Ocean Isle Beach, NC Homes for Sale with No HOA Fee

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  /23

  $490,000

  • 4 Beds
  • 2 Baths
  • 1,152 Sq Ft

  2029 Whispering Pine St SW, Ocean Isle Beach, NC 28469

  **Stunning Beach Cottage with ICW Views!**Embrace the ultimate coastal lifestyle in this enchanting 4-bedroom, 2-bath beach retreat. Step inside to discover an open, airy living space adorned with elegant LVT flooring, seamlessly leading to a spacious partially covered porch--your perfect spot for sipping morning coffee or unwinding with evening breezes. Bask in unobstructed views of the

  Tammy Mitchell Property Marketplace

  2029 Whispering Pine St SW, Ocean Isle Beach, NC 28469
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  /74

  $1,879,000

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

  240 Green Bay Rd NW, Ocean Isle Beach, NC 28469

  You won't find a more beautiful and well maintained property! This 39+ acre lot is minutes from area beaches yet provides plenty of privacy. Excellent turn key opportunity for equestrian and homestead living. Property includes 7 stall barn with room for more, air controlled tack room with half bath, 3 fenced pastures, arena, stocked bass pond with dock, fenced in garden with amish built

  Corrie Thomas ASAP Realty

  240 Green Bay Rd NW, Ocean Isle Beach, NC 28469
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  /51

  $499,000

  • 4 Beds
  • 2 Baths
  • 1,152 Sq Ft

  2029 Whispering Pine St SW, Ocean Isle Beach, NC 28469

  Charming coastal cottage with breathtaking views of the Intracoastal Waterway featuring 4 bedrooms, 2 bathrooms, outdoor shower, partially furnished, oversized front porch, screened porch, vaulted ceilings, open floor plan, storage room and much more!!! The property offers beach cottage feel, LVT floors, 1 year old washer & dryer, all kitchen appliances, and beds to sleep 10! Walk to the end of

  Christine Camp Carolina Exclusives

  2029 Whispering Pine St SW, Ocean Isle Beach, NC 28469
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  /4

  $899,000

  • 3 Beds
  • 3 Baths
  • 448 Sq Ft

  6215 Old Shallotte Rd NW, Ocean Isle Beach, NC 28469

  INVESTMENT DREAM! ONE AND ONLY Tiny home village development in Brunswick County, NC. Newly constructed in 2024 and producing AIRBNB income. This property has three stick built tiny homes setting on over 5 acres of private property. Property has so much potential for additional income producing properties. Each home is designed with high end accommodations like walk in showers and granite

  Leslie Robinson LAC Real Estate LLC

  6215 Old Shallotte Rd NW, Ocean Isle Beach, NC 28469
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  /48

  $250,000

  • Land
  • 0.59 Acre
  • $423,729 per Acre

  5 Osprey Pointe, Ocean Isle Beach, NC 28469

  Introducing Osprey Pointe, a rare and one-of-a-kind opportunity to claim your slice of coastal paradise in Ocean Isle Beach. Osprey Pointe is an exclusive, private, gated community nestled near the Intracoastal Waterway and the stunning southern Brunswick Island beaches. These, approximately 1/2-acre lots, already have septic size approval, just waiting on permit from county and are perfectly

  Amy Mezzanotte Intracoastal Realty

  5 Osprey Pointe, Ocean Isle Beach, NC 28469
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  /48

  $250,000

  • Land
  • 0.51 Acre
  • $490,196 per Acre

  4 Osprey Pointe, Ocean Isle Beach, NC 28469

  Introducing Osprey Pointe, a rare and one-of-a-kind opportunity to claim your slice of coastal paradise in Ocean Isle Beach. Osprey Pointe is an exclusive, private, gated community nestled near the Intracoastal Waterway and the stunning southern Brunswick Island beaches. These, approximately 1/2-acre lots, already have septic size approval, just waiting on permit from county and are perfectly

  Amy Mezzanotte Intracoastal Realty

  4 Osprey Pointe, Ocean Isle Beach, NC 28469
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  /48

  $250,000

  • Land
  • 0.53 Acre
  • $471,698 per Acre

  3 Osprey Pointe, Ocean Isle Beach, NC 28469

  Introducing Osprey Pointe, a rare and one-of-a-kind opportunity to claim your slice of coastal paradise in Ocean Isle Beach. Osprey Pointe is an exclusive, private, gated community nestled near the Intracoastal Waterway and the stunning southern Brunswick Island beaches. These, approximately 1/2-acre lots, already have septic size approval, just waiting on permit from county and are perfectly

