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Homes for Sale in 93740

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  • /55

    $635,000 Open Sun 1PM - 4PM

    • 3 Beds
    • 2 Baths
    • 2,269 Sq Ft

    2476 E Soquel Cir, Fresno, CA 93720

    This beautiful Granville with great curb appeal is in a highly desirable gated complex, the Galleria. The home has been extensively upgraded in recent years with high-end finishes and materials that a high-end designer would use. The floor plan is ideal for entertaining with a formal dining room and an open plan living, kitchen, and breakfast area. Some of the many upgrades include the Kitchen

    Sam Patel Realty Concepts, Ltd. - Fresno

    2476 E Soquel Cir, Fresno, CA 93720
  • /28

    $425,000 Open Sun 12PM - 3PM

    • 4 Beds
    • 3 Baths
    • 1,670 Sq Ft

    733 E San Jose Ave, Fresno, CA 93710

    FHA & VA ready! Welcome to your next home that effortlessly blends modern style with everyday living. This 4-bedroom, 3-bath home is just walking distance to Fashion Fair Mall and a short drive to Fresno State. It is proudly designed for a growing family with a spacious floorplan. With its modern remodel and new kitchen, it's the perfect place to entertain, or simply enjoy the upcoming summer

    Leo Nolasco 3D Realty

    733 E San Jose Ave, Fresno, CA 93710
  • /26

    $300,000

    • 2 Beds
    • 1 Bath
    • 1,056 Sq Ft

    345 W Dayton Ave, Fresno, CA 93705

    Right in the middle of Old Fig, and Fresno High, lies this charming 2 bedroom and 1 bathroom home, offering over 1,000 square feet of living space. There is an attached garage, a carport, and even an oversized 8,100 sqft lot!, providing ample front and back yards This great home offers original hardwood floors, newer dual pane windows, and a large fireplace in the living room! Whether you are

    Sarah Gillespie Executive Realty Associates

    345 W Dayton Ave, Fresno, CA 93705
  • /49

    $1,200,000

    • 3 Beds
    • 2 Baths
    • 1,686 Sq Ft

    827 N Armstrong Ave, Clovis, CA 93611

    Prime Location with Endless PossibilitiesSituated on 2.28 acres in a highly sought-after area, this 1,686 sq. ft. ranch-style home offers the perfect blend of country living and city convenience. The property features a 3-bedroom, 2-bathroom layout with an open-concept living room, dining area, and kitchen, along with a spacious bonus family room. Outdoors, enjoy a large inviting pool and a

    Robert Shaw Realty Concepts, Ltd. - Clovis

    827 N Armstrong Ave, Clovis, CA 93611
  • /47

    $649,950 Open Sun 1PM - 4PM

    • 4 Beds
    • 2 Baths
    • 2,150 Sq Ft

    505 E Mallard Cir, Fresno, CA 93730

    An exceptional custom built 4-bedroom, 2-bathroom home tucked away in the highly sought-after Woodward Lake community. From the moment you arrive, you'll feel the warmth, care, and pride of ownership that radiates throughout this beautifully updated home. Step inside to discover a bright, open layout enhanced by all-new luxury vinyl plank flooring, and an inviting flow that's perfect for both

    Ian Walberg Realty Concepts, Ltd. - Fresno

    505 E Mallard Cir, Fresno, CA 93730
  • /24

    $425,000

    • 3 Beds
    • 2 Baths
    • 1,671 Sq Ft

    1214 E Palo Alto Ave, Fresno, CA 93710

    Charming Home with Pool & Endless Potential - 1214 E Palo Alto - Great Location!This spacious one-owner 3-bedroom, 2-bath home offers the perfect blend of comfort, function, and opportunity in an established Fresno neighborhood.Step inside to find a welcoming living area and a cozy fireplace in the family room.Kitchen is equipped with double ovens, smooth electric cooktop, built-in microwave, & a

    Lynne Rapada Keller Williams Westland Rlty

    1214 E Palo Alto Ave, Fresno, CA 93710
  • /14

    $1,300,000

    • Land
    • 0.86 Acre
    • $1,511,628 per Acre

    1 W Herndon Ave, Fresno, CA 93650

    🏢 Prime Commercial Opportunity - 37,461 SF Parcel in Fresno County Seize the chance to acquire a strategically located 37,461 square foot (approximately 0.86 acres) parcel, zoned CG (Commercial General), offering exceptional potential for diverse commercial developments.​Location: Corner of Herndon Ave/Blythe Ave next to Burger King. Situated in a high-visibility area with

