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Ocean City, MD Homes for Sale

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  • /20

    $289,875

    • 1 Bed
    • 1 Bath
    • 606 Sq Ft

    169 Jamestown Rd Unit 104, Ocean City, MD 21842

    BIG PRICE IMPROVENT! DIRECT BAYFRONT 1 Bedroom Condo in midtown Ocean City! Great building on Jamestown Rd. just across the street (1.5 blocks and a 3-4 minute walk) from the beach and Atlantic Ocean! You'll love this condo, it's direct bayfront view from the main living areas, expansive balcony and the master bedroom! Enjoy the best sunsets in Ocean City! This 1 bedroom, 1 full bath, ground

    Bernie Alvey Atlantic Sands Realty

    169 Jamestown Rd Unit 104, Ocean City, MD 21842
  • /30

    $564,900

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

    13444 Madison Ave, Ocean City, MD 21842

    Opportunity knocks! The home is in need of some work as you will see upon entering, but it has potential for many things. Situated on an oversized corner lot with water views from three sides, this property offers room to add 2+ levels, as zoning laws allow building up to 45 feet. Zoned R-3 for multi-family and residential. Approved variances are in hand, including a variance for a second and

    Kelly Williams RE/MAX Realty Centre, Inc.

    13444 Madison Ave, Ocean City, MD 21842
  • /38

    $510,000

    • 2 Beds
    • 2.5 Baths
    • 1,248 Sq Ft

    607 Bayshore Dr Unit 2, Ocean City, MD 21842

    Welcome to 607 Bayshore Drive Unit 2! This well cared for townhome is spacious and meticulous. Never rented and located on a quiet bayside cul-de-sac at 28th Street. Large kitchen with island bar and cozy living room with wood burning fireplace. Updated grantie counter tops. Living room sliding doors leads to comfortable outdoor space with table and chairs. Second level features canal front

    Diana Hargadon RE/MAX Executive

    607 Bayshore Dr Unit 2, Ocean City, MD 21842
  • /97

    $1,597,000

    • 3 Beds
    • 2.5 Baths
    • 1,656 Sq Ft

    11500 Coastal Hwy, Ocean City, MD 21842

    This 3-bedroom, 2-bathroom direct oceanfront condo is located on the 7th floor of the highly regarded Sea Watch Condominium in Ocean City, Maryland. With 1,656 square feet of comfortable living space, the residence captures panoramic ocean views and features a spacious wrap-around balcony, offering multiple vantage points to enjoy the beach, coastline, and ever-changing ocean scenery.The condo

    Deeley Chester Coastal Life Realty Group LLC

    11500 Coastal Hwy, Ocean City, MD 21842
  • /28

    $399,500

    • 3 Beds
    • 2.5 Baths
    • 1,168 Sq Ft

    153 Captains Quarters Rd Unit 6, Ocean City, MD 21842

    Take a look at your new condo! This well-maintained unit has 3 bedrooms and 2 and a half bathrooms. It also features a brand new back deck, perfect for your seasonal activities. Situated on the Bayside, toward the northern end of Ocean City, this condominium is only minutes from restaurants, shops, the beach and all of the fun and sun that Ocean City has to offer. Schedule your showing today!

    Bryan Coates Keller Williams Realty Delmarva

    153 Captains Quarters Rd Unit 6, Ocean City, MD 21842
  • /37

    $299,900

    • 1 Bed
    • 1.5 Baths
    • 616 Sq Ft

    14 38th St Unit 105, Ocean City, MD 21842

    Embrace the beachside lifestyle with this thoughtfully updated and lovingly maintained gem in the heart of mid-town Ocean City. Condesa is a well-managed masonry building with a reserve study in place, perfectly positioned on the desirable Ocean Block—just steps from the sand. Enjoy the ease of having a first floor entry to this wonderful unit, no flights of stairs to worry about. This

    Crystal Rhoad Newport Bay Realty

    14 38th St Unit 105, Ocean City, MD 21842
  • /42

    $734,000

    • 5 Beds
    • 4 Baths
    • 3,215 Sq Ft

    9707 Shady Grove Ct, Ocean City, MD 21842

    This spacious home in West Ocean City is the treasure you’ve been waiting for. In the sought after Whispering Woods neighborhood you will find an airy open floor plan, nine foot ceilings and a first floor owner’s suite that offers a free standing luxurious soaker tub and walk in shower. There are five bedrooms and four full baths, a gourmet kitchen and screened porch overlooking Forest

