1,060

Homes for Sale near Christopher Columbus Middle School

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  • /22

    $659,000 Open Sun 12PM - 2PM

    • 3 Beds
    • 3 Baths

    144 Silleck St, Clifton, NJ 07013

    Welcome home! Come see this beautiful well-maintained Single-Family Colonial style with an open first-floor layout. Spacious living and dining room with gleaming hardwood floors. Updated kitchen with stainless steel appliances, granite countertops, powder room, and laundry area. The second floor offers an oversized primary bedroom with walk-in closet and private balcony, plus a spacious second

    Madeline Guerrero CENTURY 21 A.G. REALTY GROUP

    144 Silleck St, Clifton, NJ 07013
  • /28

    $599,900

    • 3 Beds
    • 4 Baths

    222 Haledon Ave, Prospect Park, NJ 07508

    Don't miss this well-maintained mixed-use property featuring an approximately 1,300 / 1,400 sq ft commercial space on the first floor, currently operating as a dental office, featuring three built-out rooms, lab, storage rooms, 1 full bath and 2 half baths, and central air throughout. The unit will be delivered vacant ready for your own business or a new tenant. Upstairs you'll find a spacious

    Yesika Marcano

    222 Haledon Ave, Prospect Park, NJ 07508
  • /25

    $489,000

    • 4 Beds
    • 2.5 Baths

    459 E 23rd St, Paterson, NJ 07514

    Colonial with enclosed porch, living rm, din rm, eik, 1/2 bath on first floor. Second floor consists of 3 bedrooms and full bath. Walk up to the third floor and attic finished with an additional large bdrm. The basement has 2 finished additional rms, utility room, laundry area, storage and full bath. Above ground oil storage tank located in rear yard in custom shed.

    Debra Flower REALTY EXECUTIVES EXCEPTIONAL

    459 E 23rd St, Paterson, NJ 07514
  • /21

    $650,000

    • 6 Beds
    • 3 Baths

    383 Broadway, Passaic, NJ 07055

    PRIME LOCATION ON BROADWAY IN THE HEART OF PASSAIC, CONVENIENT ACCESS TO PUBLIC TRANSPORTATION, MAJOR HIGHWAYS, SHOPPING AND RESTAURANTS, A GREAT OPPORTUNITY FOR FIRST TIME BUYER OR INVESTORS.

    Oswaldo Briones ELITE REALTORS OF NEW JERSEY

    383 Broadway, Passaic, NJ 07055
  • /3

    $179,900

    • 1 Bed
    • 1 Bath

    68 Hastings Ave Unit B, Rutherford, NJ 07070

    This is a one bedroom co-op unit in Hastings Village. Located in the West End of Rutherford. Ideal for the NYC commuter with the New York Bus on the corner and only a few blocks to the train station. Just a short walk to Memorial Park!

    Cathy Vick The Agency Rutherford Realty Inc.

    68 Hastings Ave Unit B, Rutherford, NJ 07070
  • /12

    $750,000

    • 8 Beds
    • 5 Baths

    306 E 34th St Unit 314, Paterson, NJ 07504

    Welcome to this well maintained multi-unit home offering space and income potential. The main house features a living room, dining room, eat-in kitchen, 1st floor bedroom and 2 half baths. The second floor includes a primary bedroom with bath, 3 additional bedrooms and full bath. The third floor offers an extra large bedroom with ample closet space. An unfinished basement and 2 car garage provide

    FREDERICK BURKE UNICASA UNION REALTY INC

    306 E 34th St Unit 314, Paterson, NJ 07504
  • /22

    $285,000

    • 1 Bed
    • 1 Bath

    130 Orient Way Unit 4H, Rutherford, NJ 07070

    Wonderful Rutherford apartment, commuter's dream location and conveniently located to all that Rutherford has to offer. NYC bus at the corner and just a few blocks to the Main/Bergen-Port Jervis train. Shops and excellent dining also found just a few blocks away. Inside you'll find good size rooms, hardwood floors, updated kitchen with loads of storage and lots of great closet space. There is

    Michelle Korosy The Agency Rutherford Realty Inc.

