526

Homes for Sale near Stony Lane Elementary School

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  • /3

    $485,000

    • 4 Beds
    • 2 Baths

    307 Schepis Ave, Saddle Brook, NJ 07663

    Welcome to Saddle Brooka€TMs Hidden Gem! Situated in one of the areaa€TMs most sought-after neighborhoods, this charming 4-bedroom, 2-bath home offers unbeatable value and location. With over 1,400 square feet, you'll enjoy spacious rooms, great curb appeal, and thoughtful updates including a newer roof, windows, hot water heater, and furnace. Perfectly located just minutes from top-rated

    Joseph Kapon RE/MAX Properties Select

    307 Schepis Ave, Saddle Brook, NJ 07663
  • /31

    $2,850,000 Open Sat 2PM - 5PM

    • 5 Beds
    • 4.5 Baths

    33 Woodfield Ln, Saddle River, NJ 07458

    Coming Soon a€“ Showings Begin 8/2! Welcome to this beautifully maintained spacious 5-bedroom, 4.5-bath home, perfectly located in prestigious Saddle River, Designed for all ages and lifestyles, this inviting property offers quiet luxury, a flexible entertainment layout, and effortless indoor-outdoor living. A brand-new 6-bedroom septic system (install 8/2025) adds tremendous value and future

    Jack Yao Realmart Realty, LLC

    33 Woodfield Ln, Saddle River, NJ 07458
  • /31

    $799,000 Open Sat 12PM - 2PM

    • 4 Beds
    • 2 Baths

    571 Laurel Rd, Ridgewood, NJ 07450

    Welcome to this charming 4-bedroom, 2-full-bath Cape Cod home located in the highly sought-after Somerville/Dada€TMs Night neighborhood! Featuring a recently renovated kitchen and deck, this home is perfect for entertaining both inside and out. The light-filled first floor boasts gleaming hardwood floors, a bright and airy layout, and two comfortable bedrooms, while the second floor offers two

    Megan Murphy Keller Williams Village Square Realty

    571 Laurel Rd, Ridgewood, NJ 07450
  • /50

    $1,278,777 Open Sat 1PM - 3PM

    • 5 Beds
    • 5 Baths

    15 Oak Trail Rd, Hillsdale, NJ 07642

    Exquisite 5-BR Expanded Tandy-Allen Ranch featuring a Resort-Like Backyard in the Heart of Hillsdale! Set on over an acre of serene, professionally landscaped property, this home offers beautiful curb appeal and luxurious living inside and out. Step into a warm, welcoming foyer that leads to a bright, open floor plan featuring gleaming hardwood floors throughout. The formal living room with a

    Paula Clark Keller Williams Valley Realty

    15 Oak Trail Rd, Hillsdale, NJ 07642
  • /26

    $799,000 Open Sun 1PM - 3PM

    • 4 Beds
    • 2.5 Baths

    12 Lakeview Ave, Rochelle Park, NJ 07662

    Only 3 years young! New Home on New Foundation has all the extra space and storage you need! This home features Open Concept Layout with Hardwood Flooring throughout. Large Windows allow in plenty of Natural Light! Bonus Family Room feature and 2nd floor laundry add to your everyday convenience. Each bedroom has their own walk-in closet! Primary ensuite has a large, spacious and modern primary

    Merna Testino Keller Williams Town Life

    12 Lakeview Ave, Rochelle Park, NJ 07662
  • /26

    $549,000

    • 3 Beds
    • 1 Bath

    878 Lincoln Ave, Maywood, NJ 07607

    Welcome to 878 Lincoln Avenue, a charming 3-bedroom, 1-bath Cape Cod in the heart of Maywood. Set on a 50x100 lot, this move-in-ready home offers a newly updated kitchen with granite countertops, stainless steel appliances, and a Bosch dishwasher. The open-concept layout features a spacious living room and dining area with sliders leading to a deck, perfect for entertaining or relaxing in the

    Richard Solimando Keller Williams Valley Realty

    878 Lincoln Ave, Maywood, NJ 07607
  • /47

    $799,999 Open Sat 1PM - 3PM

    • 3 Beds
    • 2.5 Baths

    15 Pleasant Ave, Midland Park, NJ 07432

    Welcome to this pristine updated EXPANDED Cape Cod style home located ideally in the beautiful town of Midland Park. This home is nearly 2000 sq ft. in size. Walk in to the formal Living room and Dinning room, and updated Full Bath. Then be amazed by the large Eat in Kitchen equipped with newer GE Cafe appliances, a large Farm sink, Granite tops and White cabinets. The kitchen opens up to a large

