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Singer Island, FL Homes for Sale with AC

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  • /43

    $650,000

    • 2 Beds
    • 2 Baths
    • 1,219 Sq Ft

    2800 N Ocean Dr Unit A22A, Riviera Beach, FL 33404

    Southeast exposure with stunning ocean to intracoastal views, wide sandy beach. Furnished 2/2 split floor plan unit. Updated open kitchen, stainless steel appliances. Tile flooring in living and dining room with carpet in both bedrooms. Walk in closets.2 zone AC units. Window treatments plantation shutters in bedrooms. Impact doors and windows, Gated community, cover parking, pool, gas

    Kathy Lewellen Illustrated Properties LLC (Singer Island)

    2800 N Ocean Dr Unit A22A, Riviera Beach, FL 33404
  • /9

    $375,000

    • 2 Beds
    • 1 Bath
    • 719 Sq Ft

    1172 Surf Rd Unit A3, Riviera Beach, FL 33404

    2 bedroom 1 bath. No age restrictions. 0.25 miles to the beach. Remodeling in progress. New impact windows, new kitchen and new bathroom. Come early and choose finishes prior to completion. 2nd floor unit in a 4-unit building. Roof recently replaced.

    Steven Koleno Beycome of Florida LLC

    1172 Surf Rd Unit A3, Riviera Beach, FL 33404
  • /69

    $2,749,000

    • 3 Beds
    • 3.5 Baths
    • 3,125 Sq Ft

    4600 N Ocean Dr Unit 701, Riviera Beach, FL 33404

    FULLY FURNISHED ( EXCLUDING ARTWORK) BEACHFRONT RESIDENCE OFFERING TRULY DIRECT UNOBSTRUCTED VIEWS OF SINGER ISLAND'S ATLANTIC OCEAN.....PORCELAIN TILE ALLOVER, SPACIOUS CUSTOM CLOSETS, IMPACT WINDOWS AND DOORS...A MUST SEE!BEACHFRONT OFFERS 51 PRIVATE RESIDENCES ( 3 PER FLOOR) EACH WITH PRIVATE ELEVATOR TO YOUR FOYER, MANNED GATE, CONCIERGE, PRIVATE BEACH ACCESS, POOLS, STATE OF THE ART GYM,

    Michelle Coppola RE/MAX Ocean Properties

    4600 N Ocean Dr Unit 701, Riviera Beach, FL 33404
  • /29

    $189,000

    • 3 Beds
    • 2 Baths
    • 1,447 Sq Ft

    6817 41st Ave N, West Palm Beach, FL 33404

    Welcome to this Resort style 55+ community and stunning, newer home on the lake-truly a rare gem! It's the only one of its kind currently available, offering both modern amenities and serene lakeside living. As you arrive, you'll immediately notice the pride of ownership with a spacious driveway, a convenient covered carport, and a well-maintained outdoor utility/workshop area. The 10'x13'

    Yadira Cox American National Homes LLC

    6817 41st Ave N, West Palm Beach, FL 33404
  • /101

    $1,350,000

    • 3 Beds
    • 3 Baths
    • 2,904 Sq Ft

    5310 N Ocean Dr Unit 601, Riviera Beach, FL 33404

    Recently repainted with a luxurious polished plaster finish in the private foyer, this stunning condo is sure to impress! Experience the exclusivity of just 14 exceptional residences within a gated beachfront enclave on the tranquil end of picturesque Singer Island, where world-class amenities remain both breathtaking and rarely used. Life at One Singer Island is a peaceful retreat, just steps

    Dermot Obrien Sotheby's Intl. Realty, Inc.

    5310 N Ocean Dr Unit 601, Riviera Beach, FL 33404
  • /31

    $99,500

    • 3 Beds
    • 2 Baths
    • 1,450 Sq Ft

    6940 43rd Terrace N Unit 715, Riviera Beach, FL 33404

    55+ community. This is a wonderful home with large living room and fireplace with a beautiful raised hearth and stone front. Primary bedroom has en suite bathroom with large garden tub and separate shower. Split floor plan. Large enclosed patio. Perfect for entertaining including screened jacuzzi area. Kitchen is quite large with a lot of storage area plus pantry and laundry closet, water filter

