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Homes for Sale near St. Amelia School

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  • /37

    $249,000

    Open Sun 11AM - 12:30PM
    • 3 Beds
    • 1 Bath
    • 1,120 Sq Ft

    148 Deumant Terrace, Buffalo, NY 14223

    Welcome to 148 Deumant Terrace, a charming brick ranch in the highly desirable Town of Tonawanda, conveniently located close to shopping, dining, and parks. Step inside to a welcoming foyer featuring a spacious walk-in coat closet. This well-maintained home offers three bedrooms, a generous living room, a large eat-in kitchen, and the convenience of a central vacuum system. Enjoy your morning

    Ashley Kamrowski Listing by WNY Metro Roberts Realty

    148 Deumant Terrace, Buffalo, NY 14223
  • /20

    $225,000

    $45K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,320 Sq Ft

    168 Callodine Ave, Buffalo, NY 14226

    Spacious single family home located in the desirable Amherst area, within the Sweet Home school district. This property offers generous living space, a functional layout, and great potential for both owner occupants and investors. Conveniently located near shopping, restaurants, schools, and major highways, providing easy access to all Amherst has to offer. Strong opportunity to personalize or

    Crystal Moye Listing by HUNT Real Estate Corporation

    168 Callodine Ave, Buffalo, NY 14226
  • /29

    $119,900

    • 3 Beds
    • 1.5 Baths
    • 1,401 Sq Ft

    934 Kensington Ave, Buffalo, NY 14215

    Great opportunity at 934 Kensington Ave! This 3-bedroom, 1.5-bath home offers strong potential for both investors and owner-occupants looking to build equity. The property features a functional layout with spacious living areas and solid bones, ready for your personal touch or updates. One key highlight is the shared driveway with the neighboring property at 930 Kensington Ave, making this an

    Fuzayel Ahmed Listing by HUNT Real Estate Corporation

    934 Kensington Ave, Buffalo, NY 14215
  • /35

    $294,900

    • 3 Beds
    • 1 Bath
    • 1,376 Sq Ft

    24 Delwood Rd, Buffalo, NY 14217

    Welcome Home! Nestled on one of the Village of Kenmore’s charming tree-lined streets, 24 Delwood Road is a beautifully maintained Colonial that perfectly blends classic character with modern updates. Step inside to discover warm natural woodwork, gleaming hardwood floors, and an abundance of natural light that fills every room. The inviting living room features beautiful built-in bookcases, while

    Jennifer Marrano Listing by Realty WG

    24 Delwood Rd, Buffalo, NY 14217
  • /23

    $139,900

    • 5 Beds
    • 2 Baths
    • 1,540 Sq Ft

    303 Skillen St, Buffalo, NY 14207

    Welcome to 303 Skillen Street, a well-maintained 3/2 double located in the Riverside neighborhood of the City of Buffalo. This multi-unit property offers one full bathroom per unit and a functional layout ideal for both owner occupancy or investment. The property features vinyl flooring throughout, a full basement, and solid mechanics, providing durability and low-maintenance ownership. The units

    Emmanuel Williams Listing by WNY Metro Roberts Realty

    303 Skillen St, Buffalo, NY 14207
  • /50

    $299,000

    • 3 Beds
    • 2 Baths
    • 1,120 Sq Ft

    200 Margaret Rd, Buffalo, NY 14226

    Welcome to 200 Margaret Road in Amherst! Built in 1960, this beautifully maintained 1,120 sq. ft. brick-front ranch offers the perfect combination of comfort, space, and convenience in the highly desirable Sweet Home School District. The main level features 3 spacious bedrooms, gleaming hardwood floors throughout, a large living room, formal dining room, an eat-in kitchen with abundant cabinet

    Robert Altman Listing by WNY Metro Roberts Realty

    200 Margaret Rd, Buffalo, NY 14226
  • /9

    $163,000

    $14K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,804 Sq Ft

    64 Wyandotte Ave, Buffalo, NY 14207

    Investor Opportunity: 64 Wyandotte Avenue, Buffalo, NY 14207, this turnkey 2-family duplex in the established Riverside neighborhood offers immediate cash flow and strong value-add potential.The property features 1,804 sq ft across two units with a total of 4 bedrooms and 2 bathrooms on a 0.15-acre lot. Built in 1922, it has the classic solid construction common in Buffalo’s West Side — perfect

    Alan Findlay Listing by Blue Eagle Realty Corp.

