1,500

Homes for Sale near Greenburgh Academy

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  • /23

    $449,000

    • 2 Beds
    • 2 Baths
    • 1,255 Sq Ft

    3720 Independence Ave Unit 5F, Bronx, NY 10463

    SPONSOR SALE – NO BOARD APPROVAL REQUIRED Beautiful Two-Bedroom, Two-Bath Residence with Private Balcony Move right into this spacious sponsor residence offering a streamlined purchase process with no board approval required. Purchase with just 20% down, with up to 80% financing available. Monthly maintenance is $1,678.05 This well-appointed two-bedroom, two-bath home features a thoughtfully

    Annette Gould Gould Properties & Management

    3720 Independence Ave Unit 5F, Bronx, NY 10463
  • /16

    $279,000

    • 1 Bed
    • 1 Bath
    • 773 Sq Ft

    3017 Riverdale Ave Unit 5J, Bronx, NY 10463

    1-Bedroom Sponsor Unit – No Board Approval RequiredMove right into this beautiful one-bedroom, one-bath pre-war residence offering bright, spacious living and classic charm. This sponsor sale provides a streamlined purchasing process with no board approval required and only 10% down.A standout feature of the apartment is the spacious eat-in kitchen, offering plenty of room for a

    Annette Gould Gould Properties & Management

    3017 Riverdale Ave Unit 5J, Bronx, NY 10463
  • /26

    $699,900

    • 5 Beds
    • 3.5 Baths
    • 3,315 Sq Ft

    85 Del Rey Dr, Mount Vernon, NY 10552

    Spacious 3,200 sq. ft. brick ranch with a classic slate roof, offering 5 bedrooms and 3.5 bathrooms. The first floor features 3 bedrooms, including a primary suite with a walk-in closet and private bath. The main level also includes a dedicated home office, generous closet storage throughout, an enclosed sunroom, a large living room with a fireplace, and a family room with a second fireplace. A

    Gene Shklover AG Prime Realty

    85 Del Rey Dr, Mount Vernon, NY 10552
  • /21

    $750,000

    • 5 Beds
    • 2 Baths

    127 N 5th Ave, Mount Vernon, NY 10550

    Seller is open to seller finance. Discover this well-maintained multi-family property located in the heart of Downtown Mount Vernon, offering unmatched convenience, strong rental potential, and multiple income-producing possibilities. With an updated exterior, solid structure, and an unbeatable location, this home is perfect for investors or owner-occupants looking to generate passive income with

    Christopher DiTullio eXp Realty

    127 N 5th Ave, Mount Vernon, NY 10550
  • /23

    $789,000

    • 3 Beds
    • 2 Baths
    • 1,744 Sq Ft

    72 Dalton Rd, Yonkers, NY 10701

    Classic Colonial architecture meets comfortable modern living in this distinctive three-bedroom, two-full-bath home. The home pairs the gracious scale and architectural details of an earlier era with thoughtful updates for modern living.Step inside to interiors filled with abundant natural light throughout, complemented by high ceilings, hardwood floors, original stained-glass accents and

    Philip Simonetti Redfin Real Estate

    72 Dalton Rd, Yonkers, NY 10701
  • /16

    $360,000

    $15K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,200 Sq Ft

    2711 Henry Hudson Pkwy Unit 6D, Bronx, NY 10463

    This expansive two-bedroom, two-bath convertible three-bedroom apartment with a terrace boasts a 31-foot living room that can allow for multiple seating areas and activities. Sunlight pours into the living room thanks to its west-facing windows. Natural light pours into the dining area from its south- and west-facing windows, and this space can double as a third bedroom if needed. Creating

    Gilbert Perez Gilbert Perez

    2711 Henry Hudson Pkwy Unit 6D, Bronx, NY 10463
  • /43

    $2,348,000

    $140K PRICE DROP
    • 4 Beds
    • 6 Baths

    114 Bellaire Dr, Demarest, NJ 07627

    Exceptional 4BR, 4 full & 2 half bath townhome in the sought-after Bellaire Townhomes community overlooking Alpine Country Club. Enter through a dramatic 2-story foyer into an open-concept main level featuring a custom gas fireplace and access to a private patio with golf course views. The eat-in kitchen offers stainless steel appliances, center island, and separate dining area. French doors lead

