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Homes for Sale in 28460

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  • /40

    $350,000

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

    2000 New River Inlet Rd Unit 3405, North Topsail Beach, NC 28460

    This sought after OCEAN FRONT, 2 bed, 2 bath unit and rental machine offers sweeping, Intracoastal and ocean views framed by floor-to-ceiling glass. Whether it is morning coffee at sunrise, watching the dolphins or shrimp boats or an evening windown at sunset, there is nothing but waves and sand in front of you. The move in ready, oceanfront condo is its private balcony (accessable from every

    Britney Kensmoe Howard Perry & Walston Realtors HS

    2000 New River Inlet Rd Unit 3405, North Topsail Beach, NC 28460
  • /27

    $314,900

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

    2000 New River Inlet Rd Unit 3105, North Topsail Beach, NC 28460

    Oceanfront 2 Bed, 2 Bath Condo - St. Regis Resort, North TopsailWake up to breathtaking beach and pool views in this beautifully situated 2-bedroom, 2-bath condo at the sought-after St. Regis Resort in North Topsail Beach. Enjoy resort-style living with access to amenities including an oceanfront pool, indoor pool, fitness center, sauna, on-site restaurant, sports courts, and direct beach access.

    Carrie Cook Coldwell Banker Sea Coast Advantage

    2000 New River Inlet Rd Unit 3105, North Topsail Beach, NC 28460
  • /7

    $79,900

    • Land
    • 0.51 Acre
    • $156,667 per Acre

    311 Royal Eagle Ct, Sneads Ferry, NC 28460

    This .51-acre lot in The Preserve at Tidewater offers a key advantage--sewer access is available, providing greater flexibility for your home design compared to lots requiring septic systems. Perfectly suited for a beautiful elevated coastal-style home, this homesite gives you the freedom to choose your own builder and bring your vision to life. Located in a welcoming community with fantastic

    Kristen Downing RE/MAX Executive

    311 Royal Eagle Ct, Sneads Ferry, NC 28460
  • /49

    $579,000

    • 3 Beds
    • 2 Baths
    • 1,906 Sq Ft

    402 Harrison, Sneads Ferry, NC 28460

    Welcome to your stunning new custom-built home, thoughtfully crafted for comfort, style, and gathering with friends and family. This 3-bedroom, 2-bathroom residence also includes a versatile bonus office space and breathtaking marsh views that set the tone for serene coastal living.Step inside to an open floor plan designed for entertaining, where the kitchen, dining area, and living room flow

    Jennifer Davidson Real Estate Grou Berkshire Hathaway HomeServices Carolina Premier Properties

    402 Harrison, Sneads Ferry, NC 28460
  • /61

    $1,400,000

    • 4 Beds
    • 4 Baths
    • 2,248 Sq Ft

    132 N Permuda Wynd, North Topsail Beach, NC 28460

    Stunning second row to the ocean, four-bedroom, four-bath home, nestled in a highly sought-after waterfront community that spans from the sea to the sound. There is an elevator for easy access to each floor and carrying up bags/groceries. First floor is a welcoming foyer to drop your items and take either the stairs or elevator up. Second floor has four bedrooms, with three full bathrooms. Third

    Jordan Lanier Teresa Batts Real Estate, LLC

    132 N Permuda Wynd, North Topsail Beach, NC 28460
  • /14

    $279,000

    • Land
    • 2.28 Acres
    • $122,368 per Acre

    209 Creek View Cir, Sneads Ferry, NC 28460

    Survey and elevation certificate in hand--this lot is ready to go! A 4-bedroom septic permit is already approved, and a raised slab home can be built on this stunning 2.28 acre property with 239 feet of pristine waterfront. Located in a desirable waterfront community, this lot offers the perfect opportunity to build your coastal dream home. With water access and all the prep work done, you can

    Kristen Downing RE/MAX Executive

    209 Creek View Cir, Sneads Ferry, NC 28460
  • /13

    $82,900

    • Land
    • 1.05 Acres
    • $78,952 per Acre

    608 Needlerush Rd, Sneads Ferry, NC 28460

    This 1.05-acre lot in The Preserve at Tidewater offers a key advantage--sewer access is available, providing greater flexibility for your home design compared to lots requiring septic systems. Perfectly suited for a beautiful elevated coastal-style home, this homesite gives you the freedom to choose your own builder and bring your vision to life. Located in a welcoming community with fantastic