    130 Orient Way Unit 4H, Rutherford, NJ 07070
  • /29

    $609,000

    • 3 Beds
    • 2 Baths

    6 Lincoln Place, East Rutherford, NJ 07073

    Investor-friendly 3-bedroom, 2-bath home in East Rutherford, just minutes from Manhattan! Features include a full basement and a larger-than-average backyard for the area, enhancing long-term rental appeal. Ideally located near major demand drivers like MetLife Stadium and American Dream, with convenient access to NJ Transit rail/bus service and Routes 3, 17, and the NJ Turnpike. A strong

    ANDRE DI STEFANO Douglas Elliman of NJ LLC

    6 Lincoln Place, East Rutherford, NJ 07073
  • /42

    $1,100,000

    365 10th Ave, Paterson, NJ 07514

    ATTENTION ALL INVESTORS!! Great opportunity Mixed-use property for sale featuring a storefront bodega and a legal three-family residential building. Property includes a 3-car garage plus additional parking for up to 6 cars. All separate utilities. Prime location ideal for business use. First and second floors each offer 2-bedroom apartments. The third apartment combined with the attic features a

    Nancy Pavic

    365 10th Ave, Paterson, NJ 07514
  • /28

    $849,999

    • 6 Beds
    • 3.5 Baths

    140 Prospect St, Hasbrouck Heights, NJ 07604

    WELCOME TO 140 PROSPECT STREET IN HASBROUCK HEIGHTS — A SPACIOUS AND VERSATILE 6 BEDROOM, 3.5 BATHROOM HOME DESIGNED FOR EXTENDED FAMILY LIVING. THIS WELL-MAINTAINED PROPERTY OFFERS THREE FULL LEVELS OF LIVING SPACE COMPLETE WITH TWO FULL KITCHENS AND TWO LAUNDRY AREAS, PROVIDING FLEXIBILITY AND COMFORT FOR MULTI-GENERATIONAL USE. BUILT IN THE 1980â€TMS, THIS HOME FEATURES CENTRAL AIR

    Rob Faussette

    140 Prospect St, Hasbrouck Heights, NJ 07604
  • /2

    $399,999

    • 5 Beds
    • 2 Baths

    54 N 4th St, Paterson, NJ 07522

    Come see this two-family home in a prime location! A great investment opportunity or perfect for owner occupancy. Unit one which is combined with the 1st floor and basement has 2 bedrooms, living room, eat in kitchen & 1 full bath. 2nd floor has 3 bedrooms duplex , eat in kitchen, living room , 1 full bath. This property features separate utilities for tenant convenience and lower owner expenses.

    TAKISHA GRESHAM REDFIN CORPORATION

    54 N 4th St, Paterson, NJ 07522
  • /35

    $370,000 Open Sun 2PM - 4PM

    • 2 Beds
    • 2 Baths

    101 Quartz Ln, Paterson, NJ 07501

    Perfect blend of urban convenience and natural serenity in this impeccably maintained 2-bedroom, 2-full-bath condo located in Paterson, NJ. Situated on the second floor, this move-in-ready home stands out for its pristine condition and thoughtful layout. The inviting living space features a cozy fireplace, perfect for chilly evenings, and flows seamlessly into the dining area. Step through the

    Rania Bibi RE/MAX Properties-Saddle River

    101 Quartz Ln, Paterson, NJ 07501
  • /16

    $515,000 Open Sun 2PM - 3PM

    • 4 Beds
    • 2 Baths

    415 Preakness Ave Unit 417, Paterson, NJ 07502

    Welcome to this well-maintained single-family home located on the desirable side of Paterson, NJ. This spacious residence offers 4 generously sized bedrooms and 2 full bathrooms, providing comfort and flexibility for today's lifestyle. The full finished basement adds valuable living space, perfect for a family room, home office, or recreation area. Enjoy a functional layout with plenty of natural

    Frank Madrid REALTY ONE GROUP PARAMOUNT

    415 Preakness Ave Unit 417, Paterson, NJ 07502
  • /48

    $1,299,000 Open Sun 1PM - 4PM

    • 5 Beds
    • 4.5 Baths

    30-13 High St Unit 1X, Fair Lawn, NJ 07410

    Welcome to this newly renovated in 2024-2026 contemporary style, 2 story with finished basement, 5 bedrooms and 4,5 bathrooms home in the highly desirable Radburn area of Fair Lawn. The Main Level Features Open Plan Concept Living room,Family room , Gourmet Kitchen, Dining RM, Spacious BDR, Full BATH and powder room. Living Rm w/ exit to new Deck & Yard. This gorgeous home features a modern style