    Josh Baris Coldwell Banker, Fort Lee

    114 Bellaire Dr, Demarest, NJ 07627
  • /24

    $902,000

    Open Sun 11AM - 2PM
    • 3 Beds
    • 2 Baths

    22 Elm St, Tenafly, NJ 07670

    Welcome home to the heart of Tenafly! From the moment you step through the beautiful entrance, you'll love the bright, updated living and dining spaces. The upper-level features three bedrooms and a full bath, while the fully finished basement provides the ultimate bonus space, complete with an entertainment room, full bath, and dedicated laundry room. Step outside to find a long driveway with an

    GENA MILLER WEICHERT RLTRS TEN-CRESKL

    22 Elm St, Tenafly, NJ 07670
  • /48

    $699,999

    • 5 Beds
    • 3 Baths
    • 1,800 Sq Ft

    15 Stewart Place, Yonkers, NY 10701

    Welcome to 15 Stewart Place, a beautifully renovated two-family home in Yonkers offering an excellent opportunity for both owner-occupants and investors. This multifamily property is being delivered VACANT, giving the new owner the flexibility to occupy, rent, or position both units immediately after closing.The home has undergone extensive renovations, creating updated living spaces

    Shahroz Syed Voro LLC

    15 Stewart Place, Yonkers, NY 10701
  • /25

    $924,900

    • 3 Beds
    • 2.5 Baths
    • 1,305 Sq Ft

    4971 Henry Hudson Pkwy W Unit 4971, Bronx, NY 10471

    Rarely Available 3BR Duplex Townhouse Condo short distance from Wave Hill!Welcome home to this stunning, multi-level 3-bedroom, 2.5-bathroom duplex townhouse tucked away in Riverdale’s coveted Spaulding Estates. Spanning over 1,300 square feet, this unique home offers the perfect balance of suburban space and easy condo living. The main level greets you with a welcoming foyer, a modern powder

    Luis Reinoso Gil RE/MAX In The City

    4971 Henry Hudson Pkwy W Unit 4971, Bronx, NY 10471
  • /28

    $774,900

    New Construction
    • 3 Beds
    • 4 Baths
    • 2,000 Sq Ft

    65 W 2nd St Unit 6, Mount Vernon, NY 10550

    Discover luxury living in this brand-new townhouse, part of an exclusive 8-unit complex in Mount Vernon. This exceptional 3-bedroom, 4-bathroom home perfectly blends modern sophistication with urban convenience The Open-Concept Living with its Grand foyer leads to sun-drenched living and dining spaces with high ceilings and premium hardwood floors a stuning Chef’s Kitchen with Gourmet culinary

    Chintan Trivedi RE/MAX In The City

    65 W 2nd St Unit 6, Mount Vernon, NY 10550
  • /40

    $899,000

    • 6 Beds
    • 4 Baths
    • 2,560 Sq Ft

    1196 Saw Mill River Rd, Yonkers, NY 10710

    Investment opportunity in the Homefield section of Yonkers! Tucked away on a quiet dead-end street, this spacious two-family home offers 6 bedrooms, 2 full and 2 half bathrooms across two units, with the first and second floors featuring identical layouts. A finished basement and an attached 2-car garage add even more space and value. Each unit has its own side porch — one for the first floor and

    Michael Martell eXp Realty

    1196 Saw Mill River Rd, Yonkers, NY 10710
  • /20

    $145,000

    $5K PRICE DROP
    • 1 Bed
    • 1 Bath
    • 900 Sq Ft

    101 Highland Ave Unit 4R, Yonkers, NY 10705

    Welcome to 101 Highland Avenue, a newly renovated 1-bedroom co-op offering comfort, convenience, and value in the heart of Yonkers. This inviting home features a spacious layout, natural light, and plenty of storage throughout. The building offers a large community room perfect for gatherings and events, additional storage space, and a peaceful outdoor sitting area in the rear of the property

    Erika King YourHomeSold Guaranteed Realty

    101 Highland Ave Unit 4R, Yonkers, NY 10705
  • /18

    $170,000

    $15K PRICE DROP
    • 1 Bed
    • 1 Bath
    • 950 Sq Ft

    101 Ellwood Ave Unit 1C, Mount Vernon, NY 10552

    A bright, garden-level one-bedroom unit in a cooperative building featuring a spacious living room, a dedicated dining area, and a versatile bonus room perfect for a home office or formal dining. The large bedroom offers ample space and is complemented by an updated bathroom and generous closet space throughout.Residents enjoy beautifully maintained grounds, an inviting lobby, and