    Kristen Downing RE/MAX Executive

    608 Needlerush Rd, Sneads Ferry, NC 28460
  • /23

    $64,900

    • Land
    • 0.33 Acre
    • $196,667 per Acre

    327 Landon, Sneads Ferry, NC 28460

    This .33 acre lot in Marsh Haven Landing offers a rare opportunity to build your dream coastal home in one of Sneads Ferry's most desirable neighborhoods. Perfectly suited for an elevated coastal-style home, this property gives you the freedom to choose your own builder and bring your vision to life. Marsh Haven Landing features gorgeous marsh views and impressive amenities, including a

    Kristen Downing RE/MAX Executive

    327 Landon, Sneads Ferry, NC 28460
  • /23

    $79,900

    • Land
    • 0.72 Acre
    • $110,972 per Acre

    339 Landon, Sneads Ferry, NC 28460

    This .72 acre lot in Marsh Haven Landing offers a rare opportunity to build your dream coastal home in one of Sneads Ferry's most desirable neighborhoods. Perfectly suited for an elevated coastal-style home, this property gives you the freedom to choose your own builder and bring your vision to life. Marsh Haven Landing features gorgeous marsh views and impressive amenities, including a

    Kristen Downing RE/MAX Executive

    339 Landon, Sneads Ferry, NC 28460
  • /12

    $96,900

    • Land
    • 1.06 Acres
    • $91,415 per Acre

    708 Serenity Way, Sneads Ferry, NC 28460

    This 1.06-acre lot in The Preserve at Tidewater offers a key advantage--sewer access is available, providing greater flexibility for your home design compared to lots requiring septic systems. Perfectly suited for a beautiful elevated coastal-style home, this homesite gives you the freedom to choose your own builder and bring your vision to life. Located in a welcoming community with fantastic

    Kristen Downing RE/MAX Executive

    708 Serenity Way, Sneads Ferry, NC 28460
  • /23

    $64,900

    • Land
    • 0.35 Acre
    • $185,429 per Acre

    333 Landon, Sneads Ferry, NC 28460

    This .35 acre lot in Marsh Haven Landing offers a rare opportunity to build your dream coastal home in one of Sneads Ferry's most desirable neighborhoods. Perfectly suited for an elevated coastal-style home, this property gives you the freedom to choose your own builder and bring your vision to life. Marsh Haven Landing features gorgeous marsh views and impressive amenities, including a

    Kristen Downing RE/MAX Executive

    333 Landon, Sneads Ferry, NC 28460
  • /39

    $529,000

    • 3 Beds
    • 3 Baths
    • 1,655 Sq Ft

    226 Coastal Dr Unit B, North Topsail Beach, NC 28460

    Elevator No HOA Peaceful Cul-de-Sac with Gorgeous Water Views!Discover the ultimate blend of relaxation and coastal charm in this 3-bedroom, 3-bath townhouse on North Topsail Beach. Tucked away on a quiet cul-de-sac, this island retreat captures stunning views of the marsh and Intracoastal Waterway from multiple decks, perfect for morning coffee or sunset unwinding.The reverse floor plan and

    Amber Shelar RE/MAX Executive

    226 Coastal Dr Unit B, North Topsail Beach, NC 28460
  • /22

    $84,900

    • Land
    • 0.55 Acre
    • $154,364 per Acre

    403 Harrison, Sneads Ferry, NC 28460

    This .55 acre lot in Marsh Haven Landing offers a rare opportunity to build your dream coastal home in one of Sneads Ferry's most desirable neighborhoods. Perfectly suited for an elevated coastal-style home, this property gives you the freedom to choose your own builder and bring your vision to life. Marsh Haven Landing features gorgeous marsh views and impressive amenities, including a

    Kristen Downing RE/MAX Executive

    403 Harrison, Sneads Ferry, NC 28460
  • /23

    $64,900

    • Land
    • 0.26 Acre
    • $249,615 per Acre

    314 Landon Ln, Sneads Ferry, NC 28460

    This .26 acre lot in Marsh Haven Landing offers a rare opportunity to build your dream coastal home in one of Sneads Ferry's most desirable neighborhoods. Perfectly suited for an elevated coastal-style home, this property gives you the freedom to choose your own builder and bring your vision to life. Marsh Haven Landing features gorgeous marsh views and impressive amenities, including a