    Yadira Cox American National Homes LLC

    6940 43rd Terrace N Unit 715, Riviera Beach, FL 33404
  • /56

    $549,000

    • 2 Beds
    • 2 Baths
    • 1,457 Sq Ft

    5420 N Ocean Dr Unit 206, Riviera Beach, FL 33404

    Beautifully updated condo for those of you who may not want to move in right away. The unit is rented until August of 2026, and the rent will be yours until the lease is over and you occupy the unit. Ideal for those who are thinking about buying while the prices are still reasonable and before they rise again. The unit has tile and wood flooring throughout and an opened-up kitchen to the living

    William Globokar Coldwell Banker Realty

    5420 N Ocean Dr Unit 206, Riviera Beach, FL 33404
  • /43

    $1,300,000

    • 2 Beds
    • 2 Baths
    • 1,488 Sq Ft

    3000 N Ocean Dr Unit 20A, Riviera Beach, FL 33404

    Experience luxury living in this beautifully decorated 2-bed, 2-bath turnkey unit at the prestigious Tiara Condominium. With stunning ocean and intracoastal views, this home offers a slice of paradise on one of Florida's most beautiful beaches. The 5-star building features exceptional amenities, including two exclusive restaurants: a 43rd-floor dining venue with breathtaking 360-degree views and

    Andrea Gomez One Sotheby's International Realty

    3000 N Ocean Dr Unit 20A, Riviera Beach, FL 33404
  • /31

    $649,000

    • 1 Bed
    • 1.5 Baths
    • 913 Sq Ft

    3000 N Ocean Dr Unit 10B, Riviera Beach, FL 33404

    Enjoy living in this stunning 1-bedroom, 1.5-bathroom residence at the prestigious Tiara Condominium, a 5-star building renowned for its unparalleled luxury and convenience. It boasts 24-hour security, valet service, tennis courts, a gym, and more. Savor two exceptional dining experiences: a rooftop restaurant on the 43rd floor with breathtaking ocean and intracoastal views, and a poolside café

    Andrea Gomez One Sotheby's International Realty

    3000 N Ocean Dr Unit 10B, Riviera Beach, FL 33404
  • /33

    $1,100,000

    • 2 Beds
    • 2 Baths
    • 1,491 Sq Ft

    3000 N Ocean Dr Unit 24H, Riviera Beach, FL 33404

    Discover unparalleled luxury in this stunning 2-bedroom, 2-bathroom apartment at the prestigious Tiara Condominium, offering breathtaking intracoastal and ocean views. This highly coveted H-unit features a thoughtfully designed split floor plan, sleek ceramic floors, high-impact windows, and an abundance of natural light. Tiara Condominium is a 5-star residence with exceptional amenities,

    Andrea Gomez One Sotheby's International Realty

    3000 N Ocean Dr Unit 24H, Riviera Beach, FL 33404
  • /49

    $234,000

    • 2 Beds
    • 2.5 Baths
    • 1,227 Sq Ft

    1935 Gardenia Ct, Riviera Beach, FL 33404

    Rented until December 31st 2026 at $1,850 per month (read Broker remarks). Very low HOA fee. Very spacious 2 stories townhome, with 2 bedrooms, 2 full bathrooms upstairs and 1/2 bathroom downstairs. Freshly painted and ready to become your home! 2006 construction, great community in a very convenient location. Lots of amenities. Everything in working condition. Send your offer before we rent it!

    Marcelo Dalle Nogare Creative R.E. & Projects, LLC

    1935 Gardenia Ct, Riviera Beach, FL 33404
  • /24

    $1,799,999

    • 3 Beds
    • 3 Baths
    • 2,540 Sq Ft

    5380 N Ocean Dr Unit 10D, Riviera Beach, FL 33404

    Introducing an oceanfront masterpiece! This unit has been exquisitely upgraded, featuring marble floors, custom lighting, and a chef's kitchen with high end appliances. Revel in panoramic ocean views through floor-to-ceiling impact windows and dual large balconies. Enjoy three bedrooms and three bathrooms each with their own ensuites. Unique in its design by not sharing any walls with your

    Greg Forest SERHANT.

