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Homes for Sale near Pine Beach Elementary School

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  • /26

    $304,900

    $34K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 1,124 Sq Ft

    28 Montserrat St, Toms River, NJ 08757

    Beautifully renovated home in the sought-after 55+ community of Holiday City Berkeley! This inviting residence offers an open floor plan for effortless living and entertaining. The chef's kitchen features crisp cabinetry, a large center island, spacious pantry, and French door to the outdoors--perfect for morning coffee or evening gatherings. Updates include new windows (2020), roof, and gutters

    MariAnn Costella Weichert Realtors-Toms River

    28 Montserrat St, Toms River, NJ 08757
  • /28

    $379,000

    • 3 Beds
    • 1 Bath
    • 1,000 Sq Ft

    30 Harborage Ave, Bayville, NJ 08721

    Welcome HOME to this Modest well-appointed Ranch in Sloop Creek Estates! Located on a Quiet Neighborhood & Close to Shopping, & Major Transportation Arteries! Open Entertaining Area w/LR open to Updated Kitchen w/Solid Surface Countertop & Newer Cabinetry & Appliances! Stackable W/D in Kitchen. Large DR could be Fam Rm Combo w/Sliders to an enclosed Sunroom w/Potential to Finish! Bilko Doors to

    Mike Mennie Pittenger Realty LLC

    30 Harborage Ave, Bayville, NJ 08721
  • /58

    $849,990

    New Construction
    • 5 Beds
    • 2.5 Baths

    1 Southern Blvd, Bayville, NJ 08721

    Welcome to The Tides at Bayville, Bayville's newest luxury home community, where modern comfort meets coastal charm. Nestled within a picturesque park-like setting, this exclusive community of just 15 single-family homes offers the perfect balance of tranquility and convenience. Ideally located near the Garden State Parkway and the scenic shores of Barnegat Bay, residents can enjoy effortless

    Joy Bearden Keller Williams Preferred Properties,Ship Bottom

    1 Southern Blvd, Bayville, NJ 08721
  • /27

    $595,000

    $30K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,368 Sq Ft

    786 Garfield Ave, Toms River, NJ 08753

    Welcome to this spacious 4 bedroom, 2.5 bath Colonial nestled in the highly desirable East Dover section of Toms River. This well-maintained home offers the perfect blend of comfort, functionality, and coastal living, just minutes from the Jersey Shore beaches. The inviting floor plan features generous living and dining areas, a bright kitchen and comfortable family room, ideal for everyday

    Stephanie Sevastakis RE/MAX Revolution

    786 Garfield Ave, Toms River, NJ 08753
  • /20

    $629,000

    • 4 Beds
    • 2 Baths
    • 1,803 Sq Ft

    1117 Verdant Rd, Toms River, NJ 08753

    Beautifully maintained expanded ranch on an extra-large corner property in the desirable Toms River area! This spacious home features 4 bedrooms and 2 full baths, offering plenty of room for comfortable living. The large family room boasts high ceilings and a cozy gas fireplace steps away from an inviting patio perfect for relaxing or entertaining. Enjoy peace of mind with newer major updates

    Nancy Galatro Robert DeFalco Realty Inc.

    1117 Verdant Rd, Toms River, NJ 08753
  • /63

    $650,000

    • 5 Beds
    • 2.5 Baths
    • 2,077 Sq Ft

    23 Layton Ave, Pine Beach, NJ 08741

    2-story home where timeless curb appeal meets exceptional indoor & outdoor living. Enhanced w/stone front accents, covered arched entry & dbl wide driveway, this property is just minutes to marinas & beaches! White vinyl fencing surround park-like grounds w/lush landscaping. Bkyrd oasis features L-shaped IG pool w/opt. safety fence, upper deck, paver patio, pergola, koi pond, & private deck.

    Lori Petersen RE/MAX at Barnegat Bay

    23 Layton Ave, Pine Beach, NJ 08741
  • /31

    $599,000

    • 3 Beds
    • 2 Baths

    28 Cedar St, Bayville, NJ 08721

    Welcome to this well-maintained 3bed, 2ba ranch located 1 Block from open bay with accessible Marina and Bay Beach. This home features an attached garage, a spacious bonus room with a cozy wood-burning fireplace, and a bright screen room perfect for relaxing or entertaining year-round.The functional ranch layout offers easy one-floor living with generous living space both inside and out.

