1,238

Homes for Sale near Academy of Our Lady of Mount Carmel

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  • /24

    $449,000 Open Sat 10:30AM - 11:30AM

    • 3 Beds
    • 2 Baths
    • 1,333 Sq Ft

    3850 Sedgwick Ave Unit 5J, Bronx, NY 10463

    Rare opportunity to own a 3-bedroom, 2 Bath with a Terrace in Van Cortlandt Village! Step into a bright and airy living and dining area, perfect for a large family. The windowed kitchen features generous cabinet space and a brand-new stove and dishwasher. Enjoy two full bathrooms—one with a shower and one with a tub/shower combination—for added convenience.All three bedrooms are

    Maria Moragianis Robert E. Hill Inc.

    3850 Sedgwick Ave Unit 5J, Bronx, NY 10463
  • /30

    $1,998,000

    • 5 Beds
    • 4.5 Baths

    40 5th St, Cresskill, NJ 07626

    Discover your dream home in the heart of Cresskill! Built in 2016, this stunning 5-bedroom, 4.5-bath residence offers everything today's homeowners desire and need. Nestled on a peaceful cul-de-sac, the home boasts a spacious, private, landscaped backyard surrounded by natural beauty. Sunlight fills the open family room with a fireplace, flowing seamlessly into the gourmet kitchen & breakfast

    Connie Choi Keller Williams Town Life

    40 5th St, Cresskill, NJ 07626
  • /7

    $3,050,000

    • Land
    • 0 Acre

    14 Church St, Alpine, NJ 07620

    Beautifully located 1.62-acre property in sought after Alpine, surrounded by magnificent new homes. This rare offering provides the perfect opportunity to build your dream estate in one of Bergen Countyâ€TMs most prestigious communities. The property is cleared and ready to go, featuring a new septic system, DEP approval, and available site plans. Enjoy easy access to 9W, major highways, and New

    Barri Plawker Howard Hanna Rand Realty, Englewood Cliffs

    14 Church St, Alpine, NJ 07620
  • /11

    $415,000

    • 2 Beds
    • 2 Baths
    • 1,200 Sq Ft

    3512 Oxford Ave Unit 6C, Bronx, NY 10463

    Welcome to 3512 Oxford Avenue, Unit 6C, an exceptional 2-bedroom, 2-bath coop in a post-war, low-rise building that offers a sensational city lifestyle. Tucked away in a lively neighborhood, this top-floor, corner unit boasts an extraordinary blend of comfort and convenience. Step inside to discover a sun-soaked haven with an open floor plan that's ideal space for entertaining. The

    Michelle Badour Douglas Elliman Real Estate

    3512 Oxford Ave Unit 6C, Bronx, NY 10463
  • /23

    $2,100,000

    • 3 Beds
    • 2.5 Baths

    35 Old Dock Rd, Alpine, NJ 07620

    All Brick Ranch on Double Lots in Alpine. A Private Forest Retreat with Flexibility. Welcome to this distinguished, all brick ranch in Alpine, offering elegance, comfort, and flexible ownership possibilities. This home features 3 bedrooms and 2 full baths, with spacious living areas bathed in soft, natural light from large eastern facing windows. An expansive, fully finished basement enhances

    Deborah Felder Coldwell Banker, Fort Lee

    35 Old Dock Rd, Alpine, NJ 07620
  • /8

    $150,000

    • 1 Bed
    • 1 Bath
    • 700 Sq Ft

    6200 Riverdale Ave Unit 3K, Bronx, NY 10471

    Welcome to this cozy one-bedroom, one-bath at 6200 Riverdale Avenue, Apt 3K with LOW maintenance of $572, located in the vibrant North section of Riverdale. Step inside to an open-concept kitchen and living space featuring white shaker cabinetry, stainless steel appliances, and hardwood floors throughout. The bedroom is generously sized, bright and airy, with two closets and space for a

    Edward Meltser RE/MAX In The City

    6200 Riverdale Ave Unit 3K, Bronx, NY 10471
  • /18

    $459,000

    • 2 Beds
    • 1 Bath

    246 van Buskirk Rd, Teaneck, NJ 07666

    Charming home with hardwood floors throughout Living room, eat in kitchen Two bedrooms, modern tiled bath Full Basement. full attic very nice backyard garage great location very convenient to public transportation schools and shopping. To be sold As Is. BUYER IS RESPONSIBLE FOR THE CERTIFICATE OF OCCUPANCY.