    Kristen Downing RE/MAX Executive

    314 Landon Ln, Sneads Ferry, NC 28460
  • /23

    $45,900

    • Land
    • 0.23 Acre
    • $199,565 per Acre

    308 Landon Ln, Sneads Ferry, NC 28460

    This .23 acre lot in Marsh Haven Landing offers a rare opportunity to build your dream coastal home in one of Sneads Ferry's most desirable neighborhoods. Perfectly suited for an elevated coastal-style home, this property gives you the freedom to choose your own builder and bring your vision to life. Marsh Haven Landing features gorgeous marsh views and impressive amenities, including a

    Kristen Downing RE/MAX Executive

    308 Landon Ln, Sneads Ferry, NC 28460
  • /23

    $64,900

    • Land
    • 0.51 Acre
    • $127,255 per Acre

    335 Landon, Sneads Ferry, NC 28460

    This .51 acre lot in Marsh Haven Landing offers a rare opportunity to build your dream coastal home in one of Sneads Ferry's most desirable neighborhoods. Perfectly suited for an elevated coastal-style home, this property gives you the freedom to choose your own builder and bring your vision to life. Marsh Haven Landing features gorgeous marsh views and impressive amenities, including a

    Kristen Downing RE/MAX Executive

    335 Landon, Sneads Ferry, NC 28460
  • /12

    $84,900

    • Land
    • 1.45 Acres
    • $58,552 per Acre

    711 Serenity Way, Sneads Ferry, NC 28460

    This 1.45-acre lot in The Preserve at Tidewater offers a key advantage--sewer access is available, providing greater flexibility for your home design compared to lots requiring septic systems. Perfectly suited for a beautiful elevated coastal-style home, this homesite gives you the freedom to choose your own builder and bring your vision to life. Located in a welcoming community with fantastic

    Kristen Downing RE/MAX Executive

    711 Serenity Way, Sneads Ferry, NC 28460
  • /36

    $190,000

    • 1 Bed
    • 1 Bath
    • 541 Sq Ft

    2196 New River Inlet Rd Unit 167, North Topsail Beach, NC 28460

    You don't want to miss this oceanfront, beautifully maintained, coastal-charmed condo located at serene Topsail Reef! You will love the fully-equipped kitchen with new, premium butcher block countertops, modern backsplash, beautiful cabinets, stainless steel appliances and a new sink! The open-concept living area offers inviting space and absolutely stunning views of the ocean! Take in sweeping,

    Paige Gillentine RE/MAX Executive

    2196 New River Inlet Rd Unit 167, North Topsail Beach, NC 28460
  • /12

    $99,900

    • Land
    • 1.44 Acres
    • $69,375 per Acre

    164 Evergreen Forest Dr, Sneads Ferry, NC 28460

    This 1.44-acre lot in The Preserve at Tidewater offers a key advantage--sewer access is available, providing greater flexibility for your home design compared to lots requiring septic systems. Perfectly suited for a beautiful elevated coastal-style home, this homesite gives you the freedom to choose your own builder and bring your vision to life. Located in a welcoming community with fantastic

    Kristen Downing RE/MAX Executive

    164 Evergreen Forest Dr, Sneads Ferry, NC 28460
  • /13

    $99,900

    • Land
    • 1.96 Acres
    • $50,969 per Acre

    606 Needlerush Rd, Sneads Ferry, NC 28460

    This 1.96-acre lot in The Preserve at Tidewater offers a key advantage--sewer access is available, providing greater flexibility for your home design compared to lots requiring septic systems. Perfectly suited for a beautiful elevated coastal-style home, this homesite gives you the freedom to choose your own builder and bring your vision to life. Located in a welcoming community with fantastic

    Kristen Downing RE/MAX Executive

    606 Needlerush Rd, Sneads Ferry, NC 28460
  • /25

    $52,900

    • Land
    • 0.42 Acre
    • $125,952 per Acre

    323 Landon Ln, Sneads Ferry, NC 28460

    This .42 acre lot in Marsh Haven Landing offers a rare opportunity to build your dream coastal home in one of Sneads Ferry's most desirable neighborhoods. Perfectly suited for an elevated coastal-style home, this property gives you the freedom to choose your own builder and bring your vision to life. Marsh Haven Landing features gorgeous marsh views and impressive amenities, including a

