391

Homes for Sale near Willard Elementary School

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  • /36

    $1,345,000

    $30K PRICE DROP
    • 3 Beds
    • 4 Baths

    32 Melody Ln, Upper Saddle River, NJ 07458

    Welcome to the Grove at USR. Experience luxury living in this beautifully maintained End-Unit townhouse offering the perfect blend of style, comfort and convenience. Featuring 3 bedrooms, 2 full baths and 2 half baths, this well designed home showcases modern open-concept living with exceptional space for both everyday living and entertaining. The sun-filled main level features hardwood floors

    Rosanne Tomiello KELLER WILLIAMS VILLAGE SQUARE

    32 Melody Ln, Upper Saddle River, NJ 07458
  • /30

    $749,000

    $41K PRICE DROP
    • 3 Beds
    • 2.5 Baths

    2622 Cleveland Ave, Township of Washington, NJ 07676

    Welcome to 2622 Cleveland Ave, a home that exudes charm and sophistication. The kitchen is a chef's dream, boasting an accent backsplash that adds a touch of elegance. The kitchen island provides ample space for meal preparation and casual dining. All stainless steel appliances are included, offering a sleek and modern look. The property also features a storage shed, perfect for all your outdoor

    Mary Toner Opendoor Brokerage LLC

    2622 Cleveland Ave, Township of Washington, NJ 07676
  • /37

    $1,295,000

    • 4 Beds
    • 4 Baths

    318 Beechwood Rd, Ridgewood, NJ 07450

    Stunning center-hall Colonial on a favorite street in the Ridge School area...and boasting beautiful curb appeal! A welcoming entry hall opens to a large Living Room with fireplace on the right and to a formal Dining Room on the left. The updated Kitchen with center island and Corian counters offers convenient cooking space. An adjacent sitting/eating area overlooks the private back yard and

    Mary Onie Holland Tarvin Realtors

    318 Beechwood Rd, Ridgewood, NJ 07450
  • /3

    $899,000

    • Land
    • 0 Sq Ft

    18 Wildwood Rd, Saddle River, NJ 07458

    Vacant 2.15-acre parcel located in a prime Saddle River location. Property offers a unique opportunity to build your custom home with privacy and natural surroundings. Buyer to perform due diligence; surveys and environmental information available. Adjacent properties also for sale

    Tony Nabhan Keller Williams City Views Realty

    18 Wildwood Rd, Saddle River, NJ 07458
  • /27

    $619,000

    • 3 Beds
    • 2.5 Baths

    1 Ashley Ct Unit 701, Hawthorne, NJ 07506

    This highly desirable residence offers ease of spacious, multi-level living with an open and inviting floor plan. Freshly painted and featuring brand-new carpeting throughout, the home has been thoughtfully refreshed and is move-in ready. This turn-key freshly painted unit features new carpeting through out the unit. The main level features a generous primary suite complete with a beautifully

    TARA LANDUSCO Home Sweet Home Real Estate

    1 Ashley Ct Unit 701, Hawthorne, NJ 07506
  • /17

    $849,999

    • 6 Beds
    • 5 Baths

    235 4th Ave Unit 237, Paterson, NJ 07514

    FULLY UPDATED TWO-FAMILY HOME LOCATED IN THE DESIRABLE EASTSIDE SECTION OF PATERSON! EACH UNIT FEATURES 3 SPACIOUS BEDROOMS AND 2 FULL BATHROOMS, OFFERING PLENTY OF LIVING SPACE FOR OWNER-OCCUPANTS OR INVESTORS. PROPERTY INCLUDES A FULL, SPACIOUS BASEMENT WITH GREAT POTENTIAL FOR ADDITIONAL USE OR STORAGE. ENJOY AMPLE PARKING WITH SPACE FOR UP TO 5 CARS, A RARE FIND IN THIS AREA. CONVENIENTLY

    YORDANI NICASIO COLDWELL BANKER SUSANI REALTY

    235 4th Ave Unit 237, Paterson, NJ 07514
  • /43

    $3,500,000

    • 5 Beds
    • 5.5 Baths

    27 Cameron Rd, Saddle River, NJ 07458

    Nestled on two serene acres, this stately Saddle River Colonial blends timeless architecture, gracious interiors, and a resort-style setting. Designed for both effortless entertaining and a quiet retreat alike, the private backyard features a pool, expansive patio, gazebo, sweeping lawns, and a partially covered porch spanning the full rear of the home, all framed by mature landscaping. A

