1,148

Homes for Sale near Etta Gero School No. 9

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  • /7

    $749,000

    • 4 Beds
    • 3 Baths

    276 E 19th St Unit 278, Paterson, NJ 07524

    RECENTLY RENOVATED. 2 FAMILY HOME OFFERING LIVING RM, DINING RM, EAT-IN KITCHEN, 3 BEDROOMS & BATH ON FIRST FLOOR. 3 ROOMS & 1 BATH ON SECOND FLOOR. PARTIALLY FINISHED BASEMENTWITH BATH. GREAT LOCATION NEAR PUBLIC TRASPORTATION. MAJOR HIGHWAYS. HOUSE OF WORSHIP. HOUSE SOLD "AS IS."

    CESAR GUZMAN NICHOLAS REAL ESTATE AGENCY

    276 E 19th St Unit 278, Paterson, NJ 07524
  • /32

    $750,000

    • 3 Beds
    • 2 Baths

    344 10th St, Carlstadt, NJ 07072

    This 2-Family has a lot of potential. Great location with low taxes and just minutes from all your shopping needs. This home is broken into two units. A 2 bedroom unit and a 1 bedroom unit. It also has a full basement for additional storage or if finished additional living space.

    Ryan Mcnerney Realty Associates, Inc.

    344 10th St, Carlstadt, NJ 07072
  • /44

    $799,900

    • 4 Beds
    • 2 Baths

    43 Graydon Terrace, Clifton, NJ 07013

    Renovated Excellent Condition 1st fl Living room, Eat-in kitchen, dining area, family room, 2 bedrooms, full bath. Kitchen has sliding door to large deck and private large backyard. 2nd fl. 2 bedrooms, full bath. Finished basement with rec room, family room, laundry room. Large back yard. easy access to Public transportation and Highways. Vacant. ready for you to move in.

    Diab Mustafa EXP REALTY, LLC

    43 Graydon Terrace, Clifton, NJ 07013
  • /24

    $599,900

    • 3 Beds
    • 1 Bath

    237 Park Ave, Lyndhurst, NJ 07071

    Immerse yourself in the charm and functionality of this newly renovated home, nestled in the serene surroundings of Lyndhurst, New Jersey. Upon entry, prepare to be greeted by a delightful ambiance highlighted by recessed lighting that guides you through a comfortable living space. This delightful residence boasts three bedrooms with one full bathroom. Step outside to appreciate the practical and

    CHRYSTIAN J. ZUNIGA RE/MAX SELECT

    237 Park Ave, Lyndhurst, NJ 07071
  • /48

    $1,500,000 Open Sat 2PM - 4PM

    • 5 Beds
    • 3.5 Baths

    16 Coles Ct, River Edge, NJ 07661

    Welcome to New Construction Modern Colonial Luxury home with 5 Bedrooms with 3 Full baths. Main floor is welcomed with double story foyer, living room, and a vaulted ceiling dining room connected to a modern oversized island with a waterfall countertop, custom kitchen cabinets, along with highend Samsung Kitchen Appliances and access to back yard. 2 Bedrooms, 1 Full bath, w/access to attached 2

    Grace Lee RE/MAX NOW - Palisades Park

    16 Coles Ct, River Edge, NJ 07661
  • /36

    $1,099,000 Open Sat 1PM - 3PM

    • 4 Beds
    • 2.5 Baths

    416 Kingsland Ave, Lyndhurst, NJ 07071

    Step into this stunning new construction home where modern craftsmanship meets upscale design. this elegant 4-bedroom, 2.5-bath residence impresses with a sophisticated brick veneer exterior and premium interior finishes, statement lighting, and spa-inspired bathrooms with heated-seat technology. Enjoy two electric fireplaces-one in the living room and another in the luxurious primary suite,

    Nader Dadgostar Prominent Properties Sotheby's International Realty-Edgewater

    416 Kingsland Ave, Lyndhurst, NJ 07071
  • /46

    $799,900

    • 3 Beds
    • 2.5 Baths

    58 Mountainview Ave, Nutley, NJ 07110

    Welcome to this charming and spacious home located in the heart of Nutley! Featuring a beautifully renovated kitchen, two full bathrooms, and three generous bedrooms, this home offers comfort, style, and plenty of room to grow. Enjoy gatherings in the bright and airy family room, or retreat to the bonus third-floor finished attic perfect as a home office, playroom, or guest space. Basement is