    Gary Pamma Xpert Agent

    1 W Herndon Ave, Fresno, CA 93650
  • /21

    $282,500

    • 2 Beds
    • 1 Bath
    • 1,031 Sq Ft

    2135 Arden Dr W, Fresno, CA 93703

    Check out this charming 2 bedroom, 1 bathroom home! This property features tasteful crown molding, dual-pane windows, and central heating and cooling. The bathroom includes a dual-sink vanity, ideal for busy mornings or sharing space with ease. The living room is brightened by beautiful natural light streaming through the large front window, creating a bright and welcoming ambiance. Step outside

    Marie Meza Real Broker

    2135 Arden Dr W, Fresno, CA 93703
  • /48

    $849,000

    • 4 Beds
    • 3 Baths
    • 2,600 Sq Ft

    10338 N Rowell Ave, Fresno, CA 93730

    Welcome to 10338 N Rowell Ave! Step into elegance and comfort in this stunning 4-bedroom, 3-bathroom, 2,600 SQFT modern home, nestled within the prestigious and sought-after St. Andrew's neighborhood that is gated and well-maintained, providing a peaceful retreat in a prime location. Designed to impress, this two-story beauty combines sleek sophistication with a warm, inviting atmosphere.

    Danny Grubb Real Broker

    10338 N Rowell Ave, Fresno, CA 93730
  • /47

    $585,000

    • 3 Beds
    • 2 Baths
    • 2,177 Sq Ft

    167 W Quincy Ave, Fresno, CA 93711

    Welcome to modern living in one of North Fresno's most desirable locations! Situated just minutes from River Park and the scenic beauty of Woodward Park, this stunning 2,177 sq. ft. contemporary home offers a perfect blend of style, comfort, and convenience. Step inside to find an open-concept layout with sleek finishes, high ceilings, and abundant natural light. The chef's kitchen boasts quartz

    Rigoberto Rivera Real Broker

    167 W Quincy Ave, Fresno, CA 93711
  • /20

    $319,800

    • 3 Beds
    • 2 Baths
    • 1,030 Sq Ft

    3385 Mayfair Dr N, Fresno, CA 93703

    Welcome to this charming 3-bedroom, 2-bath home, recently updated with fresh interior and exterior paint. Inside, you'll find durable vinyl flooring throughout, offering easy maintenance and a clean, modern look. The kitchen features ample cabinet space, granite countertops, and a brand-new range. The bright and airy living room is filled with natural light, creating a warm and inviting

    Garrett Vang ZState Realty Inc.

    3385 Mayfair Dr N, Fresno, CA 93703
  • /31

    $45,000

    • 2 Beds
    • 1 Bath
    • 624 Sq Ft

    1724 Minnewawa Ave Unit Spc90, Clovis, CA 93612

    Ready for your personal touch! This 2-bedroom mobile home is full of possibilities and just waiting for someone to make it shine. Located across from visitor parking this is a great option for entertaining and accommodating guests. Great location in the highly desirable Bonaventure Mobile Park, a vibrant 55+ community with fantastic amenities like a sparkling pool, relaxing spa, picnic areas, and

    Melisa Spolini Edinhart Realty & Property Man

    1724 Minnewawa Ave Unit Spc90, Clovis, CA 93612
  • /34

    $349,999

    • 3 Beds
    • 2 Baths
    • 1,470 Sq Ft

    3347 E Richert Ave, Fresno, CA 93726

    Welcome to a well-maintained and energy-efficient home offering both comfort and value. This 3 bedroom, 1.5 bath property features owned solar, and with a strong offer, the seller is willing to pay off the remaining solar loan at the close of escrow - providing significant long-term savings for the new owner. A newer HVAC system (2022) ensures reliable year-round comfort and improved energy