    Lisa Spicer ERA Martin Associates

    9707 Shady Grove Ct, Ocean City, MD 21842
  • /30

    $539,990 Open Sat 10:30AM - 12:30PM

    • 3 Beds
    • 2 Baths
    • 1,241 Sq Ft

    106 83rd St Unit 303, Ocean City, MD 21842

    Stunning Bayfront Condo at Playa Flamingo 303 – Sunset Views IncludedWelcome to Playa Flamingo 303, a beautifully updated three-bedroom, two-bath masonry condo offering true bayfront living with breathtaking sunset views. This bright and impeccably maintained unit features an open layout designed to capture the water views from inside and out.Enjoy resort-style amenities, including a

    Jamie Caine Coldwell Banker Realty

    106 83rd St Unit 303, Ocean City, MD 21842
  • /26

    $494,900

    • 3 Beds
    • 2 Baths
    • 880 Sq Ft

    13 75th St Unit 1W, Ocean City, MD 21842

    Welcome to the Sandpiper! This charming 3-bedroom, 2-bath condo is ideally situated in Midtown Ocean City, just steps from the beach! Offering the perfect blend of comfort, convenience, and coastal charm, this is the ultimate beach retreat.Step inside to find an inviting open floor plan featuring a spacious living area, dining space, and a well-equipped kitchen, perfect for relaxing or

    Ryan Haley Atlantic Shores Sotheby's International Realty

    13 75th St Unit 1W, Ocean City, MD 21842
  • /44

    $699,000

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

    5001 Atlantic Ave Unit 104, Ocean City, MD 21842

    Experience the very best of coastal living in this beautifully(never rented) updated 2-bedroom, 2-bath oceanfront condo at The Mooring. Perfectly positioned in mid‐town Ocean City, this residence offers panoramic, unobstructed views of the Atlantic Ocean —wake up to the sound of waves and glowing sunrises, then end your day with breathtaking sunsets across the water. Step inside to a bright,

    Nicholas Elko O'Conor, Mooney & Fitzgerald

    5001 Atlantic Ave Unit 104, Ocean City, MD 21842
  • /57

    $423,000

    • 2 Beds
    • 2 Baths
    • 1,002 Sq Ft

    119 Old Landing Rd Unit 301B7, Ocean City, MD 21842

    Experience the best of coastal living in this spectacular third-floor End unit, perfectly positioned to capture breathtaking panoramic views of the bay and surrounding wetlands. Sold fully furnished and completely turnkey, this is your opportunity to claim a true retreat at the beach, with the added benefit of having no units above you for enhanced privacy and tranquility.From sunrise over

    Ann Buxbaum Northrop Realty

    119 Old Landing Rd Unit 301B7, Ocean City, MD 21842
  • /32

    $449,900

    • 2 Beds
    • 2.5 Baths
    • 1,083 Sq Ft

    201 S Heron Dr Unit B16, Ocean City, MD 21842

    Welcome to your waterfront oasis! This charming two bedroom, 2.5 bath canal-front unit offers an ideal blend of comfort and convenience, with a great southern exposure and serene views of the canal. Step inside and you’ll be greeted by an open-concept living area that flows seamlessly into a fully-equipped kitchen, perfect for both entertaining and everyday living. The kitchen features modern

    Ted Smith Holiday Real Estate

    201 S Heron Dr Unit B16, Ocean City, MD 21842
  • /25

    $299,900

    • 2 Beds
    • 1 Bath
    • 644 Sq Ft

    42 Middle Way Ln, Ocean City, MD 21842

    The open concept everyone loves, with a front kitchen floodplain with room for all those family get togethers. See the Bay from your new side composite sun deck. Warrens Park is a unique direct bay front community. Home features 2 Bedrooms, 1 full bath........plus driveway parking for 3 cars! Association Fee Covers your annual real estate property taxes! Plus public water & sewer fees! Fees

    Larry E. Holdren II RE/MAX One

    42 Middle Way Ln, Ocean City, MD 21842
  • /2

    $625,000 Coming Soon

    • 2 Beds
    • 2 Baths
    • 1,260 Sq Ft

    9900 Coastal Hwy Unit 2505, Ocean City, MD 21842

    Penthouse Oceanfront Condominium with Breathtaking Ocean & Bay ViewsExperience coastal living at its finest in this exceptional penthouse, top‐floor oceanfront condominium. Spanning two stories, this residence features 2 bedrooms and 2 full baths, offering the perfect blend of space, comfort, and unmatched views.Step inside on the first level which features an ensuite bedroom. Be

    Donna Jupitz Long & Foster Real Estate, Inc.