    James Garcia Coldwell Banker Realty

    101 Ellwood Ave Unit 1C, Mount Vernon, NY 10552
  • /15

    $220,000

    • 1 Bed
    • 1 Bath
    • 750 Sq Ft

    5700 Arlington Ave Unit 22A, Bronx, NY 10471

    Open House by appointment only! Step into a world of possibilities at 5700 Arlington Avenue, Unit 22A, nestled high in the vibrant and welcoming community of Riverdale. This charming coop on the 22nd floor beckons you with open potential and dazzling natural light from all directions. With stunning views of the park, river, and quaint rooftops beneath a vast sky, this home offers an unparalleled

    Maria-Stella Fountoulakis Brown Harris Stevens Riverdale LLC

    5700 Arlington Ave Unit 22A, Bronx, NY 10471
  • /21

    $142,500

    • 1 Bed
    • 1 Bath
    • 625 Sq Ft

    663 Locust St Unit 5D, Mount Vernon, NY 10552

    Turn-key luxury meets effortless city living in Mount Vernon's coveted Fleetwood neighborhood — just a short stroll to Metro-North for a sub-30-minute ride into Manhattan. This sun-drenched, fully renovated 1-bedroom, 1-bath co-op offers a sleek, low-maintenance retreat w/ a beautifully updated kitchen featuring premium quartz countertops & stainless steel appliances, custom modular closets

    Christina DiMinno Julia B Fee Sothebys Int. Rlty

    663 Locust St Unit 5D, Mount Vernon, NY 10552
  • /34

    $1,199,000

    $100K PRICE DROP
    • 4 Beds
    • 2.5 Baths
    • 2,881 Sq Ft

    6 Inwood Place, New Rochelle, NY 10801

    Welcome to your own private retreat in Glenwood Lake, featuring a rare built-in pizza oven in the dining room—a true centerpiece for unforgettable hosting and everyday warmth. Tucked away on a quiet dead-end street, this 4-bedroom, 2.5-bath Colonial (built in 2005) offers a bright, open layout filled with natural light. The updated kitchen with granite counters, stainless steel appliances, and a

    Arya Rabinovits eRealty Advisors, Inc

    6 Inwood Place, New Rochelle, NY 10801
  • /49

    $2,599,000

    • 5 Beds
    • 3 Baths

    45 Oxford Dr, Tenafly, NJ 07670

    Rare opportunity on one of Tenafly’s most beautiful East Hill streets! Set on a quiet cul-de-sac, this beautifully renovated bi-level sits on a spectacular, flat one-acre property offering exceptional privacy and endless possibilities. Enjoy the home as-is or expand to create your dream estate, with plenty of room for a pool, tennis court and incredible outdoor entertaining. The main level

    Orly Chen RE/MAX Properties Plus

    45 Oxford Dr, Tenafly, NJ 07670
  • /19

    $272,500

    • 3 Beds
    • 1 Bath
    • 750 Sq Ft

    5800 Arlington Ave Unit 7-L, Bronx, NY 10471

    Apt. 7L is a move in ready, freshly painted, one bedroom apt. with a beautiful river view. There is a lovely windowed, open, renovated kitchen with granite countertops and the apt. has spacious closets and generous storage space. The private, West facing terrace, allows you to experience serenity and enjoy the light streaming in and beautiful sunsets.Skyview is indeed a full service building

    Esther Zimet EZ Premier Realty LLC

    5800 Arlington Ave Unit 7-L, Bronx, NY 10471
  • /52

    $3,750,000

    $150K PRICE DROP
    • 9 Beds
    • 4.5 Baths

    555 W 252nd St, Bronx, NY 10471

    Exclusive Newly Listed Classic & Stately 9-Bd. Mansion + Guest House on Spacious Double-Lot with Patios, Pool & Large, Level Grassy Yard This classic, spacious and exceptional 9-bedroom, 4.5-bath, 7,000+ square-foot, brick home is set on a double lot totaling approximately 0.55 acres. In addition to the Main House, it has a separate Carriage House with a guest unit. The lushly landscaped grounds