    Salvatore Cozzupoli Terrie O'Connor Realtors-Wyckoff

    15 Pleasant Ave, Midland Park, NJ 07432
  • /41

    $599,888 Open Sun 1PM - 3PM

    • 2 Beds
    • 1 Bath

    16 Sullivan Dr, Emerson, NJ 07630

    Welcome to this beautifully updated and meticulously maintained open concept ranch, offering the ease of single level living with modern touches throughout. This inviting home features 2 spacious bedrooms and 1 modern full bathroom, thoughtfully designed for comfort and functionality. The heart of the home is the bright, sun drenched living space where the kitchen, dining and family room flow

    Christian Di Stasio Prominent Properties Sotheby's International Realty-Tenafly

    16 Sullivan Dr, Emerson, NJ 07630
  • /23

    $599,000 Open Sun 1PM - 4PM

    • 3 Beds
    • 2 Baths

    27 Kennedy Dr, Waldwick, NJ 07463

    Welcome to this updated 3-bedroom, 2-bathroom ranch, ideally situated in one of Waldwicka€TMs most desirable neighborhoods. With great curb appeal, this home makes a lasting first impression. Enjoy the ease of one-floor living with a charming layout and hardwood flooring throughout. A bright den enhanced by skylights brings in natural light all day long. The renovated kitchen features modern

    Laura Gill Keller Williams Village Square Realty

    27 Kennedy Dr, Waldwick, NJ 07463
  • /37

    $810,000 Open Sat 12PM - 2PM

    • 4 Beds
    • 3.5 Baths

    316 Colonial Blvd, Township of Washington, NJ 07676

    Open 8/2 12-2, 8/3 1-3 Move In Ready! Welcome to this beautifully updated Center Hall Cape Cod, located in one of the area's most sought-after neighborhoods. Perfectly situated with easy access to major highways, shopping, dining, and everyday conveniences, this home offers the best of comfort and location. Boasting 4 bedrooms and 3.5 bathrooms, this home combines classic charm with modern

    Margaret Neary Terrie O'Connor Realtors-Saddle River

    316 Colonial Blvd, Township of Washington, NJ 07676
  • /5

    $249,000

    • 1 Bath

    15-21 Plaza Rd Unit D, Fair Lawn, NJ 07410

    Welcome to this bright and airy second-floor studio apartment, featuring an open floor plan that maximizes both comfort and functionality. This unit offers a stylish layout ideal for modern living. Enjoy the convenience of being just steps away from shops, cafes, public transportation, and everything the neighborhood has to offer. Whether you're working from home or exploring the area, this

    Anna Lepishina Prominent Homes Realty, LLC

    15-21 Plaza Rd Unit D, Fair Lawn, NJ 07410
  • /33

    $1,400,000 Open Sun 1PM - 4PM

    • 4 Beds
    • 3.5 Baths

    40-03 Taylor Rd, Fair Lawn, NJ 07410

    Welcome to this amazing new house built on an existing foundation. Colonial style home, great curb appeal and quality construction. Very large kosher kitchen with plenty of cabinet space, dual sinks, dual dishwashers and dual ovens. Breakfast are with sliding door leading to a large deck overlooking the amazing 123 feet deep property. The second floor features large master bedroom with master

    Bruria Laura Bussi Weichert Realtors, Tenafly-Cresskill

    40-03 Taylor Rd, Fair Lawn, NJ 07410
  • /49

    $1,125,000 Open Sat 12PM - 3PM

    • 3 Beds
    • 3 Baths

    447 Summit Ave, Oradell, NJ 07649

    For those dreaming of a life that blends beauty, creativity, and convenience, this enchanting cedar shake saltbox in Oradella€TMs coveted "Latchstring" neighborhood is a rare find. Set on nearly half an acre of manicured grounds - complete with a koi pond, storybook landscaping, and majestic backyard - this early 1900s home feels like a luxurious storybook estate, overflowing with character,