    64 Wyandotte Ave, Buffalo, NY 14207
  • /17

    $219,900

    • 6 Beds
    • 2 Baths
    • 1,737 Sq Ft

    77 Meech Ave, Buffalo, NY 14208

    Attention all investors! 6 bedroom 2.5 bath single family property. Tenants leases were up June 1. This property rented for $2500 a month! Just steps away from Canisius College makes it the ideal rental property! Updates include: furnace 2017, roof 2017 full tear off, updated 150 amp service 2017, new bathroom 2024. Some new appliances 2025. Showings begin immediately! Open house Saturday

    Kelly Limina Listing by HUNT Real Estate ERA

    77 Meech Ave, Buffalo, NY 14208
  • /41

    $284,900

    Open Sun 1PM - 3PM
    • 3 Beds
    • 1.5 Baths
    • 1,638 Sq Ft

    2454 Eggert Rd, Tonawanda, NY 14150

    Welcome to 2454 Eggert Rd!! This stately Brick & Vinyl Cape offers 1638 sq ft of living space with 3 bds & 1.5 baths. Eat-in kitchen, formal dining room and an extra large living room with a gas fireplace. Beautiful hardwood floors throughout. 1st floor laundry. Basement offers plent of storage & a huge rec room with additional living space and a stone gas fireplace & bar area. The yard offers

    Kathleen Brotz Listing by WNY Metro Roberts Realty

    2454 Eggert Rd, Tonawanda, NY 14150
  • /46

    $340,000

    Open Sat 11AM - 1PM $10K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 1,989 Sq Ft

    211 Brookside Terrace, Tonawanda, NY 14150

    Welcome to 211 Brookside Terrace, a well-maintained and spacious home tucked away on a quiet Tonawanda neighborhood street. Offering a flexible floor plan, generous living spaces, and numerous updates throughout, this home is ready for its next chapter. Step inside to a welcoming foyer that opens to a bright living room and formal dining room, highlighted by beautiful floors, decorative moldings,

    Joel HusVar Listing by eXp Realty

    211 Brookside Terrace, Tonawanda, NY 14150
  • /50

    $369,900

    • 5 Beds
    • 2 Baths
    • 2,400 Sq Ft

    784 Amherst St, Buffalo, NY 14216

    784 Amherst Street, North Buffalo. OPEN HOUSE Sunday, June 19, 2026, 1:00-3:00 pm. Beautifully updated and thoughtfully restored North Buffalo double circa 1920. Wide, fenced yard, updated roof, white vinyl exterior and a big 2.5 car garage. Bright, updated second floor owner's unit with great living spaces, formal dining room opens to a den. Newer kitchen loaded with cabinets and counter space,

    Matt Quagliano BUFFALO HOME SELLERS LLC

    784 Amherst St, Buffalo, NY 14216
  • /50

    $615,000

    $10K PRICE DROP
    • 5 Beds
    • 2.5 Baths
    • 2,665 Sq Ft

    40 Jewett Pkwy, Buffalo, NY 14214

    Sellers will consider offers between $615,000 and $625,000 and higher. Located in the heart of Buffalo’s coveted Parkside neighborhood, and just steps away from Frank Lloyd Wright's Martin House, 40 Jewett Parkway blends timeless architectural character with many modern updates across three full floors of living space. A grand living room with fireplace opens through glass doors to a large front

    Warren Teall Listing by HUNT Real Estate Corporation

    40 Jewett Pkwy, Buffalo, NY 14214
  • /29

    $174,999

    $50K PRICE DROP
    • 6 Beds
    • 4 Baths
    • 4,003 Sq Ft

    122 Austin St, Buffalo, NY 14207

    Being sold as is. Motivated seller. Excellent opportunity to own a 4 unit property offering strong income potential, flexible living options, and future upside for both investors and owner occupants alike. Whether you are looking to expand your portfolio or begin your investment journey by taking advantage of a rare house hacking opportunity, this property checks all the boxes. Three vacant

    Ryan Dill Listing by 716 Realty Group WNY LLC

    122 Austin St, Buffalo, NY 14207
  • /49

    $299,500

    • 6 Beds
    • 2 Baths
    • 2,499 Sq Ft

    22 Briggs Ave, Buffalo, NY 14207

    This home has been lovingly cared for and owned by the same family for more than 50 years. Fresh paint throughout the home. Both floors have been updated including new flooring on the first floor. New baths in both units. New Kitchens in both units. Gas hook ups. Two newer hot water tanks about 1.5 years. Updated electrical with GFCI's at water sources. New total tear off roof about a year old.