    Kristen Downing RE/MAX Executive

    323 Landon Ln, Sneads Ferry, NC 28460
  • /14

    $99,900

    • Land
    • 1.99 Acres
    • $50,201 per Acre

    607 Needlerush Rd, Sneads Ferry, NC 28460

    This 1.99-acre lot in The Preserve at Tidewater offers a key advantage--sewer access is available, providing greater flexibility for your home design compared to lots requiring septic systems. Perfectly suited for a beautiful elevated coastal-style home, this homesite gives you the freedom to choose your own builder and bring your vision to life. Located in a welcoming community with fantastic

    Kristen Downing RE/MAX Executive

    607 Needlerush Rd, Sneads Ferry, NC 28460
  • /23

    $79,900

    • Land
    • 0.55 Acre
    • $145,273 per Acre

    401 Harrison, Sneads Ferry, NC 28460

    This .55 acre lot in Marsh Haven Landing offers a rare opportunity to build your dream coastal home in one of Sneads Ferry's most desirable neighborhoods. Perfectly suited for an elevated coastal-style home, this property gives you the freedom to choose your own builder and bring your vision to life. Marsh Haven Landing features gorgeous marsh views and impressive amenities, including a

    Kristen Downing RE/MAX Executive

    401 Harrison, Sneads Ferry, NC 28460
  • /23

    $64,900

    • Land
    • 0.42 Acre
    • $154,524 per Acre

    329 Landon, Sneads Ferry, NC 28460

    This .42 acre lot in Marsh Haven Landing offers a rare opportunity to build your dream coastal home in one of Sneads Ferry's most desirable neighborhoods. Perfectly suited for an elevated coastal-style home, this property gives you the freedom to choose your own builder and bring your vision to life. Marsh Haven Landing features gorgeous marsh views and impressive amenities, including a

    Kristen Downing RE/MAX Executive

    329 Landon, Sneads Ferry, NC 28460
  • /23

    $69,900

    • Land
    • 0.62 Acre
    • $112,742 per Acre

    337 Landon, Sneads Ferry, NC 28460

    This .62 acre lot in Marsh Haven Landing offers a rare opportunity to build your dream coastal home in one of Sneads Ferry's most desirable neighborhoods. Perfectly suited for an elevated coastal-style home, this property gives you the freedom to choose your own builder and bring your vision to life. Marsh Haven Landing features gorgeous marsh views and impressive amenities, including a

    Kristen Downing RE/MAX Executive

    337 Landon, Sneads Ferry, NC 28460
  • /52

    $848,000

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

    2376 New River Inlet Rd, North Topsail Beach, NC 28460

    FRACTIONAL OWNERSHIP IS AVAILABLE. Ready to live the Coastal Dream? Welcome to this stunning 5-bedroom, 5-bathroom oceanfront duplex home located on the picturesque island of North Topsail Beach. This turn-key, fully furnished residence offers spectacular views from every room, allowing you to experience the beauty of the coastline no matter where you are in the house. Whether you're seeking a

    Jennifer Moore Coldwell Banker Sea Coast Advantage

    2376 New River Inlet Rd, North Topsail Beach, NC 28460
  • /47

    $940,000

    • 3 Beds
    • 2 Baths
    • 2,200 Sq Ft

    132 Gemstone Dr, Sneads Ferry, NC 28460

    Waterfront Living at Its Finest in Stone Bay!Life at 132 Gemstone is as easy as 1-2-3: metal roof, boat dock, fence, shed, plenty of parking, no flood zone, and no HOA, all on 1 level offering waterfront living at its best.Your 3 Bed, 2 Bath 2200 SF custom-built brick home on Stone Bay has a 6,000 lb. boat lift and direct access to the Intracoastal Waterway and Atlantic Ocean within minutes. Set

