1,363

Massachusetts Multifamily Homes & Duplexes for Sale

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  • /32

    $1,185,000

    • 6 Beds
    • 3 Baths
    • 3,105 Sq Ft

    103 Central Ave, Chelsea, MA 02150

    Here is an amazing opportunity to own a very well maintained 3 Family home on one of the largest lots in Chelsea. This property is comprised of 3 separate parcels totaling 7,413 sq ft. (101, 103 & 107 Central Avenue). The 1st and 2nd floors are currently occupied (TAW) and are rented at $2150 and $2300 respectively. The 3rd floor is rent ready (est +$2500/mo). It is currently unoccupied,

    James Joly Boardwalk Real Estate

    103 Central Ave, Chelsea, MA 02150
  • /32

    $925,000

    • 5 Beds
    • 6 Baths
    • 4,747 Sq Ft

    879 Long Pond Rd, Plymouth, MA 02360

    Great opportunity with this rare 2017-built single family home featuring a side-by-side, connected in-law suite, all set on over 3.5 private acres with a serene pond, scenic walking trails, and a set-back location off Long Pond Road. The main residence welcomes you with an open floor plan, spacious eat-in kitchen, first-floor master suite, home office, large pantry, and a bright living room,

    Kelly Woolson RE/MAX Real Estate Center

    879 Long Pond Rd, Plymouth, MA 02360
  • /11

    $680,000 Open Sat 11AM - 1PM

    • 7 Beds
    • 4 Baths
    • 4,020 Sq Ft

    202 High St, Fitchburg, MA 01420

    Fully Renovated Duplex – Welcome to 202 High Street, Fitchburg, MA – a beautifully remodeled duplex offering modern living with classic charm. This property has been fully gutted and rebuilt from top to bottom, giving buyers peace of mind with all major systems and finishes brand new. Features & Upgrades • Brand new roof, siding, windows, and doors for long-lasting curb appeal • All new

    David Adams Olde Towne Real Estate Co.

    202 High St, Fitchburg, MA 01420
  • /41

    $580,000 Open Sat 11AM - 1PM

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

    40 Howland Terrace, Worcester, MA 01602

    An exceptional investment or owner-occupant opportunity on Worcester’s West Side, this updated two-family residence blends modern upgrades with classic appeal. Each apartment offers 2 bedrooms, hardwood floors, recessed lighting, and in-unit laundry hookups. The kitchens are thoughtfully updated with stainless-steel appliances, granite countertops, and shaker-style cabinetry. The first floor

    Team ROVI Real Broker MA, LLC

    40 Howland Terrace, Worcester, MA 01602
  • /27

    $10,500,000

    • 5 Beds
    • 6 Baths
    • 9,266 Sq Ft

    148 Huron Ave, Cambridge, MA 02138

    Discover 148 Huron Avenue, Cambridge—a premier investment opportunity with limitless potential for discerning investors and developers. Ideally located near world renowned Harvard University, Fresh Pond Recreation, and bustling shopping areas, this property is a gem in one of Cambridge's most desirable neighborhoods. The existing three-storybuilding offers 9,266 square feet, featuring 4,760

    Greene Group Compass

    148 Huron Ave, Cambridge, MA 02138
  • /19

    $479,900 Open Sun 11AM - 1PM

    • 5 Beds
    • 3 Baths
    • 2,218 Sq Ft

    58 Arlington St Unit 60, Fitchburg, MA 01420

    ***OPEN HOUSE THIS SUNDAY, 11-1***Don’t Miss This Incredible Opportunity! Pride of ownership shows in this well-maintained, move-in ready 3-family home — perfect for an owner-occupant or savvy investor looking to supplement income. The main floor unit will be delivered vacant, offering immediate flexibility.This property boasts:*. Gas heat & solar panels for energy efficiency•All separate

    Svetlana Matveeva Mary Foley Real Estate

    58 Arlington St Unit 60, Fitchburg, MA 01420
  • /40

    $1,800,000

    • 4 Beds
    • 4 Baths
    • 2,576 Sq Ft

    12 Mossland St, Somerville, MA 02144

    INCREDIBLE PORTER SQ LOCATION WITH PARKING... MANSARD VICTORIAN WITH FOUR TOTAL UNITS, TWO ATTACHED TWO FAMILIES... BEING OFFERED AS A PACKAGE AND DELIVERED VACANT... Each attached 2 family is seperately deeded and taxed. Total interior sq ft of both properties is approx 2,576 sq ft w/ a combined lot size of 5000 sq ft. Each property could possibly be converted to single family living. Only 14