    Eugene Bator RE/MAX at Barnegat Bay

    28 Cedar St, Bayville, NJ 08721
  • /46

    $549,000

    Open Sun 12PM - 2PM
    • 3 Beds
    • 2 Baths
    • 1,688 Sq Ft

    13 Grant Ave, Toms River, NJ 08753

    Located in the highly desirable Village section of Toms River, this spacious home offers an unbeatable location just minutes from the Garden State Parkway, Ocean County Mall, Ocean County College, Community Medical Center, schools, houses of worship, restaurants, and parks. Best of all, it's only about a 15-minute drive to the beautiful Jersey Shore beaches and the famous Seaside Heights

    Michael Harbord 1st Class Real Estate Agency

    13 Grant Ave, Toms River, NJ 08753
  • /35

    $849,999

    $30K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,440 Sq Ft

    212 Cypress Dr, Bayville, NJ 08721

    This structurally sound custom home sits on a 18' deep water lagoon located in the Glen Cove section & was built by the owner with love and grit and offers a sturdy roof, strong framing and a solid foundation built on reinforced pilings over and above with what was required. Sprinkler System & heat in the garage. Weil McClain Heating System w/ maintenance plan through NJR, home has been extra

    Kim Koehl Cammarota Real Estate

    212 Cypress Dr, Bayville, NJ 08721
  • /31

    $599,000

    • 4 Beds
    • 2 Baths
    • 1,668 Sq Ft

    17 Ridgewood Dr, Toms River, NJ 08755

    Welcome home to this beautifully maintained 4-bedroom, 2-bath split-level offering the perfect blend of comfort and updates! Enjoy a bright and functional layout featuring a spacious dining room with sliding doors leading to a backyard deck, ideal for entertaining. Recent improvements include updated bathrooms and a new pool liner, providing peace of mind for years to come. The full basement

    Joshua Spiegel Imperial Real Estate Agency

    17 Ridgewood Dr, Toms River, NJ 08755
  • /3

    $224,900

    $25K PRICE DROP
    • Land
    • 6,098 Sq Ft
    • $1,606,429 per Acre

    0 Lawshe Dr, Pine Beach, NJ 08741

    Great location! Two blocks to the beach and river. Water sports and fun in the sun. Private beach around the corner. Buyer must obtain a variance to build. House plans available. Variance required. Similar sized lots in neighborhood. Make your dreams come true.

    Cynthia Leonard RE/MAX at Barnegat Bay - Toms River

    0 Lawshe Dr, Pine Beach, NJ 08741
  • /71

    $834,000

    $16K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 1,891 Sq Ft

    1838 Skiff Ct, Toms River, NJ 08753

    Welcome to 1838 Skiff court! Beautiful WATERFRONT home located in the desirable Snug Harbor section! This charming 3 bedroom, 1.5 bathroom home offers the perfect opportunity for a vacation getaway, second home, or year-round living at the Jersey Shore. Situated on a quiet cul-de-sac with 65 feet of bulkhead, this property is just 4 quick lagoons to the open bay, making it a boater's

    Summit Tognetti RE/MAX Revolution

    1838 Skiff Ct, Toms River, NJ 08753
  • /35

    $475,000

    • 3 Beds
    • 1 Bath
    • 1,166 Sq Ft

    835 Vaughn Ave, Toms River, NJ 08753

    Welcome to this beautifully updated 3-bedroom, 1-bath ranch with a full basement! This home offers the perfect blend of modern upgrades and everyday comfort. Move-in ready from top to bottom, this home features a brand-new kitchen with stylish finishes, new flooring throughout, a newer furnace, and numerous exterior improvements including new siding, gutters, and soffits, providing both curb

    Kyle Marcell RE/MAX Revolution

    835 Vaughn Ave, Toms River, NJ 08753
  • /14

    $324,000

    $26K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 1,124 Sq Ft

    503 Jamaica Blvd, Toms River, NJ 08757

    Move right into this newly renovated home. Features include: New kitchen, all Stainless Steel appliances, Granite countertops and tile backsplash. Newly redone flooring throughout. Remodeled bathrooms with new vanity, mirror, lighting, toilet, tile flooring, and tile tub surround. Good-sized closets with 2-panel doors. Whole house has been freshly painted in tasteful neutral colors.