    Aryana Oveissi Christie's International Real Estate Group-Summit

    447 Summit Ave, Oradell, NJ 07649
  • /50

    $1,999,999 Open Sun 1PM - 4PM

    • 6 Beds
    • 5 Baths

    72 Old Farms Rd, Woodcliff Lake, NJ 07677

    Location, location, location...discover an exquisite CH colonial home nestled amidst lush grounds on Woodcliff Lake's premier street in the prestigious "Hill" section. A stately bluestone front porch welcomes you into a grand, foyer, flanked by formal dining & living rooms-boasting a large fireplace, detailed millwork, & floor-to-ceiling windows. The impressive, open kitchen is a chef's delight,

    Kelli Peters Keller Williams Village Square Realty

    72 Old Farms Rd, Woodcliff Lake, NJ 07677
  • /25

    $569,000 Open Sun 12PM - 2PM

    • 4 Beds
    • 1.5 Baths

    830 Soldier Hill Rd, Emerson, NJ 07630

    Experience this 4 Bedroom Colonial situated in the highly sought-after section of Emerson located in a strollable area with sidewalks within 15 miles to NYC! The First Floor features an Open Concept Floor Plan offering gorgeous hardwood flooring all-throughout, a large Living Room, Formal Dining Room, Kitchen with Stainless Steel Appliances, custom Backsplash, plenty of Cabinet space & convenient

    EVAN MEGNIN KELLER WILLIAMS - NJ METRO GROUP

    830 Soldier Hill Rd, Emerson, NJ 07630
  • /26

    $569,000 Open Sun 12PM - 3PM

    • 4 Beds
    • 2 Baths

    130 Manhattan Ave, Waldwick, NJ 07463

    Welcome to this charming 4-bedroom, 2-bathroom Cape Cod home located in the highly sought-after town of Waldwick. This lovely residence features a cozy living room, an inviting dining room with sliders to the deck, an eat-in kitchen, two comfortable bedrooms and a full bath on the main floor. Upstairs, you'll find two spacious additional bedrooms. The finished lower level provides extra living

    Mary Ellen O'Connell Terrie O'Connor Realtors-Wyckoff

    130 Manhattan Ave, Waldwick, NJ 07463
  • /8

    $650,000

    • Land
    • 0.00 Acre

    291 Lake Shore Dr, Haworth, NJ 07641

    Rare Opportunity: 14,624 SF Buildable Lot with Town-Approved Plans! Unlock the potential of this spacious 14,624 square foot buildable lot, located in a highly desirable subdivision. This rare offering comes complete with concept plans already approved by the town, streamlining your path to construction. Whether you're a developer, investor, or planning to build your dream home, this property is

    Tamar Rapaport Keller Williams Town Life

    291 Lake Shore Dr, Haworth, NJ 07641
  • /44

    $808,777

    • 4 Beds
    • 3 Baths

    68 Lincoln Ave, Westwood, NJ 07675

    Beautiful 4-BR Center Hall Colonial with Gorgeous In-Ground Pool in Westwood! Welcome to this move-in ready gem featuring a spacious and inviting foyer. The modern, bright eat-in kitchen includes white cabinetry, granite countertops, a peninsula breakfast bar, stainless steel appliances, and a picture window that fills the space with natural light. The formal dining room features French doors to

    Paula Clark Keller Williams Valley Realty

    68 Lincoln Ave, Westwood, NJ 07675
  • /44

    $775,000 Open Sun 12PM - 3PM

    • 4 Beds
    • 3.5 Baths

    33 Ridge Rd, Hawthorne, NJ 07506

    Opportunity awaits! Set on a generous .7-acre lot with views of the NYC skyline, this expansive mid-century modern split ranch offers endless potential for investors, builders or end-users with a vision. Featuring large scale rooms and a versatile layout, the home includes a formal living room, dining room and eat-in kitchen, family room with access to upper patio all on the main level. A few

    LAURA GILL KELLER WILLIAMS VILLAGE SQUARE

    33 Ridge Rd, Hawthorne, NJ 07506
  • /33

    $781,000 Open Sun 1PM - 4PM

    • 3 Beds
    • 2.5 Baths

    58 Magnolia Way, North Haledon, NJ 07508

    Welcome to Lakesidea€ A beautiful, resort-like community offering a beautifully maintained 3 bedroom, 2.5 bath townhouse with walk-out basement. On a quiet cul-de-sac, this sun-filled home enters into living and dining rooms with gleaming hardwood floors. The 2-story family room with fireplace and kitchen, open floorplan, overlook a sweeping view of a beautifully manicured lawn and green acres.

