NOTICE TO CREDITORS All persons, firms and corporations having claims against the Estate of Michael David Ruff, Deceased, of Mecklenburg County, N.C., are notified to present the same to the Personal Representative listed below on or before January 31, 2026, or this Notice will be pleaded in bar of recovery. All debtors of the said Estate are asked to make immediate payment. This 31st day of October, 2025. Karen Krebeck Ruff Executor c/o Hunter Morris Ward and Smith, P.A. Attorneys at Law Post Office Box 33009 Raleigh, NC 27636-3009 IPL0285968 Oct 31,Nov 7,14,21 2025