    Jason Allen Berkshire Hathaway HomeServices Carolina Premier Properties

    132 Gemstone Dr, Sneads Ferry, NC 28460
  • /2

    $459,561

    • 6 Beds
    • 4.5 Baths
    • 3,049 Sq Ft

    807 Schoolfield Dr, Sneads Ferry, NC 28460

    The Turner is a two-story open plan home with six bedrooms and four and a half baths. There is a guest suite, equipped with walk-in closet and a full bath, off of the entry. The family room, with fireplace, has access to the formal dining room, kitchen and eat-in area. The kitchen features a large island and walk-in pantry off of the garage entrance. There is also ample under stair storage. The

    Jessica Overby Mungo Homes

    807 Schoolfield Dr, Sneads Ferry, NC 28460
  • /3

    $379,036

    • 4 Beds
    • 3 Baths
    • 2,027 Sq Ft

    806 Schoolfield Dr, Sneads Ferry, NC 28460

    This Durham is a four-bedroom, three bathroom one and a half story home with an open floor plan. The kitchen, with two pantries, and an eat-in area are open to the trayed ceiling great room. The primary bedroom is split from the secondary bedrooms and features a large walk-in closet and an over-sized linen closet. Both secondary bedrooms also feature walk-in closets. The laundry room is

    Jessica Overby Mungo Homes

    806 Schoolfield Dr, Sneads Ferry, NC 28460
  • /61

    $370,000

    • 4 Beds
    • 2.5 Baths
    • 1,952 Sq Ft

    622 High Tide Dr, Sneads Ferry, NC 28460

    Welcome to this beautiful 4-bedroom, 2.5-bathroom two-story home in the desirable Oyster Landing community of Sneads Ferry! With ample square footage of well-designed living space, this home offers comfort, style, and convenience. The spacious eat-in kitchen features granite countertops and opens to a cozy living area with a gas fireplace--perfect for relaxing or entertaining.Upstairs, the

    Nicky Bartlett Carolina Modern Realty

    622 High Tide Dr, Sneads Ferry, NC 28460
  • /26

    $215,000

    • 2 Beds
    • 2.5 Baths
    • 1,118 Sq Ft

    104 Justice Farm Dr, Sneads Ferry, NC 28460

    Move-in ready 2-bedroom, 2.5-bath townhome in Justice Farms, Sneads Ferry! Featuring fresh paint, new carpet, and LVP flooring throughout the main living area, this home offers over 1,100 sq. ft. of comfortable coastal living. Enjoy a bright, open kitchen that flows into the living room--perfect for entertaining or movie nights. Upstairs, both spacious bedrooms have their own private bathrooms,

    Rachel Love Coldwell Banker Sea Coast Advantage

    104 Justice Farm Dr, Sneads Ferry, NC 28460
  • /63

    $649,900

    • 3 Beds
    • 2.5 Baths
    • 1,470 Sq Ft

    1784 New River Inlet Rd Unit 4, North Topsail Beach, NC 28460

    No need to be ''demure'' .... Yes, that's right you heard me .... We're trending again in 2025 at this partially renovated & upgraded oceanfront unit with 3 bedrooms and 2.5 baths townhome in the Ship Watch Villas townhome community. Situated on North Topsail Beach and nestled next to the ocean, this small community offers SO much just through the HOA. HOA fees are affordable and include exterior

    Joseph Powers Joe Powers Realty

    1784 New River Inlet Rd Unit 4, North Topsail Beach, NC 28460
  • /41

    $544,000

    • 3 Beds
    • 3 Baths
    • 1,428 Sq Ft

    128 Sea Gull Ln, North Topsail Beach, NC 28460

    Welcome to your dream beach retreat in serene North Topsail Beach! Whether you're looking for a full-time residence, a second home, or a proven income-producing property, this beautifully maintained 3-bedroom, 3-bath townhouse checks all the boxes. Solidly booked for the past two summer seasons, it offers excellent rental potential from day one. Enjoy the ease and convenience of a private

    Alison Vause Intracoastal Realty Corp.

    128 Sea Gull Ln, North Topsail Beach, NC 28460
  • /27

    $379,900

    • 2 Beds
    • 2 Baths
    • 904 Sq Ft

    1866 New River Inlet Rd Unit 3404, North Topsail Beach, NC 28460

    Experience the Breathtaking Ocean Views at this beautifully updated 2-bedroom, 2-bathroom Oceanfront condo at Topsail Dunes. Discover coastal living at its finest at this cozy 4th floor condo in building 3 which is the only building at Topsail Dunes with the convenience of an elevator! This home comes completely furnished and features a fully equipped kitchen with updated cabinets and appliances.