    Steve Bremis Steve Bremis Realty Group

    12 Mossland St, Somerville, MA 02144
  • /23

    $1,280,000

    • 12 Beds
    • 3 Baths
    • 4,230 Sq Ft

    41 Oak Island St, Revere, MA 02151

    Welcome to the best deal in town—an investor’s dream! Just a 3-minute walk to historic Revere Beach and the MBTA. Massive 3-family offering over 4,000 sq. ft. across 3 spacious, move-in ready units! Perfect for owner-occupants, multi-gen living, or Airbnb. This home features a total of 12 bedrooms, with individual units offering 3, 4, and 5 bedrooms. Recent upgrades include a brand-new rubber

    Felix Gutierrez Rey Realty Group

    41 Oak Island St, Revere, MA 02151
  • /21

    $695,000 Open Sat 2:30PM - 3:30PM

    • 6 Beds
    • 3 Baths
    • 2,575 Sq Ft

    231 Park St, Attleboro, MA 02703

    Welcome to 231 Park Street, Attleboro a home perfectly located near some of the city’s best attractions. Just minutes away you’ll find the scenic Oak Knoll Wildlife Sanctuary with walking trails and nature views, the family-friendly Capron Park Zoo, and endless fun at Launch Entertainment Park in nearby North Attleboro. This prime location offers the perfect balance of convenience, recreation,

    Marisela Vasquez My Dream Home Realty

    231 Park St, Attleboro, MA 02703
  • /36

    $875,000

    • 2 Beds
    • 1 Bath
    • 1,297 Sq Ft

    12 Mossland St, Somerville, MA 02144

    UNHEARD OF PRICE FOR THIS EXCEPTIONAL PORTER SQ LOCATION! This MANSARD VICTORIAN ATTACHED 2 FAMILY will be DELIVERED VACANT. Family owned for 55 years. Possible conversion to single fam. Basement has approx 8 ft ceilings...Offers a perfect opportunity for expansion. Both Units are three room, one bedroom units. Kitchens are both eat in. On street permit prkng. This home has NO driveway. Hrdwd

    Steve Bremis Steve Bremis Realty Group

    12 Mossland St, Somerville, MA 02144
  • /24

    $899,000

    • 2 Beds
    • 2.5 Baths
    • 1,875 Sq Ft

    908 Main St, Woburn, MA 01801

    3 family muti/use restaurant w/ 2 apartments .... Current owner 29 yrs. Pride of ownership, well maintained, low maintenance property. Approximately 1mile from rt.95 great location.

    Wendell Robinson Advise Realty

    908 Main St, Woburn, MA 01801
  • /37

    $2,700,000 Open Sat 12:30PM - 2PM

    • 8 Beds
    • 5 Baths
    • 5,559 Sq Ft

    9 Hampden St, Wellesley, MA 02482

    Ideally located in the heart of Wellesley Center, 9–11 Hampden Street is a rare offering of gracious proportion, charm and timeless detail. With nearly 5,600 sq. ft. of living space across three sun-splashed finished floors, this stately residence offers 8 bedrooms and versatile living areas awaiting a discerning buyer’s vision. Sited on .37 acres, with a freshly painted interior, it is equally

    Jill Boudreau eXp Realty

    9 Hampden St, Wellesley, MA 02482
  • /26

    $349,900

    • 8 Beds
    • 2 Baths
    • 3,035 Sq Ft

    44-46 Hastings St, Springfield, MA 01104

    Fully Vacant! Spacious 8-bedroom, 2-bathroom multi, perfect for owner occupant or investment. Don’t miss out—call today to schedule your private showing!