    MARY RYDER KELLER WILLIAMS - NJ METRO GROUP

    58 Mountainview Ave, Nutley, NJ 07110
  • /32

    $505,000

    • 4 Beds
    • 2 Baths
    • 1,325 Sq Ft

    436 Dewitt Ave, Belleville, NJ 07109

    Perfect Starter Home in Belleville!Step into homeownership with this spacious 4-bedroom, 2-bath gem featuring gleaming hardwood floors throughout. The flexible layout even offers a mother/daughter setup with an extra kitchen, bath, and bedroom in the basement?ideal for guests.Commuters will love the easy access to NYC, Newark Airport, and nearby shopping. And when the day?s done, your backyard is

    Lisa Camarato PROMINENT PROPERTIES SIR

    436 Dewitt Ave, Belleville, NJ 07109
  • /15

    $215,000

    • 1 Bed
    • 1 Bath
    • 858 Sq Ft

    39 E 39th St Unit 2L, Paterson, NJ 07514

    Large 1 Bedroom Condo located on 2nd floor includes Large Entrance Foyer, Living Room with Dining Room Area, Kitchen, & Full Bath, Unit is approximately 858 sq ft and Plenty of closets for storage. Building amenities include, Elevator building, Doorman, Laundry (on site), fitness center, community room, outdoor pool, parking & 24hr doorman. Close to major highways.

    MARIA WARNER REALTY ONE GROUP LIVING

    39 E 39th St Unit 2L, Paterson, NJ 07514
  • /25

    $679,000

    • 4 Beds
    • 2 Baths

    15 Carol Place, Bloomfield, NJ 07003

    Spacious 4BR/2BA home in Bloomfielda€TMs desirable Brookdale area! Features include formal living & dining rooms, an eat-in kitchen, family room, and partially finished basement. Enjoy the great yard space with a brand-new decka€”perfect for entertaining or relaxing outdoors. Kitchens and baths are move-in ready with exciting DIY potential to personalize and add value. Close to parks, schools,

    Shaquella Jones Keller Williams City Views Realty

    15 Carol Place, Bloomfield, NJ 07003
  • /34

    $495,000

    • 3 Beds
    • 3 Baths

    1 Spruce St, Passaic, NJ 07055

    WELCOME TO THIS CHARMING COLONIAL FEATURING 5 SPACIOUS ROOMS, KITCHEN W/STAINLESS STEEL APPLIANCES-LIVING RM W/STONE GAS FIRELACE INCLUDING 3 BDRMS, 1 FULL BATH & 2 1/2 BATHS. THIS HOME OFFERS A FINISHED BASEMENT WITH A RECREATION ROOM PROVIDING ADDITIONAL LIVING & ENTERTAINING SPACE W/ LAUNDRY RM. A LRG BACKYARD W/STORAGE SHED & DETACHED GARAGE ADD TO THE PROPERTYS APPEAL. THIS WELL MAINTAINED

    Judith Mizzone REALTY EXECUTIVES EXCEPTIONAL

    1 Spruce St, Passaic, NJ 07055
  • /29

    $449,900 Open Sat 1PM - 3PM

    • 2 Beds
    • 2 Baths

    307 Prospect Ave Unit 9a, Hackensack, NJ 07601

    Gorgeous oversized sunny condo in luxury building on Prospect Avenue! Over 1200 square feet of living space with a split bedroom/bath layout to ensure privacy. The huge living room is 20.10' X 13.11' and faces east. The brand-new kitchen features a custom designer backsplash and beautiful new cabinets. Two brand new baths one with a shower over a glass enclosed tub and the other with a stall

    Dorothy Monopoli Berkshire Hathaway Home Services Abbott Realtors

    307 Prospect Ave Unit 9a, Hackensack, NJ 07601
  • /10

    $599,000

    • 5 Beds
    • 4 Baths

    72-74 Maple St, Paterson, NJ 07522

    Discover this spacious and versatile 2-family home in the heart of Paterson, NJ an excellent opportunity for both homeowners and investors. Offering a rare 3-car garage and private driveway, this property provides highly sought-after off-street parking. The finished basement includes a full bath and bonus room, perfect as a home office, guest suite, or additional storage.The first-floor unit

