507

Monmouth County NJ 1-Story Homes for Sale

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  • /25

    $3,000,000

    • 4 Beds
    • 3.5 Baths
    • 2,558 Sq Ft

    205 Edgemont Dr Unit 2, Allenhurst, NJ 07711

    An architecturally refined, fully renovated waterfront residence set on Deal Lake, just one block from the beach, offering elevated coastal living in Loch Arbour. Located within a boutique elevator building, this expansive full-floor residence features 4 bedrooms and 3.5 bathrooms, with convenient parking in the private rear lot. Filled with exceptional natural light, the home offers multiple

    Kerrin O'Brien O'Brien Realty, LLC

    205 Edgemont Dr Unit 2, Allenhurst, NJ 07711
  • /40

    $615,000

    • 2 Beds
    • 2 Baths
    • 1,354 Sq Ft

    1 Channel Dr Unit 206, Monmouth Beach, NJ 07750

    Experience coastal living at Channel Club Towers. This second-floor condo features 2 spacious bedrooms and 2 full bathrooms. Recent 2025/2026 upgrades include all new windows, sliding glass door to the balcony, updated electrical panel and a new PTAC heating/cooling system in the primary bedroom. The condo can also be offered fully furnished, providing effortless coastal living! Residents enjoy

    Stephanie Kroll C21 Thomson & Co.

    1 Channel Dr Unit 206, Monmouth Beach, NJ 07750
  • /21

    $389,900

    • 2 Beds
    • 1 Bath
    • 1,144 Sq Ft

    71 Patrick Henry Square Unit A, Freehold, NJ 07728

    Step into adult community at its FINEST -The Villages in Freehold.This 2 bed/1 bath home features hardwood floors along with upgraded floors throughout. The spacious kitchen has granite counters along with a fabulous breakfast island featuring SS appliances and roomy pantry. Recently updated bathroom has a decorative step in tiled shower stall for convenience. All season room is enclosed w/tile

    Leonard Reina Coldwell Banker Realty

    71 Patrick Henry Square Unit A, Freehold, NJ 07728
  • /23

    $1,800,000

    • 3 Beds
    • 3 Baths
    • 1,751 Sq Ft

    350 Ocean Ave Unit 403, Long Branch, NJ 07740

    Live the South Beach Lifestyle!!!Experience luxury coastal living at this stunning 3-bedroom, 3-bath condominium with breathtaking ocean views in the sought-after South Beach community. Designed for both comfort and sophistication, this residence offers the perfect blend of seaside serenity and modern convenience. South Beach is more than a place to live—it's a destination. Residents enjoy

    Barbara Carr Mahon Berkshire Hathaway HomeServices Fox & Roach - Rumson

    350 Ocean Ave Unit 403, Long Branch, NJ 07740
  • /27

    $276,000

    • 2 Beds
    • 2 Baths
    • 1,130 Sq Ft

    162 Cross Slope Ct Unit A, Manalapan, NJ 07726

    Newly listed in the desirable Covered Bridge Community. This well maintained first floor home offers 1120 sq .ft. of living space, featuring two bedrooms and two full baths which provide for comfortable and convenient one-level living. The home features a bright open layout with generous living and dining areas, ample closet space and easy accessibility. The eat-in kitchen has newer upgraded

    Leon Burach Weichert Realtors-Manalapan

    162 Cross Slope Ct Unit A, Manalapan, NJ 07726
  • /22

    $545,000

    • 1 Bed
    • 1 Bath
    • 720 Sq Ft

    1382 Ocean Ave Unit A9, Sea Bright, NJ 07760

    Well maintained, end-unit condo with waterviews features an open floor plan highlighted by Italian imported Naturalia porcelain tile flooring. Recent improvements include newer windows, updated electrical panels and air conditioning units offering comfort and efficiency. The bathroom is a standout, showcasing Italian imported tilework and new shower doors. This property offers the perfect

    Michael Smith Weichert Realtors-Rumson

    1382 Ocean Ave Unit A9, Sea Bright, NJ 07760
  • /14

    $399,000

    • 2 Beds
    • 1 Bath

    312 Elmwood Dr, Keyport, NJ 07735

    Welcome to this well maintained ranch in Aberdeen Township. Why rent when you can own. This home has 2 bedrooms, 1 full bath and includes a bonus attic space. During the summer months relax in your backyard with your above ground pool. BBQ on the deck. Close to major highways, downtown Keyport, Belford ferry, & around 20 minutes from the Netflix studio. Make your showing appointment today.

