NOTICE OF FORECLOSURE RE-SALE 24SP003146-590 Under and by virtue of the authority contained in a certain Deed of Trust dated April 3, 2023, securing a Note and indebtedness of $1,005,000.00, which was executed by Joseph Perry Joiner and Krista Marie Joiner, and which is recorded in Book 38052, at Page 870, Mecklenburg County Registry, the undersigned having been appointed Substitute Trustee by instrument recorded in said Registry, default having occurred in the payment of the Note secured by said Deed of Trust, and at the request of the holder of said Note, the undersigned Substitute Trustee, in accordance with the provisions of said Deed of Trust, will offer for sale at the usual place of sale at the Mecklenburg County Courthouse to the highest bidder for cash at 11:00 o'clock a.m. on the 5th day of March, 2026, in Charlotte, Mecklenburg County, North Carolina, all of debtors' right, title and interest in the real property known as 12730 Duncourtney Lane, Charlotte, NC, 28277, which is more particularly described as follows: Being all of Lot 51 of PROVIDENCE CROSSING, Map 2 as shown on map thereof recorded in Map Book 25, Page 281, in the office of the Register of Deeds of Mecklenburg County, which recorded map is incorporated herein by reference and made a part of this description. TOGETHER WITH ANY AND ALL of the following: (i) all buildings, structures and other improvements now or hereafter located thereon or on any part or parcel thereof and all fixtures affixed or attached, actually or constructively, thereto; (ii) all and singular the tenements, hereditaments, easements and appurtenances belonging thereunto or in any wise appertaining thereto and the reversion and reversions, remainder or remainders thereof; (iii) all rents, issues, income, revenues and profits accruing therefrom, whether now or hereafter due; (iv) all accounts and contract rights now or hereafter arising in connection with any part or parcel thereof or any buildings, structures or improvements now or hereafter located thereon, including without limitation all accounts and contract rights in and to all leases or undertakings to lease now or hereafter affecting the land or any buildings, structures, or improvements thereon; (v) all minerals, flowers, crops, trees, timber, shrubbery and other emblements now or hereafter located thereon or thereunder or on or under any part or parcel thereof; (vi) all estates, rights, title and interest therein, or in any part or parcel thereof; (vii) all equipment, machinery, apparatus, fittings, fixtures whether actually or constructively attached thereto and including all trade, domestic and ornamental fixtures, furniture, furnishings and all personal property of every kind or description whatsoever now or hereafter located thereon, or in or on the buildings, structures and other improvements thereon, and used in connection with the operation and maintenance thereof, and all additions thereto and replacements thereof; and (viii) all building materials, supplies, goods and equipment delivered thereto and placed thereon for the purpose of being affixed to or installed or incorporated or otherwise used in the buildings, structures or other improvements now or hereafter located thereon or any part or parcel thereof. All of the foregoing are hereinafter sometimes referred to collectively as the "Premises". The record owners of said property as of a date not more than ten (10) days prior to the posting of this notice are: Joseph Perry Joiner and Krista Marie Joiner. Trustee, or Trustee's agent conducting the sale, may begin the sale up to one hour after the time fixed herein as provided in NCGS §45-21.23. An order for possession of the property may be issued pursuant to NCGS §45-21.29 in favor of the purchaser and against the party or parties in possession by the clerk of superior court of the county in which the property is sold. Any tenant who resides in residential real property containing less than 15 rental units that is being sold in a foreclosure proceeding under Article 2A of Chapter 45 of the General Statutes may terminate the rental agreement for the dwelling unit after receiving notice pursuant to G.S. 45-21.17(4) by providing the landlord with a written notice of termination to be effective on a date stated in the notice of termination that is at least 10 days, but no more than 90 days, after the sale date contained in the notice of sale, provided that the mortgagor has not cured the default at the time the tenant provides the notice of termination. Upon termination of a rental agreement under this section, the tenant is liable for the rent due under the rental agreement prorated to the effective date of the termination payable at the time that would have been required by the terms of the rental agreement. The tenant is not liable for any other rent or damages due only to the early termination of the tenancy. If you are a tenant and have any questions about your legal rights, please consult an attorney. Although not required by statute, any and all bidders and purchasers at sale should understand that the property described in the subject foreclosure proceeding may or may not contain a structure of any kind. The Substitute Trustee in this matter makes no representation or warranty as to the type or existence of a structure situated on the subject property or whether or not said structure has been affixed in any way. Likewise, Substitute Trustee makes no warranties or representations of any kind as to whether title to the mobile/manufactured home(s) on the subject property, if any, has been properly cancelled or whether there are any outstanding liens thereon. Said property will be sold subject to taxes, including all transfer taxes associated with the foreclosure, assessments, and any superior easements, rights of way, restrictions of record, liens, or other encumbrances prior to the lien of the deed of trust being foreclosed, said sale to remain open for increased bids for ten (10) days after report thereof to the Clerk of Superior Court. In the event the debtor files a bankruptcy petition prior to the expiration of the 10-day period required by G.S. 45-21.27, an automatic stay of the foreclosure will be imposed in accordance with the Bankruptcy Code (11 U.S.C. §362) and the bidder must pursue relief through the bankruptcy court. The Substitute Trustee may require the high bidder to deposit cash at the sale in an amount equal to the greater of five percent (5%) of the amount of the bid or $750.00. If no upset bid is filed, the balance of the purchase price, less deposit, must be made in cash upon tender of the deed. Third party purchasers at sale must pay the tax of Forty-Five Cents ($0.45) per One Hundred Dollars ($100.00) as required by NCGS §7A-308(a)(1). Richard A. Manger Substitute Trustee 1208 Eastchester Drive, Suite 101 High Point, NC 27265 (336) 882-2000 IPL0314630 Feb 19,26 2026