    Lori Stein Coldwell Banker, Fort Lee

    30-13 High St Unit 1X, Fair Lawn, NJ 07410
  • /34

    $579,000

    • 2 Beds
    • 2 Baths

    2 Claridge Dr Unit 4MW, Verona, NJ 07044

    Experience refined living in this exquisite open-concept end-unit condo, filled with natural light and designed for effortless entertaining. The spacious living and dining areas feature expansive Thermopane windows and sliding doors that showcase sweeping panoramic sunset views over rolling hills and a serene, wooded landscape. Step outside to your private balcony - perfect for unwinding at day's

    Lily Chu-Constable COLDWELL BANKER REALTY

    2 Claridge Dr Unit 4MW, Verona, NJ 07044
  • /26

    $1,499,000

    • 4 Beds
    • 3.5 Baths

    207 Eileen Dr, Cedar Grove, NJ 07009

    Gorgeous, custom-built Colonial that sits at the end of a cul-de-sac in Cedar Grove's coveted Park Ridge Estate section, capturing breathtaking views and exceptional privacy. Set on a 20,973 SF lot, the home offers 4,250 sf across 10 rooms, including 4 bedrooms, 3.5 bathrooms & a finished basement. A thoughtful, flexible layout accommodates both everyday living and elegant entertaining, while

    MICHAEL N TODARO SERHANT NEW JERSEY LLC

    207 Eileen Dr, Cedar Grove, NJ 07009
  • /27

    $315,000

    • 2 Beds
    • 2 Baths

    19 Market St Unit 205, Paterson, NJ 07501

    Welcome to the Historic Cooke Mills Building! Renovated with a modern addition in 2008, this iconic structure blends rich Paterson history with contemporary comfort. Become only the second owner of this expansive 2-bedroom, 2-bath condo, featuring 15-foot ceilings, gleaming hardwood floors, a real brick backsplash and massive windows that flood the home with natural light. The open-concept

    Don Lamastra ERA/Suburb Realty Agency

    19 Market St Unit 205, Paterson, NJ 07501
  • /11

    $999,999

    • 15 Beds
    • 7 Baths

    84-88 Jefferson St, Paterson, NJ 07522

    Excellent investment opportunity with current 8% cap that can easily be brought up to 11%. There is a current property management company in place if you wish to continue with them. The property consists of 2 buildings: one with 2 two bedroom units, totally renovated 6 years with central air. The second building consists of 3 three bedroom units. 2 units renovated 6 years ago and the first floor

    JOSEPH ONEAL Keller Williams City Views Realty

    84-88 Jefferson St, Paterson, NJ 07522
  • /30

    $550,000

    • 2 Beds
    • 1.5 Baths

    174 Colfax Ave, Clifton, NJ 07013

    Charming two bedroom, one and a half bath colonial featuring a formal dining room, living room, eat-in kitchen with stainless steel appliances, an inviting sunroom, and a powder room all located on the main level, with direct access to the backyard. This beautifully maintained home offers laminate flooring throughout most of the home and a welcoming front entrance through the sunroom with french

    JESSICA COOPER EXP REALTY, LLC

    174 Colfax Ave, Clifton, NJ 07013
  • /3

    $1,190,000

    • Land
    • 2 Acres
    • $595,000 per Acre

    659 Mountain Ave, Caldwell, NJ 07006

    TWO SUBDIVIDED BUILDABLE LOTS APPROXIMATELY ONE ACRE EACH IN NORTH CALDWELL & CEDAR GROVE. SEE SITE PLAN ATTACHED. HOUSE ON ONE LOT NEEDS TO BE DEMOLISHED. PURCHASER WILL REQUIRE ARCHITECTUAL DRAWINGS WITH HOMES TO BE BUILT APPROXIMATELY 4,000 TO 5,000 SQ FT. PURCHASER TO RUN SEWER INTO CEDAR GROVE TOWNSHIP SEWER SYSTEM. PURCHASER TO DO THEIR OWN DUE DILLIGENCE.

    Anthony Michelotti FALLIVENE AGENCY INC.