    Christina Gibbons The Agency One Rock-Ridgewood

    27 Cameron Rd, Saddle River, NJ 07458
  • /45

    $1,849,000

    • 4 Beds
    • 3 Baths

    217 Osage Ln, Franklin Lakes, NJ 07417

    Premier location offers unparalleled privacy in Franklin Lakes most desired South Gate Urban Farms. Situated on over an acre of lush green acres in multi-million-dollar neighborhood in cul-de-sac location! Close distance to the town center with shopping, Indian Trail Club, and recreation. This beautifully updated ranch-style home featuring four spacious bedrooms including primary suite open to

    Grazyna Ziarko The Agency One Rock-Franklin Lakes

    217 Osage Ln, Franklin Lakes, NJ 07417
  • /32

    $799,910

    Open Sat 2PM - 4PM
    • 3 Beds
    • 2 Baths

    574 Chestnut St, Township of Washington, NJ 07676

    Welcome home to this perfectly located 3 Bedroom / 2 Bathroom Ranch situated on a gorgeous 100 X 100 lot behind Clark Field in highly sought after Washington Township. Featuring hardwood floors throughout, wood burning fireplace, central AC / forced hot air heat, ample sunlight throughout the day, and one car detached garage, this home is sure to please. Main level features entry foyer, living

    Allen Ten Hoeve KELLER WILLIAMS VALLEY REALTY

    574 Chestnut St, Township of Washington, NJ 07676
  • /2

    $455,000

    • 3 Beds
    • 1.5 Baths

    122 E 22nd St, Paterson, NJ 07514

    Totally renovated in 2019.

    ALVARO GOENAGA PROMISE LAND REALTY

    122 E 22nd St, Paterson, NJ 07514
  • /27

    $899,999

    $100K PRICE DROP
    • 3 Beds
    • 4 Baths

    137 Myrtle Ave, Allendale, NJ 07401

    Completely redesigned 3-bedroom, 1-office, 4-bathroom home with contemporary finishes throughout and a fully finished basement. Located just 4 blocks from NJ Transit with direct access to Penn Station and the Hoboken PATH. The kitchen features custom cabinetry, premium appliances, and countertops that flow seamlessly into the open living and dining areas. The primary suite includes an ensuite

    Mefail Ljumanoski EXP Realty, LLC

    137 Myrtle Ave, Allendale, NJ 07401
  • /21

    $799,000

    • 3 Beds
    • 1.5 Baths

    5 Madison Heights, Wyckoff, NJ 07481

    Welcome to this charming 3-bedroom, 1.5-bath home located in the desirable town of Wyckoff. From the inviting curb appeal and enclosed front porch to the warm hardwood floors and classic trim throughout, this home offers character, comfort, and plenty of functional living space. The first floor features a bright living room with a fireplace, a formal dining area, an eat-in kitchen, a convenient

    Keith Corsi HOWARD HANNA RAND REALTY

    5 Madison Heights, Wyckoff, NJ 07481
  • /20

    $599,999

    • 1 Bed
    • 1 Bath

    416C Bromley Place, Wyckoff, NJ 07481

    Welcome to easy, low-maintenance living in the sought-after Spring Meadows 55+ community in Wyckoff. This beautifully cared-for 1-bedroom, 1-bath residence offers a spacious and functional layout featuring a bright eat- in kitchen, generous cabinet space, and an open living/dining area perfect for everyday comfort. The oversized bedroom includes two large closets, while the full bath and in-unit

    Alexa Coppola Coldwell Banker, Ridgewood

    416C Bromley Place, Wyckoff, NJ 07481
  • /50

    $1,779,000

    • 5 Beds
    • 4.5 Baths

    639 Pawnee Ln, Franklin Lakes, NJ 07417

    EXCEPTIONAL MODERN RETREAT IN FRANKLIN LAKESâ€TM PRESTIGIOUS SOUTH GATE SECTION, SET ON A PRIVATE 1.2-ACRE CUL-DE-SAC LOT. THIS FULLY RENOVATED HOME BLENDS CONTEMPORARY DESIGN WITH LUXURY UPGRADES THROUGHOUT. A RADIANT-HEATED ENTRY FOYER LEADS TO AN OPEN, LIGHT-FILLED INTERIOR FEATURING FORMAL LIVING AND DINING ROOMS, A SLEEK NEW KITCHEN WITH QUARTZ COUNTERTOPS AND TOP-TIER APPLIANCES, AND A