    Kenneth Flannery EXP Realty, LLC

    503 Jamaica Blvd, Toms River, NJ 08757
  • /34

    $699,000

    • 4 Beds
    • 2.5 Baths
    • 2,350 Sq Ft

    741 Beach Ave, Beachwood, NJ 08722

    Gorgeous colonial in the heart of Beachwood! Built in 2018, this beautiful home offers four spacious bedrooms, three bathrooms, hardwood floors, and an inviting open-concept layout. The modern kitchen features white shaker cabinets, granite countertops, and plenty of space for everyday living and entertaining.Upstairs, you'll find a beautiful primary ensuite with a large walk-in closet, along

    Joseph Gerber Coldwell Banker Realty

    741 Beach Ave, Beachwood, NJ 08722
  • /23

    $370,000

    $15K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,620 Sq Ft

    204 Pulaski Blvd, Toms River, NJ 08757

    Welcome to this sought - after extended Castle Harbor model in Holiday City South. The home offers over 1600 sq.ft. of living space and the property has a private backyard. This ranch style home features 2 beds and 2 baths, an enclosed front porch, dining room, living room, and a great room highlighted with a cozy fireplace, perfect for relaxing or entertaining. The primary suite offers a private

    James Johnson Weichert Realtors-Sea Girt

    204 Pulaski Blvd, Toms River, NJ 08757
  • /32

    $362,500

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

    20 Thronbury Ct, Toms River, NJ 08757

    Ranch Style Bal Harbor Model located in sought-after Holiday Heights, situated on a quiet cul-de-sac! As you step in, welcomed by the bright living and dining area overlooks the private backyard from the large windows. The large kitchen features white cabinetry, a Corian countertop, a pantry closet and an eat-in kitchen area; offering an open floor plan into the family room. The family room leads

    Stefania Fernandes ERA Central Realty Group

    20 Thronbury Ct, Toms River, NJ 08757
  • /29

    $379,900

    • 2 Beds
    • 2 Baths

    26 Northumberland Dr, Toms River, NJ 08757

    Downsizing to perfection! This stunning, beautifully renovated ranch in Silver Ridge Park West with a comfortable and inviting floor plan features 2 spacious bedrooms/2 full baths. Lrg. Living & Dining Rms! Updated kitchen w stainless appliances, spacious island w/quartz countertops to cook & entertain! Both baths are updated. Easy care hardwood & vinyl flooring throughout main areas. ~Newer

    Marilyn Mecchia Crossroads Realty, Inc.

    26 Northumberland Dr, Toms River, NJ 08757
  • /23

    $445,000

    • 3 Beds
    • 1 Bath

    1066 Overlook Dr, Toms River, NJ 08753

    Charming, completely remodeled 3-bedroom, 1-bath home w/ modern finishes throughout! Enjoy relaxing on the inviting front porch or entertaining in the beautifully updated interior featuring wood floors throughout. The gourmet chef's kitchen boasts a center island with cooktop & hood, granite countertops, stainless steel appliances, abundant cabinetry, pantry, coffee station, double sink & a

    Kathy Gurzakovic Keller Williams Realty Ocean Living

    1066 Overlook Dr, Toms River, NJ 08753
  • /58

    $939,995

    • 5 Beds
    • 3 Baths
    • 3,644 Sq Ft

    910 Somerset Dr, Toms River, NJ 08753

    Vacation at Home Every Day – Spectacular 5-Bedroom Resort-Style Retreat Just 8 Miles from the Beach!Welcome to this truly one-of-a-kind stone-front home in the heart of Toms River, where space, comfort, and lifestyle come together in perfect harmony. Offering 3,644 square feet of beautifully designed living space, this exceptional residence features 5 bedrooms, 3 full baths, and a 2-car