    5380 N Ocean Dr Unit 10D, Riviera Beach, FL 33404
  • /23

    $1,799,999

    • 3 Beds
    • 3 Baths
    • 2,540 Sq Ft

    5380 N Ocean Dr Unit 10D, Riviera Beach, FL 33404

    Introducing an oceanfront masterpiece! This unit has been exquisitely upgraded, featuring marble floors, custom lighting, and a chef's kitchen with high end appliances. Revel in panoramic ocean views through floor-to-ceiling impact windows and dual large balconies. Enjoy three bedrooms and three bathrooms each with their own ensuites. Unique in its design by not sharing any walls with your

    Greg Forest Serhant

    5380 N Ocean Dr Unit 10D, Riviera Beach, FL 33404
  • /56

    $251,000

    • 3 Beds
    • 2.5 Baths
    • 1,318 Sq Ft

    3556 Oleander Terrace, Riviera Beach, FL 33404

    Very spacious 2 stories townhome, with 3 bedrooms, 2 full bathrooms upstairs and 1/2 bathroom downstairs. 2006 construction, great community in a very convenient location. Lots of amenities. Everything in working condition. Currently rented at $1,800 a month until 8/31/2026 to long term tenant. Lease has a 60 days cancellation notice if Buyers needs to move in. Conventional, FHA or VA loans

    Marcelo Dalle Nogare Creative R.E. & Projects, LLC

    3556 Oleander Terrace, Riviera Beach, FL 33404
  • /49

    $198,000

    • 3 Beds
    • 2 Baths
    • 1,044 Sq Ft

    1945 Marsh Harbor Dr Unit 302, Riviera Beach, FL 33404

    The unit is vacant and it is currently being painted and getting it ready to move in. Great and spacious 2006 construction 3 bedrooms 2 bathrooms condo with private entry lobby at ground level and living areas in 2nd floor. All appliances and washer and dryer included, even though they don't show in the pictures. Laminate waterproof simil wood vinyl flooring. Great gated complex, security onsite,

    Marcelo Dalle Nogare Creative R.E. & Projects, LLC

    1945 Marsh Harbor Dr Unit 302, Riviera Beach, FL 33404
  • /9

    $1,350,000

    • 2 Beds
    • 3.5 Baths
    • 2,011 Sq Ft

    4100 N Ocean Dr Unit 1704, Riviera Beach, FL 33404

    MORE PHOTOS COMING SOON.MARTINIQUE 2 SOUTHWEST EXPOSURE RESIDENCE OFFERS 2 BEDROOMS, 3 1/2 BATHS WITH STUNNING INTRACOASTAL AND OCEAN VIEWS. MARTINIQUE 2 OFFERS RESORT STYLE LIVING AT TS BEST...PRIVATE ON SITE RESTAURANT, 2 TENNIS COURTS, STATE OF THE ART FITNESS CENTERS, 24 HOUR CONCIERGE AND MANNED GATE.

    Michelle Coppola RE/MAX Ocean Properties

    4100 N Ocean Dr Unit 1704, Riviera Beach, FL 33404
  • /58

    $74,900

    • 3 Beds
    • 2 Baths
    • 1,600 Sq Ft

    4054 68th St N Unit 803, West Palm Beach, FL 33404

    Robin Bundy

    4054 68th St N Unit 803, West Palm Beach, FL 33404
  • /38

    $39,000

    • 2 Beds
    • 2 Baths
    • 1,008 Sq Ft

    4143 74th Place N Unit 442, Riviera Beach, FL 33404

    Robin Bundy

    4143 74th Place N Unit 442, Riviera Beach, FL 33404
  • /41

    $16,000

    • 2 Beds
    • 2 Baths

    7403 40th Trail N Unit 389, Riviera Beach, FL 33404

    Robin Bundy

    7403 40th Trail N Unit 389, Riviera Beach, FL 33404
  • /10

    $590,000 New Construction

    • 3 Beds
    • 3.5 Baths
    • 1,872 Sq Ft

    1101 W 11th St, Riviera Beach, FL 33404

    New construction! Dutch Caribbean architecture with energy efficient appliances, washer and dryer connections, impact-resistant windows and doors. Within steps to Riviera Beach Marina and the intercostal. Minutes away from the airport and Palm Beach. Lenders are available. HOA/COA and Annual Tax TBD.