    Johnny Rodriguez REALTY ONE GROUP LEGEND

    72-74 Maple St, Paterson, NJ 07522
  • /29

    $699,000

    • 3 Beds
    • 2.5 Baths

    93 Prospect St Unit 6, Garfield, NJ 07026

    Discover modern living in this stunning end-unit townhome built in 2020. The ground floor offers a garage entrance, stackable laundry, a full bathroom, and a bedroom that opens to an outdoor patio. The second floor features a bright living room, an open-concept kitchen and dining area with sleek finishes, and a powder room. A private deck extends from this space, ideal for relaxing or

    Bashkim Arifi KELLER WILLIAMS VILLAGE SQUARE

    93 Prospect St Unit 6, Garfield, NJ 07026
  • /13

    $230,000

    • 2 Beds
    • 2 Baths

    285 Aycrigg Ave Unit 19G, Passaic, NJ 07055

    Soar above Passaic Park in this sun-splashed 19th-floor, two-bedroom, two-bathroom residence at Carlton Tower one of the area's premier full-service buildings. A large, open layout is ideal for living and entertaining, framed by sweeping views toward Garret Mountain and NYC skyline. The home is priced with room for your vision bring your contractor and create the finishes you love while enjoying

    Edan Young EXCLUSIVE PROPERTIES REALTY LLC

    285 Aycrigg Ave Unit 19G, Passaic, NJ 07055
  • /13

    $799,000

    • 3 Beds
    • 1.5 Baths

    151 Jackson Ave, Rutherford, NJ 07070

    LOCATION! LOCATION! LOCATION! COLONIAL HOME IN Owner POSSESSION OVER 50 YEARS! MANY IMPROVEMENTS INCLUDING NEW ROOF/220 ELECTRIC/ NEW DECK/ORIGINAL WOOD FLOORS REFINISHED/FRESHLY PAINTED THROUGHOUT. OVERSIZED 2 CAR GARAGE CAPABLE OF 4 CARS TANDEM. LOFT offerS TREMENDOUS STORAGE POSSIBILITIES. GARAGE INCLUDES ELECTRIC SERVICE AND PLUMBING! ENJOY ALL RUTHERFORD HAS TO offer; TOP RATED

    Kevin Klemens C-21 GEMINI, LLC.

    151 Jackson Ave, Rutherford, NJ 07070
  • /26

    $625,000

    • 3 Beds
    • 1.5 Baths

    9 Peru Rd, Clifton, NJ 07012

    Welcome to this charming Colonial-style single-family home located in the desirable Allwood section of Clifton! This beautifully maintained residence offers 3 spacious bedrooms and 1.5 bathrooms, perfect for comfortable living. Enjoy a modern lifestyle with central A/C and forced hot air throughout. The main level features gleaming hardwood floors, while the upstairs bedrooms are carpeted for

    ANDRES M. VELAZQUEZ REAL

    9 Peru Rd, Clifton, NJ 07012
  • /44

    $799,000

    • 4 Beds
    • 2.5 Baths

    18 Knox Place, Nutley, NJ 07110

    STUNNING SPLIT-LEVEL. 4 BRS, 2.5 BATHS. PRIVATE SECLUDED LOCATION. DEAD END STREET.

    DOMENICK NICASTRO CASTLE REALTY OF NJ LLC

    18 Knox Place, Nutley, NJ 07110
  • /35

    $949,000 Open Sun 1PM - 3PM

    • 4 Beds
    • 3.5 Baths

    614 Rifle Camp Rd, Woodland Park, NJ 07424

    This is it, your dream home! Tucked away on top of Rifle Camp Rd. Come and see this fully upgraded top to bottom, custom ranch. This beautiful home sits on almost an acre of land! The exterior features custom locally sourced one of a kind red stone siding. Pull into your oversized driveway, up to the large detached garage with extra space for storage and its own dedicated power, enough for an EV

    Fred Verillo Verillo Realty Agency

    614 Rifle Camp Rd, Woodland Park, NJ 07424
  • /26

    $420,000

    • 2 Beds
    • 1.5 Baths

    221-223 E 15th St Unit C, Paterson, NJ 07524

    Welcome to this charming and well-maintained 2 Bedroom townhouse, offering both comfort and convenience, with a large 2-car garage, and a private side yard, The Large 2-Car Garage: Plenty of room for your vehicles and additional storage. Enjoy outdoor space perfect for relaxation or gardening. With 2 well sized Bedrooms, 1 and 1/2 Bathrooms, Open Floor Plan: A bright, airy living space that flows