    Sharon Sawka REMAX Welcome Home

    910 Somerset Dr, Toms River, NJ 08753
  • /40

    $450,000

    $65K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,635 Sq Ft

    131 Veeder Ln, Bayville, NJ 08721

    Welcome to Your New Home in Bayville, NJ!! Experience the charm and convenience of this beautiful home located in one of New Jersey'smost desirable towns: Bayville. Nestled against private woods, natural wetlands, and a scenic stream, this property offers a tranquil setting ideal for outdoorenthusiasts and nature lovers alike. Outdoor Living and Recreation - As the owner of this

    Robert Allison RealtyMark Select

    131 Veeder Ln, Bayville, NJ 08721
  • /62

    $599,888

    • 4 Beds
    • 2 Baths
    • 1,808 Sq Ft

    173 Stowe St, Toms River, NJ 08753

    Lovely home nestled in the highly-sought after Georgetown neighborhood! Main level features open living/dining room, updated kitchen with slider going out to a deck, full bath, and 3 bedrooms. Lower level features a cozy family room with fireplace, 1 bedroom, full bath, flex room, and 1 car garage. Large fully fenced in yard with in-ground pool provides a canvas to create your personal outdoor

    Julie Choy RE/MAX Revolution

    173 Stowe St, Toms River, NJ 08753
  • /43

    $335,000

    • 2 Beds
    • 1 Bath
    • 1,124 Sq Ft

    17 Margarita St, Toms River, NJ 08757

    Welcome to this beautifully refreshed home in Holiday City Berkeley! This 2-bedroom, 1-bathroom gem offers 1,124 sq. ft. of comfortable living with many recent updates including a new roof and freshly painted interior/exterior.Enjoy a brand-new kitchen with stainless steel appliances, a new bathroom, and a sunroom perfect for relaxing. The home features central air, hot water baseboard heat,

    Joseph Viscuso Crossroads Realty, Inc.

    17 Margarita St, Toms River, NJ 08757
  • /15

    $299,000

    • 2 Beds
    • 2 Baths
    • 1,232 Sq Ft

    21 Guadalajara Dr, Toms River, NJ 08757

    Available is this Lakeview in Holiday City South with 2 bedrooms, 2 bathrooms and three season room. Easy access to Davenport and Mule Road, shopping and services. Bring your imagination and renovation ideas, this home is ready!

    Christopher McDowell Keller Williams Shore Properties

    21 Guadalajara Dr, Toms River, NJ 08757
  • /4

    $329,900

    • Land
    • 0 Sq Ft

    113 Sunset Dr N, Berkeley Township, NJ 08751

    Don't miss this rare opportunity to own your own piece of paradise on Pelican Island, one of the Jersey Shore's best-kept secrets. Perfectly positioned for coastal living, this location offers the ideal blend of relaxation and convenience. Just minutes from Seaside Heights, you'll enjoy easy access to the beach, iconic boardwalk attractions, dining, and nightlife. Outdoor enthusiasts will love

    Michelle Rizzo RE/MAX Welcome Home

    113 Sunset Dr N, Berkeley Township, NJ 08751
  • /10

    $599,999

    • 3 Beds
    • 2.5 Baths
    • 2,050 Sq Ft

    20 Skimmer Ln Unit 55, Bayville, NJ 08721

    Rare waterfront end-unit townhouse in The Landings at Berkeley Shores, offering one of the most desirable locations in the community and the largest floor plan available. Situated on a picturesque lagoon with a private 24-foot boat dock, this home is a boater's dream with easy access to the bay. The interior features a granite kitchen, hardwood flooring throughout the main level, and wall-to-wall

    Angelica Areus Keller Williams Realty Ocean Living

    20 Skimmer Ln Unit 55, Bayville, NJ 08721
  • /4

    $329,900

    • Land
    • 0 Sq Ft

    115 Sunset Dr N, Berkeley Township, NJ 08751

    Don't miss this rare opportunity to own your own piece of paradise on Pelican Island, one of the Jersey Shore's best-kept secrets. Perfectly positioned for coastal living, this location offers the ideal blend of relaxation and convenience. Just minutes from Seaside Heights, you'll enjoy easy access to the beach, iconic boardwalk attractions, dining, and nightlife. Outdoor enthusiasts will love