    Maria Waller Weichert Realtors, Fort Lee

    246 van Buskirk Rd, Teaneck, NJ 07666
  • /6

    $395,000

    • 2 Beds
    • 1 Bath

    687 W 204th St Unit 1-E, New York, NY 10034

    Priced to Sell! Spacious & Sunny Elevated 1st floor 2-Bedroom with Elevator, Laundry & Pet-Friendly!Welcome to 687 West 204th St, Unit 1E, a bright and spacious two-bedroom home in a well-maintained, pet-friendly building. This charming unit features gleaming hardwood floors, an eat-in kitchen, and ample closet space, providing both comfort and functionality.Enjoy the convenience

    Adam Dyminski CITY SKYLINE RENTALS LLC

    687 W 204th St Unit 1-E, New York, NY 10034
  • /20

    $149,000

    • 1 Bed
    • 1 Bath
    • 825 Sq Ft

    95 Sedgwick Ave Unit 1G, Yonkers, NY 10705

    Move right into this bright and inviting 1 bedroom, 1 bathroom unit featuring an updated kitchen with granite countertops and stainless-steel appliances. The spacious living room is filled with natural light, and the generously sized bedroom offers two closets for ample storage.Offering added privacy, this unit is set toward the back of the building and includes updated windows. It is

    Jo Ann Reilly Julia B Fee Sothebys Int. Rlty

    95 Sedgwick Ave Unit 1G, Yonkers, NY 10705
  • /3

    $1,950,000

    • Land
    • 0 Acre

    148 Demarest Ave, Englewood Cliffs, NJ 07632

    Rare opportunity to build your dream home in highly sought-after Englewood Cliffs! Situated on 0.27 acres, this prime property comes with full architectural plans, approved permits, and completed demolition—delivered completely shovel-ready for immediate construction. With everything in place, you can seamlessly move forward and bring your vision to life. Ideally located just minutes from NYC,

    Tony Nabhan Keller Williams City Views Realty

    148 Demarest Ave, Englewood Cliffs, NJ 07632
  • /42

    $629,000

    • 3 Beds
    • 2 Baths

    1470 Gaylord Terrace, Teaneck, NJ 07666

    Fully Renovated Colonial on a Corner Lot! Welcome home to this beautifully updated 3-Bedroom, 2-Full Bath showcasing a stylish black-and-white exterior motif, brand-new walkways, stairs, paved driveway, and fresh curb appeal. Step inside through the entrance foyer and into the open living room with A cozy sunroom or sitting area surrounded by windows bringing abundant natural light, perfect for a

    Mark Werner WERNER REALTY

    1470 Gaylord Terrace, Teaneck, NJ 07666
  • /11

    $229,000

    • 1 Bed
    • 1 Bath
    • 450 Sq Ft

    1793 Riverside Dr Unit 2G, New York, NY 10034

    Opportunity knocks! This junior one-bedroom co-op at 1793 Riverside Drive offers one of the best values in Upper Manhattan. With low monthly maintenance of $624 and an asking price of $229,000, it's an accessible path to ownership - perfect for first-time buyers, investors, or as a convenient pied-à-terre. Beyond the numbers, the home delivers a flexible layout and pre-war charm

    Nikita Idiri Coldwell Banker Warburg

    1793 Riverside Dr Unit 2G, New York, NY 10034
  • /21

    $464,900

    • 3 Beds
    • 1.5 Baths

    79 Blauvelt Ave, Dumont, NJ 07628

    Bring your vision and creativity to this single-family home full of potential! Perfectly situated in a desirable neighborhood, this property offers a fantastic opportunity for homeowners, investors, or contractors looking to customize and add value. The home features 3 beds, 1 full bath, 1 half bath, a spacious living area, and a functional layout ready for your personal touch. With some

    Ryan Knab Coldwell Banker, Fort Lee

    79 Blauvelt Ave, Dumont, NJ 07628
  • /41

    $325,000

    • 3 Beds
    • 2 Baths

    555 North Ave Unit 6F, Fort Lee, NJ 07024

    WELCOME HOME! This highly sought-after renovated 3-bedroom “F Line†residence offers East, South, and North exposures, filling the home with natural light. The entry opens to gorgeous plank flooring, a galley kitchen with warm wood cabinetry, stylish tile backsplash, and stainless steel appliances, leading into a formal dining room and spacious living room with sliders to a private terrace.