  Amy Mezzanotte Intracoastal Realty

  3 Osprey Pointe, Ocean Isle Beach, NC 28469
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  /48

  $250,000

  • Land
  • 0.55 Acre
  • $454,545 per Acre

  2 Osprey Pointe, Ocean Isle Beach, NC 28469

  Introducing Osprey Pointe, a rare and one-of-a-kind opportunity to claim your slice of coastal paradise in Ocean Isle Beach. Osprey Pointe is an exclusive, private, gated community nestled near the Intracoastal Waterway and the stunning southern Brunswick Island beaches. These, approximately 1/2-acre lots, already have septic size approval, just waiting on permit from county and are perfectly

  Amy Mezzanotte Intracoastal Realty

  2 Osprey Pointe, Ocean Isle Beach, NC 28469
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  /48

  $250,000

  • Land
  • 0.55 Acre
  • $454,545 per Acre

  1 Osprey Pointe, Ocean Isle Beach, NC 28469

  Introducing Osprey Pointe, a rare and one-of-a-kind opportunity to claim your slice of coastal paradise in Ocean Isle Beach. Osprey Pointe is an exclusive, private, gated community nestled near the Intracoastal Waterway and the stunning southern Brunswick Island beaches. These, approximately 1/2-acre lots, already have septic size approval, just waiting on permit from county and are perfectly

  Amy Mezzanotte Intracoastal Realty

  1 Osprey Pointe, Ocean Isle Beach, NC 28469
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  /33

  $1,675,000

  • 5 Beds
  • 4.5 Baths
  • 2,500 Sq Ft

  2 Chadbourn St, Ocean Isle Beach, NC 28469

  Rare opportunity to find a new construction on Ocean Isle Beach. 5 Bedroom, 2500+ square feet and all the bells and whistles. Private pool and elevator. High end finishes. Hardy plank siding. Expansive views of the east end marshes and the Intracoastal waterway. Very short distance to the Chadbourn St. beach access. Too many custom features to list. Come and see at OIB!!

  Eddy Jones Coldwell Banker Sloane Realty OIB

  2 Chadbourn St, Ocean Isle Beach, NC 28469
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  /15

  $725,000

  • Land
  • 0.20 Acre
  • $3,625,000 per Acre

  6 Lee St, Ocean Isle Beach, NC 28469

  Enjoy your 15x20 pool and build your dream house over 3K sq. ft! This extra-wide and deep lot provides ample space to build a home of approximately 4,500 heated square feet, and build your pool under the house. And then, relax and enjoy the spectacular views! This is the perfect location for your dream coastal retreat! This exceptional lot on the desirable Lee Street, nestled in the serene

  Frances Warner Coldwell Banker Sea Coast Advantage

  6 Lee St, Ocean Isle Beach, NC 28469
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  /36

  $945,000

  • 3 Beds
  • 2 Baths
  • 1,360 Sq Ft

  202 E Second St, Ocean Isle Beach, NC 28469

  UNIQUE Short Term Rental or second home! Only 400 Steps from the Ocean with Ocean Views! Beautiful Original & Unique OIB A Frame! This home lives large with its soaring ceilings, Open Floor Plan, and spacious rooms, 2 Large Bedrooms on first floor, 1 extra large bedroom on second with 3 queen size beds, 3rd floor loft has 2 twin beds. Enjoy your newly updated Kitchen with Granite Countertops,

  Kim Mann EXP Realty LLC - C

  202 E Second St, Ocean Isle Beach, NC 28469
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  /4

  $46,500

  • Land
  • 0.12 Acre
  • $387,500 per Acre

  7206 Banner St SW, Ocean Isle Beach, NC 28469

  LOCATION! Lot with existing 2 bedroom tank located in Ocean Isle Beach. Within minutes to Sunset Beach, Ocean Isle Beach, dining, shopping, golfing, boating seasonal concerts and markets.

