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Gloucester County NJ Homes for Sale

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  • /26

    $375,000

    • 3 Beds
    • 2.5 Baths
    • 1,484 Sq Ft

    192 Mazzeo Dr, Glassboro, NJ 08028

    Spectacular, 3 bed,2 bath with car garage luxury townhome built in the 2022 High street estate community in Glassboro NJ, built by America's Builder, D. R. Horton! This home has an abundance of designer features such as 9' Ceilings, Kitchen with upgraded cabinets, quartz counter tops, large under mount sink with brushed nickel faucet , Stainless steel appliances & an abundance of recessed

    sangita sancheti Coldwell Banker Residential Brokerage-Manalapan

    192 Mazzeo Dr, Glassboro, NJ 08028
  • /2

    $267,648

    • Land
    • 8 Acres
    • $34,314 per Acre

    0 Rosemont Ave, Newfield, NJ 08344

    Investors, Builders & Developers don't miss your opportunity for the chance to build right in Newfield, New Jersey. As part of a package (29.18) deal this lot offers 7.8 acres. Approval for 15 homes currently exists. Conceptual plan for 39 homes available and seller will assist with further approvals. Permitted Uses: Single-family detached dwellings, farming and agricultural uses, and

    Katrinka Stinson Better Homes and Gardens Real Estate Maturo

    0 Rosemont Ave, Newfield, NJ 08344
  • /2

    $531,185

    • Land
    • 16 Acres
    • $34,270 per Acre

    0 Helena St, Newfield, NJ 08344

    Investors, Builders & Developers don't miss your opportunity for the chance to build right in Newfield, New Jersey. As part of a package (29.18) deal this lot offers 15 acres. Approval for 15 homes currently exists. Conceptual plan for 39 homes available and seller will assist with further approvals. Permitted Uses: Single-family detached dwellings, farming and agricultural uses, and municipal

    Katrinka Stinson Better Homes and Gardens Real Estate Maturo

    0 Helena St, Newfield, NJ 08344
  • /40

    $525,000

    • 4 Beds
    • 2 Baths
    • 2,950 Sq Ft

    16 Kenton Ave, Pitman, NJ 08071

    Open house 6/1/25 1pm to 3 pm !!Welcome to 16 Kenton Avenue in charming Pitman, NJ! This 4-bedroom, 2-bath home is full of character and upgrades that make it truly move-in ready. From the moment you walk up to the new Trex front porch, you’ll notice the curb appeal and welcoming vibe. There’s plenty of room for outdoor seating and a built-in porch swing—perfect for making memories with loved

    Angie Kovalak BHHS Fox & Roach-Washington-Gloucester

    16 Kenton Ave, Pitman, NJ 08071
  • /32

    $489,900

    • 3 Beds
    • 2 Baths
    • 1,435 Sq Ft

    608 Salem Ave, Woodbury, NJ 08096

    Don’t miss out on this like brand new 3-year-old, 3-bedroom, 2 full bath rancher with an oversized attached garage and heated gunite in-ground pool with spa. The seller has over $500,000 into the property. Some of the improvements are a heated gunite in ground pool and spa ($100,000.0), 6-foot vinyl privacy fence ($10,000), closet organization system ($12,500), irrigation system ($5000), new

    Ron Bruce BHHS Fox & Roach-Mullica Hill South

    608 Salem Ave, Woodbury, NJ 08096
  • /11

    $94,000

    • 2 Beds
    • 2 Baths
    • 924 Sq Ft

    104 Jasmine Ln, Monroe, NJ 08094

    Here's a super clean and well maintained 2 bedroom 2 full bath house in the desirable Friendly Village Community. Simplistic living at its finest. Here's a perfect opportunity for a first time home buyers or someone looking to downsize. Washer, dryer, stove, fridge, and water heater are all 1 years old for your peace of mind! 6 windows were replaced last year as well. Can't forget about the

    VINCE CICCARELLI RE/MAX Community-Williamstown

    104 Jasmine Ln, Monroe, NJ 08094
  • /5

    $450,000

    • Land
    • 36 Acres
    • $12,462 per Acre

    194 Highway 40 W, Newfield, NJ 08344

    FOR SALE – LAND LISTINGProperty Sold Strictly As-IsAn excellent opportunity for investors or developers — this property includes three parcels being sold strictly as-is. The land currently contains structures that are uninhabitable: one parcel includes a burned-down structure, while the other two have buildings that are significantly deteriorated and have not been maintained for many years.This