    Lois Hutchins RE/MAX Elite Realty Group

    1866 New River Inlet Rd Unit 3404, North Topsail Beach, NC 28460
  • /70

    $445,000

    • 4 Beds
    • 2.5 Baths
    • 2,728 Sq Ft

    410 Celtic Ash St, Sneads Ferry, NC 28460

    $10,000 USE AS YOU CHOOSEWelcome to Sneads Ferry!410 Celtic Ash is nestled on a spacious half-acre secluded corner lot in the highly sought-after Escoba Bay. This beautiful and well-maintained home boasts 4 generous bedrooms and 2.5 bathrooms, MOVE-IN READYFeaturesGreat Floor Plan: Over 2,700 square feet of living space.Inviting Living Room: Upon entering, you are welcomed by a large open living

    Danielle Butler The Sue Cruddas Real Estate Team

    410 Celtic Ash St, Sneads Ferry, NC 28460
  • /14

    $95,000

    • Land
    • 0.46 Acre
    • $206,522 per Acre

    205 Egret Point Dr, Sneads Ferry, NC 28460

    Great Location and ready for your new dream home! 4 bedroom septic on file! Lovely community minutes from local beaches, shopping, great eateries and local bases for easy access ! Bring those kayaks as the neighborhood has access for you to enjoy a walk to the kayak launch. Call for more details!

    Fay Riedl 360 REALTY

    205 Egret Point Dr, Sneads Ferry, NC 28460
  • /39

    $340,000

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

    2000 New River Inlet Rd Unit 3313, North Topsail Beach, NC 28460

    Come and start enjoying life ''Island Style!'' This 2 bedroom 2 bath OF condio is calling your name!! If you are looking for a beach rental, a second home or fulltime living, this is the condo for you! No yard work! No pool cleaning! No driving for a work out! No driving for dinner! Going to the beach anytime without looking for and paying for a parking space! Going to sleep at night with roar of

    Wanda Martin-Davis Better Homes and Gardens Real Estate Treasure

    2000 New River Inlet Rd Unit 3313, North Topsail Beach, NC 28460
  • /36

    $774,500

    • 3 Beds
    • 3 Baths
    • 1,477 Sq Ft

    2720 Island Dr, North Topsail Beach, NC 28460

    This rare coastal find offers the perfect balance of lifestyle, comfort, and investment potential. Has never been on the short-term rental market. Ocean views, spacious bedrooms, and 3 full en-suite baths make this one a true standout!Before you step inside the home to see the views, or onto the decks to feel the breeze - you can already spot the Ocean City Beach private community beach access,

    Jessica Soles-Moore Soles-Moore & Associates Real Estate

    2720 Island Dr, North Topsail Beach, NC 28460
  • /33

    $145,000

    • 1 Bed
    • 1 Bath
    • 532 Sq Ft

    2210 New River Inlet Rd Unit 159, North Topsail Beach, NC 28460

    This wonderfully cared for condo is located in one of the most sought after buildings on a lower level tucked to the side in Topsail Reef! Easy access to parking, beach access to the white sandy beaches of the island, laundry facilities, tennis courts, and currently used as a primary residence. Which opens you up to multiple options, whether wanting to use as your very own getaway or furnishing

    Realist Homes Keller Williams Transition

    2210 New River Inlet Rd Unit 159, North Topsail Beach, NC 28460
  • /21

    $950,000

    • Land
    • 0.84 Acre
    • $1,130,952 per Acre

    000 Hampton Colony Cir, North Topsail Beach, NC 28460

    This Ocean Front N Topsail .84 Acre Lot located at 438 Hampton Colony is waiting for you! Low HOA fees which includes pool & clubhouse make it easy to maintain and enjoy all that this oasis has to offer. Sewer and water tap are already available - plans to build are ready! Gorgeous views of the Ocean right at your fingertips. Don't miss out on this unbelievable opportunity - Contact us today

    Daniel Boyle Town & Country Real Estate

    000 Hampton Colony Cir, North Topsail Beach, NC 28460

Showing Results 161 - 200, Page 5 of 14

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