  Shandel Capps Carolina Gulf Coast Properties

  7206 Banner St SW, Ocean Isle Beach, NC 28469
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  /34

  $275,000

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

  1514 Erin Place SW, Ocean Isle Beach, NC 28469

  Welcome home! This may be the nicest manufactured home at the beach with the large trex decking on the front, LVP flooring, a great floor plan with the primary bedroom on one side, 2 guest bedrooms on the other, and a huge living room that will accommodate all of your guests. Nicely designed kitchen equipped with stainless steel appliances. This home is great for those that don't want to deal

  Ryan Powers ASAP Realty

  1514 Erin Place SW, Ocean Isle Beach, NC 28469
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  /54

  $959,900

  • 3 Beds
  • 2 Baths
  • 1,817 Sq Ft

  27 Newport St, Ocean Isle Beach, NC 28469

  This charming beach cottage, located on Newport Street in Ocean Isle Beach, NC, offers direct beach access and deep-water amenities, including a new Trex dock and a landscaped, fenced yard with ample space for a pool. Additional features include an outdoor shower, a covered patio, low-maintenance vinyl siding and deck railings, and a two-car garage with extra parking. The property boasts stunning

  Sarah Harris Intracoastal Realty

  27 Newport St, Ocean Isle Beach, NC 28469
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  /74

  $1,250,000

  • 5 Beds
  • 5.5 Baths
  • 2,312 Sq Ft

  390 E Second St, Ocean Isle Beach, NC 28469

  Welcome to your dream beach island retreat! This fully furnished 5-bedroom, 5.5-bath coastal home offers incredible versatility, making it the perfect primary residence, second home, or investment property with a strong rental history. Each spacious bedroom includes a private bathroom and a new streaming-enabled TV for ultimate comfort and convenience. The master suite features a jetted tub, a

  Michele Johnston Coldwell Banker Sea Coast Advantage

  390 E Second St, Ocean Isle Beach, NC 28469
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  /59

  $1,239,000

  • 5 Beds
  • 3.5 Baths
  • 2,252 Sq Ft

  271 E Second St, Ocean Isle Beach, NC 28469

  Welcome to 271 E Second St, a beautifully renovated home with panoramic views of the tidal creeks and intracoastal waterway. What an opportunity to own a slice of paradise only steps away from the ocean here in Ocean Isle Beach. This home features 5 bedrooms, 3.5 bathrooms and comes fully furnished! Turn key investment opportunity with a strong rental history. The property was remodeled and

  Joe Prillaman Host Help LLC

  271 E Second St, Ocean Isle Beach, NC 28469
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  /29

  $385,000

  • 2 Beds
  • 2 Baths
  • 1,507 Sq Ft

  6274 Culpepper Rd SW, Ocean Isle Beach, NC 28469

  Welcome to your serene fully furnished coastal retreat! This stunning property offers a perfect blend of charm and modern convenience, nestled just minutes from the pristine shores of Ocean Isle Beach. The entire home has been remodeled and features new floors, kitchen cabinets, appliances, HVAC, and roof! This home boasts spacious interiors, a chef's kitchen, and beautifully designed living

  Joshua Smith McClure Group Realty LLC

  6274 Culpepper Rd SW, Ocean Isle Beach, NC 28469
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  /41

  $430,000

  • 3 Beds
  • 2.5 Baths
  • 1,542 Sq Ft

  1616 Pierce St SW, Ocean Isle Beach, NC 28469

  Location, Location, Location! Only minutes to Ocean Isle Beach. This Beautiful home is ready for you. The living area is a large open concept great for entertaining. The kitchen has stainless steel appliances, and a spacious island. The primary bedroom is on the main level. Upstairs you will find two spacious bedrooms and a full bath. There is a large storage area in the walk-out attic. The

  Marty Ferrell CENTURY 21 Sunset Realty

  1616 Pierce St SW, Ocean Isle Beach, NC 28469
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  /71

  $1,369,000

  • 4 Beds
  • 3 Baths
  • 1,952 Sq Ft

  253 W Second St, Ocean Isle Beach, NC 28469

  Welcome to 253 W Second Street, Ocean Isle Beach, where the tranquil rhythm of ocean waves meets the comfort and luxury of modern living. Nestled just moments from the beach, this custom-built partially furnished home perfectly embodies the relaxed elegance of island life, blending timeless design with thoughtful modern amenities! Designed collaboratively by the interior designer, the homeowners,