    Ashley Pryszcz Keller Williams Realty West Monmouth

    312 Elmwood Dr, Keyport, NJ 07735
  • /12

    $1,120,000 New Construction

    • 2 Beds
    • 2 Baths
    • 1,131 Sq Ft

    665 2nd Ave Unit 308, Long Branch, NJ 07740

    SPRING INCENTIVE! 1 YEAR OF PAID HOA! Welcome to The Inkwell Condominium, a boutique collection of one- and two-bedroom homes just moments from Long Branch shoreline.Residence 308 is a spacious two-bedroom, two-bath home offering 1,131 square feet of interior living space. This corner split two bedroom home has an 87 square foot, balcony perfect for enjoying morning light and ocean breezes.

    Matthew Drennan NRT New York, LLC

    665 2nd Ave Unit 308, Long Branch, NJ 07740
  • /26

    $610,000 Open Fri 11AM - 3PM

    • 1 Bed
    • 2 Baths
    • 1,041 Sq Ft

    3 5th Ave Unit 106, Neptune City, NJ 07753

    These upscale residences are designed with amenities and features not normally found in this price range. They are less than a mile to the ocean and a block to the Bradley Beach train station. Open ''Flex'' space is perfect as a Dining Room, Den or Office. Take advantage of this opportunity now to enjoy the luxurious ocean-view roof deck, secure parking, fitness center, Andersen windows, and

    Brian Church Berkshire Hathaway HomeServices Fox & Roach - Spring Lake

    3 5th Ave Unit 106, Neptune City, NJ 07753
  • /24

    $1,550,000

    • 4 Beds
    • 3 Baths
    • 1,968 Sq Ft

    608 Deal Rd, Ocean, NJ 07712

    Located in sought-after West Deal on the Jersey Shore. This ranch-style home offers four bedrooms and three full bathrooms with an ideal layout for comfortable living. Enjoy a spacious eat-in kitchen, living room, and dining area, all designed for easy indoor-to-outdoor flow. Step outside to a resort-style backyard featuring an inground swimming pool, Jacuzzi, outdoor pergola lounge, and a

    Esther Silvera Silvera Realty Co.

    608 Deal Rd, Ocean, NJ 07712
  • /29

    $619,999 Pre-Foreclosure

    • 4 Beds
    • 3 Baths
    • 1,820 Sq Ft

    28 Florence Ave, Leonardo, NJ 07737

    Come and take a look at this amazing seashore colonial with a separate guest house. Located in beautiful Leonardo, it is just a short drive to the beach, and very close to the NYC ferry and NJ Transit bus and train. The perfect getaway home for those looking for peace and tranquility. Feel the ocean breezes from your deck, take a stroll down to the marina, or walk out to the bay for views of

    Mark Taylor RE/MAX Achievers

    28 Florence Ave, Leonardo, NJ 07737
  • /49

    $534,000

    • 1 Bath
    • 461 Sq Ft

    700 N Ocean Ave Unit 401, Spring Lake, NJ 07762

    Step into your own private paradise at The Essex & Sussex, the premier oceanfront gem of Spring Lake. Offering an unbeatable blend of tranquility and luxury, this south-west facing unit offers sparkling water views of the Spring Lake and Atlantic Ocean. As the largest studio in the building, there are ample opportunites to create distinct spaces. The expansive balcony will hold you and your

    Aileen Byrne-Fahy Berkshire Hathaway HomeServices Fox & Roach - Spring Lake

    700 N Ocean Ave Unit 401, Spring Lake, NJ 07762
  • /25

    $379,900

    • 2 Beds
    • 2 Baths

    53 Farnworth Close, Freehold, NJ 07728

    PICTURESQUE LOCATION IN SURREY DOWNS! This 2-bedroom, 2-bath Hampshire model is ideally situated in one of the community's most desirable sections, backing up to a local farm with breathtaking sunset views. The light-filled open floor plan showcases luxury vinyl plank flooring throughout, creating a warm and cohesive flow. Enter to find a large living room and office area perched under the large

    River Giberson C21 Thomson & Co.