    659 Mountain Ave, Caldwell, NJ 07006
  • /4

    $675,000

    • 4 Beds
    • 3 Baths

    85 Berkshire Ave, Paterson, NJ 07502

    85 Berkshire Avenue presents a turnkey three unit residential asset in Paterson. This semi attached building offers four on site parking spaces. All three apartments are renovated and fully rented with stabilized in place income. Operations are streamlined with separate utilities; an above ground oil tank provides heat to Apartments 2 and 3, and those two tenants share the fuel cost. Common owner

    Andres Ospina REAL

    85 Berkshire Ave, Paterson, NJ 07502
  • /30

    $649,900 Open Sun 12PM - 2PM

    • 5 Beds
    • 2.5 Baths

    39 Tuttle St, Wallington, NJ 07057

    EXCELLENT INVESTMENT OPPORTUNITY! LOVELY & BRIGHT, WELL-MAINTAINED 2 FAMILY HOME CONVENIENTLY LOCATED JUST 4 MIN WALKING DISTANCE TO NYC BUS STOP #160. EXPERIENCE THE NICE KITCHENS, BATHS, FULL FIN BASEMENT, ENCLOSED PORCHES & SPACIOUS ATTIC. THE 1ST FLOOR UNIT CONSISTS OF LR, MEIK, 2 BR & FBTH. THE 2ND FLOOR WELCOMES WITH A 2-STORY APT (LR, DR, BR, FBTH & LAUNDRY ON THE MAIN FLOOR, & 2 BRM & 0.5

    Janusz Gajda RE/MAX Home Experts

    39 Tuttle St, Wallington, NJ 07057
  • /13

    $599,000

    • 6 Beds
    • 3 Baths

    1 Reid Ave, Passaic, NJ 07055

    Great colonial, awesome location. With some TLC this will be your dream home. House has great space with living room, dining room, large eating kitchen and a half bath on the first floor. Second floor has four bedrooms and one full bathroom. Attic has another three bedrooms. House is strictly sold as is

    Batya Bamberger Dwell Realty NJ

    1 Reid Ave, Passaic, NJ 07055
  • /38

    $799,000

    • 4 Beds
    • 3 Baths

    34 Kearney St, Lyndhurst, NJ 07071

    Beautifully renovated in 2025, this spacious home features 4 bedrooms and 3 full bathrooms with modern finishes throughout with lots of natural sunlight. Huge walk in closet or convert to office space. The fully finished basement includes a summer kitchen and full bath, offering flexible space for extended household use, guests, or entertaining. Ideally located near schools, train stations, and

    Rosemarie Zembryski THE AGENCY RUTHERFORD

    34 Kearney St, Lyndhurst, NJ 07071
  • /25

    $775,000

    • 9 Beds
    • 4 Baths

    494 E 26th St Unit 496, Paterson, NJ 07514

    Discover a versatile and investor-friendly two-family home in Paterson that was renovated a few years ago and still shines in excellent condition. The first-floor unit features three spacious bedrooms, while the second-floor unit includes four bedrooms, all highlighted by beautiful hardwood floors and a welcoming layout. Ideal for both owner-occupants and investors, this property comes with not

    Enmanuel Almonte United Real Estate

    494 E 26th St Unit 496, Paterson, NJ 07514
  • /21

    $414,900

    • 2 Beds
    • 1 Bath

    520 Victor St Unit 8, Saddle Brook, NJ 07663

    Step into a Fresh Chapter of Easy Living at This Spacious 2-Bedroom Condo in a 55+ Community! This Great Unit Offers an Open Layout with Natural Light, Newer Kitchen Appliances, New HVAC, Balcony to Enjoy Outdoor Space, and Parking. Newer Water Heater, Appliances, Carpeting, Paint, and Bath (all done in 2024). Pet Friendly (25 lb limit), HOA Includes Sewer, and Communal Picnic Table & BBQ for

    Mona Tahoun Berkshire Hathaway Home Services Fox & Roach Realtors - Montclair

    520 Victor St Unit 8, Saddle Brook, NJ 07663
  • /47

    $1,799,000

    • 5 Beds
    • 3 Baths

    24 Holmes Ln, Wayne, NJ 07470

    Welcome home to this expansive New Construction 5-bedroom, 3-bathroom Colonial, ideally situated on a quiet residential street. A dramatic two-story entry foyer sets an elegant tone and opens to beautifully proportioned living spaces designed for everyday comfort and entertaining. The gracious living room is filled with natural light from oversized windows and flows seamlessly into the formal