    Joanne Kopelakis Coldwell Banker, Alpine/Closter

    58 Magnolia Way, North Haledon, NJ 07508
  • /6

    $490,000

    • 3 Beds
    • 1 Bath

    46 Tenney Ave, River Edge, NJ 07661

    A Rare Gem with Rich History in a Prime Location a€“ Sold As Is Step into timeless potential with this one-of-a-kind historic home, originally built in 1927 as the very first model residence by the towna€TMs visionary developer. Located in one of the most sought-after communities, this architectural treasure is ready to be brought back to its former glory. Offered in As Is condition and in need

    Lynda Ann Fritsch Century 21 Concept 100

    46 Tenney Ave, River Edge, NJ 07661
  • /48

    $525,000 Open Sat 1PM - 3PM

    • 3 Beds
    • 2 Baths

    124 Washington Ave, Elmwood Park, NJ 07407

    Welcome to 124 Washington Ave - a beautifully expanded Cape Cod full of warmth, style, and modern comforts. This 3-bedroom, 2-bath home is ideally situated on a fenced corner lot. Step inside to find gleaming hardwood floors, bay windows, and recessed lighting throughout the main living spaces. The open-concept kitchen and dining area features rich granite countertops, stainless steel appliances,

    JUSTIN MARCHESE Aldo's Realty

    124 Washington Ave, Elmwood Park, NJ 07407
  • /32

    $725,000

    • 3 Beds
    • 1 Bath

    143 Delmar Ave, Glen Rock, NJ 07452

    Curb appeal abounds at this well-maintained ranch-style home featuring a living room, dining area, and a light-filled family room with a cozy gas fireplace. The modern kitchen is a chefa€TMs delight, offering shaker-style cabinetry, neutral colored granite countertops, a gas stove with oven, an additional double oven, and a breakfast bara€”perfect for enjoying your morning coffee. The

    Nekije Rizvani Keller Williams Village Square Realty - Wyckoff

    143 Delmar Ave, Glen Rock, NJ 07452
  • /27

    $540,000 Open Sun 1PM - 4PM

    • 2 Beds
    • 3 Baths

    175 Rochelle Ave Unit 321, Rochelle Park, NJ 07662

    Welcome to Windsor Court Condominiums! A luxury (80 unit) midrise featuring a gated ground level parking garage, an elegant lobby, community room and, fitness center. This 3rd floor 2-story penthouse boasts 2 bedrooms, 3 full baths, and a spacious loft perfect for relaxing with room for an in-home office. Open concept dining room and living room have hardwood floors and a vaulted ceiling. French

    Stephanie Sotell-Lesslauer Keller Williams Village Square Realty

    175 Rochelle Ave Unit 321, Rochelle Park, NJ 07662
  • /22

    $624,999 Open Sun 1PM - 3PM

    • 7 Beds
    • 2 Baths

    311 12th Ave, Paterson, NJ 07514

    Excellent Investment opportunity in paterson! Welcome to 311 12th Ave- a solid multi family Property perfect for investors or owner occupants seeking cash flow and long term potential. This well maintained property features 2 spacious units just over 1,100 square feet. 1st floor consists of 3 bedrooms while the second floor consists of 4 bedrooms. Located near schools, public transportation and

    IVETTELIS CASTRO REAL

    311 12th Ave, Paterson, NJ 07514
  • /26

    $635,000 Open Sun 1PM - 4PM

    • 3 Beds
    • 2 Baths

    101 Large Ave, Hillsdale, NJ 07642

    Charming and beautifully updated home in the heart of Hillsdale! This 3-bedroom, 2 full bathroom home offers warmth, character, and smart updates throughout. The bright living room flows into a cozy dining area, creating a great space for everyday living and entertaining. The renovated kitchen features stylish cabinetry, updated appliances, and an efficient layout designed for both function and