    Michelle Rizzo RE/MAX Welcome Home

    115 Sunset Dr N, Berkeley Township, NJ 08751
  • /71

    $2,200,000

    New Construction $300K PRICE DROP
    • 4 Beds
    • 3.5 Baths
    • 2,849 Sq Ft

    247 Pine Dr, Berkeley Township, NJ 08721

    Welcome to 247 Pine Drive. This classic Bayman’s style home blends elevated craftsmanship with refined modern elegance and was masterfully constructed by Custhome. The residence is situated on an 80’ deep by 100’ feet wide lagoon front lot and offers easy access to Barnegat Bay. Sitting atop pile supported grade beam, the home features premium exterior finishes to include Hardie shingle and plank

    Daniel Magee Long & Foster Real Estate, Inc.

    247 Pine Dr, Berkeley Township, NJ 08721
  • /32

    $549,000

    • 4 Beds
    • 2 Baths
    • 1,700 Sq Ft

    16 Larboard St, Beachwood, NJ 08722

    Welcome to a masterpiece of design and functionality! Step through the front door into a seamless open floor plan, where the front sitting room welcomes you with views of the Toms River! This space flows effortlessly into a chef's kitchen featuring stunning quartz countertops, a peninsula breakfast bar directly adjacent to the range and hood, custom two-tone cabinetry (natural wood lowers, white

    Matthew Syme Crossroads Realty, Inc.

    16 Larboard St, Beachwood, NJ 08722
  • /18

    $350,000

    • 2 Beds
    • 2.5 Baths

    105 Sandpiper Ln, Bayville, NJ 08721

    Welcome to this 2-bedroom, 2.5-bathroom townhouse. This cozy home offers a perfect blend of comfort and convenience, featuring a spacious open-concept living and dining area. The kitchen is thoughtfully designed with ample cabinetry. Upstairs, you'll find two bedrooms, The primary suite includes a large closet and en-suite bath. A convenient half bath on the main level adds to the home's

    Natalia Roth Roth Group Real Estate

    105 Sandpiper Ln, Bayville, NJ 08721
  • /8

    $280,000

    $19K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 988 Sq Ft

    413 Main St, Bayville, NJ 08721

    Rehab Loan Eligible property alert! Unlock the potential of this 2-bedroom, 1-bathroom home situated on a generous 100 x 125 lot in the highly sought-after Holly Park section of Bayville. Whether you are an investor looking for your next project or a visionary looking to build a custom new construction home, this property offers a rare canvas in a prime location. The expansive .28-acre yard

    Zoraida (Sarina) Duvall Keller Williams Realty Ocean Living

    413 Main St, Bayville, NJ 08721
  • /8

    $229,000

    $20K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 971 Sq Ft

    19 Sherwood Ct, Toms River, NJ 08757

    Welcome to 19 Sherwood Court in the sought after 55+ community of Silver Ridge Park East. This charming Sussex Model offers 2 bedrooms, 1 bath, hardwood floors, electric heat, and a wall air conditioning unit in the dining area. Situated on a quiet, tree lined loop, the home presents a wonderful opportunity to add your personal touches and create the perfect space to fit your lifestyle.Enjoy

    John Salemi Coldwell Banker Flanagan Realty

    19 Sherwood Ct, Toms River, NJ 08757
  • /120

    $1,899,000

    $100K PRICE DROP
    • 5 Beds
    • 3.5 Baths

    159 Harbor Inn Rd, Bayville, NJ 08721

    This is one of those homes that truly doesn't come around often.Custom built and lovingly maintained by its original owner, this 5-bedroom, 3.5-bath waterfront home was designed with both quality and everyday living in mind. From the moment you walk in, you feel the difference--every room is oversized, the ceilings are high, and the craftsmanship is something you just don't see anymore.Set on one