    Morayma Yeng-Durate MYD REALTY LLC

    221-223 E 15th St Unit C, Paterson, NJ 07524
  • /19

    $565,000

    • 3 Beds
    • 2.5 Baths

    159 Anderson Ave, Wallington, NJ 07057

    Move-in Ready with Exceptionally Low Taxes ; A Rare Opportunity! Step into comfort and convenience with this beautifully updated home, ready for immediate occupancy. Enjoy peace of mind knowing everything has been thoughtfully renovated; no work needed, just unpack and settle in. With remarkably low property taxes, this home offers unbeatable value in todaya€TMs market. Ideal for buyers seeking

    Grace Perez Coldwell Banker, Hillsdale

    159 Anderson Ave, Wallington, NJ 07057
  • /16

    $499,900

    • 5 Beds
    • 2.5 Baths

    599 E 25th St, Paterson, NJ 07514

    Welcome home to this spacious Colonial 5 bedroom, 2.5 bathroom home! Step inside to the living room, dining room, eat-in kitchen, family room and full bath on the first floor. Second floor features 3 bedrooms and a full bath. On the third floor there are 2 more bedrooms. The finished basement offers a half bath and extra rooms that can be used as a recreation room or for storage purposes. With

    ROSALINDA ARRIETA WARNER UNICASA UNION REALTY INC

    599 E 25th St, Paterson, NJ 07514
  • /21

    $399,000

    • 1 Bed
    • 1 Bath

    289 Valley Blvd Unit 1D, Wood Ridge, NJ 07075

    Located in the heart of Wood Ridge, this stunning condo truly has it all! Enjoy the convenience of indoor parking, beautiful tile floors throughout, in-unit laundry, and a private balcony. The spacious dining area and large bedroom offer both comfort and functionality. Perfectly situated close to shopping, dining, and transportation, this is a commutera€TMs dream! Dona€TMt miss the chance to make

    Heather Corrigan RE/MAX Signature Homes

    289 Valley Blvd Unit 1D, Wood Ridge, NJ 07075
  • /27

    $263,000

    • 1 Bed
    • 1 Bath

    301 Beech St Unit 10I, Hackensack, NJ 07601

    Welcome to a lifestyle of luxury in the beautiful Executive House. This is the perfect opportunity to own this Jr. 1 bedroom unit w/LR & D/A combination, lg. bedroom and walk-in closet updated with brand new Engineered European White Oak floors and brand new A/C-Heat motors. All utilities are included in the maintenance fee including heat and A/C. The executive house offers all the amenities of

    Robin Baron RE/MAX Properties-Saddle River

    301 Beech St Unit 10I, Hackensack, NJ 07601
  • /31

    $459,600

    • 2 Beds
    • 2 Baths
    • 1,343 Sq Ft

    132 Cory Ln Unit C0132, Elmwood Park, NJ 07407

    This active adult community, 55+, offers an elevator to this beautiful, spacious, CORNER unit. Master bedroom in suite, nice-sized 2nd bedroom, all with large walk-in closets. Laundry in the unit.Central air. Amenities include a clubhouse, an outdoor pool, an exercise room, and assigned covered parking.

    Elvin Ames SMART REALTY, LLC.

    132 Cory Ln Unit C0132, Elmwood Park, NJ 07407
  • /24

    $475,000

    • 2 Beds
    • 2 Baths
    • 1,399 Sq Ft

    900 Van Houten Ave Unit A5, Clifton, NJ 07013

    This beautifully maintained, end-unit townhome boasts a bright, open living space in a truly prime location. Features include a welcoming entryway, updated kitchen with stainless steel appliances, granite countertops & center island, dining area with sliding glass doors to balcony, living room, abundant natural light & neutral color palette, generous primary bedroom with ensuite bath & private

    Bob Gannon KELLER WILLIAMS PROSPERITY REALTY

    900 Van Houten Ave Unit A5, Clifton, NJ 07013
  • /19

    $629,900

    • 5 Beds
    • 2 Baths

    473 Broadway, Passaic, NJ 07055

    Passaic Park 2-family home offering 11 rooms, 5 bedrooms and 2 full baths. Large eat in kitchens, formal living and dining rooms. Features include a finished attic, full basement, hardwood floors, detached garage, and private yard. Don't miss this great opportunity.