    Iskender Yesilyurt Coldwell Banker, Fort Lee

    639 Pawnee Ln, Franklin Lakes, NJ 07417
  • /40

    $1,375,000

    • 4 Beds
    • 3 Baths

    890 Norgate Dr, Ridgewood, NJ 07450

    Welcome to this beautifully updated 2,783 sq. ft. home in Ridgewoodâ€TMs desirable Salem Ridge neighborhood. Designed for todayâ€TMs lifestyle, the open-concept floor plan blends comfort, style, and functionality. The first floor features a gourmet kitchen with stainless steel appliances, stone countertops, and ample cabinetry that flows seamlessly into the living and dining areas. The sun-filled

    Joan Marie Monton Coldwell Banker, Ridgewood

    890 Norgate Dr, Ridgewood, NJ 07450
  • /9

    $815,900

    • 2 Beds
    • 2.5 Baths

    182 E 25th St, Paterson, NJ 07514

    Discover unparalleled comfort in this 2-bedroom, 2.5-bath home, boasting a 2-car garage, and dual-zone HVAC. Inside, find exquisite 4-inch oak flooring, 9-foot ceilings with crown molding, and gourmet 10x12 kitchen featuring high-end Whirlpool appliances. Enjoy dedicated laundry room, a $1000 fixture credit, and pre-wired living and bedrooms. Retreat to spacious suites with walk-in closets and

    Joanne Appel Berkshire Hathaway Home Services Jordan Baris Realty - Livingston

    182 E 25th St, Paterson, NJ 07514
  • /28

    $650,000

    • 3 Beds
    • 1.5 Baths

    18 Parker Ave, Hawthorne, NJ 07506

    WELCOME TO 18 PARKER AVE IN HAWTHORNE.A WELL MAINTAINED 3 BEDROOM 1.5 BATH RANCH IN THE HEART OF HAWTHORNE. THIS HOME OFFER 3 BEDROOMS, KITCHEN, LR, A SUN ROOM, BEDROOMS ALL UPDATED IN 2025,WITH LAMINATE FLOORING, TILED FULL BATH, NEW 1/2 BATH IN BASEMENT, LIVING ROOM OFFERS HARDWOOD FLOORS, KITCHEN AND SUN ROOM W/LAMINATED FLOORING. A WOOD BURNING FIREPLACE, BASEMENT OFFERS PLENTY OF STORAGE,

    Stefanina Porporino COLDWELL BANKER REALTY

    18 Parker Ave, Hawthorne, NJ 07506
  • /48

    $5,750,000

    • 6 Beds
    • 9 Baths

    48 Pleasant Ave, Upper Saddle River, NJ 07458

    48 Pleasant Avenue, Upper Saddle River, NJ Where Timeless Design Meets Modern InnovationSet on one of Upper Saddle River's most distinguished streets, 48 Pleasant Avenue is a newly constructed estate that blends architectural sophistication with modern functionality. Built on a new foundation and finished with LP wood siding, this 12,900 square feet, 6-bedroom, 6 full en-suite and 3 half-bath

    Joseph Aziz PRESTIGE PROPERTY GROUP MONTCLAIR

    48 Pleasant Ave, Upper Saddle River, NJ 07458
  • /36

    $2,650,000

    • 5 Beds
    • 6 Baths

    4 Garden Ct, Ho Ho Kus, NJ 07423

    Stunning new construction in the heart of Ho-Ho-Kus offering over 4,600 sq ft of thoughtfully designed living space with 5 bedrooms and 6 full baths across three finished levels. A dramatic 23-foot coffered foyer welcomes you into elegant interiors featuring 10-foot ceilings, custom millwork, and wide-plank white oak floors. The designer kitchen is appointed with custom cabinetry, Taj Mahal