    Arlene Trebach TREBACH REALTY INC

    555 W 252nd St, Bronx, NY 10471
  • /33

    $5,900,000

    • 8 Beds
    • 6.5 Baths
    • 10,100 Sq Ft

    5020 Grosvenor Ave Unit 1, Bronx, NY 10471

    Nestled in the heart of The Bronx, New York, this stunning property located at 5020 Grosvenor Ave was built in 2015 and boasts a luxurious and modern single-family home design. With a total of 6 bathrooms and 1 half bathroom, this property offers ample space and convenience for any family. The finished area of the home spans an impressive 10,100 square feet, providing plenty of room for

    Mark Karten KARTEN REAL ESTATE SERVICES LLC

    5020 Grosvenor Ave Unit 1, Bronx, NY 10471
  • /17

    $360,000

    $10K PRICE DROP
    • 1 Bed
    • 1 Bath
    • 750 Sq Ft

    5800 Arlington Ave Unit 20L, Bronx, NY 10471

    Welcome to luxurious living at 5800 Arlington Ave, Bronx, NY! This beautifully updated 1-bedroom, 1-bathroom co-op spans 750 square feet, offering stunning style and comfort in a highrise setting. Step inside to find gleaming hardwood floors and recessed lighting throughout, creating a warm and inviting atmosphere. The renovated kitchen is a highlight, featuring stainless steel appliances,

    Cornelius Davis Compass

    5800 Arlington Ave Unit 20L, Bronx, NY 10471
  • /10

    $950,000

    • 5 Beds
    • 3 Baths
    • 3,567 Sq Ft

    3930 Amundson Ave, Bronx, NY 10466

    Serge Alexander

    3930 Amundson Ave, Bronx, NY 10466
  • /36

    $2,488,000

    $11K PRICE DROP
    • 5 Beds
    • 7 Baths

    337 Franklin St, Haworth, NJ 07641

    Step into this breathtaking, fully renovated over 7000 square foot master piece designed for effortless living and grand entertaining. Situated in an highly sought-after location. Every detail has been meticulously curated, featuring stunning new designer fixtures, custom finishes and brilliant natural light throughout the expansive open- concept floor plan. The heart of the home is a chef's

    Becky Yoo Hyst Realty Group, LLC

    337 Franklin St, Haworth, NJ 07641
  • /11

    $189,000

    Open Sun 1:30PM - 2:30PM
    • 1 Bed
    • 1 Bath
    • 750 Sq Ft

    6535 Broadway Unit 6E, Bronx, NY 10471

    Welcome to this magnificent, completely renovated one-bedroom apartment, thoughtfully designed with attention to even the smallest details. The bright and spacious interior features beautiful hardwood and ceramic flooring, granite countertops, a dishwasher, convenient laundry, ample closet space, and additional storage. The well-designed layout offers comfortable living space with plenty of

    Evelyn Garcia Iconic Pros

    6535 Broadway Unit 6E, Bronx, NY 10471
  • /50

    $3,795,000

    $1M PRICE DROP
    • 4 Beds
    • 4 Baths

    35 Jane Dr, Englewood Cliffs, NJ 07632

    Welcome to 35 Jane Drive, a spectacular contemporary residence completely gut renovated in 2026 & reimagined by renowned interior designer Greg McKenzie. Offering 4 bedrooms, 4 full baths & approx. 3,084 SF, this home blends timeless architecture w/sophisticated modern luxury on one of Englewood Cliffs' most coveted streets. Professionally landscaped grounds w/lighting, custom stonework &

    Jason Pierce Prominent Properties Sotheby's International Realty-Tenafly

    35 Jane Dr, Englewood Cliffs, NJ 07632
  • /18

    $699,999

    • 3 Beds
    • 2 Baths
    • 1,260 Sq Ft

    4027 Grace Ave, Bronx, NY 10466

    Welcome to 4027 Grace Ave, a spacious 3-bedroom single-family duplex offering a comfortable layout and plenty of room to enjoy. This inviting home features generously sized bedrooms, a private driveway, and a finished basement providing valuable additional space with a variety of potential uses. Conveniently located near public transportation, shopping, dining, and everyday amenities, this