    Lance Heredia-McCampbell Real Broker

    3347 E Richert Ave, Fresno, CA 93726
  • /44

    $625,000

    • 5 Beds
    • 4 Baths
    • 3,226 Sq Ft

    4311 N Emerson Ave Unit 3, Fresno, CA 93705

    Three-unit property located in Fresno, totaling approximately 3,226 sq. ft. All units include garage access and separate entrances. Recent improvements include a new roof for all units and new AC units for each unit (installed in 2022 and 2024).Total Property: 8778 Sq Ft.Unit 101Approx. 1,300 sq. ft.2 Bedrooms / 2 Bathrooms2-car detached garageIndoor laundryVaulted ceilings, fireplace, large

    Vishal Lal Real Broker

    4311 N Emerson Ave Unit 3, Fresno, CA 93705
  • /45

    $595,000

    • 2 Beds
    • 1.5 Baths
    • 1,700 Sq Ft

    6043 N Forkner Ave, Fresno, CA 93711

    A unique property on North Forkner Ave., a street of multi million dollar homes on estate size lots. Remodeled in 2000 this 1954 cottage/ranch home is on almost 1//2 acre. Circle driveway and beautiful gardens with no fences for an open country feel. Adding to the openness is the ponding basin across the street providing views of the Sierras during good weather and shimmering water when the basin

    Matt McGrath Manning Properties

    6043 N Forkner Ave, Fresno, CA 93711
  • /41

    $366,990 Open Sun 11AM - 1:30PM

    • 3 Beds
    • 2.5 Baths
    • 1,785 Sq Ft

    467 E Alluvial Ave Unit 106, Fresno, CA 93720

    Zoned for the nationally-ranked and award-winning Clovis schools, this charming Woodward Park Place'' home offers 3 bedrooms, 2.5 baths, and nearly 1,800 sq. ft. of living space, situated on a premium corner lot! Step inside to be greeted by soaring vaulted ceilings, newer luxury vinyl plank flooring, and a bright, airy color palette that creates a warm and inviting atmosphere. The foyer leads to

    467 E Alluvial Ave Unit 106, Fresno, CA 93720
  • /33

    $595,000 Open Sun 1PM - 3PM

    • 4 Beds
    • 3 Baths
    • 2,145 Sq Ft

    2067 E Axelson Dr, Fresno, CA 93730

    Welcome to this stunning Windsor model in the desirable Heights on Copper by McCaffrey gated community. This home is ideally situated just off Copper Ave for ultimate convenience. This beautifully upgraded four-bedroom, three-bathroom, two-story home boasts tens of thousands in high-end enhancements. From the moment you enter, the quality craftsmanship and thoughtful design are undeniable. A

    Erica Maranian Redfin Corporation

    2067 E Axelson Dr, Fresno, CA 93730
  • /27

    $390,000 Open Sun 1PM - 4PM

    • 3 Beds
    • 2 Baths
    • 1,608 Sq Ft

    1461 N Del Mar Ave, Fresno, CA 93728

    Welcome to this quintessential Tower District gem, where vintage charm meets modern upgrades in one of Fresno's most iconic neighborhoods. From the moment you arrive, you'll notice the curb appeal with a newer concrete driveway, fresh fencing, and a welcoming front porch complete with a cozy swing perfect for afternoon hangouts. Step inside to a bright, spacious living area filled with natural

    Tomas Molina Real Broker

    1461 N Del Mar Ave, Fresno, CA 93728
  • /27

    $165,900

    • 2 Beds
    • 1 Bath
    • 843 Sq Ft

    2576 W Fairmont Ave Unit 101, Fresno, CA 93705

    Welcome to the West Shaw Estates Subdivision where you will find the beautifully updated 2 Bedrooms and 1 Bath Condo, which has an open floor plan downstairs. The kitchen features newer Samsung appliances plus plenty of cabinet space. As you walk up the stairs you will find new carpet flooring upstairs along with nice-sized bedrooms, plus a modern-style bathroom. The HVAC was replaced within

    Christine Palacios Gabriel Gutierrez Real Estate

    2576 W Fairmont Ave Unit 101, Fresno, CA 93705
  • /38

    $274,900

    • 3 Beds
    • 1 Bath
    • 1,250 Sq Ft

    2944 E Normal Ave, Fresno, CA 93703

    Encircled by green lawns, this three bedroom home north of Fresno offers endless possibilities. The Spanish-influenced exterior with a charming front porch reveals classic pre-war construction features like plaster walls and subtle Art Deco details. Neutral decor adorns the 1,250 sq ft layout boasting defined areas for entertaining and relaxing, beginning in the spacious living room with a