  Amy Mezzanotte Intracoastal Realty

  253 W Second St, Ocean Isle Beach, NC 28469
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  /84

  $2,050,000

  • 5 Beds
  • 5 Baths
  • 3,132 Sq Ft

  1711 Hemingway Dr SW, Ocean Isle Beach, NC 28469

  Welcome to your dream Intracoastal Waterway Retreat. This amazing home offers unparalleled luxury and builder options combined with long views of the waterway and Ocean Isle Beach. Almost every window has water view. One of the first features to not is the large infinity pool. Dive into your paradise that seamlessly blends with the horizon, perfect or entertaining guests. Experience convenience

  Eddy Jones Coldwell Banker Sloane Realty OIB

  1711 Hemingway Dr SW, Ocean Isle Beach, NC 28469
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  /47

  $1,500,000

  • 4 Beds
  • 3 Baths
  • 1,710 Sq Ft

  39 Lee St, Ocean Isle Beach, NC 28469

  Experience coastal island living like never before at this exclusive canal-front oasis located on the serene east end, boasting unobstructed views of the coastal marsh and winding creeks. With no development across the street, your front porch becomes a peaceful retreat where morning sunrises over the marsh create a breathtaking backdrop, perfect for quiet moments or relaxed gatherings.This

  McNeely Group Landmark Sotheby's International Realty

  39 Lee St, Ocean Isle Beach, NC 28469
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  /55

  $599,000

  • 3 Beds
  • 2.5 Baths
  • 2,058 Sq Ft

  1679 Hemingway Dr SW, Ocean Isle Beach, NC 28469

  Welcome to your new peaceful beach retreat! Built in 2016 and offered fully furnished with a few exceptions, this meticulously maintained 3 bedroom, 2.5 bathroom home is ideally situated along the wooded section of Ocean Isle Beach. The home offers secluded and peaceful living while being minutes away from the Intracoastal Waterway, sandy beaches, and all that OIB has to offer. When entering the

  Caitlin Saunders Intracoastal Realty Corporation

  1679 Hemingway Dr SW, Ocean Isle Beach, NC 28469
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  /68

  $1,825,000

  • 4 Beds
  • 4 Baths
  • 1,454 Sq Ft

  455 E Third St, Ocean Isle Beach, NC 28469

  Welcome to your dream beach house! This stunning property was recently renovated from top to bottom, the owners truly spared no expense. Spacious bedrooms featuring high-end furniture, smart tv's, and luxurious bathrooms with tile showers are just a few of the amazing details. Perfect for accommodating family and guests. Entertain big crowds in the beautiful gourmet kitchen which features all

  Foster Hill Keller Williams Innovate-Wilmington

  455 E Third St, Ocean Isle Beach, NC 28469
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  /39

  $894,000

  • 5 Beds
  • 3 Baths
  • 1,688 Sq Ft

  393 E Second St, Ocean Isle Beach, NC 28469

  Updated and immaculate 5 bedroom,3 bath, fully furnished, home located close to two beach accesses. Enjoy the serenity and ocean breezes from the spacious front covered deck. Enter into the open floor plan and you will be mesmerized by the decor of the living area, kitchen and dining nook. The kitchen has a breakfast bar where you can sit and converse with the cook. White cabinets, brass

  Edwina St. Pierre Intracoastal Realty

  393 E Second St, Ocean Isle Beach, NC 28469
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  /17

  $289,000

  • 3 Beds
  • 2 Baths
  • 1,456 Sq Ft

  7201 Beach Dr SW, Ocean Isle Beach, NC 28469

  LOCATION LOCATION LOCATION! Between Ocean Isle Beach and Sunset Beach and just off the Intracoastal Waterway this home has a great location! No HOA so park your boat, RV or work vehicle. Short and long terms allowed so great investment property. Built in 2017 so it's nearly new. In a private setting with a fenced back yard. Inside you'll find a spacious living area, nice sized kitchen with tons

  Teresa Boyd Coldwell Banker Sloane Realty OIB

  7201 Beach Dr SW, Ocean Isle Beach, NC 28469
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  /34

  $1,599,900

  • 4 Beds
  • 4.5 Baths
  • 1,980 Sq Ft

  445 E 3rd St, Ocean Isle Beach, NC 28469

  Ocean views galore from this gorgeous home on EXTRA LARGE LOT with pool!! ! A builder's personal second home with four ensuite bedrooms and two separate living areas, it is situated on an oversized 75' lot (one and one-half lots!)Fully furnished on the inside and basically maintenance-free on the outside. The pool is gated , private, and has a heat pump - the ocean views are spectacular!