    Ila Kasofsky Prominent Properties Sotheby's International Realty-Englewood Cliffs

    555 North Ave Unit 6F, Fort Lee, NJ 07024
  • /14

    $255,000 Open Thu 5:30PM - 6:30PM

    • 1 Bed
    • 1 Bath
    • 750 Sq Ft

    2465 Palisade Ave Unit 7H, Bronx, NY 10463

    Welcome to 2465 Palisade Avenue, Apt. 7H, a gem nestled in the heart of Spuyten Duyvil. This one-bedroom, one-bathroom co-op unit is situated in The Bradley, a well-maintained eight-story building brimming with character and charm. The property boasts an array of features designed for comfortable and convenient living. Hardwood floors flow throughout the apartment, adding a touch of

    Mary Phelan-Kavanagh Douglas Elliman Real Estate

    2465 Palisade Ave Unit 7H, Bronx, NY 10463
  • /2

    $315,900

    • 2 Beds
    • 1 Bath

    241 E Main St Unit 1D, Bergenfield, NJ 07621

    GREAT Location!! Bus stop in front of building! Commuter Train located 3 miles away! Within walking distance to shopping, schools and places of worship, this is a commuters dream! Bring Your Decorating Ideas!! This first floor unit located in a secured well maintained building, offers living room with dining area, updated kitchen, 2 bedrooms and a updated full bath with hardwood floors through

    Thomasina Gesumaria Coldwell Banker, Wayne

    241 E Main St Unit 1D, Bergenfield, NJ 07621
  • /27

    $459,000

    • 2 Beds
    • 2 Baths

    2000 Linwood Ave Unit 14Y, Fort Lee, NJ 07024

    High floor 2BR/2Bath condo with a wonderful NYC skyline view. Hardwood parquet floors throughout. Redesigned open kitchen offers plenty of storage and room to create culinary specialties while enjoying your company in the living room. Both bathrooms have been gut renovated. Bring your own color palette and move right in ! Med South offers 24/7 concierge/security service, on site

    Sandra Solomon Prominent Properties Sotheby's International Realty-Englewood Cliffs

    2000 Linwood Ave Unit 14Y, Fort Lee, NJ 07024
  • /34

    $3,695,000

    • 5 Beds
    • 5 Baths

    56 Lilac Ln, Paramus, NJ 07652

    A Rare Opportunity to own a True Gem set on over 1 Acre of Pristine, Ultra-Private Grounds on One of the Most Coveted Streets on the East side of Paramus. This Exquisite, Young 8,000+sf Custom Home offers Luxury Living across Three Expansive Levels. A Gated Paver Driveway leads to a Stunning Front Courtyard and 3-Car Garage. Inside, a Grand Foyer Welcomes you to Elegant Living and Dining rooms, a

    Tony Nabhan Keller Williams City Views Realty

    56 Lilac Ln, Paramus, NJ 07652
  • /16

    $174,999

    • 1 Bed
    • 1 Bath
    • 850 Sq Ft

    679 Warburton Ave Unit 2R, Yonkers, NY 10701

    Welcome to 679 Warburton Avenue, Yonkers, NY — a beautifully maintained and spacious 1-bedroom co-op located in a desirable elevator building along the Hudson River. This ground-level unit is one of the largest one-bedrooms in the area, offering both comfort and convenience.Step inside to find gleaming hardwood floors, freshly painted walls, and a bright, open layout that makes you feel

    Duwayne Shaw Shaw Properties

    679 Warburton Ave Unit 2R, Yonkers, NY 10701
  • /28

    $1,995,000

    • 4 Beds
    • 5 Baths

    274 College Rd, Bronx, NY 10471

    Exclusive New Listing Fieldston Historic District Classic & Bright 4-Bd. Stucco & Stone House with Deck & Patio Talk about sweet! This classic and sunny 4-bedroom, 3-full and 2-half-bath, stucco and stone house, completed in 1928, was designed by master architect Julius Gregory in the Medieval Revival style. It enjoys a welcoming grassy front yard, an inviting dining deck and a lovely private

    Arlene Trebach TREBACH REALTY INC

    274 College Rd, Bronx, NY 10471
  • /15

    $185,000

    • 1 Bed
    • 1 Bath
    • 705 Sq Ft

    5730 Mosholu Ave Unit 5F, Bronx, NY 10471

    Gracious & Spacious 1-Bedroom, 1-Bath in Prime North Riverdale Location Welcome to your new home in the heart of North Riverdale—a beautifully renovated and oversized 1-bedroom, 1-bathroom apartment offering comfort, space, and convenience. This thoughtfully updated residence features an updated kitchen and an updated bath, providing a fresh and functional living space that’s truly move-in ready.