    Paul Gallagher Gallagher Real Estate

    44-46 Hastings St, Springfield, MA 01104
  • /13

    $669,999 Open Wed 6PM - 7PM

    • 8 Beds
    • 4 Baths
    • 3,686 Sq Ft

    631 Birch St, Fall River, MA 02724

    Welcome to 631-623 Birch Street, Fall River — A Prime Investment Opportunity! This four-family home boasts significant potential and strong income-producing opportunity. Each unit features two bedrooms with hardwood flooring, eat-in kitchens, separate utilities, and brand-new hot water tanks. The property also offers a backyard deck, vinyl siding, and a generously sized yard. Even more, the

    Kam Goldstone RE/MAX Vantage

    631 Birch St, Fall River, MA 02724
  • /39

    $1,985,000

    • 6 Beds
    • 2.5 Baths
    • 2,836 Sq Ft

    36 Smith Hollow Dr, Edgartown, MA 02539

    Tucked away behind association common land, this year-round compound offers the perfect blend of privacy, space, and flexibility. The post-and-beam main house features four bedrooms and combines timeless character with functional design, ideal for everyday living or seasonal enjoyment. A separate two-bedroom guest house with a welcoming farmer's porch is thoughtfully sited to ensure privacy and

    Katherine Donahue Sandpiper Realty Inc

    36 Smith Hollow Dr, Edgartown, MA 02539
  • /38

    $679,540

    • 6 Beds
    • 2 Baths
    • 2,718 Sq Ft

    19 Brantwood Rd, Worcester, MA 01602

    Highest & best by 9/17 5PM. This immaculate 2-family home offers pride of ownership inside & out. Both units feature 6 rooms, 3 bedrooms & 1 bath with hardwood floors throughout, DELEAD certs & private porches. The backyard is highlighted by a gorgeous trumpet vine that attracts hummingbirds. If you are a birder, you will love this serene retreat. The 2nd-floor unit is vacant & beautifully

    Cindy Leinonen Houseworks Realty

    19 Brantwood Rd, Worcester, MA 01602
  • /22

    $595,000

    • 6 Beds
    • 2 Baths
    • 2,252 Sq Ft

    60 High Ridge Rd, Worcester, MA 01602

    Neat two-family tucked away on a side street on the West Side of Worcester yet convenient to everything: shopping, public transportation, schools, parks, highways, etc. Three bedrooms per unit plus a one car garage. Handy washer/dryer hook-ups in both kitchen areas. The two apartments are almost identical in layout. Long term tenants-at-will in place. The home had replacement windows

    Judith Dow Coldwell Banker Realty - Worcester

    60 High Ridge Rd, Worcester, MA 01602
  • /10

    $8,750,000

    • 27 Beds
    • 19 Baths
    • 10,455 Sq Ft

    36 Colborne Rd, Brighton, MA 02135

    Rare opportunity to acquire a brand-new construction 11-unit property in a prime Brighton location. This luxury building offers a desirable unit mix with high-end kitchens and baths, engineered oak hardwood floors, high ceilings, and custom windows throughout. 10 of the 11 residential units features a private deck, and residents enjoy elevator access, garage parking, bike parking, and a shared

    David Fay Redfin Corp.

    36 Colborne Rd, Brighton, MA 02135
  • /21

    $2,625,000

    • 9 Beds
    • 7 Baths
    • 4,555 Sq Ft

    67 Boston Ave, Somerville, MA 02144

    Introducing LUXURY 2-FAMILY Home of the highest quality and craftsmanship in the sought after DAVIS SQUARE neighborhood. This unique & stunning contemporary house, developed & designed by one of the city's most prestigious teams, offers approx 4,555sf of open living space with 8-9 bedrooms, 7 full bath, 2 Fireplace. Custom imported cabinets, Professional-grade Z-line appliances, Long Quartz

    Derek Greene The Greene Realty Group

    67 Boston Ave, Somerville, MA 02144
  • /10

    $1,199,000

    • 8 Beds
    • 3 Baths
    • 4,496 Sq Ft

    30-32 Starbird St, Malden, MA 02148

    Beautifully renovated two-family home in the heart of Malden offering 8 bedrooms and 3 bathrooms over 4,400 sq. ft. (incl. 1,136 sq. ft. basement). Thoughtfully updated from top to bottom including electrical, plumbing, kitchens, baths, lighting, and finishes, this property blends modern comfort with timeless character. Each unit features spacious living and dining rooms, large eat-in kitchens,