    53 Farnworth Close, Freehold, NJ 07728
  • /28

    $299,999

    • 2 Beds
    • 1 Bath
    • 896 Sq Ft

    23 Datchet Close Unit 1000, Freehold, NJ 07728

    Welcome to Surrey Downs, a 55+ community situated in a landscaped community complete w/ activities amenity, pool & clubhouse. The freshly painted home features 2 bedrooms and a full bath. The living room boost a gas fireplace ' The kitchen has plenty of room for entertaining and the laundry room is off the kitchen. The patio is covered and has a storage area conveniently located next to the

    Donna Manetta C21/ Action Plus Realty

    23 Datchet Close Unit 1000, Freehold, NJ 07728
  • /24

    $230,000 Pre-Foreclosure

    • 2 Beds
    • 1 Bath
    • 632 Sq Ft

    90 Washington Ave, Keansburg, NJ 07734

    Welcome to 90 Washington Avenue in Keansburg, a great opportunity just minutes from the Raritan Bay shoreline. This property offers strong potential for homeowners, investors, or buyers looking to customize a home near the water. The home sits on a quiet residential street while still being conveniently located near the Keansburg waterfront, beaches, boardwalk, and local dining. Commuters will

    Alec Wolf HomeSmart First Advantage Realty

    90 Washington Ave, Keansburg, NJ 07734
  • /17

    $3,800,000

    • 3 Beds
    • 3.5 Baths
    • 1,737 Sq Ft

    392 Ocean Ave Unit 1207, Long Branch, NJ 07740

    NEW CONSTRUCTION - The Atlantic Club Residences is Long Branch's premier oceanfront community, where art and architecture unite to create a modern landmark. Featuring 132 luxury residences with open layouts, private terraces or balconies, and curated finishes, every home is designed to capture the elegance of coastal living. Gourmet kitchens include porcelain countertops, waterfall islands,

    Teresa Minnick Christies Int'l RE Group

    392 Ocean Ave Unit 1207, Long Branch, NJ 07740
  • /12

    $379,000

    • 2 Beds
    • 1 Bath
    • 826 Sq Ft

    817 Shore Concourse, Keyport, NJ 07735

    Your chance to own! This charming 2-bedroom home with living and dining space is ready for your vision. Ideal for first-time buyers or investors. Enjoy a prime Keyport location near shopping, dining, major highways and the waterfront!

    Josephine Wilson Keller Williams Realty Monmouth/Ocean

    817 Shore Concourse, Keyport, NJ 07735
  • /17

    $309,000

    • 2 Beds
    • 1.5 Baths
    • 1,008 Sq Ft

    93 Halls Croft Rd Unit D, Freehold, NJ 07728

    Well maintained 2 bedroom 1 .5 bath Condo in desirable Villages Adult 55 community . Custom kitchen cabinets, marble counter tops , stain less appliances, heated 4 seasons room, paver patio. Motivated seller. Make all offers known

    Anthony Guglieri Prime Time Real Estate Inc.

    93 Halls Croft Rd Unit D, Freehold, NJ 07728
  • /11

    $245,000

    • 1 Bed
    • 1 Bath
    • 950 Sq Ft

    96 White St, Eatontown, NJ 07724

    Completely renovated from the studs. 1-bedroom upper-level unit in heart of Eatontown, close to Fort Monmouth and Netflix redevelopment! The unit has new kitchen with new stainless-steel appliances, beautiful glass backsplash, granite tops, and white shaker style cabinets. New European style bath dressed in tile throughout, new fixtures, new floors, new heating baseboards and digital thermostats,

    Maria Gergatsoulis KELLER WILLIAMS REALTY

    96 White St, Eatontown, NJ 07724
  • /23

    $649,000

    • 3 Beds
    • 1 Bath
    • 1,400 Sq Ft

    298 Broad St, Matawan, NJ 07747

    Completely renovated Three Bedroom one bath Ranch in Desirable Matawan New Jersey. New Roof, new siding and windows, Wide plank flooring, custom kitchen cabinets with quartz counters, stainless appliances, new electric , Tankless hot water baseboard heat and water heater. Custom porcelain tiled bathroom, garage, and spacious backyard. The prime location is walking distance to the Matawan Train

    Anthony Guglieri Prime Time Real Estate Inc.