    Suzanne Chaskes Listing by Howard Hanna WNY Inc.

    22 Briggs Ave, Buffalo, NY 14207
  • /18

    $199,999

    • 3 Beds
    • 1 Bath
    • 1,382 Sq Ft

    277 Kinsey Ave, Buffalo, NY 14217

    Well maintained cape with 2 bedrooms and full bath on the first floor could live like a 2 bedroom ranch. The second floor offers a large 3rd bedroom with decent ceiling height. There are hardwood floors in the living room and first floor bedrooms. The windows are vinyl replacement windows. The stove, refrigerator, washer and dryer are included for the buyer's convenience. There is a built in

    Marcie Schnittker Listing by MJ Peterson Real Estate Inc.

    277 Kinsey Ave, Buffalo, NY 14217
  • /3

    $119,900

    • 3 Beds
    • 1 Bath
    • 1,401 Sq Ft

    930 Kensington Ave, Buffalo, NY 14215

    Welcome to 930 Kensington Ave, Buffalo, NY 14215—a solid 3-bedroom, 1-bath home offering a great opportunity for investors. This property features a functional layout with spacious living areas, making it easy to update and add value over time. Whether you're looking to expand your rental portfolio or move in and make it your own, this home has strong potential. One standout feature is the shared

    Fuzayel Ahmed Listing by HUNT Real Estate Corporation

    930 Kensington Ave, Buffalo, NY 14215
  • /42

    $599,000

    • 3 Beds
    • 3 Baths
    • 2,152 Sq Ft

    182 Castlebrooke Ln, Williamsville, NY 14221

    A rare opportunity to own one of only twelve luxury condominiums in the prestigious Castlebrooke community overlooking Park Country Club. This 3 bedroom, 3 bath residence offers maintenance free living with sweeping golf course views, beautifully landscaped grounds, and a heated saltwater pool. The main level features premium flooring, custom interior doors, elegant 6 inch moldings, statement

    Enas Latif Listing by HUNT Real Estate Corporation

    182 Castlebrooke Ln, Williamsville, NY 14221
  • /48

    $200,000

    $25K PRICE DROP
    • 8 Beds
    • 3.5 Baths
    • 3,416 Sq Ft

    2143 Niagara St, Buffalo, NY 14207

    Value-add investment opportunity on Niagara Street! This unique property features two residential buildings plus a detached garage, offering strong cash flow potential for investors or owner-occupants. The front single-family home is a spacious 5-bedroom, 1.5-bath colonial with a functional layout including a living room, dining room, and kitchen, plus a first-floor bedroom and four additional

    David Coric Listing by Keller Williams Realty Lancaster

    2143 Niagara St, Buffalo, NY 14207
  • /48

    $219,900

    • 4 Beds
    • 2 Baths
    • 2,004 Sq Ft

    565 Military Rd, Buffalo, NY 14207

    Welcome to 565 Military Road, a spacious upper/lower double located in a desirable Buffalo neighborhood. Each unit offers 2 bedrooms and 2 bathrooms, providing comfortable layouts with plenty of living space. This property is a great opportunity for investors looking to add a solid income-producing asset to their portfolio or for an owner occupant who can live in one unit while renting the other

    John Majewski Listing by HUNT Real Estate Corporation

    565 Military Rd, Buffalo, NY 14207
  • /2

    $34,500

    • Land
    • 3,301 Sq Ft
    • $455,145 per Acre

    133 Thompson St, Buffalo, NY 14207

    Amazing Development Opportunity in Buffalo’s Historic Black Rock Neighborhood! Bring your architectural blueprints or investment plans to this prime residential vacant lot located at 133 Thompson Street. Situated on a quiet, established street on Buffalo's vibrant West Side, this rectangular, flat parcel offers the perfect canvas for a custom single-family home or a multi-family build. This lot