    Matthew Soignoli LAER Realty Partners

    30-32 Starbird St, Malden, MA 02148
  • /26

    $695,000 Open Sat 12PM - 1:30PM

    • 9 Beds
    • 4 Baths
    • 3,321 Sq Ft

    301 Davis St, New Bedford, MA 02746

    Well-maintained and offering both strong income potential and comfortable living, this three-family residence is a rare opportunity. The property features a newer roof, replacement windows, and thoughtfully designed open floor plans. Each unit includes three generously sized bedrooms, a full bath, efficient space heating, and beautiful hardwood floors. All three levels are currently rented TAW at

    Venetia Belleton EZ Realty Brokerage, LLC

    301 Davis St, New Bedford, MA 02746
  • /34

    $345,000

    • 3 Beds
    • 2 Baths
    • 1,479 Sq Ft

    244 Pleasant St, Southbridge, MA 01550

    Very nicely maintained 2 unit home that would be perfect for an OWNER OCCUPANT or as an INCOME PROPERTY. Located up high on a hill, in a neighborhood that has the character of a historic New England town. Located just 8 minutes from the I-90,I-84 interchange -- makes it a great COMMUTER LOCATION. The first floor unit has 2 bedrooms, an open kitchen/dining area, living room, a fully ENCLOSED PORCH

    Moira McGrath Keller Williams Pinnacle Central

    244 Pleasant St, Southbridge, MA 01550
  • /41

    $2,800,000

    • 4 Beds
    • 2 Baths
    • 2,843 Sq Ft

    127 Auburn St, Cambridge, MA 02139

    Fantastic opportunity for a homeowner or developer! Originally built as a two-family and now enjoyed as a spacious single-family, this handsome 10-room home offers five bedrooms, two full baths, and a blend of practical and tasteful updates. Numerous original details, including glass doorknobs, picture rails, decorative columns, and china cabinets, enhance the character. Breezy flow with 9 ft

    Nancy Kramer Coldwell Banker Realty - Cambridge

    127 Auburn St, Cambridge, MA 02139
  • /38

    $749,999

    • 6 Beds
    • 2.5 Baths
    • 2,107 Sq Ft

    2 S Summer St, Haverhill, MA 01835

    Multi-family Opportunity in Bradford! Welcome to this exceptional side-by-side two-family home located in the Bradford area! Just minutes from Haverhill’s vibrant downtown, the commuter rail station, and the new Haverhill Rail Trail, this property offers both convenience and charm. Each unit boasts 6 spacious rooms, including 3 generously sized bedrooms with ample closet space, eat-in kitchens,

    Michelle Fermin Century 21 North East

    2 S Summer St, Haverhill, MA 01835
  • /26

    $899,900

    • 5 Beds
    • 3 Baths
    • 3,499 Sq Ft

    59 Carlson Ave, Revere, MA 02151

    Unlock the potential of 59 Carlson Ave, Revere, MA—a spacious multi-family home located in desirable West Revere. This property is brimming with possibilities, offering 5 bedrooms and 2.5 bathrooms across an impressive 3,499 sq. ft. of living space. Whether you’re seeking an investment opportunity or envisioning a home to customize to your lifestyle, the flexible floor plan provides endless

    Dan O'Connell LAER Realty Partners

    59 Carlson Ave, Revere, MA 02151
  • /42

    $950,000 Open Sun 12PM - 2PM

    • 4 Beds
    • 2 Baths
    • 2,972 Sq Ft

    151 Plymouth St Unit 151A, Halifax, MA 02338

    Rare find!!! Ideal for extended multi-generational living/in-law/2 family!This gorgeous property is surrounded by woodlands and also offers direct water views of Monponsett Lake (from both inside/outside of the property). Features include a beautiful large open deck, an oversized patio, large enclosed sun room, a bright sunny/heated sitting room, a 3 car garage,and expansive grasslands to enjoy

    Janice Hathaway Venture

    151 Plymouth St Unit 151A, Halifax, MA 02338
  • /29

    $1,595,000

    • 5 Beds
    • 3 Baths
    • 1,902 Sq Ft

    290 Washington St, Marblehead, MA 01945

    Welcome to 290 Washington Street, a fully renovated 3-family residence just outside historic Old Town Marblehead. This exceptional property is steps from dozens of restaurants, shops, markets, and the iconic Warwick Theatre. Each unit features in-unit laundry, central AC, Anderson windows, fully equipped gas fueled kitchens with quartz countertops and large custom bathrooms. All new systems