    Alyssa Giglio Keller Williams Preferred Properties,Bayville

    159 Harbor Inn Rd, Bayville, NJ 08721
  • /32

    $745,000

    New Construction
    • 4 Beds
    • 2.5 Baths
    • 2,758 Sq Ft

    605 Bay Blvd, Bayville, NJ 08721

    A new construction home at the Jersey Shore! Located in a picturesque waterfront area of Bayville, this 2,758 sq. ft. home features an open-concept layout with spacious rooms throughout. Quartz Countertops, Large Kitchen with Beautiful cabinets. The Home includes ample storage and a versatile workout room/office situated off the LARGE primary bedroom, which also boasts an exceptionally large

    Rosa Mazzei RE/MAX at Barnegat Bay

    605 Bay Blvd, Bayville, NJ 08721
  • /53

    $458,000

    • 3 Beds
    • 3.5 Baths

    326 Scarlet Ct Unit 3206, Toms River, NJ 08753

    Freshly painted and filled with natural light, this spacious three level home offers flexible living with three full baths. Enter into the first floor great room with a den, office or possible fourth bedroom, full bath and sink hookup for a future kitchenette or wet bar. The main level offers an open floor plan with a living room, gas fireplace, dining area and bright kitchen with abundant

    Susan Lucas-Sterling RE/MAX at Barnegat Bay

    326 Scarlet Ct Unit 3206, Toms River, NJ 08753
  • /56

    $639,900

    • 2 Beds
    • 2 Baths
    • 1,961 Sq Ft

    49 Arborridge Dr, Forked River, NJ 08731

    Active Adult living at it's finest. Welcome to this meticulously maintained home in the sought after Seabreeze Community at Lacey. This ranch style home offers a private serene setting of front waterviews, nice landscaping and a private back with a large paver patio that backs up to the woods for the ultimate privacy. Step inside to a large open floor plan that offers hardwood floors throughout,

    Joanne Rozell Better Homes and Gardens Real Estate Murphy & Co

    49 Arborridge Dr, Forked River, NJ 08731
  • /19

    $320,000

    $20K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 985 Sq Ft

    43 Carlisle Rd, Toms River, NJ 08757

    43 Carlisle Rd is a beautifully updated, low-maintenance Sussex model ranch in Silver Ridge Park West. Perfect for easy living, this home received major 2023 upgrades, including a brand-new roof and solar panels for maximum energy efficiency. Step inside to a renovated eat-in kitchen complete with sleek granite countertops and stainless steel appliances. The modern bathroom features a stylish,

    Barbara Fisher Coldwell Banker Riviera Realty

    43 Carlisle Rd, Toms River, NJ 08757
  • /55

    $399,900

    $25K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,232 Sq Ft

    38 Woodstock Dr, Toms River, NJ 08757

    Welcome to another signature Kitchen Jimmy renovation, where years of expertise, distinctive design style, and unmatched attention to detail come together to create a true home run. Located in the highly sought-after Holiday City Heights section, this beautifully reimagined 2-bedroom, 2-bathroom home is packed with standout features throughout. From the stunning designer kitchen complete with a

    Kimberly Bell RE/MAX Revolution

    38 Woodstock Dr, Toms River, NJ 08757
  • /35

    $539,900

    $19K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,700 Sq Ft

    1221 Bewick St, Toms River, NJ 08753

    Nestled on a quiet dead-end street in sought-after Toms River, this spacious bi-level home offers the perfect blend of comfort, flexibility, and outdoor enjoyment. Designed with extended or multi-generational living in mind, the versatile in-law floor plan provides multiple living options to fit today's lifestyle needs. Step inside to find stylish laminate flooring, recessed lighting, and warm

    Diane Thurber-Wamsley Concord Realty Group

    1221 Bewick St, Toms River, NJ 08753
  • /57

    $599,000

    $64K PRICE DROP
    • 3 Beds
    • 3 Baths

    119 Maple St, Toms River, NJ 08753

    Price Improvement! Charming Cape Cod style home featuring 3 bedrooms and 3 full baths in the desirable Cranmoor neighborhood. Offering strong bones, generous living space, and a full partially finished basement. Some highlights include a gas fireplace in the sun soaked living room, multi-zone heating, air conditioning, cozy family room and a well designed kitchen with center island. Step outside

    Mary Bianchi Realty One Group Emerge

    119 Maple St, Toms River, NJ 08753

Showing Results 81 - 120, Page 3 of 13

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