    Mary Valle Listing by Century 21 North East

    133 Thompson St, Buffalo, NY 14207
  • /27

    $205,000

    New Construction
    • 3 Beds
    • 1.5 Baths
    • 1,365 Sq Ft

    256 Hewitt Ave, Buffalo, NY 14215

    This newly constructed home features 3 bedrooms, 1.5 baths, and brand-new appliances—perfect for first-time buyers or those continuing their homeownership journey. Thoughtfully designed for modern living, the home offers comfort, efficiency, and a functional two-story layout. Located on a neighborhood street with convenient access to public transportation, this property provides both

    Yvonne Bailey Listing by City of Buffalo

    256 Hewitt Ave, Buffalo, NY 14215
  • /5

    $12,000

    • Land
    • 4,621 Sq Ft
    • $113,101 per Acre

    10 Palos Place, Buffalo, NY 14215

    10 Palos Pl is a vacant residential lot in the City of Buffalo zoned N-3R. This property offers an excellent opportunity for new construction or long term investment. Zoning allows for single or two family residential use based on buyer plans and approvals. Conveniently located near local amenities, shopping, and major roadways.

    Dalton Reynolds Listing by Keller Williams Realty WNY

    10 Palos Place, Buffalo, NY 14215
  • /28

    $149,900

    • 6 Beds
    • 2 Baths
    • 1,760 Sq Ft

    15 Sunset St, Buffalo, NY 14207

    Well cared for 2-unit home, each unit boast three bedrooms one full bath. The units also have large eat-in kitchens and a spacious living room.

    Patrick Stanchak Listing by MJ Peterson Real Estate Inc.

    15 Sunset St, Buffalo, NY 14207
  • /24

    $449,900

    Open Sun 1PM - 3PM
    • 3 Beds
    • 1.5 Baths
    • 2,048 Sq Ft

    505 Brantwood Rd, Buffalo, NY 14226

    Welcome to this beautifully maintained 3 bedroom, 1.5 bath home in the highly-sought Snyder area of Amherst. The main level features beautiful hardwood floors, a spacious living room with a wood burning fireplace-providing plenty of space for everyday living as well as entertaining. This room leads to the family room with a comfortable feel and yet another gas burning fireplace on those cozy

    Nancy Caruana Listing by HUNT Real Estate Corporation

    505 Brantwood Rd, Buffalo, NY 14226
  • /50

    $300,000

    • 6 Beds
    • 2 Baths
    • 2,898 Sq Ft

    81 Hughes Ave, Buffalo, NY 14208

    Welcome to 81 Hughes Avenue in Buffalo! This well-maintained duplex features two spacious 3-bedroom apartments, both currently tenant occupied on month-to-month leases, providing immediate rental income and future flexibility. The roof was replaced approximately two years ago, offering added peace of mind. Beautiful natural woodwork throughout adds warmth and character, while the generous room

    Elizabeth Bauch Listing by WNY Metro Roberts Realty

    81 Hughes Ave, Buffalo, NY 14208
  • /43

    $259,999

    • 4 Beds
    • 1 Bath
    • 1,248 Sq Ft

    31 Wendover Ave, Buffalo, NY 14223

    Lovingly maintained by a long-term owner, this bright and inviting Cape Cod Style, 4-bedroom home is ready for its next chapter. The kitchen welcomes the morning sunshine through the window that overlooks the large rear yard. The refrigerator and gas stove will remain for the new owner. Adjacent to the kitchen, the dining area features chair-rail molding and a large picture window that fills the

    Donna Roll Listing by Howard Hanna WNY Inc.

    31 Wendover Ave, Buffalo, NY 14223
  • /18

    $149,900

    $30K PRICE DROP
    • 3 Beds
    • 1 Bath
    • 1,380 Sq Ft

    114 Newfield St, Buffalo, NY 14207

    Welcome to 114 Newfield Street in the City of Buffalo! This 3-bedroom, 1 full bath single-family home offers a great opportunity for both owner-occupants and investors. The property features low-maintenance vinyl siding, solid mechanicals, a full basement, and an attic providing additional storage or potential space. Currently tenant-occupied at $1,085 per month, offering immediate income