    Matthew Gateman Lokos Realty & Management

    290 Washington St, Marblehead, MA 01945
  • /31

    $999,900

    • 4 Beds
    • 2 Baths
    • 2,308 Sq Ft

    30 Park St, Wakefield, MA 01880

    For the first time in more than 50 years this home is ready to welcome its next chapter. This spacious two-family home has been well loved and well cherished over the years and offers abundant room for today’s living along with exciting possibilities for updates and customization. The first-floor unit offers flexible one- or two-bedroom potential, while the second-floor unit spans two levels,

    Kristi Connors - Taylor Coldwell Banker Realty - Lexington

    30 Park St, Wakefield, MA 01880
  • /40

    $949,000

    • 7 Beds
    • 5 Baths
    • 2,410 Sq Ft

    75 Bowers St, Lowell, MA 01854

    Charming five-unit, fully renovated multi-family property, just steps from UMass Lowell’s North Campus. Built circa 1900 and refurbished in 2019, this well-maintained building features three one-bedroom units and two two-bedroom units, encompassing a total of 7 bedrooms and 5 baths. Modern systems include updated plumbing, electrical, a monitored fire-alarm system, sprinkler system, security

    Spiro Skinsacos LAER Realty Partners

    75 Bowers St, Lowell, MA 01854
  • /42

    $599,900

    • 5 Beds
    • 2.5 Baths
    • 2,674 Sq Ft

    7 W Hampton St, Worcester, MA 01610

    Lovingly cared for two family in Worcester. Two units. Unit 1 is vacant & offers beautiful original hardwood floors, tall ceilings , stunning fireplace/mantle, built in cabinets, & decorative pillar openings between rooms. There are two floors to unit 1 offering 3 bedrooms & 1 full bath, a spacious eat in kitchen, dining room & living room. The lower level unit 2 offers 2 bedrooms and 1 full bath

    The Riel Estate Team Keller Williams Pinnacle Central

    7 W Hampton St, Worcester, MA 01610
  • /40

    $1,099,000

    • 6 Beds
    • 2.5 Baths
    • 2,908 Sq Ft

    7-9 Buxton Ct, Andover, MA 01810

    2 family with upgrades to 7 Buxton! ! A rare opportunity to own a spacious two-family property in the heart of downtown Andover! #7 offers 3 generous bedrooms,1 full bath, and high ceilings to add to the character. Upgrades that were done to #7 were new LVT flooring in the kitchen and porch. Cedar engineered wood siding on walls of the porch with ceiling, walls and trim painted. All hardwood

    Team Lillian Montalto Lillian Montalto Signature Properties

    7-9 Buxton Ct, Andover, MA 01810
  • /12

    $4,700,000

    • 11 Beds
    • 10.5 Baths
    • 4,211 Sq Ft

    12 Grove St, Boston, MA 02114

    Introducing 12 Grove Street, a fully restored six-unit building in the heart of historic Beacon Hill. This prime asset offers a blend of classic Boston character and modern infrastructure, presenting a turnkey investment with proven rental history and significant appreciation potential. Renovated in 2012, the building features new plumbing, electrical systems, windows, kitchens, and baths, along

    Eliott Levine Olde Forge Realty

    12 Grove St, Boston, MA 02114
  • /15

    $929,000

    • 14 Beds
    • 4 Baths
    • 5,019 Sq Ft

    7 Winthrop St, Worcester, MA 01604

    TURN KEY! Recently renovated 4-family at 7 Winthrop St in Worcester with garage parking and separate utilities! Unit 3 is vacant, perfect for owner-occupancy or immediate rental income. Updates include a brand-new kitchen, bathroom, floors, appliances, gas furnace with new ductwork, electric meter, and fresh paint throughout. Investors will appreciate the low-maintenance setup and strong rental

    Tal Klayman Stuart St James, Inc.