    298 Broad St, Matawan, NJ 07747
  • /26

    $639,000

    • 2 Beds
    • 2 Baths
    • 1,272 Sq Ft

    1 Scenic Dr Unit PH 10, Highlands, NJ 07732

    Bring your imagination and decorator to make this fabulous hillside unit your own. Beautiful views of Monmouth County. Water views of the coastline from the master bedroom and balcony. Spacious unit offers the convenience of your own washer and dryer as well as individual room controls for heating and air conditioning. Enjoy a wonderful Eastpointe lifestyle with an active social committee, heated

    David Mintzer VRI Homes

    1 Scenic Dr Unit PH 10, Highlands, NJ 07732
  • /22

    $425,000

    • 2 Beds
    • 2 Baths
    • 1,189 Sq Ft

    187 Tulip Ln, Freehold, NJ 07728

    Move-in ready and fully renovated condo at 187 Tulip Ln in Freehold. This unit offers new bathrooms, new flooring throughout, and a modern kitchen with quartz countertops, new cabinetry, and stainless steel appliances. Recessed dimmable lighting enhances the contemporary design. Enjoy a large private patio and Raintree community amenities including golf course, pool, fitness center, and tennis

    Vadim Gelfenbeyn Realty One Group Central

    187 Tulip Ln, Freehold, NJ 07728
  • /31

    $319,900

    • 2 Beds
    • 1 Bath
    • 1,130 Sq Ft

    19 Pine Cluster Cir Unit A, Manalapan, NJ 07726

    Welcome to this fully renovated first-floor condo in the desirable Covered Bridge community. This spacious two-bedroom home features an updated kitchen and bathroom, beautiful wood flooring, and recessed lighting throughout. Enjoy year-round comfort with a new baseboard heating system, and the convenience of a top-of-the-line washer and dryer included. Ideally located near Union Hill Road, this

    Olga Orak Dreamlife Realty Services Corp

    19 Pine Cluster Cir Unit A, Manalapan, NJ 07726
  • /7

    $372,600 Coming Soon

    • 2 Beds
    • 1 Bath
    • 1,008 Sq Ft

    137 Halden Strasse Unit C, Freehold, NJ 07728

    Coming Soon - Showings Begin 5/14!Welcome to this beautifully updated, move-in-ready 2-bedroom, 1-bath Lucerne model with garage, ideally tucked away at the end of a quiet cul-de-sac. This turnkey home features a stunning newer eat-in kitchen with stainless steel appliances, quartz countertops, and elegant porcelain flooring--perfect for both everyday living and entertaining.The spacious

    Anita Paris Berkshire Hathaway HomeServices Fox & Roach - Manalapan

    137 Halden Strasse Unit C, Freehold, NJ 07728
  • /46

    $674,900

    • 3 Beds
    • 1 Bath
    • 1,524 Sq Ft

    3024 W Bangs Ave, Neptune, NJ 07753

    Welcome to your own private retreat on one of Neptunes most extraordinary lots.This charming 3 bdrm home sits on a remarkable expansive 85x488 piece of property-a rare find! Step inside to discover a freshly painted interior featuring a generous living rm & inviting dining rm. The big kitchen offers plenty of room to cook up a storm for family & friends. Cute mudroom & full basement for extra

    Bonnie Hogan Nelson Realtors

    3024 W Bangs Ave, Neptune, NJ 07753
  • /34

    $965,000

    • 3 Beds
    • 2 Baths
    • 2,221 Sq Ft

    38 Riva Ridge Rd, Manalapan, NJ 07726

    This is what you came for! This stunning and meticulously kept expanded Martinique with finished walk-out basement is loaded with upgrades. The beautifully finished basement features nearly 1,500 additional square feet of living space, plus 4 additional walk-in closets. Basement also boasts an additional ~700 sq. ft. of storage. Custom tray ceilings in the main living area & primary bedroom.