    Deborah Felder Coldwell Banker, Fort Lee

    101 Large Ave, Hillsdale, NJ 07642
  • /29

    $750,000 Open Sun 1PM - 3PM

    • 4 Beds
    • 4 Baths

    314 Salem St, New Milford, NJ 07646

    Welcome to 314 Salem Street, a distinguished residence nestled in the heart of New Milford, NJ. This meticulously renovated home offers four spacious bedrooms and four modern bathrooms, perfectly designed to accommodate a variety of lifestyles. The property boasts elegant hardwood floors throughout, providing a warm and inviting atmosphere. The recently updated kitchen is a culinary enthusiast's

    Roi Klipper Corcoran Infinity Properties, Ridgewood

    314 Salem St, New Milford, NJ 07646
  • /25

    $659,000

    • 4 Beds
    • 2 Baths

    548 Bryant Place, Rivervale, NJ 07675

    This adorable 4 bedroom, 2 full bath cape cod style home set on a quiet side street, welcomes you to River Vale! Closeby to the heart of town this charming home is perfect for first time buyers or downsizers, offering one floor living with the primary bedroom and a full bath on the first floor. Cute porch, nice size yard with deck, one car garage and part finished basement with rec room. With

    Dawn Buldo Keller Williams Valley Realty

    548 Bryant Place, Rivervale, NJ 07675
  • /25

    $599,000 Open Sun 12PM - 3PM

    • 4 Beds
    • 1.5 Baths

    131 Erie Ave, Midland Park, NJ 07432

    Welcome to 131 Erie Avenue! Opportunity awaits within this charming cape cod home nestled among beautiful trees in desirable Midland Park neighborhood. The beautiful, covered porch and classic brick fireplace enhance the homes charming curb appeal. Step inside the large living room with original wood floors, filled with classic charm and custom millwork throughout. Centered is a beautiful brick

    Barbra Mulholland United Real Estate

    131 Erie Ave, Midland Park, NJ 07432
  • /43

    $745,000

    • 4 Beds
    • 2 Baths

    55 Harrison Ave, Waldwick, NJ 07463

    This charming 1930a€TMs 2-family home presents a unique opportunity for both investors seeking an income-generating property and families looking for a spacious, well-maintained residence to call their own. Situated on a.13,904 approx. lot, this well-preserved home boasts both a convenient in-town location and unparalleled privacy. The first floor offers a front porch to have your morning coffee,

    David Barthold Christie's International Real Estate Group-Franklin Lakes

    55 Harrison Ave, Waldwick, NJ 07463
  • /50

    $1,475,000 Open Sat 1PM - 5PM

    • 4 Beds
    • 3.5 Baths

    695 Terhune Rd, Ridgewood, NJ 07450

    Settle into one of Ridgewooda€TMs most coveted neighborhoods just in time for the school yeara€”your children will benefit from one of NJa€TMs top-rated districts. This exquisitely reconstructed 4-bed, 3.5-bath home combines refined design with everyday comfort. An open-concept layout features hardwood floors, custom LED lighting, and high-end finishes throughout. The formal living room centers

    Carina Martinez Pflieger Realty Group, LLC

    695 Terhune Rd, Ridgewood, NJ 07450
  • /21

    $589,000

    • 4 Beds
    • 1 Bath

    634 Bartell Place, Ridgewood, NJ 07450

    Don't miss this fantastic opportunity to live in the Hawes School district! Calling all contractors/builders and anyone that wants a home to renovate! Situated on a tree-lined cul-de-sac, this property is waiting for someone to create their dream home! It is currently, a four bedroom, one bath, one car garage Cape Cod. The property is 65' wide in the front and 80' wide across the back by

    Christine Aderhold Coldwell Banker, Ridgewood

    634 Bartell Place, Ridgewood, NJ 07450
  • /26

    $789,000

    • 4 Beds
    • 2 Baths

    55 Beech St, Westwood, NJ 07675

    Way Bigger than it looks so come see this immaculate home w/all its amazing features! 1st fl features 4thBRm & updated Full BA w/travertine tile, lrg glass shower & radiant floors, perfect for overnight guests or extended family. NEW Trex Deck Porch invites you into the entry way, LR, FDR (current use for add't living space), modern kitchen w/radiant floor heat, NEW Meile D/W, Newer Double wall

    Dawn Buldo Keller Williams Valley Realty

    55 Beech St, Westwood, NJ 07675
  • /27

    $799,999

    • 9 Beds
    • 5 Baths

    468 E 26th St Unit 470, Paterson, NJ 07514

    WELCOME TO THIS AMAZING INVESTMENT OPPORTUNITY!! LEGAL 3 FAMILY HOUSE FEAUTURING ON THE 1ST, 2ND, & 3RD FLOOR LIVING RM, DINING RM, 3 GOOD SIZE BEDROOMS, BATHROOM & EAT-IN KITCHEN. FINISHED BASEMENT, DRIVEWAY RECENTLY REDONE WITH BLACK TOP. EXCELLENT MONEY MAKER, MOST SEE TO APPRECIATE. HOUSE SOLD AS IS.