    TINA CERNUDA RE/MAX VILLA REALTORS

    473 Broadway, Passaic, NJ 07055
  • /5

    $275,000

    • 1 Bed
    • 1 Bath

    2-35 Virginia Dr Unit A, Fair Lawn, NJ 07410

    Welcome to this spacious and inviting first-floor apartment! This 1-bedroom, 1-bathroom unit features a functional layout with a bright living room, dining area, and a well-equipped kitchen. The large bedroom offers plenty of closet space, while the full bathroom completes the homea€TMs comfortable design. Enjoy the convenience of countless parking spaces just steps from your door, along with

    Ia Betlemidze Exclusive Properties Realty, LLC

    2-35 Virginia Dr Unit A, Fair Lawn, NJ 07410
  • /30

    $699,000

    • 4 Beds
    • 3 Baths

    26 Platt Ave, Saddle Brook, NJ 07663

    A Must-See! NON-Flood LOW Tax, Stunning Home in a Prime Location. This beautifully updated 4-bedroom, 3-bathroom home is a true gem! This home is designed for comfort and style, featuring a spacious Living room and dinning room, a gorgeous kitchen with Updated cabinets, and granite countertops. Enjoy gleaming hardwood floors, Central AC, a full finished basement, with a driveway and one car

    Alam Abdelaziz HOMENET REALTY

    26 Platt Ave, Saddle Brook, NJ 07663
  • /9

    $449,900

    • 4 Beds
    • 2 Baths

    414 21st Ave, Paterson, NJ 07513

    Great location. Residential and commercial zone Great potential. Very easy access to major highways to Route 80, 46, 20, GS Parkway. Also, few minutes to downtown Paterson. Public transportation. First floor Living room, Large new eat in kitchen, 2 bedrooms and full bath. Separate entrance to 2nd floor with 2 rooms and full bath. Large basement with good potential. LOW, LOW, LOW taxes.

    Florencio Lopez UNICASA UNION REALTY INC

    414 21st Ave, Paterson, NJ 07513
  • /26

    $574,999

    • 5 Beds
    • 2 Baths

    276 High St, Hackensack, NJ 07601

    This beautifully updated oversized Colonial offers 5 spacious bedrooms, 2 full bathrooms, and a versatile bonus rooma€”perfect for modern living. Recently renovated from top to bottom, the home showcases brand-new floors, recessed lighting, updated kitchen cabinets, new light fixtures, fresh paint, and a fully refreshed unfinished basement with a private side-door entrance. The kitchen is

    Miguel Rondon Keller Williams Town Life

    276 High St, Hackensack, NJ 07601
  • /33

    $599,000

    • 3 Beds
    • 2 Baths

    111 Autumn St, Lodi, NJ 07644

    Step into this stunning, fully renovated Colonial style home offering 5 rooms, 3 bedrooms, and 2 full bathrooms. Thoughtfully updated from top to bottom, this inviting residence blends modern upgrades with classic charm. The first floor boasts an open-concept layout, beginning with a generous living room that flows seamlessly into a beautifully designed custom kitchen. Enjoy brand-new stainless

    Aldo Merendino Berkshire Hathaway Home Services Merendino Realty

    111 Autumn St, Lodi, NJ 07644
  • /18

    $379,900

    • 4 Beds
    • 4 Baths
    • 1,334 Sq Ft

    879 Madison Ave, Paterson, NJ 07501

    GREAT STARTER INVESMENT!! Affordable 2 family house on a 20 x 164 lot shared driveway easement used with neighbors. Lots of potential. 1st fl 1 bedroom, LR, kitchen and bath. 2nd fl 2 bedrooms, LR, kitchen and bath. Attic finished can be combined with the 2nd fl. Basement partially finished with bathroom. 2 car garage. PROPERTY BEING SOLD IN AS-IS CONDITION. SELLER WILL MAKE NO REPAIRS.