    Danielle Dupont HOF Realty

    194 Highway 40 W, Newfield, NJ 08344
  • /33

    $339,000

    • 3 Beds
    • 2.5 Baths
    • 1,744 Sq Ft

    2501 Lexington Mews, Woolwich Township, NJ 08085

    Pride of ownership and the pride of Woolwich Township is evident in this spotless and spacious 3-bedroom, 2 full and 1 half bath townhome in the desirable section of Lexington Mews in Woolwich Township. Move in condition is an understatement. There's no need to even dust. With features as a cozy front porch, more than adequately sized family room, elegant living room, formal dining room, and

    Edward Marrone RE/MAX Preferred - Sewell

    2501 Lexington Mews, Woolwich Township, NJ 08085
  • /18

    $360,000

    • 3 Beds
    • 2 Baths
    • 1,332 Sq Ft

    108 Thomson Ave, Paulsboro, NJ 08066

    Welcome to this beautifully done 3 bedroom 2 bath home that combines classic charm with modern updates. Through the front porch you step into a bright and airy first floor featuring hardwood floors throughout the living room, dining room, bonus room, and an additional large living room. The brand new 2025 remodeled kitchen has a fresh and modern design with brand new never-used stainless steel

    TRACEY KULB Harvest Realty

    108 Thomson Ave, Paulsboro, NJ 08066
  • /27

    $258,500

    • 2 Beds
    • 1.5 Baths
    • 1,136 Sq Ft

    220 Poplar St, Blackwood, NJ 08012

    Back on the Market!!!! Ready for the new owners.Discover comfort and convenience in this beautiful 2-bedroom, 1.5-bath home located on a large corner lot. Featuring new windows and a brand-new HVAC system, this home is move-in ready with modern upgrades throughout.Step into a bright and cozy living room that welcomes you in, and flow into the dining room, which opens directly to the deck—perfect

    SHANNON MORGAN-LEONEN Exit Homestead Realty Professi

    220 Poplar St, Blackwood, NJ 08012
  • /55

    $599,000

    • 6 Beds
    • 3.5 Baths
    • 4,726 Sq Ft

    450 Spruce Ln, Woodbury, NJ 08096

    RARE OPPORTUNJITY TO OWN A TIMELESS TUDOR GEM IN THE HEART OF WOODBURY! Step into the elegance of a bygone era thoughtfully updated for modern living. This stately English Tudor style home, nestled in one of Woodbury's most sought-after neighborhoods, exudes charm and sophistication from every corner. Boasting approximately 4,700 square feet of living space, this 5 bedroom, 3.5 bath residence

    Robert Duffield BHHS Fox & Roach-Mullica Hill South

    450 Spruce Ln, Woodbury, NJ 08096
  • /30

    $260,000

    • 3 Beds
    • 2 Baths
    • 1,848 Sq Ft

    1715 Fries Mill Rd, Williamstown, NJ 08094

    Now available for showings! Calling INVESTORS or handy homeowners! This is your home! Seller is looking for an AS IS sale. Very unique ranch home with a spacious kitchen, family room with wood-burning stove 3 bedrooms, laundry, 2 full baths ! Just sky of an ACRE of LAND.* there is a cesspool on the property so looking for CASH or conventional buyer please.

    Bernadette Augello BHHS Fox & Roach-Washington-Gloucester

    1715 Fries Mill Rd, Williamstown, NJ 08094
  • /53

    $950,000

    • 6 Beds
    • 5 Baths
    • 5,872 Sq Ft

    205 Dominics Ct, Swedesboro, NJ 08085

    Wow! It's your lucky day. The estate homes in Nature's Walk, one of South Jersey's most sought-after communities, are seldom availalbe. This magnificant 5,800sf, 6 bedroom, 5 full bath luxurious residence is situated on 3 acres with water views. The first floor of this exquisite home features a grand vaulted entrance, flanked by the living room & dining room that welcome you with their warm

    Jackie Ogden Long & Foster Real Estate, Inc.