    9900 Coastal Hwy Unit 2505, Ocean City, MD 21842
  • /39

    $434,900

    • 2 Beds
    • 2 Baths
    • 972 Sq Ft

    615 Salt Spray Rd, Ocean City, MD 21842

    Freshly Remodeled Waterfront Condo — Fully Furnished, Turnkey & Ready to Enjoy Your coastal escape is here! This beautifully renovated 2-bedroom, 2-bath waterfront condo is offered fully furnished with brand-new living room and bedroom furniture, along with carefully selected staging and décor pieces that elevate the space and create a warm, coastal vibe. Even better, the building features a new

    Terry Riley RE/MAX Advantage Realty

    615 Salt Spray Rd, Ocean City, MD 21842
  • /63

    $320,000

    • 1 Bath
    • 453 Sq Ft

    10900 Coastal Hwy, Ocean City, MD 21842

    This beach front bargain offers exceptional value as a personal beach escape, weekend getaway, or strong rental investment. This spacious efficiency unit has room for friends and family and features a private oceanfront balcony—the ideal spot to sip your morning coffee while watching spectacular sunrises over the Atlantic. Located in the Golden Sands, renowned for its resort-style amenities that

    J.D. Wells Berkshire Hathaway HomeServices PenFed Realty

    10900 Coastal Hwy, Ocean City, MD 21842
  • /36

    $645,000

    • 4 Beds
    • 2 Baths
    • 1,440 Sq Ft

    112 Sandyhill Dr, Ocean City, MD 21842

    Discover the perfect coastal retreat in the highly desirable Montego Bay community of North Ocean City. This beautifully crafted custom home, built in 2008, offers 1,560 square feet of thoughtfully designed living space just a few blocks from the beach.Step inside to an inviting open floor plan highlighted by a bright and airy great room featuring vaulted ceilings and skylights that fill the

    Alex Hodges Cottage Street Realty LLC

    112 Sandyhill Dr, Ocean City, MD 21842
  • /64

    $399,900

    • 2 Beds
    • 2 Baths
    • 840 Sq Ft

    4711 Coastal Hwy Unit 244, Ocean City, MD 21842

    Wake up to sweeping bay views in this meticulously maintained 2-bedroom, 2-bath waterfront beach home in Wight Bay. Bright southern exposure and open floor plan flow seamlessly to a private, 27 ft, waterfront balcony. The primary suite features water views, balcony access and a private bath, while the second bedroom and full guest bath provide comfortable accommodations for family and friends.

    Jimbo Weismiller Keller Williams Realty Delmarva

    4711 Coastal Hwy Unit 244, Ocean City, MD 21842
  • /37

    $279,500

    • 2 Beds
    • 2 Baths
    • 870 Sq Ft

    411 146th St Unit 225, Ocean City, MD 21842

    Embrace the coastal lifestyle in this delightful two-bedroom, two-bathroom condo nestled in the sought-after North Ocean City. Elevated on the second level, this end unit exudes charm and has been meticulously maintained for the discerning buyer seeking the ultimate beach escape. Don't want to go to the beach today? Go for a swim in the large and inviting condominium swimming pool. This perfect

    Mynor Herrera Keller Williams Capital Properties

    411 146th St Unit 225, Ocean City, MD 21842
  • /39

    $534,990

    • 3 Beds
    • 2.5 Baths
    • 1,640 Sq Ft

    13487 Bella Vista Ln Unit 9, Ocean City, MD 21842

    Welcome to 13487 Bella Vista Ln in the charming water-access community of Portofino, ideally located just off Route 54 and only about a mile from the beaches of Ocean City and Fenwick Island. This beautifully maintained 3-bedroom, 2.5-bath coastal townhome offers the perfect combination of comfort, convenience, and coastal lifestyle. The open and inviting main level features a spacious living