    Darryl Leonard Palm Beach Pref Properties

    1101 W 11th St, Riviera Beach, FL 33404
  • /3

    $740,000 New Construction

    • 3,050 Sq Ft

    1192 Ac Evans St, Palm Beach Shores, FL 33404

    Brand-new construction duplex in Riviera Beach offering an excellent opportunity for homeowners and investors. The property totals 3,050 square feet of living space, with each unit offering 1,525 square feet, featuring 3 bedrooms and 2.5 bathrooms per unit with a modern, functional layout. Built with durable CBS (Concrete Block Structure) construction, the property provides quality and long-term

    Nathali Delgado Capital Homes Inc

    1192 Ac Evans St, Palm Beach Shores, FL 33404
  • /22

    $467,000 New Construction

    • 5 Beds
    • 2 Baths
    • 1,639 Sq Ft

    141 W 16th St, Riviera Beach, FL 33404

    NEW CONSTRUCTION ALERT--- RARE Non-HOA 5-bedroom 2-bathroom home ideallylocated just a few blocks from the rapidly transforming Marina Village District of Riviera Beach. Built with comfort, space, and contemporary design in mind, this rare large home is perfectly positioned near world-class amenities such as The Port of Palm Beach Cruise Terminals, Award-winningbeaches with pristine

    Wendy Pierre BAWONS Properties, Inc

    141 W 16th St, Riviera Beach, FL 33404
  • /61

    $2,985,000 New Construction

    • 4 Beds
    • 3.5 Baths
    • 3,496 Sq Ft

    309 Cascade Ln, Riviera Beach, FL 33404

    Welcome to 309 Cascade Lane the only brand-new construction home in all of Palm Beach Shores. This stunning Spanish Colonial-style residence is truly one of a kind, offering a luxurious blend of elegance and comfort. Situated on a prime lot, the home features a governor's driveway and a spacious two-car garage with durable epoxy floors—complete with a brand-new 6-seater golf cart to enjoy the

    William Volpe Serhant

    309 Cascade Ln, Riviera Beach, FL 33404
  • /54

    $6,550,000 New Construction

    • 5 Beds
    • 6.5 Baths
    • 4,738 Sq Ft

    1211 Gulfstream Way, Riviera Beach, FL 33404

    Waterfront New Construction! 5BR, one of which could serve as an Office, 6.1 BA, 2CG CBS home built with the finest and most Luxurious finishes (Floor Plans Attached). 90' of water frontage on a deep wide water canal. New 74' dock and 15k lb lift. Ocean access within minutes with no fixed bridges and a short walk to the beach. Abundant living space including great room, family room, formal dining

    John Forgatch Compass Florida LLC

    1211 Gulfstream Way, Riviera Beach, FL 33404
  • /9

    $475,000 New Construction

    • 3 Beds
    • 2.5 Baths
    • 1,441 Sq Ft

    1102 W 11th St, Riviera Beach, FL 33404

    Darryl Leonard Palm Beach Pref Properties

    1102 W 11th St, Riviera Beach, FL 33404
  • /6

    $299,900 Pre-Foreclosure

    • 4 Beds
    • 2 Baths
    • 1,534 Sq Ft

    1585 W 36th St, Riviera Beach, FL 33404

    This is a gem . Wont last long ! 4 th bedroom can be used for additional rental income , separate entrance with patio ! Bring all offers ,Price to sell !

    Trinette Hobbs Trinette Hobbs

    1585 W 36th St, Riviera Beach, FL 33404
  • /59

    $720,000 Pre-Foreclosure

    • 2 Beds
    • 3 Baths
    • 1,852 Sq Ft

    2640 Lake Shore Dr Unit 2008, Riviera Beach, FL 33404

    WELCOME TO COASTAL LIVING! This one-of-kind 20th floor retreat situated directly on the widest part of the pristine blue intracoastal, Atlantic Ocean, Singer Island, boating harbor and nighttime city lights. Unique 2 bd. 3 ba. home plus large den/3rd bedroom has endless upgrades, meticulously designed contemporary white kitchen with newer upgraded appliances: paneled Thermador refrigerator and

    Brenda Jo Griggs United Realty Group Inc

    2640 Lake Shore Dr Unit 2008, Riviera Beach, FL 33404
  • /62

    $400,000 Pre-Foreclosure

    • 3 Beds
    • 2 Baths
    • 1,667 Sq Ft

    1549 W 19th St, Riviera Beach, FL 33404

    Are you searching for a Move-in-Ready home that checks all the boxes? Look no further! This stunning 1,665 sq ft residence is turnkey. *Features:* - Newly remodeled kitchen and bathrooms - Fresh paint throughout - Up to code electrical with updated rocker switches and tamper-resistant outlets - Vinyl tile flooring throughout - Septic system, public utilities, and sprinklers - Saltwater tank and