    Spencer Freedman Keller Williams Realty West Monmouth

    38 Riva Ridge Rd, Manalapan, NJ 07726
  • /24

    $2,700,000

    • 2 Beds
    • 2 Baths
    • 1,370 Sq Ft

    392 Ocean Ave Unit 1801, Long Branch, NJ 07740

    Elevated coastal living at The Atlantic Club Residences. This exceptional two-bedroom home features expansive wraparound terraces that capture stunning natural light and refreshing ocean breezes. The open-concept layout includes high-end appliances, custom finishes, and elegant living and dining areas ideal for relaxing or entertaining. Residents enjoy over 75,000 sq. ft. of resort-style

    Teresa Minnick Christies Int'l RE Group

    392 Ocean Ave Unit 1801, Long Branch, NJ 07740
  • /14

    $350,000

    • 2 Beds
    • 1.5 Baths
    • 1,197 Sq Ft

    14-3 Sacramento Ct, Freehold, NJ 07728

    Welcome to this Spacious lower level 2 bedrooms 1.5 baths plus den/office, condo in Deerbrook, Freehold Twp. Home features: livingroom/dining room combo, updated kitchen, den/office (possible 3rd bedroom) with large closet & sliders open to the patio, both bedrooms with walk-in-closet, laundry room with washer/dryer & storage space. Close to shopping/dining & public transportation. Great school

    Rajeshri Masher Weichert Realtors-Freehold

    14-3 Sacramento Ct, Freehold, NJ 07728
  • /18

    $423,000

    • 3 Beds
    • 2 Baths
    • 1,130 Sq Ft

    713 Morningside Ave, Union Beach, NJ 07735

    Beautiful 3-bedroom, 2-bathroom shore home just blocks from the beach! Fully renovated to the studs in 2008. Perfect for year-round shore living. Master bedroom with private en-suite. No flood insurance required -- a rare find in Union Beach! All appliances included: fridge, dishwasher, washer & dryer. Brand new front porch. 2 blocks to bus stop (direct to NYC). 2 miles to Hazlet Train Station

    Robert Bornstein 1-2-3 REALTORS

    713 Morningside Ave, Union Beach, NJ 07735
  • /29

    $869,000

    • 1 Bed
    • 2 Baths
    • 1,493 Sq Ft

    510 Monroe Ave Unit 401, Asbury Park, NJ 07712

    Nestled in the heart of downtown, this modern boutique building places you at the center of Asbury Park's top-rated downtown & just blocks to the beach. At nearly 1,500 square feet, this one-bedroom + flex-spaces is the largest in the building, offering unmatched flexibility with one of the largest open-concept layouts in all of Asbury. The expansive footprint & alcove spaces allow for a home

    James Kesling Sackman Realty

    510 Monroe Ave Unit 401, Asbury Park, NJ 07712
  • /18

    $435,000

    • 2 Beds
    • 2 Baths
    • 1,051 Sq Ft

    437 Hampton Ct Unit 12-1, Manalapan, NJ 07726

    Move right into one of the most attractive opportunities in desirable Towne Pointe. Offering immediate occupancy, this beautifully updated 2BR/2BA condo is a true turnkey opportunity with stylish upgrades, a bright open layout, and a price point that stands out in today's market. Purchased just six months ago, yet not lived in, the home feels fresh, pristine, and exceptionally well maintained.

    Theano Meyers Berkshire Hathaway HomeServices Fox & Roach - Manalapan

    437 Hampton Ct Unit 12-1, Manalapan, NJ 07726
  • /18

    $300,000

    • 2 Beds
    • 2 Baths

    1919 Atlantic Ave Unit 51, Manasquan, NJ 08736

    Experience the best of Jersey Shore living in the highly sought-after Shore Acres 55+ community. This completely updated home offers a rare blend of modern luxury and a prime ''park-like'' location. Step inside this stunning 2-bedroom, 2-full bath residence featuring high-end finishes throughout and a larger addition with full heat and AC for year-round comfort. This premier lot backs directly to

    Erik Fatovic Keller Williams Realty Ocean Living

    1919 Atlantic Ave Unit 51, Manasquan, NJ 08736
  • /18

    $649,000

    • 1 Bed
    • 1 Bath
    • 976 Sq Ft

    55 Melrose Terrace Unit 407, Long Branch, NJ 07740

    Experience coastal living at its finest in this beautifully situated one-bedroom, one-bath condominium in the highly sought-after Pier Village. Located just steps from the boardwalk, beach, restaurants, and shops, this unit offers both convenience and a relaxed coastal setting. The condo features a private balcony with ocean views, along with access to building amenities including secure entry, a