    Emmanuel Williams Listing by WNY Metro Roberts Realty

    114 Newfield St, Buffalo, NY 14207
  • /42

    $279,500

    • 6 Beds
    • 2 Baths
    • 2,604 Sq Ft

    39 Hughes Ave, Buffalo, NY 14208

    Opportunities like this one don't come along often! This prime 3/3 double is not only across the street from Canisius University, it's also in the Hamlin Park Historic Preservation District. Both units have natural woodwork, hardwood floors, updated kitchens and appliances. The driveway and 2 car garage offer plenty of off street parking. IYKYK why THIS is important. The full attic and basement

    Ellen Leader Listing by Keller Williams Realty

    39 Hughes Ave, Buffalo, NY 14208
  • /24

    $175,000

    • 5 Beds
    • 2 Baths
    • 2,112 Sq Ft

    608 Wyoming Ave, Buffalo, NY 14215

    Opportunity awaits with this versatile 2-family home that can easily live like a single-family residence or serve as a fantastic investment property. Major updates provide peace of mind, including a new roof in 2024, two new furnaces installed in 2026, and several updated windows. The lower unit features 3 bedrooms along with spacious living and dining rooms highlighted by beautiful hardwood

    Susan Matheis Listing by HUNT Real Estate Corporation

    608 Wyoming Ave, Buffalo, NY 14215
  • /27

    $294,900

    $5K PRICE DROP
    • 3 Beds
    • 1.5 Baths
    • 1,458 Sq Ft

    196 Glencove Rd, Buffalo, NY 14223

    Welcome home to this spacious and well-maintained 3-bedroom, 1.5-bath home in the Town of Tonawanda! Offering plenty of room to live and entertain, this charming property features a bright kitchen and breakfast room with new floor overlooking den/family room, formal dining room, and a screened three-season room perfect for enjoying the outdoors in comfort. Step outside to the fully fenced,

    Kelly Limina Listing by HUNT Real Estate ERA

    196 Glencove Rd, Buffalo, NY 14223
  • /49

    $250,000

    Open Sat 1PM - 3PM
    • 3 Beds
    • 1.5 Baths
    • 1,137 Sq Ft

    135 Tremaine Ave, Buffalo, NY 14217

    PRIME LOCATION! Move right into this well-maintained, 3-bedroom, 1.5-bath home in the heart of the Village of Kenmore.Ideally located just minutes from shops, restaurants, parks, and all the conveniences the village has to offer. Welcome guests through the inviting sunroom, then step inside to a freshly painted interior featuring gleaming hardwood floors and a comfortable living/dining room

    Barbara Hoddick Listing by HUNT Real Estate Corporation

    135 Tremaine Ave, Buffalo, NY 14217
  • /23

    $329,900

    Open Sat 11AM - 1PM
    • 3 Beds
    • 1.5 Baths
    • 1,487 Sq Ft

    329 Summit Blvd, North Tonawanda, NY 14120

    This charming 3 bedroom, 1.5 bath North Tonawanda Colonial is ready to welcome you home! Freshly painted with brand new carpeting on the stairs and entire 2nd floor, this home is truly move in ready. Recent mechanical updates including the roof (2022), furnace & central AC (2019), and water heater (2026), giving you peace of mind for years to come. The spacious eat in kitchen flows seamlessly

    Michael Trunzo Listing by HUNT Real Estate Corporation

    329 Summit Blvd, North Tonawanda, NY 14120
  • /30

    $165,000

    • 3 Beds
    • 1 Bath
    • 1,050 Sq Ft

    702 Norfolk Ave, Buffalo, NY 14215

    Ideally situated in a prime Buffalo location just minutes from the 33 Expressway, this beautifully fully rehabbed three-bedroom, one-bath home is truly move-in ready. Step inside to find fresh contemporary finishes throughout, including new luxury vinyl plank flooring, carpeting leading-to and on the second floor, updated LED lighting, and a stylishly refreshed kitchen with soft-close cabinets

    Andrew Scott Listing by eXp Realty

    702 Norfolk Ave, Buffalo, NY 14215
  • /13

    $235,000

    $10K PRICE DROP
    • 4 Beds
    • 2 Baths
    • 1,289 Sq Ft

    158 Merrimac St, Buffalo, NY 14214

    Spacious 4 bedroom, 2 bathroom single family home located in the desirable University Heights area of Buffalo. This property offers generous living space with large bedrooms, a functional layout, and great potential for both owner occupants and investors. Conveniently located near schools, shopping, public transportation, and major roadways. Strong rental demand in the area makes this a great

