second floor has very large Master bedroom

    Punam Bhargava BHHS FOX & ROACH

    34 Brian Rd, West Caldwell, NJ 07006
  • /23

    $515,000

    • 3 Beds
    • 1.5 Baths

    44 Virginia Ave, West Orange, NJ 07052

    This timeless side hall colonial exudes charm & warmth. The welcoming enclosed front porch, leads to a formal living room, family/sunroom, eat-in kitchen with a new stainless steel fridge & formal dining room with sliding door to a fully fenced backyard, newer deck and patio. The second floor has three bedrooms and bath and there is a semi-finished & insulated bonus room on the 3rd floor perfect

    Gloria Falzer VILLAGE SQUARE REALTORS

    44 Virginia Ave, West Orange, NJ 07052
  • /36

    $728,000 Open Sat 12PM - 3PM

    • 2 Beds
    • 3.5 Baths

    3 Congressional Ln, Totowa, NJ 07512

    Rare opportunity in Hickory Hills! This spacious Townhome features 2 bedrooms + loft(can be converted to a proper 3rd bedroom), 3.5 baths, and approx. 2,450 sq. ft. of luxury living across two levels, plus an 850 sq. ft. walk-out basement with full bath. Enjoy an open floor plan with hardwood floors, a gourmet eat-in kitchen with granite countertops, stainless steel appliances, and a cozy gas

    FARHAN YOUSUFI KELLER WILLIAMS CITY VIEWS REALTY

    3 Congressional Ln, Totowa, NJ 07512
  • /35

    $728,000 Open Sat 12PM - 3PM

    • 2 Beds
    • 3.5 Baths

    3 Congressional Ln Unit 1305, Totowa, NJ 07512

    Rare opportunity in Hickory Hills! This spacious Townhome features 2 bedrooms + loft(can be converted to a proper 3rd bedroom), 3.5 baths, and approx. 2,450 sq. ft. of luxury living across two levels, plus an 850 sq. ft. walk-out basement with full bath. Enjoy an open floor plan with hardwood floors, a gourmet eat-in kitchen with granite countertops, stainless steel appliances, and a cozy gas

    Farhan Yousufi Keller Williams City Views Realty

    3 Congressional Ln Unit 1305, Totowa, NJ 07512
  • /33

    $495,000

    • 3 Beds
    • 2 Baths

    45 Harrington Rd, Clifton, NJ 07012

    OPEN HOUSE SATURDAY 1:00 TO 3:00 PM 04/26/2025 AND SUNDAY FROM 1:00 TO 3:00 PM 04/27/2025

    JUAN FALCON Weichert Realtors, Fort Lee

    45 Harrington Rd, Clifton, NJ 07012
  • /50

    $1,275,000

    • 5 Beds
    • 3.5 Baths

    20 Windridge Dr, Caldwell, NJ 07006

    Welcome home to this charming North Caldwell Colonial with a two-car width driveway, paver block walkway, and covered double-door entry. The foyer features tile floors and two deep coat closets. This true center hall is flanked by a dining room and a formal living room, both with wood floors. French doors from the living room open to a family room complete with custom built-in shelving, a

    MARIA RAMPINELLI PROMINENT PROPERTIES SIR

    20 Windridge Dr, Caldwell, NJ 07006
  • /40

    $1,250,000

    • 5 Beds
    • 2.5 Baths
    • 2,609 Sq Ft

    12 Ellis Rd, West Caldwell, NJ 07006

    Get ready to be captivated by the exquisite renovations and exceptional design of this spacious, ideally located West Caldwell home.Step inside & be welcomed by a stunning family room on the ground floor, featuring sliders that open to a beautiful patio where you'll fall in love with the charming gazebo & fully fenced yard. This level also offers a bedroom, perfect for an in-law suite, or home

    Pamella Feixas RE/MAX SELECT

    12 Ellis Rd, West Caldwell, NJ 07006
  • /11

    $189,500

    • 1 Bath

    605 Grove St Unit 8, Clifton, NJ 07013

    Welcome to Clifton! This charming studio unit in the desirable Montclair Heights offers serene courtyard views, a kitchen with ample cabinet space, a well-appointed bath, and plenty of storage throughout. The open layout integrates living, dining, and sleeping areas seamlessly. The well-maintained complex includes on-site laundry facilities and a dedicated storage unit. Common parking space.