    Gracelyn Martinez Iron Key Real Estate

    2944 E Normal Ave, Fresno, CA 93703
  • /31

    $698,000 Open Sun 1PM - 4PM

    • 3 Beds
    • 3 Baths
    • 3,151 Sq Ft

    2727 W Bluff Ave, Fresno, CA 93711

    This immaculate traditional single-family home in the prestigious gated community of Bluff View, located in Fresno's highly desirable Royal Coach neighborhood. This exclusive enclave features 36 homes, enhanced by lush green spaces, a pool, clubhouse, and tennis court. Upon entry, you're immediately welcomed by soaring ceilings, beautiful shuttered windows, and soft, inviting hues throughout the

    Darin Zuber Real Broker

    2727 W Bluff Ave, Fresno, CA 93711
  • /6

    $1,695,000

    • 24 Beds
    • 18 Baths
    • 13,810 Sq Ft

    4885 E Vassar Ave, Fresno, CA 93703

    Presenting a fantastic investment opportunity at 4885 E Vassar Avenue, a well-maintained 12-unit townhouse-style property in the heart of Fresno, CA. Each unit features 2 bedrooms, 1.5 bathrooms at a large and spacious 1,150 square feet. Each unit also has their own patio and individual HVAC units for tenant comfort and efficiency. This property represents an outstanding opportunity for investors

    Brent Sarabian London Properties, Ltd.

    4885 E Vassar Ave, Fresno, CA 93703
  • /3

    $19,950

    • 2 Beds
    • 1.5 Baths
    • 650 Sq Ft

    1272 Villa Ave Unit 60, Clovis, CA 93612

    Great opportunity to purchase a single wide in Villa Park Mobile Estates in Clovis. Close to Old Town Clovis, shopping and restaurants.Property to be sold in as-is condition.

    Bob Wiginton Realty Concepts, Ltd. - Fresno

    1272 Villa Ave Unit 60, Clovis, CA 93612
  • /34

    $349,900

    • 3 Beds
    • 2 Baths
    • 1,584 Sq Ft

    4252 N Holt Ave, Fresno, CA 93705

    This Updated 3-bedroom, 2-bathroom Home in NE Fresno is Conveniently Located Near All Services. It features Modern updates throughout, Kitchen Includes Brand New Cabinets, & New Countertops. New LVP Flooring Throughout for a Sleek Clean Look. Both The interior and Exterior have Been Freshly Painted, and New Baseboards have been Installed Throughout Home. The bathrooms offer New Fixtures, a New

    Karla Salazar Capitol Real Estate Group, Inc

    4252 N Holt Ave, Fresno, CA 93705
  • /42

    $625,000 Open Sun 1AM - 4PM

    • 3 Beds
    • 2 Baths
    • 2,085 Sq Ft

    987 E Portland Ave, Fresno, CA 93720

    A classic beauty, always in style, one owner 3-bdrms 2-bath custom displays the love and care given. Highly desired, Woodward neighborhood provides a tranquil setting only a few short blocks from award winning Ft Washington Elem & Clovis West HS, close to parks, shops & food. Stunning front rooms offer choice: entertaining, office use or school room. A welcoming family room with the light-colored

    Sue Gardner Realty Concepts, Ltd. - Clovis

    987 E Portland Ave, Fresno, CA 93720
  • /4

    $275,000

    • 2 Beds
    • 1 Bath
    • 889 Sq Ft

    1028 W Lansing Way, Fresno, CA 93705

    Welcome to this inviting 2-bedroom, 1-bath home located near the convenient intersection of North West Avenue and West Ashlan Avenue in Fresno. With 889 square feet of living space, this home offers a cozy yet functional layout perfect for first-time buyers, small families, or those looking to downsize.