    Nadia Augustin The Keyes Company (PBG)

    1549 W 19th St, Riviera Beach, FL 33404
  • /46

    $835,000

    • 2 Beds
    • 2 Baths
    • 1,533 Sq Ft

    5380 N Ocean Dr Unit 18A, Riviera Beach, FL 33404

    Perched on the 18th floor of Eastpointe I on Singer Island, this desirable A-stack residence offers sweeping views of both the Atlantic Ocean and Intracoastal Waterway, creating a stunning backdrop from sunrise to sunset. This spacious 2-bedroom, 2-bath condo features an open living and dining area filled with natural light, floor-to-ceiling sliding glass doors, and two private balconies perfect

    Meike Macgregor Compass Florida LLC

    5380 N Ocean Dr Unit 18A, Riviera Beach, FL 33404
  • /34

    $189,000

    • 2 Beds
    • 2.5 Baths
    • 1,199 Sq Ft

    3021 Laurel Ridge Cir, Riviera Beach, FL 33404

    Create equity and value in this 2 bedroom, 2.5 bathroom townhome located in a gated community with amenities. Features include a 1 car garage and CBS exterior.

    Joseph Bettag Coastal Properties

    3021 Laurel Ridge Cir, Riviera Beach, FL 33404
  • /49

    $419,900

    • 2 Beds
    • 2 Baths
    • 1,424 Sq Ft

    5460 N Ocean Dr Unit 1D, Riviera Beach, FL 33404

    Beautiful 2 bed 2 bath unit in the upscale Seagrape Condo on Singer island. The unit has been fully updated with partial ocean views, Intracoastal, and overlooks the resort-style pool. The kitchen features a BRAND NEW RANGE and DISHWASHER. The thoughtful layout features spacious bedrooms with generous walk-in closets and private balconies that offer relaxing views. The large living room provides

    Keith Bettenhausen Bermuda Shorts Real Estate Services Inc

    5460 N Ocean Dr Unit 1D, Riviera Beach, FL 33404
  • /72

    $549,000

    • 2 Beds
    • 2 Baths
    • 1,580 Sq Ft

    2650 Lake Shore Dr Unit 1802, Riviera Beach, FL 33404

    ONE OF THE MOST SPECTACULAR PANORAMIC VIEWS YOU WILL EVER SEE FROM THIS 18 FLOOR. 2 BEDROOM 2 1/2 BATHS WITH JACUZZI IN MASTER BATHROOM , MODERN UPGRADED KITCHEN FULLY FURNISHED.WASHER AND DRYER IN UNIT, VALET SERVICE,GARAGE PARKING,POOL, TENNIS,FITNESS CENTER,CARD ROOMS,BBQ AREA, MNGT ON SITE 24 SECURITY GUARD GATE . SEMI PRIVATE ELEVATOR TO YOUR FLOOR.RESORT STYLE LIVING,BOAT SLIPS AVAILABLE TO

    Tony Sacco Singer Island Real Estate

    2650 Lake Shore Dr Unit 1802, Riviera Beach, FL 33404
  • /2

    $1,000,000

    • 3 Beds
    • 4.5 Baths
    • 2,478 Sq Ft

    4100 N Ocean Dr Unit 1002, Riviera Beach, FL 33404

    COMING SOON! Panoramic Views! Priced to sell this is the largest unit currently available in the entire building! Over 2400 sq ft with 3 spacious bedrooms and 4.5 bathrooms this as an Unbelievable opportunity at Martinique II. Offering breathtaking southeastern views from the 10th floor, every room features floor to ceiling windows/doors that lead out to the panoramic balcony. Split floor plan

    Rachel Torres Premier Brokers International

    4100 N Ocean Dr Unit 1002, Riviera Beach, FL 33404
  • /2

    $280,000

    • 2 Beds
    • 1 Bath
    • 1,010 Sq Ft

    928 W 6th St, Riviera Beach, FL 33404

    2 bedroom / 1 bathroom single-family home with a carport and no HOA in Riviera Beach. This property has been placed in an upcoming online event. All bids should be submitted through Xome (void where prohibited). All properties are subject to a 3% buyer's premium, and bidding is pursuant to the Xome Auction Participation Agreement.