    Chris Casey Compass Greater NY, LLC

    5730 Mosholu Ave Unit 5F, Bronx, NY 10471
  • /15

    $332,500

    • 2 Beds
    • 1 Bath

    109 Grand Ave Unit 4H, Englewood, NJ 07631

    Welcome to The Grand Chester – a classic pre-war brick building full of charm and curb appeal, ideally located on Grand Avenue in the heart of Englewood. This delightful 2-bedroom, 1-bath condo is a perfect opportunity for first-time buyers looking for space, character, and unbeatable convenience. Just steps from downtown Englewood, youâ€TMll have shopping, restaurants, cafes, parks, and NYC

    Michael Morris Vylla Home

    109 Grand Ave Unit 4H, Englewood, NJ 07631
  • /11

    $250,000

    • 1 Bed
    • 1 Bath

    12 Gainesborough Terrace Unit 1B, River Edge, NJ 07661

    Welcome to Gainesborough! This Co-op unit features a spacious layout with an eat-in kitchen, large combined living/dining area with good natural lighting. The sizable bedroom features a walk-in closet with ample storage space plus other closets throughout the unit. Additional highlights include hardwood floors, basement storage for convenience, on-site laundry facilities. Easy On site parking.

    Tyler Sokolich Sokolich Real Estate

    12 Gainesborough Terrace Unit 1B, River Edge, NJ 07661
  • /42

    $2,675,000

    • 5 Beds
    • 3.5 Baths

    67 Forest Rd, Tenafly, NJ 07670

    Incomparable home in coveted East Hill neighborhood. Incredibly rare opportunity to own this private, peaceful sanctuary atop 1.4 lush acres on Tenaflys most beautiful street in Old Smith Village. This stone manor features a modern, light filled interior that is the epitome of simplicity & beauty. With 5 BRs & 3.5 bathrooms, room after room reveals gracious spaces to live, work, & play where the

    Stacy Esser Keller Williams Town Life

    67 Forest Rd, Tenafly, NJ 07670
  • /10

    $575,000

    • 3 Beds
    • 2 Baths
    • 1,400 Sq Ft

    3635 Johnson Ave Unit 3N, Bronx, NY 10463

    Best of both worlds! This large, 3-bedroom 2-bath apartment w/ Balcony is in Central Riverdale, an area that offers a peaceful, relaxed atmosphere with a touch of city life. Apartment 3N, at The Savoy, is beautiful, renovated and move-in ready. Apartment details include a renovated windowed kitchen with Miele stainless steel appliances, quartz countertops and glass-front shaker style cabinets.

    nanette gran Brown Harris Stevens

    3635 Johnson Ave Unit 3N, Bronx, NY 10463
  • /10

    $165,000

    • 1 Bed
    • 1 Bath
    • 1,100 Sq Ft

    709 Warburton Ave Unit 7G, Yonkers, NY 10701

    Relax and enjoy this large one-bedroom apartment featuring a separate kitchen, spacious living room with a dining area, and a generously sized bedroom. Also partial Henry Hudson views. While the unit needs a little TLC, it offers excellent value and great potential. HOA fee includes: heat and hot water. Parking spot included but additional to the HOA fee. Property taxes may be reduced for

    Jerome Yeiser ELITE PROPERTY MANAGEMENT

    709 Warburton Ave Unit 7G, Yonkers, NY 10701
  • /24

    $795,000

    • 4 Beds
    • 3 Baths
    • 2,060 Sq Ft

    3607 Irwin Ave, Bronx, NY 10463

    Welcome to 3607 Irwin Avenue, a classic all-brick two-family home nestled in the desirable Kingsbridge section of the Bronx. Blending historic character with modern comfort, this spacious residence offers incredible flexibility, rental income potential, and a private, peaceful setting—rarely found in city living. The main unit spans two levels and lives like a single-family home, featuring 3

    Lourdes Cartagena Locqube New York, Inc.