    Kaitlyn Dares Home Saver Realty

    1028 W Lansing Way, Fresno, CA 93705
  • /27

    $365,000

    • 3 Beds
    • 2 Baths
    • 1,408 Sq Ft

    3767 Kenmore Dr N, Fresno, CA 93703

    Welcome to this beautifully remodeled 3 bedroom, 2 bathroom home that perfectly blends comfort and convenience. Designed with a clean, neutral palette throughout, this home offers a fresh, timeless feel, ready for your personal touches. The spacious layout is both functional and inviting, with updated finishes that truly make the home shine. Enjoy the perks of owned solar, helping you save on

    Chan Ma Real Broker

    3767 Kenmore Dr N, Fresno, CA 93703
  • /42

    $120,500

    • 2 Beds
    • 2 Baths
    • 1,536 Sq Ft

    1001 Sylmar Ave Unit 155, Clovis, CA 93612

    Welcome to The Woods, a beautifully maintained 55+ community in Clovis offering resort-style amenities and a peaceful setting. This spacious 2-bedroom, 2-bath mobile home is move-in ready and waiting for your personal touch. Inside, you'll find an inviting open floor plan with abundant natural light and COREtec luxury vinyl flooring throughout, stylish, durable, and 100% waterproof. Shutters

    Laura parvanian The Apex Broker, Inc

    1001 Sylmar Ave Unit 155, Clovis, CA 93612
  • /24

    $364,900

    • 3 Beds
    • 2 Baths
    • 1,290 Sq Ft

    3906 E Indianapolis Ave, Fresno, CA 93726

    Beautifully remodeled and move-in ready, this 3-bedroom, 2-bathroom home is located in a well-established neighborhood in the heart of Fresno just minutes from Fresno State, shopping centers, and convenient freeway access.Step inside to an open and inviting layout featuring new flooring throughout, fresh interior and exterior paint, and upgraded lighting that enhances each space. The upgraded

    3906 E Indianapolis Ave, Fresno, CA 93726
  • /35

    $246,900

    • 3 Beds
    • 2 Baths
    • 1,273 Sq Ft

    4885 N Backer Ave Unit 119, Fresno, CA 93726

    This well-maintained single-story condo in the Maplewood Community offers a rare combination of comfort, convenience, and valuejust a short walk from Fresno State. With 3 bedrooms and 2 bathrooms, this end-unit shares only one common wall and features a private patio, inside laundry, and nearby covered parking.Recent updates include a new water heater (April 2025), brand new carpet, newer

    Sarah Hedrick Realty Concepts, Ltd. - Fresno

    4885 N Backer Ave Unit 119, Fresno, CA 93726
  • /34

    $550,000 Open Sun 12PM - 2PM

    • 4 Beds
    • 2.5 Baths
    • 2,238 Sq Ft

    340 W Escalon Ave, Fresno, CA 93704

    Updated home in a well-established neighborhood! This spacious 4-bedroom, 2.5-bath home includes a bonus room, beautifully updated bathrooms, and new luxury vinyl flooring throughout. The functional layout includes a dedicated laundry room with a newly added pantry for extra storage. Enjoy relaxing in the cozy front courtyard, work on your short game with the putting green out back, then cool off

    Mario Trevino Iron Key Real Estate

    340 W Escalon Ave, Fresno, CA 93704
  • /43

    $569,999

    • 4 Beds
    • 2.5 Baths
    • 2,479 Sq Ft

    1731 W Tenaya Way, Fresno, CA 93711

    Come and see this perfect home in Northwest Fresno. This home has never been on the market, it's the original owners! This Mansionette Home has 4 Bedrooms 2.25 Baths, a newer presidential roof, newer heating & cooling A/C unit, owned solar, newer dual pane windows. Nice size pool. Huge Lot with front and back mature landscaping including many fruit trees. This home has plenty of living space with

    Rene Martinez Century 21 Jordan-Link & Compa

    1731 W Tenaya Way, Fresno, CA 93711
  • /20

    $385,000

    • 3 Beds
    • 2 Baths
    • 1,536 Sq Ft

    935 E Fedora Ave, Fresno, CA 93704

    Beautifully renovated home on a spacious lot. Step into this freshly updated 3 bedroom, 2 bath gem featuring all new interiors including stylish laminate flooring, modern appliances and fresh paint throughout. Enjoy the convenience of inside laundry and new window coverings that add a clean, contemporary touch. Situated on a large lot, perfect for family gatherings and BBQs; this home offers

    Roxanne Caldera Realty Concepts, Ltd. - Clovis

    935 E Fedora Ave, Fresno, CA 93704
  • /29

    $850,000 Open Sun 1PM - 4PM

    • 5 Beds
    • 4 Baths
    • 3,196 Sq Ft

    8649 N Backer Ave, Fresno, CA 93720

    This Beautiful 5 bedroom 4 bathroom home is a Gary Brown semi custom home. There are 4 bedrooms and 4 baths on the main floor. This 2-story home has 1 guest bedroom, 1 bathroom, and game room upstairs. Downstairs is the master bedroom and bath, 3 guest bedrooms, a jack and jill bath with shower/tub. Plus a guest bathroom (next to the kitchen) with a shower. The lower level many high end