    Todd Hamilton United Realty Consultants

    928 W 6th St, Riviera Beach, FL 33404
  • /3

    $270,000

    • 4 Beds
    • 3 Baths
    • 1,768 Sq Ft

    1633 W 28th St Unit B, Riviera Beach, FL 33404

    Celio Ramos Charles Rutenberg Realty FTL

    1633 W 28th St Unit B, Riviera Beach, FL 33404
  • /49

    $1,450,000

    • 2 Beds
    • 2.5 Baths
    • 1,514 Sq Ft

    220 Lake Shore Dr Unit 1419, West Palm Beach, FL 33403

    BRAND NEW Two-Bedroom 2.5 Bathroom(s) luxury condo on 14th floor at Nautilus 220 (N220) with Southeast/Southwest exposure and incredible water views. This brand-new residence is partially furnished with 2 assigned parking spaces and storage unit. Rental available as well. Currently only partially furnished but can fully furnish as needed. Features: Washer/Dryer (Laundry Closet/Stackable),

    Christine Legris Oculus Realty LLC

    220 Lake Shore Dr Unit 1419, West Palm Beach, FL 33403
  • /18

    $339,000 Open Sat 10AM - 12PM

    • 2 Beds
    • 2.5 Baths
    • 1,448 Sq Ft

    6102 Seminole Gardens Cir, Riviera Beach, FL 33418

    Situated within the gated, family friendly community of Woodbine, this well maintained 2 bedroom, 2.5 bath townhouse with a 1 car garage is conveniently nestled between I-95 and the Turnpike. This townhome offers new roof and new exterior paint in 2025. Community features clubhouse, gym, pools, tennis, volleyball & soccer. 24 hour manned gate & roving security patrol. See It, Love It, Buy It!

    Amy Hackworth KW Reserve

    6102 Seminole Gardens Cir, Riviera Beach, FL 33418
  • /29

    $354,000

    • 2 Beds
    • 1 Bath
    • 640 Sq Ft

    416 58th St, West Palm Beach, FL 33407

    NORTHWOOD HARBOR MARINA DISTRICT IS A RED HOT AREA.THE NORTH FLAGLER DRIVE WATERFRONT IS DEVELOPING RAPIDLY WITH ICON MARINA VILLAGE PROJECT, NOMAR ESTATES AND SEVERAL CONDO PROJECTS UNDERWAY AND ALBA NEAR COMPLETION.THIS 1950 MID CENTURY CHARMERSINGLE FAMILY HOME HAS 2 BEDROOM 1 BATHROOMNEW TANKLESS WATER-HEATER, NEW PLUMBING IN KITCHEN AND BATHROOM, ROOF FRONT AND BACK ROOMS

    Gregory Bevilacqua The Corcoran Group

    416 58th St, West Palm Beach, FL 33407
  • /7

    $430,000

    • 1,430 Sq Ft

    646 Bayberry Dr, West Palm Beach, FL 33403

    Well-maintained duplex featuring two spacious 2-bedroom, 1-bath units, each offering comfortable living and great functionality. The property boasts ample parking and a large backyard—perfect for outdoor enjoyment or added value potential. A brand-new roof (2026) provides peace of mind for years to come. One unit is currently tenant-occupied through January 2027, making this an excellent

    Frantz Milfort Regency Realty Services

    646 Bayberry Dr, West Palm Beach, FL 33403
  • /25

    $4,500,000

    • 3 Beds
    • 3.5 Baths
    • 3,149 Sq Ft

    220 Lake Shore Dr Unit N-2212, West Palm Beach, FL 33403

    Experience brand-new luxury waterfront living at Nautilus 220. This residence offers sweeping Intracoastal and Atlantic Ocean views through floor-to-ceiling glass. The open-concept layout features private terraces ideal for enjoying stunning sunrises and seamless indoor-outdoor living. Interior finishes include Miele appliances, European cabinetry, a waterfall quartz island, and a private

    Robyn Polo Polo Group Florida LLC

    220 Lake Shore Dr Unit N-2212, West Palm Beach, FL 33403

Showing Results 401 - 440, Page 11 of 13

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