    Megan Fox Compass New Jersey, LLC-Ridgewood

    4 Garden Ct, Ho Ho Kus, NJ 07423
  • /20

    $1,125,000

    $35K PRICE DROP
    • 3 Beds
    • 3.5 Baths

    27 Winfield Dr, Woodcliff Lake, NJ 07677

    WELCOME TO THE DESIRABLE GABLES OF WOODCLIFF LAKE! LUXURY TOWNHOUSE LIVING AT ITS BEST! THIS TOWNHOME WAS BUILT IN 2019. EAT-IN KITCHEN WITH GRANITE COUNTERS, STAINLESS STEEL APPLIANCES, CENTER ISLAND & PANTRY. FORMAL DINING ROOM & LIVING ROOM ALL IN AN OPEN CONCEPT. BALCONY OVERLOOKING PRIVATE TREE LINED AREA WITH GRASS. POWDER ROOM & GLEAMING HARDWOOD FLOORS THROUGHOUT FIRST FLOOR. SECOND FLOOR

    Arlene Sabo COLDWELL BANKER REALTY

    27 Winfield Dr, Woodcliff Lake, NJ 07677
  • /15

    $99,900

    $29K PRICE DROP
    • 1 Bed
    • 1 Bath

    600 Pulis Ave, Mahwah, NJ 07430

    This recently updated unit offers larger-than-average rooms on a spacious lot, featuring a living room bump-out with coffered ceiling and great natural light. The sun-drenched kitchen includes washer/dryer hookups, and the updated full bath complements the large bedroom with built-ins and ample closet/storage space throughout. Enjoy multiple outdoor spaces including, car parking a roof-covered

    Sharif Elatab Coldwell Banker, Ridgewood

    600 Pulis Ave, Mahwah, NJ 07430
  • /16

    $235,000

    • 1 Bed
    • 1 Bath

    9-11 Madison Ave Unit 18, Paterson, NJ 07524

    Discover Style, Convenience & Affordability in this Modern Flair 1 Bedroom 1 Bath Condo with low monthlies+1 Deeded Parking at the Madison Riverview Boutique condo building. Contact/text Angela Cuciniello direct for more details 201.657-6084. Surrounded by urban convenience located at the crossroads of Fairlawn & Hawthorne. Step inside the recently renovated, spacious, Open Concept floor-plan

    Angela Cuciniello Coldwell Banker, Hoboken

    9-11 Madison Ave Unit 18, Paterson, NJ 07524
  • /39

    $2,590,000

    $400K PRICE DROP
    • 4 Beds
    • 5.5 Baths

    604 Grandview Terrace, Franklin Lakes, NJ 07417

    Elegant custom estate nestled on approximately 0.92 acre in prestigious Franklin Lakes. This beautifully maintained center hall colonial offers approximately 4,800+ SF of luxurious living space featuring 4 bedrooms, 5.5 baths, spacious guest accommodations, and a fully finished basement. Grand living areas, timeless architectural details, and abundant natural light create an exceptional

    JONG YUN

    604 Grandview Terrace, Franklin Lakes, NJ 07417
  • /22

    $760,000

    $65K PRICE DROP
    • 3 Beds
    • 2.5 Baths

    5-22 Dorothy St Unit 1X, Fair Lawn, NJ 07410

    Located in highly sought-after Milnes area, this spacious 3 Bedroom 2 and 1/2 Bath Split Level is ready for a new chapter and so close to schools, NY Trans, Houses of Worship, Bike Path and shopping. 1st Floor offers Entrance Foyer with guest closet, Living Rm w/ vaulted Ceiling and Bay Window, Formal Dining Rm with Sliding Glass Door to Deck, and large Eat-in-Kitchen. Upstairs you will find 3

    JANE FERLANTI COLDWELL BANKER REALTY

    5-22 Dorothy St Unit 1X, Fair Lawn, NJ 07410
  • /37

    $849,999

    • 2 Beds
    • 2 Baths

    86 Willowbrook Ct, Paramus, NJ 07652

    Situated in one of Paramusâ€TM most sought-after locations, this well-maintained 2-3 Bedroom, 2 Bath home with oversized 1 car garage offers the perfect blend of comfort, convenience, and opportunity. Set on a beautiful 75 x 125 piece of property, this home boasts inviting living spaces, a functional floor plan, and endless potential to customize and make it your own. Special features include an