    ANTHONY JORDAN HOWARD HANNA RAND REALTY

    24 Holmes Ln, Wayne, NJ 07470
  • /25

    $775,000

    • 9 Beds
    • 4 Baths

    492 E 26th St Unit 494, Paterson, NJ 07514

    Discover a versatile and investor-friendly two-family home in Paterson that was renovated a few years ago and still shines in excellent condition. The first-floor unit features three spacious bedrooms, while the second-floor unit includes four bedrooms, all highlighted by beautiful hardwood floors and a welcoming layout. Ideal for both owner-occupants and investors, this property comes with not

    Enmanuel Almonte UNITED REAL ESTATE

    492 E 26th St Unit 494, Paterson, NJ 07514
  • /8

    $798,000

    • 3 Beds
    • 3.5 Baths

    32 Litchfield Ln Unit 403, Fair Lawn, NJ 07410

    NEWER TOWNHOUSE 3BEDRMS, 3.5 BATHROOMS IN SOUGHT AFTER TOWN WITH TRAIN STATION TO NYC AND GEAT SCHOOLS. HARDWOOD FLOORS THROUGHOUT. OPEN CONCEPT KITCHEN, DOUBLE DOOR PANTRY, LIVING AND DINING AREA ON MAIN FLOOR, FIRST FLOOR HAS AN OFFICE/DEN OR POSSIBLE GROUND LEVL BEDROOM AND FULL BATHROOM. QUIET LOCATION CLOSING MUST TAKE PLACE AFTER 6/15. 90-120 DAY CLOSING OWNER HOLDS NJ REAL ESTATE LICENSE

    Susan Bai Keller Williams Village Square Realty

    32 Litchfield Ln Unit 403, Fair Lawn, NJ 07410
  • /26

    $925,000

    • 3 Beds
    • 1.5 Baths

    82 Herrick St, East Rutherford, NJ 07073

    Bi-Level home in move-in condition. LR(12x13), DR(11x12) w/SGD to deck with stairs to yard., Modern Kitchen w/newer cabinets and quartz counters. 3 bedrooms (10x11), (11x12), 11x14), Modern bath w/Jacuzzi. Bessler stairs to attic storage. Ground level has Family room (11x23) w/half bath, a large (12x17) room that could be an office or 4th bedroom, and a large laundry room/furnace room. Rear patio

    Doug Sinopoli Meadowlands Realty, Inc.

    82 Herrick St, East Rutherford, NJ 07073
  • /23

    $975,000

    • 12 Beds
    • 6 Baths

    32 Elm St, Paterson, NJ 07501

    Great Investment Opportunity in PatersonWell-maintained 3-family property located in a desirable neighborhood. 4 bedrooms, 2 full baths, each unit, with all units fully rented, providing immediate cash flow.The property features a walk-out basement, along with a good-sized backyard. Conveniently located near schools, shopping, and parks, making it attractive to long-term tenants.A solid

    Salih Okdemir RE/MAX TRUST PROPERTIES

    32 Elm St, Paterson, NJ 07501
  • /50

    $974,000

    • 7 Beds
    • 3.5 Baths
    • 2,840 Sq Ft

    48 Main Ave, Wallington, NJ 07057

    Discover this rare side-by-side two-family duplex, offering the privacy and feel of a single-family home with exceptional income potential ideal for owner-occupants seeking to offset mortgage costs or savvy investors building their portfolio. The owner's unit (currently vacant and move-in ready) was thoughtfully constructed in 2002, featuring fresh interior paint throughout, convenient

    SALVATORE LOCASCIO KELLER WILLIAMS PROSPERITY REALTY

    48 Main Ave, Wallington, NJ 07057
  • /21

    $545,000

    • 4 Beds
    • 3 Baths

    7 Westminster Place, Garfield, NJ 07026

    ****Back on the market! ***** **New owners are to assume solar panel lease. Information on how to do so is included within sellers disclosure** Discover this well-maintained 4-bedroom, 3-bath Colonial offering a versatile split-level design that blends classic charm with modern flexibility. Thoughtfully cared for, this home provides generous living space ideal for todayâ€TMs lifestyle. The main

    Rondale Peterson United Real Estate

    7 Westminster Place, Garfield, NJ 07026
  • /24

    $579,900

    • 5 Beds
    • 3 Baths

    223 W Broadway, Paterson, NJ 07522

    This stocco two apt unit home, has Lr, Eik, Br, Br, Mod Ct Bath, laundry rm. in owner's unit plus an added Br with Ct Bath on 3rd fl. The first-floor unit is similar to the 2nd-floor apartment. With HWBB gas heat. Collect as much as $2,300 rental income from first floor apt.