    Damar Martin YourHomeSold Guaranteed Realty

    4027 Grace Ave, Bronx, NY 10466
  • /6

    $1,199,000

    • 3 Beds
    • 2 Baths

    194 Garfield St, Haworth, NJ 07641

    Build New! Exceptional opportunity to build new on this park-like 100x100 property in prestigious Haworth. Perfectly suited for builders and buyers who are looking to build their dream home. This property is ideally located on a quiet street in a neighborhood of $3 Million+ homes. Haworth is home to two private country clubs, pickleball and tennis courts, a 3- mile reservoir nature trail,

    Karen Leddy Coldwell Banker, Alpine/Closter

    194 Garfield St, Haworth, NJ 07641
  • /8

    $775,000

    • 4 Beds
    • 2.5 Baths

    525 W 238th St Unit 10, Bronx, NY 10463

    Rare opportunity to own a pre-war gem in Riverdale! For the first time in 40 years this gracious, spacious, sun filled, nine room home is on the market: large Entry Foyer, Living Room with Wood Burning Fireplace, Formal Dining Room with two entrances, 4 Bedrooms, Maid's Room, 2.5-3 full baths (the .5 in the maid's room can be returned to full bath), and a dreamy Conservatory! Nine foot

    Schatiloff Strilec Corcoran Group

    525 W 238th St Unit 10, Bronx, NY 10463
  • /12

    $1,716,750

    New Construction Open Sun 1PM - 3PM
    • 2 Beds
    • 2.5 Baths
    • 1,372 Sq Ft

    41 Cedar St Unit 7, Dobbs Ferry, NY 10522

    Discover the pinnacle of modern living at Cedar Commons, a brand-new collection of sophisticated condominiums in the heart of Dobbs Ferry. Designed by celebrated local architect Christina Griffin, these residences strike a perfect balance between high-end design, energy efficiency, and everyday comfort—all while benefiting from condo-rate taxes. Step inside to find airy, open-concept layouts

    Alfred Dobbs Compass Greater NY, LLC

    41 Cedar St Unit 7, Dobbs Ferry, NY 10522
  • /42

    $999,000

    $351K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,220 Sq Ft

    74 Elaine Terrace, Yonkers, NY 10701

    Renovated 4-Bedroom, 3-Full-Bath Residence — Luxury Living & Entertaining.Welcome to this beautifully renovated home featuring four bedrooms and three full bathrooms. The expanded interior offers ample living space, including a living room with fireplace, a formal dining room, and a family room with an attached den—ideal for remote work. The chef-inspired kitchen showcases top-of-the-line

    Ninive Roth Premier Agent Network

    74 Elaine Terrace, Yonkers, NY 10701
  • /29

    $215,000

    $20K PRICE DROP
    • 2 Beds
    • 1 Bath
    • 950 Sq Ft

    30 Fleetwood Ave Unit 5G, Mount Vernon, NY 10552

    Great opportunity and Commuter's delight! Come see this spacious bright and airy two bedroom unit in the heart of Fleetwood. Open concept living room and dining area with beautifully maintained hardwood floors throughout. Recently renovated kitchen, new lighting fixtures, bathroom has new sink, tiles, ample closets. Electric, gas, hot water included in monthly maintenance. Close to everything,

    Lesley Amato Corcoran Legends Realty

    30 Fleetwood Ave Unit 5G, Mount Vernon, NY 10552
  • /40

    $9,750,000

    • 8 Beds
    • 11 Baths

    67 Robin Ln, Alpine, NJ 07620

    Welcome to an exceptional newly gut-renovated stone colonial manor blending timeless grandeur with modern luxury. Set behind private gates with sweeping western views, this 2 acre estate offers elegance, comfort, and thoughtful design throughout. A stately façade opens to soaring ceilings, refined craftsmanship, and sunlit, expansive interiors—meticulously reimagined while preserving classic

    Dennis McCormack Prominent Properties Sotheby's International Realty-Alpine

    67 Robin Ln, Alpine, NJ 07620
  • /2

    $600,000

    • 4 Beds
    • 2 Baths

    761 E 232nd St, Bronx, NY 10466

    1 Family house for sale.

    Alexander Rubinstein Real Estate Plan LLC

    761 E 232nd St, Bronx, NY 10466
  • /30

    $252,000

    $7K PRICE DROP
    • 1 Bed
    • 1 Bath
    • 750 Sq Ft

    42 Pondfield Rd W Unit 4F, Bronxville, NY 10708

    Enjoy the best of village life in this charming one-bedroom at The Commodore, a pet-friendly pre-war building just blocks from Bronxville Village, the Bronxville Metro-North Train Station, shops, restaurants, and the Bronx River Reservation walking/biking path. A proper entry foyer opens to a large living room with high ceilings and beautiful original moldings, offering generous space to relax,

    Ralph Ragette Ragette Real Estate, Inc.