  Martha Pope Pope Real Estate

  445 E 3rd St, Ocean Isle Beach, NC 28469
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  /61

  $2,999,000

  • 5 Beds
  • 5.5 Baths
  • 7,583 Sq Ft

  1766 Waterway Dr SW, Ocean Isle Beach, NC 28469

  Experience coastal elegance on the Intracoastal Waterway in this stunning home. As you enter the foyer you are greeted with tile flooring found through out the first floor, new light fixtures, and custom moldings. The kitchen is a chef's dream with all new appliances, cabinetry, granite countertops, tile backsplash, and center work island. The massive primary suite is found on the first floor and

  Derek Fairfax CENTURY 21 Thomas Incorporated DBA Thomas Real Estate, LLC

  1766 Waterway Dr SW, Ocean Isle Beach, NC 28469
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  /5

  $5,115,000

  • Land
  • 93 Acres
  • $54,806 per Acre

  556 Harris Trail SW, Ocean Isle Beach, NC 28469

  **Exceptional Investment Opportunity for National Builders and Local Developers: Prime Acreage Adjacent to Ocean Ridge Plantation**An unparalleled investment prospect awaits! Presenting approx. 93.24 acres of mixed cleared and wooded land in a highly sought-after location next to Ocean Ridge Plantation, an ideal site ripe for development. A wetland delineation was completed in 2007.**Additional

  Stephanie Reeves Sloane Commercial

  556 Harris Trail SW, Ocean Isle Beach, NC 28469
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  /12

  $375,000

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

  6926 Beach Dr SW, Ocean Isle Beach, NC 28469

  New home Under Construction- located within minutes from Ocean Isle Beach and Sunset Beach. This 3 bedroom 2 bath home situated on pilings will include LVP throughout home with tile bathrooms, white shaker kitchen cabinets, quartz counters, and tile backsplash. Master bath is equipped with walk in shower and double vanity. There is still time to add additional upgrades of your choice and choose

  Shandel Capps Carolina Gulf Coast Properties

  6926 Beach Dr SW, Ocean Isle Beach, NC 28469
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  /15

  $721,600

  • Land
  • 13 Acres
  • $55,000 per Acre

  0 Harris Trail SW, Ocean Isle Beach, NC 28469

  Here it is!! This stunning 13.12-acre property not only offers over 2,500 feet of frontage on Tigers Eye #3 at Ocean Ridge Plantation but also a 45' deeded easement from Harris Trail SW, making it a unique property that is not part of the Ocean Ridge Subdivision. With Brunswick County having a great demand for housing/rentals this property is a great investment! Also, if you're looking for land

  Stephanie Reeves Sloane Commercial

  0 Harris Trail SW, Ocean Isle Beach, NC 28469
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  /2

  $45,000

  • Land
  • 0.68 Acre
  • $66,176 per Acre

  906 Grove NW, Ocean Isle Beach, NC 28469

  Welcome to Forest Grove, a unique clothing-optional subdivision offering a welcoming and inclusive community lifestyle. This spacious .68-acre lot provides ample room to design your personalized getaway, whether you're seeking a serene full-time residence or a seasonal escape.Nestled within a low-risk Flood Zone X, this property gives you peace of mind while being just a short drive from the

  Cole Justice Coastal Development & Realty

  906 Grove NW, Ocean Isle Beach, NC 28469
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  /2

  $92,000

  • Land
  • 0.34 Acre
  • $270,588 per Acre

  Lot 3 Thorpe Landing Rd SW, Ocean Isle Beach, NC 28469

  An ideal opportunity to build your dream home just minutes from the beach. No HOA. 144'' feet of road frontage . Septic permit is in file. Close to all amenities, restaurants, bars.