    Virginia Mendez-Buelna HomeSmart PV and Associates

    8649 N Backer Ave, Fresno, CA 93720
  • /44

    $749,000

    • 4 Beds
    • 2 Baths
    • 2,661 Sq Ft

    9093 N Cherryhill Ln, Fresno, CA 93720

    Welcome to your forever home! This charming 4-bedroom, 2-bathroom beauty offers 2,661 SqFt of character and comfort. Step through a stunning glass door leading to custom tile work into a warm, inviting interior. The elegant formal dining room flows seamlessly into a spacious kitchen, complete with granite countertops and modern appliances. A grand living room with vaulted ceilings, expansive

    Danny Grubb Real Broker

    9093 N Cherryhill Ln, Fresno, CA 93720
  • /44

    $540,000

    • 3 Beds
    • 2 Baths
    • 1,762 Sq Ft

    736 N Karen Ave, Clovis, CA 93611

    This great three bedroom two bath home is located on a corner lot, and offers an inground pool with play step, and above ground spa, a built-in gazebo, and a covered patio as well. There is a living room and a family room, stone countertops, gas appliances, a breakfast bar that overlooks the backyard and the main living room. Each bedroom with a walk-in closet, vaulted ceilings, and ample natural

    Sarah Gillespie Executive Realty Associates

    736 N Karen Ave, Clovis, CA 93611
  • /37

    $315,000

    • 3 Beds
    • 2 Baths
    • 1,120 Sq Ft

    4774 E Hammond Ave, Fresno, CA 93703

    Investor Special/Rental or Live in Flip!? Renovate & Resale! ....or buy low and make it your own with your own taste---Start with a blank canvas and come home full knowing that your sweat made it HOME Sweet HOME!!!...So much potential in well established Fresno Neighborhood lies this 3/2 (BTV) on huge lot with RV parking. Was just vacated/lived in and is waiting for YOU to fix up, leave it as

    John Jungwirth All State Homes

    4774 E Hammond Ave, Fresno, CA 93703
  • /28

    $1,149,000

    • 4 Beds
    • 3 Baths
    • 3,084 Sq Ft

    10640 N Old Course Dr, Fresno, CA 93730

    Situated within the prestigious gates of Country Club at the Fort, this beautifully appointed single story custom home offers an exceptional lifestyle in one of Fresno's most coveted communities. Just a short distance to top-rated Fugman Elementary and moments from both Fort Washington and Copper River Country Clubs, this location provides unparalleled access to premier golf, dining, and

    Joe Sciarrone London Properties, Ltd.

    10640 N Old Course Dr, Fresno, CA 93730
  • /51

    $1,330,000

    • 4 Beds
    • 3.5 Baths
    • 3,744 Sq Ft

    529 E Chesapeake Cir, Fresno, CA 93730

    Exceptional Lakefront Living in Fresno's Most Prestigious Gated Community!Discover the perfect blend of elegance, comfort, & flexibility at 529 E. Chesapeake Circle, located in the premier gated enclave of Woodward Lake. Set on one of the community's most desirable lakefront lots, this thoughtfully designed residence offers serene water views, refined architectural details, & a floor plan that

    Sarah Hedrick Realty Concepts, Ltd. - Fresno

    529 E Chesapeake Cir, Fresno, CA 93730
  • /20

    $354,900

    • 3 Beds
    • 2 Baths
    • 1,380 Sq Ft

    3907 E Dayton Ave, Fresno, CA 93726

    3 Bedroom 1.75 Bath New Paint Throughout .New Cook Top, New Window Coverings Nice Flooring. Freshly Cleaned Carpet, 2 Car Garage Newly Painted Facia Boards Plus Other improvements. Plus A Real Nice .Lemon Tree in backyard. Potential RV Parking Call For Appointment

    James Piccolo Piccolo Real Estate Inc.

    3907 E Dayton Ave, Fresno, CA 93726

Showing Results 81 - 120, Page 3 of 14

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