    Mark Gardner O'Brien Realty, LLC

    55 Melrose Terrace Unit 407, Long Branch, NJ 07740
  • /28

    $734,900

    • 3 Beds
    • 2 Baths
    • 1,724 Sq Ft

    35 Woodland Dr, Middletown, NJ 07748

    Discover an inviting and beautifully maintained home offering the perfect blend of comfort, style, and convenience. From the moment you step inside, you're greeted by warm natural light, generous room sizes, and a layout designed for easy everyday living as well as effortless entertaining. Every space feels welcoming, functional, and thoughtfully cared for.The main level features a seamless flow

    Antoinette Pagano Keller Williams Realty West Monmouth

    35 Woodland Dr, Middletown, NJ 07748
  • /45

    $795,000

    • 3 Beds
    • 2 Baths
    • 1,576 Sq Ft

    7 Sunset Ave, Matawan, NJ 07747

    Nestled in Matawan's sought-after Edgemere Heights, this updated mid-century ranch offers 3 bedrooms, 2 full baths, an open layout, and sits on nearly 1/3 acre. Minutes to trains, buses, downtown, shopping, and the Garden State Parkway. A covered porch leads to a bright living room with a wood-burning fireplace and picture window. The kitchen features shaker cabinets, quartz counters, stainless

    Susan Marcrie RE/MAX Innovation

    7 Sunset Ave, Matawan, NJ 07747
  • /18

    $1,375,000

    • 4 Beds
    • 4.5 Baths
    • 1,740 Sq Ft

    377 Westwood Ave, Long Branch, NJ 07740

    Ideally situated less than one mile from the Long Branch train station, beach, hospital, and the future Health, Wellness & Technology Center, this move-in ready home offers outstanding convenience and versatility. The main level features a spacious living and dining area, with a rear kitchen providing easy access to the backyard—perfect for indoor-outdoor living. The primary bedroom includes a

    Esther Silvera Silvera Realty Co.

    377 Westwood Ave, Long Branch, NJ 07740
  • /31

    $499,000

    • 3 Beds
    • 1.5 Baths
    • 1,432 Sq Ft

    723 Monmouth Pkwy, North Middletown, NJ 07748

    This cozy, modern home offers a smart and inviting layout with three bedrooms, one full bath, and a convenient half bath. Designed for comfortable everyday living, the space feels warm and functional with a layout that maximizes usability. The basement features a private exterior entrance, providing added flexibility for storage or additional use. Situated on a level lot, the property is easy to

    Erin Yetman C21 Thomson & Co.

    723 Monmouth Pkwy, North Middletown, NJ 07748
  • /19

    $534,999

    • 3 Beds
    • 2 Baths

    20 Nottingham Dr, Howell, NJ 07731

    Come step into this cozy ranch style home. The house is located on a quiet street and offers a well-maintained yard for entertaining. Don't Miss Out to make this home your own. This home is being SOLD AS-IS. This Sale Will be Contingent on sellers finding a home. Please Contact listing agent for more information and appointments.

    Janet Rivera-Updale KELLER WILLIAMS ELITE REALTORS

    20 Nottingham Dr, Howell, NJ 07731
  • /2

    $260,000

    • 2 Beds
    • 1 Bath
    • 654 Sq Ft

    73 Oak St, Keansburg, NJ 07734

    Welcome to Charming 2 Story Cottage in the beach community of Keansburg. This beautifully remodeled 2-bedroom, 1-bath home has been freshly painted, making it move-in ready and waiting for you to add your personal touch. 1st Bedroom is downstairs and 2nd bedroom upstairs. The layout allows for ample natural light, perfect little home. There is the large side driveway, providing great off-street

    Claude Dennis Jason Mitchell Real Estate New Jersey

    73 Oak St, Keansburg, NJ 07734
  • /25

    $405,000

    • 2 Beds
    • 2 Baths
    • 1,144 Sq Ft

    24 Calle de Elvira Unit B, Freehold, NJ 07728

    Beautifully updated two bed, two bath condo in The Villages, a sought-after 55+ community! You enter into a welcoming entry foyer that leads you into your brand-new eat-in kitchen. The kitchen features quartz countertops, custom backsplash, stainless steel appliances and an island. Past the kitchen you will find your living/dining room with access to your fully fenced in patio. The home is

    Gillian Maghan EXP Realty

    24 Calle de Elvira Unit B, Freehold, NJ 07728

Showing Results 281 - 320, Page 8 of 13

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