    Jamie Caine Coldwell Banker Realty

    13487 Bella Vista Ln Unit 9, Ocean City, MD 21842
  • /31

    $259,900

    • 1 Bed
    • 1 Bath
    • 482 Sq Ft

    10 40th St Unit 106, Ocean City, MD 21842

    This one-bedroom, one-bathroom ocean block condo offers a view of the ocean from the balcony. The property is perfectly situated just steps from the beach and directly across from the convention center, providing easy access to excellent entertainment. Building amenities include an outdoor pool, perfect for relaxing after a day at the beach. Also end unit.

    Dawn Holloway Coldwell Banker Bud Church Realty,Inc.

    10 40th St Unit 106, Ocean City, MD 21842
  • /51

    $729,900

    • 3 Beds
    • 3.5 Baths
    • 1,927 Sq Ft

    111 76th St Unit 202, Ocean City, MD 21842

    Welcome to one of Ocean City’s most spacious and luxurious condos. From the moment you step off your private and secured elevator into the main foyer, you will feel the quality and care in every detail. This original model home masterfully crafted by Landmark Builders offers stunning bay views along with three, yes three en-suite bedrooms. The home comes fully furnished and is just a short stroll

    Paul Dicicco Compass

    111 76th St Unit 202, Ocean City, MD 21842
  • /42

    $480,000

    • 3 Beds
    • 2 Baths
    • 936 Sq Ft

    107 Newport Bay Dr Unit UA, Ocean City, MD 21842

    Welcome to your waterfront escape in North Ocean City — offering 30 feet of canal frontage and a private dock slip that conveys.— this is the opportunity buyers wait for. This beautifully maintained 3 bedroom, 2 bath first-floor condo has been lovingly cared for by long-time owners and has never been used as a rental — a rare and valuable distinction. Exceptionally clean and move-in ready, the

    Adam monico Coldwell Banker Realty

    107 Newport Bay Dr Unit UA, Ocean City, MD 21842
  • /18

    $378,000

    • 2 Beds
    • 2 Baths
    • 1,244 Sq Ft

    5401 Coastal Hwy, Ocean City, MD 21842

    Back on the market to no fault of buyer or seller STUNNING COMPLETELY UPDATED 2BR/2BA BAY FRONT CONDO - Steps to the beach!Experience coastal living at its finest in this beautifully renovated condo overlooking the pool. Open floor plan and off white wood looking tile throughout the main living area. Bedrooms are carpeted. Major renovations were completed in 2021 including new kitchen with

    Ann Holtz Coldwell Banker Realty

    5401 Coastal Hwy, Ocean City, MD 21842
  • /26

    $262,000

    • 1 Bed
    • 1 Bath
    • 698 Sq Ft

    103 123rd St, Ocean City, MD 21842

    Welcome to coastal living at its finest in Jockey Beach Club Unit 309. Step inside to a beautifully renovated modern kitchen featuring upgraded NEW cabinetry, modern hardware, NEW appliances (stove, refrigerator, dishwasher, microwave), a deep modern black stainless sink & hardware, high-end backsplash, Corian countertops, and luxury vinyl flooring complemented by ceramic tile accents. Washer and

    Candi Noyes Coldwell Banker Realty

    103 123rd St, Ocean City, MD 21842
  • /31

    $259,000 Open Sun 10AM - 12PM

    • 1 Bed
    • 1 Bath
    • 583 Sq Ft

    104 127th St Unit 121, Ocean City, MD 21842

    The search ends here — welcome to your 1st-floor coastal retreat at Raffles #121. Ideally located in North Ocean City just steps from Northside Park, Raffles is a well-managed condominium offering an in-ground swimming pool, bike racks, an outdoor shower, and close proximity to some of the area’s best dining, shopping, and entertainment. From the moment you step inside, the pride of ownership is

    Dallas Godman Atlantic Shores Sotheby's International Realty

    104 127th St Unit 121, Ocean City, MD 21842
  • /25

    $239,900

    • 1 Bed
    • 1 Bath
    • 396 Sq Ft

    508 Robin Dr Unit 44, Ocean City, MD 21842

    Welcome to your bayside surf retreat! Tucked away in the Bayshore Condominiums, this 1-bedroom, 1-bath condo at 508 Robin Drive #44 is all about easy coastal living. With peaceful canal views, a deeded boat slip #24, and a location just minutes from the beach and Ocean City’s iconic attractions, it’s the perfect spot to unwind after a morning surf or a day on the water. The interior is clean,