    Crystal Moye Listing by HUNT Real Estate Corporation

    158 Merrimac St, Buffalo, NY 14214
  • /2

    $104,900

    • 5 Beds
    • 2 Baths
    • 2,138 Sq Ft

    2467 Niagara St, Buffalo, NY 14207

    This home is being sold As-Is and cash only. The home is filled with debris that the buyer will have to remove. Use caution when entering and walking through the property. Listing agent will open the first floor apt only for the first showing. All information is considered reliable but not guaranteed.Buyer will sign and submit the Hold Harmless agreement to the listing agent before any

    Cynthia Adams Listing by WNY Metro Roberts Realty

    2467 Niagara St, Buffalo, NY 14207
  • /20

    $180,000

    • 4 Beds
    • 1 Bath
    • 1,368 Sq Ft

    102 Cloverdale Ave, Buffalo, NY 14215

    102 Cloverdale Avenue is a move-in ready Cape Cod offering over 1,300 square feet with 4 bedrooms and 1 full bath. The first floor features 2 bedrooms, the full bath, a large living room with an adjoiningsunroom, a formal dining room, and an updated kitchen with all appliances included. Recent updates include fresh paint, luxury vinyl flooring throughout, recessed lighting, and modern

    Nicole Furtak Listing by Howard Hanna WNY Inc.

    102 Cloverdale Ave, Buffalo, NY 14215
  • /37

    $195,000

    $105K PRICE DROP
    • 6 Beds
    • 2 Baths
    • 1,720 Sq Ft

    68 Arthur St, Buffalo, NY 14207

    Spacious two-unit property (upper and lower) with detached two-car garage located in Buffalo's Riverside neighborhood. A newer white fence partially encloses the dwelling and double lot. Each unit features an eat-in kitchen, 3 bedrooms, dining room, living room, small pantry, and 1 full bath. The sale comprises two separate parcels and includes 68 Arthur, a 60-foot-wide x 83-foot-deep lot with a

    Rebecca Ciarrocca Listing by Murchie Real Estate, LLC

    68 Arthur St, Buffalo, NY 14207
  • /47

    $179,000

    $11K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 936 Sq Ft

    142 Esser Ave, Buffalo, NY 14207

    Welcome to 142 Esser Street in Riverside! This charming corner-lot home offers 3 bedrooms, 2 bathrooms, and great indoor and outdoor living. Features include an eat-in kitchen with built-ins, updated windows, some original hardwood floors, a basement rec room with knotty pine and dry bar, vinyl siding, porch, 1.5-car garage and a fully fenced yard.

    Christina Hyna Listing by WNY Metro Roberts Realty

    142 Esser Ave, Buffalo, NY 14207
  • /42

    $209,900

    • 3 Beds
    • 1 Bath
    • 1,176 Sq Ft

    71 Carmen Rd, Buffalo, NY 14226

    Opportunity awaits at this solid brick ranch in the highly desirable Amherst neighborhood! Situated on a spacious lot, this 3-bedroom, 1-bath home has 1,176 square feet of living space, an attached garage, a full basement with additional living space potential, and a wood-burning fireplace. The property features a functional layout, forced-air heating, and central air conditioning.This home

    Dexter Chow-Yuk Listing by HUNT Real Estate Corporation

    71 Carmen Rd, Buffalo, NY 14226
  • /17

    $148,900

    • 3 Beds
    • 1.5 Baths
    • 809 Sq Ft

    661 Minnesota Ave, Buffalo, NY 14215

    Welcome to 661 Minnesota Avenue, a well-maintained single-family home located in the desirable University District of the City of Buffalo. This property offers 3 bedrooms and 1.5 bathrooms, providing a comfortable and functional layout ideal for a variety of buyers. Features include hardwood floors, a full basement, a partial attic for storage, and a two-car garage for convenient off-street

    Emmanuel Williams Listing by WNY Metro Roberts Realty

    661 Minnesota Ave, Buffalo, NY 14215

Showing Results 81 - 120, Page 3 of 14

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