    205 Dominics Ct, Swedesboro, NJ 08085
  • /46

    $525,000

    • 4 Beds
    • 3 Baths
    • 2,435 Sq Ft

    612 Howard Ave, Pitman, NJ 08071

    Welcome to 612 Howard Avenue—a beautifully updated 4-bedroom, 3 full bathroom home nestled in one of Pitman's most desirable neighborhoods. From the moment you arrive, the full EP Henry PAVER DRIVEWAY and walkway set the tone for the quality and care poured into this property. Step onto the charming covered front porch, perfect for morning coffee or quiet evenings, then head inside to find new

    Tom Duffy Keller Williams Realty - Washington Township

    612 Howard Ave, Pitman, NJ 08071
  • /36

    $549,000

    • 3 Beds
    • 2.5 Baths
    • 3,010 Sq Ft

    310 Bryn Mawr Dr, Williamstown, NJ 08094

    Situated in a small private Williamstown neighborhood, this stunning three-bedroom, two-and-a-half-bathroom residence is the perfect turn key home you’ve been waiting for. Completely upgraded from top to bottom, this home exudes elegance and sophistication at every turn.Step inside to discover a spacious living area adorned with premium finishes and modern amenities. The kitchen is a chef's

    Anthony Fantazzi Nest Seekers International

    310 Bryn Mawr Dr, Williamstown, NJ 08094
  • /32

    $335,000 Open Mon 5PM - 7PM

    • 3 Beds
    • 1.5 Baths
    • 1,553 Sq Ft

    114 Burgundy Ct, Wenonah, NJ 08090

    BACK ON THE MARKET! *Buyer Backed Out Day Before Closing* NO HOA fee! Cul-de-sac setting! This adorable twin home is ready for a new Owner to call home. Sitting at the end of the court, this home has a fully fenced in yard with vinyl fencing, outdoor patio and a decent sized yard! Enjoy this spacious home with main floor living offering a family room, dining room, kitchen and living room, This

    Nicole McCaffery Keller Williams Realty - Washington Township

    114 Burgundy Ct, Wenonah, NJ 08090
  • /13

    $436,000

    • 3 Beds
    • 2.5 Baths
    • 1,960 Sq Ft

    101 Pinnacle Place, Washington Township, NJ 08080

    Beautifully maintained 3 bed 2.5 bath end unit townhome in desirable Washington Township, with many extra features not found often. Crown molding on each floor brings a feeling of luxury along with the engineered wood floors throughout. The 1st level has wood floor and carpet with beautiful accent wall and door to the patio. Make this room whatever you want. Plantation shutters throughout that

    Nancy Reynolds EXIT MBR Realty

    101 Pinnacle Place, Washington Township, NJ 08080
  • /23

    $265,000

    • 4 Beds
    • 1.5 Baths
    • 1,555 Sq Ft

    652 N Broad St, Woodbury, NJ 08096

    This spacious 4-bedroom, 1.5-bath home offers classic charm and modern potential in historic Woodbury. Featuring high ceilings, large windows, and original details, it’s perfect for families, professionals, or anyone seeking flexible living space. Conveniently located near shops, restaurants, schools, and major highways, this home offers both tranquility and accessibility. Whether you're a

    Jerome Kersey RE/MAX Preferred - Sewell

    652 N Broad St, Woodbury, NJ 08096
  • /14

    $289,900

    • 3 Beds
    • 1 Bath

    792 Paulsboro Rd, Swedesboro, NJ 08085

    3-Bedroom Home with Big Potential Looking for a home you can make your own? This 3-bedroom, 1-bath diamond in the rough offers generous room sizes, a spacious eat-in kitchen, and a level lot, perfect for adding your personal touch and increasing value. Whether you're an investor, DIY enthusiast, or a buyer ready to roll up your sleeves, this property is worth a look.

    Christina Calvo GENSTONE II LLC.

    792 Paulsboro Rd, Swedesboro, NJ 08085
  • /2

    $40,000

    • 2 Beds
    • 2 Baths
    • 980 Sq Ft

    226 Truman Ave, Monroe, NJ 08094

    This home was renovated six years ago. It will need a little refresher, but well worth the price! Property is being sold completely AS-IS.