    7 Winthrop St, Worcester, MA 01604
  • /42

    $849,000

    • 9 Beds
    • 3 Baths
    • 3,244 Sq Ft

    119 Rodney St, Worcester, MA 01605

    This home was rebuilt in 2023 after a fire ~~ Updates include brand-new windows, siding, roof, flooring, front porch, plumbing, and electrical systems ~~ Each unit features three spacious bedrooms, a full bathroom, and laundry area ~~ Kitchens are equipped with granite countertops and ss appliance~~Foam Insulation~~ All floors come with up-to-date compliance lead certificates ~~ Property is

    Hanh Vuong Century 21 XSELL REALTY

    119 Rodney St, Worcester, MA 01605
  • /24

    $989,900

    • 6 Beds
    • 5 Baths
    • 3,346 Sq Ft

    935 Revere Beach Pkwy, Revere, MA 02151

    This exceptional two-family residence offers over 3,000 sq ft of well-designed living space with six spacious bedrooms, three full bathrooms, and two half baths. Recent updates, including a new roof (2023) and exterior painting (2021), ensure peace of mind and lasting value. Unit 2 also features an in-unit washer and dryer hookup for added convenience. Perfect for multi-generational living or

    Team Lillian Montalto Lillian Montalto Signature Properties

    935 Revere Beach Pkwy, Revere, MA 02151
  • /39

    $1,100,000

    • 4 Beds
    • 3 Baths
    • 3,100 Sq Ft

    308 Willow Ave, Haverhill, MA 01835

    Bradford’s OH-MY-GOD HOME with ADU! Every finish in this showpiece will stop you in your tracks — it’s all about LUXURY, STYLE, and VERSATILITY. The MAIN HOME features 3 BEDROOMS + OFFICE, 2 FULL BATHS, and a CHEF’S KITCHEN with QUARTZ ISLAND, DESIGNER LIGHTING, and BLACK HARDWARE. Enjoy engineered HARDWOOD FLOORS throughout, a PRIVATE BACKYARD, and a 2-CAR GARAGE. The spacious living room boasts

    Kristina Listapad Coldwell Banker Realty - Andovers/Readings Regional

    308 Willow Ave, Haverhill, MA 01835
  • /42

    $675,000

    • 9 Beds
    • 3 Baths
    • 3,906 Sq Ft

    83 Ruth St, New Bedford, MA 02744

    Well-maintained 3-family property located in New Bedford’s South End. Each spacious unit offers 3 bedrooms and 1 bathroom. Unit 1 is currently vacant, offering an excellent opportunity for an owner-occupant or investor. Units 2 and 3 are leased, providing steady rental income to help offset mortgage costs. The property includes a driveway with parking for up to 3 vehicles plus a garage for

    Jhon Quintero M. Celata Real Estate

    83 Ruth St, New Bedford, MA 02744
  • /39

    $995,000 Open Wed 11:45AM - 1:15PM

    • 6 Beds
    • 2 Baths
    • 1,864 Sq Ft

    9 Bowdoin St, Somerville, MA 02143

    Nestled on a quiet residential street, this charming two-family home offers the perfect blend of urban convenience and neighborhood tranquility. Just minutes from Davis Square, Inman Square, and only a short bike ride to the Union Square Green Line station, this property is a rare opportunity for both homeowners and investors. The home features two sun-filled units: Unit 1: 2 bedrooms, 1 bath –

    Allen Pierce eXp Realty

    9 Bowdoin St, Somerville, MA 02143
  • /25

    $475,000

    • 7 Beds
    • 3 Baths
    • 3,065 Sq Ft

    192-194 Westford Ave, Springfield, MA 01109

    Welcome to 192-194 Westford Ave, a generously sized multi-family home offering 14 rooms, 7 bedrooms, and 3 full bathrooms across three levels. Whether you're an investor seeking rental income or a homeowner looking for multi-generational living, this property provides versatile living spaces and ample opportunity. The first-floor unit features 2 bedrooms, a living room, dining room, kitchen, and

    The Hamre Group Real Broker MA, LLC

    192-194 Westford Ave, Springfield, MA 01109
  • /18

    $965,000

    • 4 Beds
    • 2 Baths
    • 2,303 Sq Ft

    22 Newton Ave, Quincy, MA 02170

    Location! Location! Location! Rare two-family home on market for the first time in over 20 years! Conveniently located on a quiet, tree-lined street in the heart of Wollaston—short distance from Wollaston T Station, restaurants, shops, and more. This classic duplex offers 2,303 square feet of living space across two bright, spacious units. With a total of five bedrooms and two full bathrooms, the

    Marco Kalok Chan Thread Real Estate, LLC

    22 Newton Ave, Quincy, MA 02170

Showing Results 121 - 160, Page 4 of 18

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