    Anna Spann Coldwell Banker Realty

    508 Robin Dr Unit 44, Ocean City, MD 21842
  • /39

    $260,000

    • 392 Sq Ft

    12305 Wight St Unit 310, Ocean City, MD 21842

    ****Owner occupied but easy to show.**** Take advantage of this prime, Direct Oceanfront opportunity showcasing breathtaking views in the highly sought-after North Ocean City! This southern exposure, end-unit property is complete with an updated bathroom and kitchen, new luxury vinyl plank flooring, beautiful granite countertops, a glass tile backsplash, stainless steel appliances, a portable

    Tom Ruch Northrop Realty

    12305 Wight St Unit 310, Ocean City, MD 21842
  • /18

    $299,990 Open Sun 1PM - 2PM

    • 1 Bed
    • 1 Bath
    • 588 Sq Ft

    7 40th St Unit 307, Ocean City, MD 21842

    Wake up to the sound of the surf and the sight of the ocean from your OCEAN BLOCK beach retreat in Midtown OC. This bright and open FULLY FURNISHED 1-bed/1-full bath offers modern touches throughout, perfect for effortless weekends by the water. Sip your morning coffee on the front balcony with ocean views, then unwind on the rear balcony that captures the warm afternoon sun. Major updates

    Darlene Wise Cummings & Co. Realtors

    7 40th St Unit 307, Ocean City, MD 21842
  • /37

    $579,000

    • 3 Beds
    • 2 Baths
    • 1,680 Sq Ft

    305 11th St Unit 305, Ocean City, MD 21842

    3 BEDROOM 2 BATH LARGE CONDO WITH BAY VIEWS, EXCELLENT RENTAL HISTORY AND A PERFECT LOCATIONWhat makes this location so great ? It is right on the bay with easy access to the beach.Does it have outdoor living space?Yes! This is a rarely offered corner/end unit with a large wrap-around balcony featuring bay views and access from both the living/dining area and the primary

    Christine DeStefano Monument Sotheby's International Realty

    305 11th St Unit 305, Ocean City, MD 21842
  • /74

    $685,000

    • 3 Beds
    • 3 Baths
    • 1,835 Sq Ft

    12 45th St Unit 102, Ocean City, MD 21842

    Looking for an investment property Oceanside in Ocean City with over 30k in rentals already booked for 2026? Welcome to Royal Beach on 45th Street, an exclusive ocean block condominium with only seven residences. This fully furnished 3-bedroom, 3-bath home offers the perfect blend of luxury and convenience, with each bedroom featuring its own private en-suite. Just steps from the sand, the unit

    Phillip Knight Northrop Realty

    12 45th St Unit 102, Ocean City, MD 21842
  • /88

    $1,800,000 Open Sat 10AM - 1PM

    • 4 Beds
    • 3 Baths
    • 2,064 Sq Ft

    6201 Atlantic Ave Unit U806, Ocean City, MD 21842

    Location, Location, Location! Direct Oceanfront Penthouse Living- This is truly a rare opportunity—the first time this spectacular penthouse unit has ever been offered for resale! Located on the 8th-floor southeast corner, this 4-bedroom, 3-bath condo delivers breathtaking, unobstructed ocean views that stretch for miles. Enjoy one of the largest balconies in Ocean City, with approximately 60

    Nancy Reither Coldwell Banker Realty

    6201 Atlantic Ave Unit U806, Ocean City, MD 21842
  • /36

    $455,000

    • 2 Beds
    • 2 Baths
    • 1,081 Sq Ft

    7901 Coastal Hwy, Ocean City, MD 21842

    Welcome to Unit 403C at Triton's Trumpet — a spacious, move-in ready 2-bedroom, 2-bath condo on the fourth floor of one of midtown Ocean City's most sought-after bayfront buildings. Situated at the narrowest stretch between the Atlantic Ocean and the Assawoman Bay, this location delivers the best of coastal living: easy beach access, bay views, and a vibrant midtown corridor right outside your