    Michelle Smith Weichert Realtors-Turnersville

    226 Truman Ave, Monroe, NJ 08094
  • /27

    $541,500

    • 3 Beds
    • 2 Baths
    • 1,573 Sq Ft

    2382 N Blue Bell Rd, Franklinville, NJ 08322

    Looking for the simplicity of an UPDATED rancher with main level laundry, acreage and privacy? Welcome home!  This property sits on over 4 acres and offers 3 bedrooms and 2 full bathrooms with outdoor pens for chickens, goats, pigs and hens. The cozy front porch leads to a spacious entryway that flows seamlessly into a flex room that can be used as a formal sitting room or a dining room. The

    Heather Grasso RE/MAX Live Well

    2382 N Blue Bell Rd, Franklinville, NJ 08322
  • /38

    $849,900

    • Studio
    • 10,800 Sq Ft

    121 N Broad St, Woodbury, NJ 08096

    11 units total. 7 residential, 5-1 bed 1 bath and 2- efficiency units (all occupied), and 4 commercial units (all vacant). Located on a big lot so possible opportunity to charge for parking or add storage. Fair market rent for 1 bedroom is $1610 and efficient unit is $1460, per 2025 section 8 website. All 4 commercial units are vacant.

    Francesco Pullella HOF Realty

    121 N Broad St, Woodbury, NJ 08096
  • /109

    $614,000 Open Sat 12PM - 2PM

    • 5 Beds
    • 3.5 Baths
    • 2,424 Sq Ft

    83 Weston Dr, Swedesboro, NJ 08085

    Welcome to this stunning colonial in Weatherby Meadows, built by Ryan Homes in 2022. This 5-bed, 3.5-bath home boasts upgrades throughout, including black fixtures in the kitchen and baths, a Roman shower, double vanities, and dual shower heads in the owner's suite. The open layout flows from the gourmet kitchen and dining area to the cozy family room with gas-lit fireplace. A flex room off the

    Caroline Garguilo Keller Williams Realty Central Monmouth

    83 Weston Dr, Swedesboro, NJ 08085
  • /36

    $649,900

    • 4 Beds
    • 2.5 Baths
    • 3,430 Sq Ft

    4 Wood Lake Ct, Glassboro, NJ 08028

    Welcome to this stunning estate 4-bedroom, 3.5-bathroom home in Washington NJ in coveted Whisper Lake development. Step into the grand foyer with hardwood floors, leading to a formal dining room with chandelier and a formal living room with custom blinds. The family room boasts cathedral ceilings, recessed lighting, and a cozy gas fireplace. The chef’s kitchen features an island, sliding glass

    Robert Dick Keller Williams Realty - Washington Township

    4 Wood Lake Ct, Glassboro, NJ 08028
  • /24

    $350,000

    • 2 Beds
    • 2 Baths
    • 1,320 Sq Ft

    25 Leisure Ln, Sewell, NJ 08080

    Open house Saturday 5/17 12pm-2pm.Welcome to this 2 bedroom 2 bath 1 story home located in the highly desired Parke Place 55+ Active Adult Community. This home is clean and ready for its new owners! More details coming soon...

    Matthew Curcio Real Broker, LLC

    25 Leisure Ln, Sewell, NJ 08080
  • /20

    $315,000

    • 2 Beds
    • 2 Baths
    • 1,318 Sq Ft

    712 Monaco Way, Williamstown, NJ 08094

    Welcome to this beautifully maintained, single-story gem nestled in one of the area’s most sought-after 55+ communities. This 2-bedroom, 2-bathroom home offers comfort, convenience, and charm in equal measure. Step inside to find a bright and inviting living space, highlighted by a cozy eat-in kitchen—perfect for morning coffee or casual meals with friends. The spacious primary bedroom features

    Francis O'Shaughnessy Keller Williams Realty - Cherry Hill

    712 Monaco Way, Williamstown, NJ 08094
  • /31

    $469,999

    • 2 Beds
    • 3 Baths
    • 2,257 Sq Ft

    727 Weatherby Dr, Woodbury, NJ 08096

    Back to Active due to buyer changing their mind. Welcome to this beautiful and spacious home in 55+ Heritage Development. Designed for comfort, function and modern living. This 2 bedroom 3 full bath home sits on a premium lot with wooded views in the rear of home. Enter through a spacious foyer that flows into the office, formal dining room, upgraded kitchen and family room. Upgrated kitchen