    3607 Irwin Ave, Bronx, NY 10463
  • /7

    $375,000 Open Fri 10PM - 11PM

    • 1 Bed
    • 1 Bath

    Unlisted Address

    This 1 BR co-op in Ft. Tryon Gardens will be your cheerful corner of Manhattan, nestled above the ever-changing seasonal glories of Ft. Tryon Park. Your treehouse has a sunny disposition – bright, warm, and welcoming. Hardwood floors provide a sweet caramel canvas for your favorite things, coordinating with the kitchen’s contemporary oak cabinetry. The kitchen features stainless steel appliances

    Matthew Bizzarro Bizzarro Agency LLC

    Unlisted Address
  • /12

    $425,000 Open Sat 11AM - 1PM

    • 2 Beds
    • 1 Bath

    37 Nagle Ave Unit 1C, New York, NY 10040

    Location and livability come together in this two-bedroom residence in scenic Fort George. Upon entering the unit, the remodeled kitchen will be on your right. Mealtimes will be enhanced by custom cabinetry, stainless steel appliances including a French door fridge and gas range, natural stone counters, and pendant globe lights over a waterfall dining counter. A window and recessed overhead

    Matthew Bizzarro Bizzarro Agency LLC

    37 Nagle Ave Unit 1C, New York, NY 10040
  • /15

    $260,000

    • 1 Bed
    • 1 Bath

    5900 Arlington Ave Unit 15E, Bronx, NY 10471

    Spacious 1 bedroom, large living area, dining or office area. Terrace with views of Van Cortlandt Park. Southeast exposure. Open kitchen with breakfast bar. White cabinets, gas stove, refrigerator, dishwasher and microwave. Wood floors, Updated bathroom. Great light. Plenty of closets. Cable and internet $78. Skyview on the Hudson is its own vibrant cooperative community located in

    Linda Lepson Argo Residential

    5900 Arlington Ave Unit 15E, Bronx, NY 10471
  • /11

    $1,100,000

    • 12 Beds
    • 3 Baths

    31 Victor St, Yonkers, NY 10701

    Low maintenance and well maintained legal 3 family building for sale in the heart of Nodine Hill. Excellent investment opportunity for the savvy investor, located near public transportation, shops, and schools. All units are fully renovated and tenants pay for their own utilities (heat, hot water, cooking gas, and electric).

    Eric Bernal Voro LLC

    31 Victor St, Yonkers, NY 10701
  • /15

    $259,000 Open Sat 12PM - 2PM

    • 2 Beds
    • 1 Bath
    • 850 Sq Ft

    3850 Sedgwick Ave Unit 11A, Bronx, NY 10463

    Bright and inviting, Unit 11A at 3850 Sedgwick Avenue is a spacious two-bedroom, one-bath home that offers both comfort now and flexibility for the future. The apartment has been thoughtfully maintained and comes with all appliances included, making the move-in process simple and stress-free.The layout features a generous living and dining area with abundant natural light, a functional

    Steven Padernacht Keller Williams Realty NYC Grp

    3850 Sedgwick Ave Unit 11A, Bronx, NY 10463
  • /20

    $174,900 Open Fri 2PM - 5PM

    • 1 Bath
    • 450 Sq Ft

    5800 Arlington Ave Unit 9P, Bronx, NY 10471

    Wake up to breathtaking views of the Hudson River in this gorgeous studio with 1 bath located at Skyview on the Hudson. Perfect as a starter home, pied-à-terre, or investment opportunity, this home offers everything from luxurious building amenities to stunning vistas throughout. As you enter, you're greeted by expansive windows that flood the space with natural light, revealing charming

    Chintan Trivedi RE/MAX In The City

    5800 Arlington Ave Unit 9P, Bronx, NY 10471
  • /12

    $207,000

    • 2 Beds
    • 1.5 Baths
    • 1,100 Sq Ft

    95 Sedgwick Ave Unit 6F, Yonkers, NY 10705

    Welcome to 95 Sedgwick Ave #6F, a unique top-floor corner co-op apartment featuring 2 bedrooms and 1.5 bathrooms in the charming Lincoln Park neighborhood of Yonkers. This spacious apartment is poised for a new chapter—make it your own! With bright, airy interiors overlooking tree-lined streets, you’ll find generous closet space, large bedrooms, and a separate dining area perfect for hosting.