    Eileen Tummino Weichert Realtors, Ridgewood

    86 Willowbrook Ct, Paramus, NJ 07652
  • /11

    $829,000

    • 3 Beds
    • 1.5 Baths

    216 Ross Place, Ho Ho Kus, NJ 07423

    Delayed listing available to see on 7/14/26. See this beautiful tranquil home in the quaint town of Hohokus! Set on a mature landscaped lot, designed by Landscape Architect Mike Barone, privacy abounds, yet not far from town. Three bds, 1.5 bths- kitchen boasts stainless appliances, granite counters & a Wolf stove. Convenient 1st floor bedroom, that is currently being used as a den, sunroom &

    Beverly Knapp United Real Estate

    216 Ross Place, Ho Ho Kus, NJ 07423
  • /50

    $989,000

    • 3 Beds
    • 2.5 Baths

    33 Maria Dr, Hillsdale, NJ 07642

    Welcome to this beautifully maintained 3-bedroom, 2.5-bath split-level home, perfectly situated on a desirable cul-de-sac street. Designed for comfortable everyday living and effortless entertaining, this home offers a warm and inviting layout with spacious living areas throughout. The main level features an updated eat-in kitchen with a large two-tier center island, providing ample space for

    Vyacheslav Zborovsky The Agency One Rock-HoHoKus-Ridgewood East

    33 Maria Dr, Hillsdale, NJ 07642
  • /3

    $899,000

    • Land
    • 0 Sq Ft

    19 Wildwood Rd, Saddle River, NJ 07458

    Vacant 2.5-acre parcel located in a prime Saddle River location. Property offers a unique opportunity to build your custom home with privacy and natural surroundings. Buyer to perform due diligence; surveys and environmental information available. Adjacent properties also for sale

    Tony Nabhan Keller Williams City Views Realty

    19 Wildwood Rd, Saddle River, NJ 07458
  • /2

    $550,000

    • 4 Beds
    • 2.5 Baths

    74 E 13th St, Paterson, NJ 07524

    Rakim Hill REALTY EMPIRE, LLC

    74 E 13th St, Paterson, NJ 07524
  • /36

    $489,000

    • 2 Beds
    • 2.5 Baths

    66 7th Ave, Hawthorne, NJ 07506

    Welcome to this beautifully updated home in the heart of Hawthorne, offering a blend of character, functionality, and modern improvements. Thoughtfully maintained and enhanced throughout, this property features numerous upgrades, including updated HVAC and electrical systems, providing added comfort and peace of mind. The main living areas offer an inviting layout with abundant natural light,

    Christopher Tarta EXP Realty, LLC

    66 7th Ave, Hawthorne, NJ 07506
  • /15

    $399,900

    $25K PRICE DROP
    • 2 Beds
    • 1 Bath

    84 N 12th St, Hawthorne, NJ 07506

    Calling all builders, do it yourselves, and investors - This home sits on a generous 50x100 lot and offers great potential for the right buyer - covered carport for 2 cars in front of home - the home requires some work and updating, making it an excellent opportunity to invest inimprovements - Home offers newer gas furnace approximately 2 years old - spacious front yard

    JANE FERLANTI COLDWELL BANKER REALTY

    84 N 12th St, Hawthorne, NJ 07506
  • /32

    $1,290,000

    $1M PRICE INCREASE
    • 4 Beds
    • 3.5 Baths

    140 Boulevard, Glen Rock, NJ 07452

    Welcome to 140 Boulevard, a stunning home with exquisite curb appeal! In the heart of Glen Rock, this beautifully designed 4-bedroom, 3.5 bath home offers the perfect balance of style, comfort, and functionality. Thoughtfully crafted and updated for modern living, the home features spacious sun-filled interiors, ideal for both everyday living and entertaining. What a pleasure to step through the

    PATTI LAKIN PROMINENT PROPERTIES SIR

    140 Boulevard, Glen Rock, NJ 07452
  • /26

    $2,200,000

    Open Sat 1PM - 4PM
    • 4 Beds
    • 4 Baths

    420 Eastgate Rd, Ridgewood, NJ 07450

    Nestled on 1.2 Acres of Private Park-Like Property, this 2019 New Construction Residence w Hardie Plank & Stacked Stone Facade blends Impressive Architectural Details, Superior Craftsmanship & Desirable Lifestyle Features. Striking 2-Story Entrance Foyer w Mahogany Door & Sweeping Staircase sets the tone for Elegant Simplicity throughout. Banquet Dining w Squared Bay & Butler Station transitions