    FRANCES MANZONI Century 21 Rauh & Johns

    727 Weatherby Dr, Woodbury, NJ 08096
  • /34

    $500,000

    • 4 Beds
    • 3.5 Baths
    • 2,640 Sq Ft

    8 Merganser Ct, Glassboro, NJ 08028

    Welcome to The Reserve at Lake Oberst-A Premier 48+ Community! Enjoy refined living in this Beautifully well-maintained home, featuring 9-foot ceilings and natural light throughout. The spacious kitchen boasts granite countertops. A private office offers a quiet retreat for work or hobbies, while the expansive finished basement provides ample space for relaxation. Step outside to your private

    Mary McManus EXP Realty, LLC

    8 Merganser Ct, Glassboro, NJ 08028
  • /58

    $538,000

    • 4 Beds
    • 2 Baths
    • 2,050 Sq Ft

    896 E Atlantic Ave, Sewell, NJ 08080

    This beautifully rebuilt 4-bedroom, 2 bath home includes a 1,000+ sq ft addition and was thoughtfully designed with quality, comfort, and family in mind. Inside, you’ll find vaulted ceilings with exposed wood beams and solid wide-plank European oak flooring throughout. The custom kitchen features Cambria quartz countertops, a farmhouse fireclay sink, handcrafted cabinetry, and a built-in

    Kristen Recchiuti Romano Realty

    896 E Atlantic Ave, Sewell, NJ 08080
  • /29

    $530,000

    • 5 Beds
    • 2.5 Baths
    • 2,328 Sq Ft

    420 Huntingdon Dr, Williamstown, NJ 08094

    Welcome to this stunning 5 Bedroom 3 Bathroom 2010 build! Currently undergoing a full interior makeover with fresh paint and brand-new carpets, this residence is being prepared to offer a seamless move-in-ready experience. The basement is finished and perfect for a personal Gym or additional entertainment area. Huge backyard with a deck,  firepit and room for a pool!

    Ryan Gehris USRealty.com LLP

    420 Huntingdon Dr, Williamstown, NJ 08094
  • /15

    $319,900

    • 4 Beds
    • 1 Bath
    • 1,370 Sq Ft

    246 Montgomery Dr, Mantua, NJ 08051

    Seller has made several updates and says "get it sold" Don't miss this opportunity to own this spacious 4 bedroom home in Clearview school district. for under $320,000. The home features a updated spacious kitchen with granite countertops, glass tile backsplash, an oversized stainless steel sink. Off the kitchen you have a formal dining room with a cathedral ceiling. Next you enter the bright

    Shannon Petyan Vineland Realty Corp

    246 Montgomery Dr, Mantua, NJ 08051
  • /32

    $405,000

    • 2 Beds
    • 2 Baths
    • 1,530 Sq Ft

    193 Blue Heron Dr, West Deptford, NJ 08086

    Location, Location, Location! This lovely ranch has a great layout. Enter into the open spacious living room/dining room. Follow then to a nice bright and cheery kitchen complete with a breakfast nook. Lots of cabinet spact, kitchen island, and pantry. Overlooks the family room that has a gas fireplace with access to the patio area. The primary bedroom has a walk-in closet along with a triple

    Margie Blair-Thomas Harvest Realty

    193 Blue Heron Dr, West Deptford, NJ 08086
  • /30

    $425,000

    • 4 Beds
    • 2.5 Baths
    • 2,292 Sq Ft

    400 Overbrook Ave, Glassboro, NJ 08028

    Don’t miss out on this 2292 Sq ft 4 bedroom, 2 .5 bath colonial with a basement, an oversized 20 x 38 attached garage that can easily fit two cars, all situated on a corner lot in the desirable Rolling Green neighborhood of Glassboro. As you notice the property has nice curb appeal as you pull up with an updated roof (approx. 9 years), brick and vinyl sided exterior, upgraded Pella casement

    Ron Bruce BHHS Fox & Roach-Mullica Hill South

    400 Overbrook Ave, Glassboro, NJ 08028
  • /15

    $249,000

    • 4 Beds
    • 1 Bath
    • 1,740 Sq Ft

    63 Packard Ave, Woodbury, NJ 08096

    Step into this stunningly renovated Colonial-style gem, ready to welcome its new owner! Tucked away on a peaceful dead-end street, this home offers the perfect blend of privacy and convenience—just minutes from Philadelphia, top hospitals, and great shopping.Start your mornings in the charming enclosed front porch, ideal for coffee and quiet moments. Inside, you’ll find a spacious open-concept