  Irina Zaslavskaya Keller Williams Innovate-OIB Mainland

  Lot 3 Thorpe Landing Rd SW, Ocean Isle Beach, NC 28469
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  /2

  $39,000

  2000 Sommersett Rd SW Unit Blue 2, Ocean Isle Beach, NC 28469

  Indoor dry slip at Ocean Isle Marina & Yacht Club. This slip will take a 24 ft. T-top boat. The beam is 8.5 ft. The marina reserves the first right of refusal and right to purchase.

  Dwight Beagle Coldwell Banker Sloane

  2000 Sommersett Rd SW Unit Blue 2, Ocean Isle Beach, NC 28469
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  /2

  $300,000

  • Land
  • 0.76 Acre
  • $394,737 per Acre

  6870 Beach Dr SW, Ocean Isle Beach, NC 28469

  Excellent exposure for your business idea or to grow your company in the Ocean Isle Beach & Sunset Beach area! Originally 6 lots - this corner property fronts 3 roads, with approx 150' on Beach Drive. Nearby restaurants, banks, shopping, medical facilities, residential communities, 2 boat launches, in between 2 popular beaches, parks, summer concerts & markets, boating, fishing, golfing - an

  Debbie Kinlaw CENTURY 21 Sunset Realty

  6870 Beach Dr SW, Ocean Isle Beach, NC 28469
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  /17

  $294,600 New Construction

  • 3 Beds
  • 2 Baths
  • 1,474 Sq Ft

  6287 Swainson SW, Ocean Isle Beach, NC 28469

  This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining. An owner’s suite enjoys a private location in a rear corner of the home, complemented by an en-suite bathroom and walk-in closet. There are two secondary bedrooms at the front of the home, which are comfortable spaces for household members and overnight guests.

  

  Lennar

  Builder

  6287 Swainson SW, Ocean Isle Beach, NC 28469
• 

  

  /11

  $234,850 New Construction

  • 3 Beds
  • 3 Baths
  • 1,437 Sq Ft

  1752 Hunting Harris SW, Ocean Isle Beach, NC 28469

  This new two-story home provides low-maintenance living with everything you need on the first floor. Past the foyer is a fully equipped kitchen which connects to the dining and living spaces, along with an attached patio for indoor-outdoor activities. The owner’s suite with a private bathroom and walk-in closet is located at opposite ends of the home from the secondary bedroom. Upstairs, an airy

  

  Lennar

  Builder

  1752 Hunting Harris SW, Ocean Isle Beach, NC 28469
• 

  

  /17

  $249,500 New Construction

  • 3 Beds
  • 2 Baths
  • 1,046 Sq Ft

  6291 Swainson SW, Ocean Isle Beach, NC 28469

  Designed for convenient and modern living, this new single-story home features a breezy and open layout. The foyer leads to a peninsula-style kitchen overlooking the dining area and family room, with a rear door extending to the backyard. Throughout the home are two secondary bedrooms and a tranquil owner’s suite with an en-suite bathroom and a walk-in closet. A versatile two-car garage completes

  

  Lennar

  Builder

  6291 Swainson SW, Ocean Isle Beach, NC 28469
• 

  

  /17

  $248,800 New Construction

  • 3 Beds
  • 2 Baths
  • 1,259 Sq Ft

  6295 Swainson SW, Ocean Isle Beach, NC 28469

  This spacious single-story home features a versatile bedroom off the foyer, ideal as a designated guest room or an at-home office. It’s followed by a welcoming family room with free-flowing access to the multi-functional kitchen and an intimate dining area. The remaining two bedrooms are tucked away to provide tranquil retreats, including the owner’s suite with an attached bathroom and oversized

  

  Lennar

  Builder

  6295 Swainson SW, Ocean Isle Beach, NC 28469
• 

  

  /3

  $300,500 New Construction

  • 4 Beds
  • 3 Baths
  • 1,965 Sq Ft

  2037 Osprey Isle SW, Ocean Isle Beach, NC 28469

  This new two-story townhome is ready for growing households. An open-concept floorplan on the first level maximizes interior space. The luxurious owner’s suite is nestled into a private back corner, and a secondary bedroom and full bathroom are located off the foyer. Two additional secondary bedrooms share the second floor with a versatile loft.

  

  Lennar

  Builder

  2037 Osprey Isle SW, Ocean Isle Beach, NC 28469

Showing Results 81 - 120, Page 3 of 4