    Christine Gubb Keller Williams Village Square Realty

    420 Eastgate Rd, Ridgewood, NJ 07450
  • /50

    $1,648,000

    • 5 Beds
    • 3.5 Baths

    22 Iron Latch W, Upper Saddle River, NJ 07458

    Beautifully updated 5 BR, 3.5 bath Colonial set at the end of a quiet cul-de-sac with serene views of protected woodlands. Move-in ready and filled with custom upgrades, this exceptional home features a dramatic great room with cathedral ceiling, skylights, wood-burning fireplace, wine bar, and sliders to an expansive deck. Just off the formal dining room and living room with built-ins is the

    Kristin Graves RE/MAX Properties-Saddle River

    22 Iron Latch W, Upper Saddle River, NJ 07458
  • /29

    $795,900

    • 2 Beds
    • 2.5 Baths

    182 E 25th St, Paterson, NJ 07514

    Welcome to The Estates at 5th Avenue, where modern luxury meets smart affordability in this brand new 2025 construction designed for comfort,efficiency, and elevated living. Step inside to discover 9-foot ceilings with elegant crown molding, rich hardwood flooring throughout, and recessed lightingthat creates a warm, upscale atmosphere on every level. The thoughtfully designed layout offers 2

    Amir Zakikhani REALTY ONE GROUP PARAMOUNT

    182 E 25th St, Paterson, NJ 07514
  • /50

    $2,299,000

    $200K PRICE DROP
    • 6 Beds
    • 5.5 Baths

    290 Dunkerhook Rd, Paramus, NJ 07652

    Tucked away on a private lot in one of Paramusâ€TMs most sought-after neighborhoods, this beautifully renovated contemporary offers approximately 6,731 square feet of exceptional living space with 6 bedrooms and 5½ bathrooms. A striking brick and stone facade, long private driveway, and attached 2-car garage create an impressive arrival. Designed for both grand entertaining and comfortable

    Jason Pierce Prominent Properties Sotheby's International Realty-Tenafly

    290 Dunkerhook Rd, Paramus, NJ 07652
  • /37

    $1,275,000

    • 6 Beds
    • 6 Baths

    39 1 & 2 Smith, Waldwick, NJ 07463

    John Mazza John A. Mazza

    39 1 & 2 Smith, Waldwick, NJ 07463
  • /46

    $975,000

    • 5 Beds
    • 3.5 Baths

    126 Parker Ave, Hawthorne, NJ 07506

    Rare opportunity in Hawthorne! This unique property offers far more than a traditional 2 family home, situated on an expansive level 125' x 177' lot with exceptional flexibility and future potential.The property benefits from an adjacent paper street along the right side of the lot that was proposed but never developed, providing convenient access to a substantial detached garage/workshop and

    Gregg Van Orden Van Orden Realty

    126 Parker Ave, Hawthorne, NJ 07506
  • /46

    $1,749,995

    $49K PRICE DROP
    • 4 Beds
    • 4.5 Baths

    683 Victoria Ave, Paramus, NJ 07652

    Stunning & grand center hall colonial with 4 bedrooms & 4.5 bathrooms. It features a 3 car garage and offers an extremely spacious and functional floor plan. The fully finished, amenity-packed basement was finished only 8 years ago and features two bonus rooms with closets(One is currently used as a gym). The main level welcomes you with a dramatic two-story entry foyer, flanked by formal living

    Taylor Lucyk The Agency One Rock-Paramus

    683 Victoria Ave, Paramus, NJ 07652
  • /49

    $2,350,000

    • 6 Beds
    • 7.5 Baths
    • 9,527 Sq Ft

    12 E Saddle River Rd, Saddle River, NJ 07458

    A Grand Estate Offering Scale, Privacy, and Timeless DesignSet on a prestigious stretch of Saddle River Road, 12 E Saddle River Road presents a remarkable opportunity to own a residence defined by scale, craftsmanship, and thoughtful design. This expansive home features 6 bedrooms, 7 full bathrooms, and 1 half bath, offering generous space and flexibility across every level.A welcoming entry

    Joseph Aziz PRESTIGE PROPERTY GROUP MONTCLAIR

    12 E Saddle River Rd, Saddle River, NJ 07458

Showing Results 161 - 200, Page 5 of 10

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