    Luke Romano Romano Realty

    63 Packard Ave, Woodbury, NJ 08096
  • /59

    $1,359,000

    • 4 Beds
    • 3.5 Baths
    • 6,640 Sq Ft

    143 Salvatore Dr, Mullica Hill, NJ 08062

    Why wait to build new construction., This home was fully renovated in 2023. The 6,500 sq. ft. home offers high-end living across three levels, including a rare in-law suite with private entrance. Set on a beautifully landscaped 1-acre lot with new sod, irrigation system, and estate fencing, the property features a low-maintenance deck, lower patio, and a 3-car garage with oversized doors, with

    Melissa Young Compass New Jersey, LLC - Moorestown

    143 Salvatore Dr, Mullica Hill, NJ 08062
  • /46

    $350,000

    • 5 Beds
    • 2.5 Baths
    • 2,545 Sq Ft

    416 Oak Ave, Woodbury Heights, NJ 08097

    This 5-bedroom needs work but the growth and potential are amazing. Bedroom with a 1/2 bath on the 1st floor which could easily be a home office/study. Large walk-in foyer, living room, and gigantic kitchen. Deck off the back. 2nd floor has 3 bedrooms, 1 large full bath and a large storage closet. 3rd floor has 1 bedroom, another large full bath, as well as a small kitchenette. There is a 2-car

    Kenneth Zane Harvest Realty

    416 Oak Ave, Woodbury Heights, NJ 08097
  • /8

    $1,480,000

    • Land
    • 20 Acres
    • $74,335 per Acre

    2165 Delsea Dr, Franklinville, NJ 08322

    19.91 acres of Highway Commercial Land, on two roads, Delsea Drive and Williamstown Road.Across the street from a Bank on corner with traffic light. 736.09' Frontage on Delsea Drive. Rail Road Tracks mark back property line. Three houses on Williamstown Road are NOT included in this sale. Also includes Cell Tower and Billboard, with total income of $27,283.61 per year. Room in front

    Patricia Baer Penzone Realty

    2165 Delsea Dr, Franklinville, NJ 08322
  • /35

    $739,900 Open Sun 3PM - 5PM

    • 4 Beds
    • 3.5 Baths
    • 3,568 Sq Ft

    55 Berkshire Dr, Sewell, NJ 08080

    For Sale: 55 Berkshire Homme – Luxuriously Renovated Home in Windsor Forest Offered at: $739,900 4 Bedrooms | 3.5 Bathrooms | Finished Basement | Nearly Acre Lot Welcome Home to Refined LivingSet on a beautifully landscaped, nearly three-quarter-acre lot in the prestigious Windsor Forest community, this stunningly renovated residence offers a seamless blend of modern design and timeless

    Eric Farhat RE/MAX Preferred - Cherry Hill

    55 Berkshire Dr, Sewell, NJ 08080
  • /59

    $769,900

    • 4 Beds
    • 3 Baths
    • 3,220 Sq Ft

    123 W Tomlin Station Rd, Mickleton, NJ 08056

    Absolutely STUNNING!! Experience unparalleled CUSTOM luxury in this exquisite residence, nestled on a sprawling 4 acre country estate. Spanning over 3,000 square feet of perfectly designed living space with fenced in pastures/grounds, this home offers a unique blend of privacy and sophistication. Upon your arrival this property will capture you from the curb with it's impressive front porch with

    Vincent Grova Pino Agency

    123 W Tomlin Station Rd, Mickleton, NJ 08056
  • /34

    $200,000

    • 2 Beds
    • 2 Baths
    • 1,150 Sq Ft

    3 John Morton Bldg Unit 3, Blackwood, NJ 08012

    First floor 2 bedroom, 2 full bath condominium with a brick fireplace. A little TLC will go a long way. Condo offers bright sunlit rooms & views of sunsets and scenic woods along the back. Brick wood burning fireplace with a brass fireplace screen to keep you toasty on cold days. Kitchen has a newer ceran top stove plus a bonus room that may be used to expand the kitchen. Seller used the

    Brian Belko BHHS Fox & Roach-Washington-Gloucester

    3 John Morton Bldg Unit 3, Blackwood, NJ 08012

Showing Results 281 - 320, Page 8 of 18

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