    Rebecca Winslow Compass

    7901 Coastal Hwy, Ocean City, MD 21842
  • /25

    $310,000

    • 2 Beds
    • 1 Bath
    • 660 Sq Ft

    204 143rd St Unit 103, Ocean City, MD 21842

    Welcome to Atlantic Mist II, Unit 103, a charming boutique condominium nestled in quiet North Ocean City. This adorable, turn-key, fully furnished two-bedroom, one-bath condo is conveniently located on the first floor, offering easy and comfortable living.The seller fully renovated the home down to the studs in 2024, including all new drywall. The beautifully updated kitchen features modern

    Candi Noyes Coldwell Banker Realty

    204 143rd St Unit 103, Ocean City, MD 21842
  • /34

    $635,900

    • 3 Beds
    • 2 Baths
    • 1,034 Sq Ft

    12804 Assawoman Dr Unit 1N, Ocean City, MD 21842

    Hello this is a condo in a six unit project. Ocean Block, renovated in 2015 selling fully furnished

    Jeremy McDonough Mr. Lister Realty

    12804 Assawoman Dr Unit 1N, Ocean City, MD 21842
  • /35

    $499,995

    • 2 Beds
    • 2 Baths
    • 1,107 Sq Ft

    10700 Coastal Hwy Unit 301, Ocean City, MD 21842

    2 bedroom, 2 bathroom condo in the Quay building, a highly desirable oceanfront building with 2 pools! You'll love this condo with it's many upgrades including quart countertops, luxury vinyl plank flooring throughout and newer bathrooms. New central air conditoning was installed summer 2025 so no need to worry about any unexpected major expenses in the near future. This condo is located on the

    Bernie Alvey Atlantic Sands Realty

    10700 Coastal Hwy Unit 301, Ocean City, MD 21842
  • /95

    $832,500

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

    115 70th St Unit 39, Ocean City, MD 21842

    Welcome to Broad Marsh #115D—one of Midtown Ocean City’s most sought-after bayfront communities—where coastal convenience meets refined, designer-curated living. This spectacular 3-level townhome is the definition of “move-in ready,” showcasing a stunning blend of interior design elements that create a fresh, modern coastal aesthetic from the moment you step inside. Every detail has been

    Erik Windrow Keller Williams Realty

    115 70th St Unit 39, Ocean City, MD 21842
  • /2

    $4,299,000

    • Land
    • 0.08 Acre
    • $53,737,500 per Acre

    13 Saint Louis Ave, Ocean City, MD 21842

    +/- .0764 acres of waterfront, bayside, commercial land available right next to the Cambria Hotel in Ocean City, Maryland. Can build a 27-unit residential condo project, 'By-Right.' The property is tied into City of Ocean City's water and sewer. On site parking is available. Contact the listing Broker for additional details.

    Chris Davis NAI Coastal

    13 Saint Louis Ave, Ocean City, MD 21842
  • /35

    $499,900

    • 2 Beds
    • 2.5 Baths
    • 1,328 Sq Ft

    12 92nd St Unit 204, Ocean City, MD 21842

    This condo in Jetty's Break presents an excellent value: it is currently the largest ocean-block unit for sale under $500,000 in all of Ocean City! Unit #204 boasts a spacious layout in every area of the unit, providing a uniquely comfortable environment for you or your rental guests; if you choose to leverage the unit's rental potential. Both bedrooms include en-suite bathrooms, providing both

    Sam Kahl Samson Properties

    12 92nd St Unit 204, Ocean City, MD 21842
  • /24

    $315,000

    • 2 Beds
    • 2 Baths
    • 864 Sq Ft

    14409 Lighthouse Ave, Ocean City, MD 21842

    ***SELLERS WILL PAY YOUR CONDO FEES FOR SIX MONTHS!*** Welcome to Lighthouse Point Villas! Conveniently located in Caine Woods, enjoy the private hot tub located in your own gated courtyard outside your condo. Unit 6 has been freshly updated with new paint and flooring throughout the living space. New ceiling fans with overhead lighting added to both bedrooms and the living room. Large capacity

    Timothy Dozier Sheppard Realty Inc

    14409 Lighthouse Ave, Ocean City, MD 21842

Showing Results 521 - 560, Page 14 of 15

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