    Nancy Pavic CASA REAL PROPERTY GROUP LLC

    879 Madison Ave, Paterson, NJ 07501
  • /9

    $350,000

    • 2 Beds
    • 1 Bath

    49 Hope St - Aka 119 Oxford, Paterson City, NJ 07522

    ACTUAL ADDRESS IS 119 OXFORD ST - ONE FAMILY HOME OFFERING OPEN FLOOR PLAN W/ LIVING RM, MODERN KITCHEN W/ DINING ISLAND, 2 BEDROOMS, ADTL RM & BATH. LARGE YARD.

    Nicholas Tselepis NICHOLAS REAL ESTATE AGENCY

    49 Hope St - Aka 119 Oxford, Paterson City, NJ 07522
  • /27

    $675,000

    • 4 Beds
    • 2 Baths

    65 Ernst Ave, Bloomfield, NJ 07003

    Welcome to this spacious 3-bedroom, 2-bath home in the heart of Bloomfield, offering the perfect blend of comfort, character, and convenience. With a furnace and water heater that are only three years old, you'll have peace of mind knowing major systems are up to date.Inside, you'll find an abundance of natural light and plenty of space to spread out. The finished attic provides a great option

    Justin Torres PROMINENT PROPERTIES SIR

    65 Ernst Ave, Bloomfield, NJ 07003
  • /4

    $549,000

    • 3 Beds
    • 2 Baths
    • 1,292 Sq Ft

    114 Hackensack Ave, Ridgefield Park, NJ 07660

    Welcome to 114 Hackensack Ave in the heart of Ridgefield Park! This spacious home offers incredible potential just minutes from Manhattan, major highways, and public transportation. Featuring a large layout, private driveway, and generous backyard space, it's perfect for homeowners or investors. Located in a desirable neighborhood with top-rated schools, parks, and local amenities nearby. Don't

    RICHARD BRITO BENJAMIN RE/MAX SELECT

    114 Hackensack Ave, Ridgefield Park, NJ 07660
  • /11

    $749,900

    • 5 Beds
    • 4 Baths

    112 Lester St, Wallington, NJ 07057

    Welcome to Wallington, NJ a€“A renovated 2 family home offering comfort, convenience, and a great investment opportunity. Both units are currently tenant-occupied, providing strong rental income for investors or an ideal setup for an owner-occupant looking to offset expenses. The 1st fl unit features a modern kitchen w/ granite countertops, tiled flooring, & updated cabinetry w/ dining area &

    Agata Kowalczyk RE/MAX 100

    112 Lester St, Wallington, NJ 07057
  • /24

    $598,880 Open Sat 1PM - 4PM

    • 3 Beds
    • 2.5 Baths

    29 Sunset Ave, Belleville, NJ 07109

    Light and airy best describes this beautifully updated home tucked in a quiet neighborhood just one block from Nutley. Feel miles away from the hustle and bustle while staying within minutes on foot or by car of every convenience.Relax in your private backyard with a paver patio, or start your mornings with coffee in your 3 season sun-soaked front porch. As you enter into the living room the

    MICHAEL D. CRAVO REALTY OF AMERICA

    29 Sunset Ave, Belleville, NJ 07109
  • /33

    $450,000

    • 2 Beds
    • 2 Baths

    160 Overlook Ave Unit 2C, Hackensack, NJ 07601

    BACK ON THE MARKET!!! Welcome to this beautifully renovated condo located near Prospect Avenue luxury area. It features large rooms including an entry foyer, separate large primary bedroom/primary bathroom, large guest room, guest bathroom, lots of closets, EIK, large dining room. There's a state of the art exercise gym, 24 hour doorman and security, laundry located on each floor. Close to NYC

    Cecilia Broomfield Match Realty LLC

    160 Overlook Ave Unit 2C, Hackensack, NJ 07601
  • /30

    $899,000

    • 4 Beds
    • 2 Baths

    565 Center St, Wood Ridge, NJ 07075

    Welcome to 565 Center Street & 56 Columbia Street, Wood-Ridge-a rare two-lot property with dual street access and plenty of room to grow. This extended Cape Cod home, originally built in 1961 with a substantial extension added in 2010, blends comfort, space, and convenience-all just minutes from NYC. Featuring 4 bedrooms and 2 full baths across 1,932 sq. ft., the home offers a warm and functional

    SHARAD PATEL Realty One Group Legend, Clifton

    565 Center St, Wood Ridge, NJ 07075

Showing Results 441 - 480, Page 12 of 16

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