    42 Pondfield Rd W Unit 4F, Bronxville, NY 10708
  • /21

    $1,399,000

    $400K PRICE DROP
    • 6 Beds
    • 2 Baths
    • 3,096 Sq Ft

    200 Main St Unit A6, Tuckahoe, NY 10707

    PROJECTED 6 + CAP RATE IN EASTCHESTER NY. FIRST FL 3/4 BED UNIT CURRENTLY AVAILABLE FOR A HOME BUYER TO MOVE IN & COLLECT THE OTHER 2 RENTS. CALLING ALL END USERS, INVESTORS, PROFESSIONALS , DOCTORS, ACCOUNTANTS, ATTORNEYS , 1031 EXCHANGE ETC TO THIS INCREDIBLE RESIDENTIAL / MIXED USE INVESTMENT IN RB ZONE . *** { COMMERCIAL OR DSCR FINANCING WITH APPROXIMATELY 30 PERCENT DOWN WILL BE REQUIRED TO

    Lorenzo Signorile Berkshire Hathaway HS NY Prop

    200 Main St Unit A6, Tuckahoe, NY 10707
  • /35

    $4,995,000

    • 5 Beds
    • 5.5 Baths
    • 7,979 Sq Ft

    161 Sherman Ave, Dobbs Ferry, NY 10522

    Luxurious new construction in prestigious Ardsley Park! Located in the charming village of Dobbs Ferry, this prime home offers nearly 8,000 square feet of beautifully designed living space including a finished lower level. This exceptional, custom house features five spacious bedrooms, 5.5 baths, and a three-car garage, with time still available to personalize select finishes. Designed for modern

    Therese Militana Valvano Coldwell Banker Realty

    161 Sherman Ave, Dobbs Ferry, NY 10522
  • /3

    $350,000

    • Land
    • 16,552 Sq Ft
    • $921,053 per Acre

    56 Triangle Place, Yonkers, NY 10710

    Vacant land ,can build 2 single family houses once subdivided. 6000 SF min required for each home. Sewer located on Fort Hill Rd near corner.Zone is S60. 60 front and min 6000 SF . Lot total is 16,730 SF Build two homes on site. Live in one and sell the other! Location is close to everything!They aren't making any more land, don't pass on this opportunity!

    Jeffrey Landsman Houlihan Lawrence Inc.

    56 Triangle Place, Yonkers, NY 10710
  • /39

    $1,199,000

    $50K PRICE DROP
    • 4 Beds
    • 3 Baths
    • 2,600 Sq Ft

    80 Hickory Hill Dr, Dobbs Ferry, NY 10522

    Filled with an abundance of natural light and impeccably maintained throughout, this move-in ready split-level home offers the perfect combination of comfort, functionality, and location in the award-winning Ardsley School District.The main level features an inviting living room with a wood-burning fireplace, a formal dining room, and an open kitchen with sliding glass doors leading to a

    Tulay Erdem Christie's Int. Real Estate

    80 Hickory Hill Dr, Dobbs Ferry, NY 10522
  • /29

    $787,000

    $228K PRICE INCREASE
    • 3 Beds
    • 2.5 Baths
    • 912 Sq Ft

    18 Arden Place, Yonkers, NY 10701

    Welcome to this beautifully maintained 3-bedroom, 2-bath home, perfectly situated on a quiet, sidewalk-lined street in Yonkers. Offering a wonderful blend of comfort, space, and convenience, this home is ready for its next owner to move right in and enjoy. Inside, you'll find a bright and inviting living area filled with natural light, complemented by hardwood floors throughout. The updated

    Mary Rodriguez Safeway Realty Corp

    18 Arden Place, Yonkers, NY 10701

Showing Results 281 - 320, Page 8 of 18

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