    Paul Fortuna Houlihan Lawrence Inc.

    95 Sedgwick Ave Unit 6F, Yonkers, NY 10705
  • /6

    $505,000

    • 2 Beds
    • 1 Bath
    • 900 Sq Ft

    245 Bennett Ave Unit 3 B, New York, NY 10040

    Set along a tree-lined stretch of Bennett Avenue, this graceful two-bedroom co-op offers a rare blend of scale and serenity-nestled at the foot of one of Manhattan's most celebrated green spaces, Fort Tryon Park. Bathed in natural light from south and east exposures, the expansive living and dining area is framed by classic hardwood floors and crown moldings, creating a canvas equally

    Lance Gillette Serhant

    245 Bennett Ave Unit 3 B, New York, NY 10040
  • /18

    $315,000

    • 1 Bed
    • 1 Bath
    • 800 Sq Ft

    315 W 232nd St Unit 1F, Bronx, NY 10463

    Beautifully renovated Junior 4 apartment in a well maintained, conveniently located, elevator building with doorman just minutes away from Manhattan and public transportation in Kingsbridge/Riverdale. The large bedroom is uniquely customized with headboard wall and closets. The bonus room has added sliding doors making it easily used as a home office or extra bedroom, fitting a twin bed and

    Tashecca Winstead ERA Insite Realty Services

    315 W 232nd St Unit 1F, Bronx, NY 10463
  • /20

    $550,000

    • 2 Beds
    • 1 Bath
    • 950 Sq Ft

    60 Park Terrace W Unit A20, New York, NY 10034

    IRRESISTIBLE 2 BEDROOM DEAL Enter and immediately feel the superior quality of workmanship in this stunning MINT condition corner 2 bedroom. This home exceeds expectations. Gut renovated, literally from the studs out, with new plaster walls housing new electric and recessed lighting plus beautiful new blond oak herringbone floors in keeping with the original Deco period. All lovingly redone with

    Kelly Cole Compass

    60 Park Terrace W Unit A20, New York, NY 10034
  • /15

    $289,000

    • 1 Bed
    • 1 Bath

    3235 Cambridge Ave Unit 5J, Bronx, NY 10463

    Spacious 1-Bedroom Apartment in the Heart of Riverdale Welcome to your move-in ready home in one of NYC's most sought-after neighborhoods! This beautiful, spacious 1-bedroom apartment is located in the prime Riverdale area and offers an exceptional blend of comfort, style, and convenience. Key Features: Brand new kitchen with abundant cabinet space - perfect for

    Yanbing Li Douglas Elliman Real Estate

    3235 Cambridge Ave Unit 5J, Bronx, NY 10463
  • /28

    $599,900

    • 4 Beds
    • 2 Baths

    320 James St, Teaneck, NJ 07666

    320 James St is priced to sell! A spacious Colonial with approx. 1,766 sq ft, plus a huge finished basement, and an extra bonus room in the walk-up attic. Enjoy 4 finished levels of living space - offering 4 bedrooms, 2 full bathrooms, and eat-in-ktchen w/ granite counters, and a huge 2 car garage (Teaneck allows ADU's). A commuter's delight conveniently located near NYC transit, shopping, parks,

    Eric Wein Wein Agency Real Estate

    320 James St, Teaneck, NJ 07666
  • /15

    $204,900

    • 1 Bed
    • 1.5 Baths

    2185 Lemoine Ave Unit 4E, Fort Lee, NJ 07024

    Welcome to this renovated spacious 1 bedroom with 1.5bathroom pet-friendly Co-op. This bright apartment offers an East facing Terrace, L-shaped Living and Dining space, Updated Modern kitchen with Stainless Steel Appliances, Modern bathrooms, Stylish Light fixture, Abundant closets for storage. Well-maintained Bridge Plaza Co-op in Fort Lee is close to all NYC transportation, downtown shopping

    Jenny Choi Good Neighbor Realty LLC

    2185 Lemoine Ave Unit 4E, Fort Lee, NJ 07024

Showing Results 401 - 440, Page 11 of 18

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