    John G. Susani COLDWELL BANKER SUSANI REALTY

    223 W Broadway, Paterson, NJ 07522
  • /18

    $245,000

    • 1 Bed
    • 1 Bath
    • 805 Sq Ft

    9 Madison Ave Unit 18, Paterson, NJ 07524

    Step into Style, Convenience & Affordability in this Move-in-Ready 1 Bedroom 1 Bath Condo with low monthlies & 1 Deeded Parking at the Madison Riverview Boutique condo building. Surrounded by urban convenience at the crossroads of Fairlawn & Hawthorne. Just a 10-min walk to Fairlawn town center. Discover the Beauty of this recently renovated, spacious, Open Concept floor-plan where everything has

    Angela Cuciniello COLDWELL BANKER REALTY

    9 Madison Ave Unit 18, Paterson, NJ 07524
  • /33

    $699,000

    • 3 Beds
    • 2 Baths

    124 Hazley Ave, Rochelle Park, NJ 07662

    Welcome to this beautiful Single Family 3 bedrooms, 2 baths. on a large, level lot with an expansive deck and backyard perfect for outdoor entertainment. First floor features Master Bedroom, Living Room, Dining Room, Kitchen, granite counters & stainless appliances, Full Bath. Second floor features two additional nice size Bedrooms and Full Bath. Partial finished Basement includes Rec/Bonus Room,

    JOSE CARDENES Better Homes and Gardens Real Estate Elite

    124 Hazley Ave, Rochelle Park, NJ 07662
  • /19

    $650,000

    • 5 Beds
    • 3 Baths

    337 E 29th St Unit 341, Paterson, NJ 07514

    Welcome to a rare investment opportunity in the heart of Paterson?s Eastside neighborhood! This substantial 2,188 sq ft mixed-use property at 337-341 E 29th Street offers incredible upside and value, perfect for investors or owner-occupants looking to capitalize on Paterson?s strong rental demand and redevelopment momentum. Featuring an expansive layout with versatile interior space, this

    JUANA BEATRIZ LOPEZ REALTY ONE GROUP PRODIGY

    337 E 29th St Unit 341, Paterson, NJ 07514
  • /34

    $799,000

    • 3 Beds
    • 2.5 Baths

    190 Martha Ave, Elmwood Park, NJ 07407

    This stunning home has it all. Entrance foyer takes you to open floor plan living room, dinning room and kitchen. Renovated kitchen is equipped with cherry wood cabinets, granite countertops and stainless steel appliances. Dinning room has sliding door leading to large deck. All 3 bathrooms are renovated. All 3 bedrooms have nice size closets. Master bedroom has full bathroom with shower.

    Joanna Orlowski LPT Realty

    190 Martha Ave, Elmwood Park, NJ 07407
  • /2

    $979,999

    • 2 Beds
    • 2.5 Baths

    479 Grove St, Clifton, NJ 07013

    Builder's dream! Custom build on this 152X125 property or renovate this charming ranch on the oversized lot! Contractors, this is a great rehab. Location is prime property with excellent potential! Superb access to schools, dining, highways. Property sits on a luxurious spacious lot, perfect for custom development. Bring your imagination because this is truly a rare find in the heart of Clifton!

    BERYL BELLS WEICHERT REALTORS

    479 Grove St, Clifton, NJ 07013
  • /24

    $1,248,800

    276 Ellison St, Paterson, NJ 07501

    GREAT Investment Opportunity - this fully occupied 8-unit building with solid income and low expenses. Features , separate utilities and incredible upside as a value-add property with endless potential. Ideally located NEAR highway access and just minutes from the hospital, restaurants, retail, public transportation and more. Great investment opportunity for any investor!! . PROPERTY is being

    Runner Borges United Real Estate

    276 Ellison St, Paterson, NJ 07501

Showing Results 521 - 560, Page 14 of 17

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