    ROSELYS RAMIREZ NICHOLAS REAL ESTATE AGENCY

    468 E 26th St Unit 470, Paterson, NJ 07514
  • /33

    $550,000 Open Sun 1PM - 3PM

    • 4 Beds
    • 2 Baths

    147 Pine Ave, New Milford, NJ 07646

    Nestled at the end of a peaceful dead-end street, this home offers a rare opportunity to own a spacious and versatile home in one of New Milforda€TMs most established neighborhoods. Ideal for extended families or those in need of flexible living space, this home features a generous layout designed for comfort, privacy, and functionality. Step inside to discover multiple living areas that can

    Rebecca LaPira RE/MAX Signature Homes

    147 Pine Ave, New Milford, NJ 07646
  • /14

    $859,000

    • 5 Beds
    • 2 Baths

    412 Gregory Rd, Paramus, NJ 07652

    Located in one of Paramus' most desirable neighborhoods, this spacious 5-bedroom, 2-bathroom home offers incredible potential for the right buyer. Inside, the home is ready for a full renovationa€”but with a functional layout, generous square footage, and an enclosed sunporch, the possibilities are endless. Set on a beautiful, private lot with a lush yard, this property is perfect for investors

    Christopher Paricio Walker's Realty

    412 Gregory Rd, Paramus, NJ 07652
  • /5

    $645,000

    • Land
    • 0.00 Acre

    200 N Farview Ave, Paramus, NJ 07652

    Build your dream home on a convenient Paramus location. Close to all and in the heart of the town. Attention builders: This .38 acre lot is approximately 60 x 283 x 60.10 x275. Please see attached recent survey. No easements noted on survey. It gradually slopes downward. Ready for your to build a custom home on. The prior home on the lot, it's basement and driveway have all been removed. Driveway

    Jeana Cowie RE/MAX Properties-Saddle River

    200 N Farview Ave, Paramus, NJ 07652
  • /24

    $699,900

    • 2 Beds
    • 2 Baths

    118 May St, Hawthorne, NJ 07506

    Spacious Two Family Home. Ideal for Additional Family or Rental Income. Relaxing Enclosed Front Porch Features Separate Entrances To Each Apartment. First Floor Features Foyer/Small Dining Area, Living Rm, Updated Kitchen, Bedroom & Full Bath. 2nd Floor Offers Shared Front Porch, Large Eat In Kitchen, Living Rm, Bedroom, Office With Attached Full Bath & Finished 3rd Floor With Additional Living

    Mary Contini COLDWELL BANKER REALTY

    118 May St, Hawthorne, NJ 07506
  • /34

    $549,900

    • 4 Beds
    • 2 Baths

    19 Mawhinney Ave, Hawthorne, NJ 07506

    Clean, well maintained, and ready to move in home on a dead-end street! Features a large, bright kitchen w/ample cabinets, granite counters, ss applncs, wood flooring and door out to a deck. The living rm is spacious, has wood flooring, and is sun-lit by a lrg front window...actually all the rooms get a lot of natural light. There are also 2 brms down that are being used as a den and office, and

    Andrew DeNully Genesis Associates, Inc.

    19 Mawhinney Ave, Hawthorne, NJ 07506
  • /6

    $549,000

    • 4 Beds
    • 3 Baths

    423 River St, Paterson, NJ 07524

    Welcome to this renovated legal two-family home, perfectly situated in a convenient location in Paterson. Whether you're an investor seeking strong rental potential or a buyer looking to live in one unit while renting the other, this property is a must-see!The first-floor unit offers a bright 1-bedroom layout with full bath, living room, and an eat-in kitchen. The second-floor unit features 3

    Desiree Garcia REAL

    423 River St, Paterson, NJ 07524

Showing Results 81 - 120, Page 3 of 14

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