    NIKKI PIAZZA EXP REALTY, LLC

    605 Grove St Unit 8, Clifton, NJ 07013
  • /27

    $799,000

    • 5 Beds
    • 3.5 Baths

    167 Rolling Hills Rd, Clifton, NJ 07013

    Expanded Split-Level home in the desirable Montclair Heights neighborhood! Conveniently located near Upper Montclair, downtown Montclair, NY transportation, highways, and schools. The enlarged main level features two spacious first-floor bedrooms, a renovated full bath, a bright living room with bay window is open to the dining area ideal for entertaining and a beautifully updated eat-in kitchen

    Pina Nazario COLDWELL BANKER REALTY

    167 Rolling Hills Rd, Clifton, NJ 07013
  • /30

    $699,000

    • 3 Beds
    • 3.5 Baths
    • 2,100 Sq Ft

    404 Abbe Rd, Little Falls Township, NJ 07424

    Welcome home to this exquisite 3BR, 3.5BA brick-front townhouse, perfectly situated in one of Little Falls' most desirable neighborhoods. Modern style meets tranquil living in this thoughtfully designed home that impresses on all three floors. The ground floor features an attached garage, full bath, and versatile bedroom, which is ideal for a home office, gym, guest room, or multi-generational

    ANDREW CORCIONE BHHS FOX & ROACH

    404 Abbe Rd, Little Falls Township, NJ 07424
  • /36

    $775,000

    • 3 Beds
    • 1.5 Baths

    115 Hillside Ave, West Caldwell, NJ 07006

    Discover the perfect blend of classic charm and modern upgrades in this stunning colonial home, ideally situated on a coveted cul-de-sac in West Caldwell. Bathed in natural light, this classic home features 3 BR, 1.5 beautifully updated baths, gorgeous wood floors, a Fireplace and more. The heart of the home is the brand new kitchen, which boasts stainless steel appliances, stylish marble

    Kevin Kinney COMPASS NEW JERSEY LLC

    115 Hillside Ave, West Caldwell, NJ 07006
  • /24

    $850,000

    • 3 Beds
    • 3 Baths
    • 2,917 Sq Ft

    78 Weinmanns Blvd, Wayne, NJ 07470

    Welcome to this charming brick ranch nestled on a spacious 1/2 acre corner lot in the Valley section of Wayne! This beautifully maintained 3 bedroom, 3 bathroom home offers a spacious & bright open floor plan with upgrades and tons of storage throughout. The living/dining area features vaulted ceilings and a beautiful wood-burning stone fireplace, creating a warm, yet open atmosphere. The newly

    SOCRATES OLIVERO COLDWELL BANKER REALTY

    78 Weinmanns Blvd, Wayne, NJ 07470
  • /47

    $729,000

    • 4 Beds
    • 1 Bath

    41 Forest St, Montclair, NJ 07042

    Welcome Home in the Heart of Montclair! Step onto the inviting front porch and into a home that exudes timeless charm and character. This classic side-hall Victorian boasts high ceilings, stunning original parquet and ribbon-inlay hardwood floors, elegant pocket doors, and oversized windows that fill the space with natural light. The sun-drenched living room flows effortlessly into a formal

    CANDI SCHWARTZ PROMINENT PROPERTIES SIR

    41 Forest St, Montclair, NJ 07042
  • /45

    $2,950,000

    • 7 Beds
    • 7 Baths

    372 Upper Mountain Ave, Montclair, NJ 07043

    This is the very best of Montclair living. Built in 1897, this spacious home has been meticulously updated, preserving the detail of its original design while customizing it to suit today's modern living. Filled with light, the 1st floor features 4 gas fireplaces in the LR, DR, kitchen and family room. The massive kitchen features a Wolf gas range, 10' quartz island, 2 sinks, 2 dishwashers,

    Tracy Nix Prominent Properties Sotheby's International Realty-Montclair

    372 Upper Mountain Ave, Montclair, NJ 07043
  • /23

    $639,000

    • 3 Beds
    • 2 Baths

    14 Lynn Place, Little Falls, NJ 07424

    This stunningly renovated 3-bedroom, 2-bathroom home is a perfect blend of modern elegance and everyday comfort. With every detail thoughtfully updated, including brand-new finishes and top-of-the-line appliances, this home offers a fresh and stylish living experience from the moment you step inside.The beautifully designed open-concept kitchen is a true centerpiece, featuring sleek countertops,

    MAHMOUD IJBARA GILD REALTY

    14 Lynn Place, Little Falls, NJ 07424
  • /45

    $1,539,000 Open Sun 2PM - 4PM

    • 5 Beds
    • 3.5 Baths

    20 Hillside Ave, Glen Ridge, NJ 07028

    Exuding beauty, charm, and warmth, this distinguished 1910 Colonial is a rare gem nestled in the heart of Glen Ridge's storybook neighborhood.Thoughtfully updated to complement today's lifestyle, the home seamlessly blends original architectural details with modern sophistication. A gracious frontporch invites you to linger, perfect for warm summer evenings spent relaxing or entertaining. Step

    MARIA L. VECCHIONE WEST OF HUDSON REAL ESTATE

    20 Hillside Ave, Glen Ridge, NJ 07028

Showing Results 161 - 200, Page 5 of 14

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