A.P.N.: 068-122-005-000; 068-122-006-000 File: LTTSG2600501 T.S. No.: 26-14448-139 Loan No.: ********-101 Notice of Unified Trustee’s Sale Note: There is a summary of the information in this document attached**[Pursuant to civil code § 2923.3(a), The summary of information referred to above is not attached to the recorded copy of this document, but only to the copies provided to trustor.] You are in default under a deed of trust dated 5/24/2022. Unless you take action to protect your property, it may be sold at a public sale. If you need an explanation of the nature of the proceedings against you, you should contact a lawyer. A public auction sale to the highest bidder for cash, cashier’s check drawn on a state or national bank, check drawn by a state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 of the Financial Code and authorized to do business in this state will be held by the duly appointed trustee as shown below, of all right, title, and interest conveyed to and now held by the trustee in the hereinafter described property under and pursuant to a Deed of Trust described below. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. Original Trustor(s): Josh Anthony Ringeisen aka Joshua A. Ringeisen and Lori Ringeisen aka Lori A. Ringeisen, husband and wife Duly Appointed Trustee: WT Capital Lender Services, a California corporation Recorded 7/15/2022 as Document No. 2022026553, of Official Records in the Office of the Recorder of Merced County, California Date of Sale: 9/2/2026, at 12:30 PM Place of Sale: At the west 21st Street entrance to the Merced County Courts building on the corner of West 21st and “M” Streets, 627 21st Street, Merced, Ca 95340 Amount of unpaid balance and other charges: $2,789,771.15 Estimated Accrued interest and additional advances, if any, will increase this figure prior to sale. Street Address or other common designation of real property: None given; Directions to said property may be obtained by submitting a written request within ten (10) business days of the first publication to: Fresno-Madera Federal Land Bank Association, FLCA, c/o WT Capital, 7522 North Colonial Avenue, Suite 111, Fresno, Ca 93711. Legal Description: The land referred to herein below is situated in the City of Le Grand, County of Merced, State of California and is described as follows: Parcel 1: APN: 068-122-005-000 all that certain real property, situate in section 33, township 8 south, range 16 east, Mount Diablo base and meridian, in the County of Merced, State of California, being more particularly described as follows; Beginning at the northwest corner of said section 33, also being on the centerline of a 60.00 foot wide County road now known as “Buchanan Hollow Road”; thence along said centerline and the north line of said section 33, n. 89° 54’ 30” E. A distance of 1975.49 feet; thence leaving said centerline and north line, s. 00° 13’ 00” W. a distance of 1315.17 feet; thence s. 89° 54’ 30” E. A distance of 1544.97 feet; thence s. 00° 13’ 00” W. A distance of 1973.53 feet; thence n. 89° 54’ 30” W. A distance of 3520.44 feet to a point on the west line of said section 33; thence along the said west line, N. 00° 13’ 00” E. A distance of 3287.46 feet to the point of beginning. Excepting therefrom the west 20.00 feet. Parcel 2: APN: 068-122-006-000 Beginning at the quarter corner common to sections 28 and 33, also being on the centerline of a 60.00 foot wide County road now known as “Buchanan Hollow Road”; thence leaving said centerline, s.00° 13’ 00” W. A distance of 1315.57 feet; thence N. 89° 54’ 30” W. A distance of 661.89 feet; thence n. 00° 13’ E. A distance of 1315.17 feet to a point on said centerline and north line of said section 33; thence along said centerline and north line, N. 89° 54’ 30” E. A distance of 661.90 feet to the point of beginning. Also being described as “adjusted parcel 2”, in that certain certificate of compliance recorded August 1, 2006, instrument #2006-053355, Merced County Records. The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Beneficiary hereby elects to conduct a unified foreclosure sale pursuant to the provisions of California Commercial Code section 9604, et seq., and to include in the non-judicial foreclosure of the real property interest described in the Notice of Default and Election to Sell Under Deed of Trust, all of the personal property and fixtures, together with replacements and proceeds, if applicable, described in the security agreement, dated 4/24/2020, and in a UCC-1 Financing Statement filed with the Secretary of State, State of California, on 9/20/2017, as 177607043974, it may have been amended from time to time, and pursuant to any other instruments between the trustor and beneficiary referencing a security interest in personal property. Beneficiary reserves its right to revoke its election as to some or all of said personal property and/or fixtures, or to add additional personal property and/or fixtures to the election herein expressed, at Beneficiary’s sole election, from time to time and at any time until the consummation of the Trustee’s Sale to be conducted pursuant to the Deed of Trust and this Notice of Trustee’s Sale. A description of the personal property, which was given as security for trustor’s obligation is: “Land” Shall mean that certain real property in the above-described legal description. “Borrower” shall mean Josh Anthony Ringeisen aka Joshua A. Ringeisen and Lori Ringeisen aka Lori A. Ringeisen Personal Property Collateral includes all attachments, accessions, replacements or additions to the following, and all proceeds or products of the following, but specifically excludes consumer goods and hemp or any product of hemp, as the term hemp is defined in 7 U.S.C. § 1639o(1): All goods of the following kind and description wherever located (whether characterized as fixtures or personal property) now constructed, located, or placed on the Land, or used in connection with the Land: (i) enclosures of the Land or any part thereof, including, without limitation, fences, corrals, pens, gates, shunts, posts, poles, barbed wire and electric wire; (ii) trees, vines and other permanent plantings, whether mature or immature, now growing on the Land, together with all trellises, wires, end posts, cross arms, supports and stakes relating thereto; (iii) irrigation wells, pumps, motors and related equipment, and irrigation and drainage equipment, including, without limitation, wells, pumps, motors, engines, gearheads, sprinklers, drip irrigation systems, tow lines, hand lines, irrigation pipe, drainage pipe, culverts and well casings; (iv) crop protection equipment and apparatus, including, without limitation, frost protection equipment and wind machines; and (v) electric, gas and water lines and equipment, including without limitation, transformers, circuit breakers, switch boxes, fuse and breaker panels, regulators, cut on/off valves, wiring and pipe. (a) All rights associated with or arising with respect to the Land as the result of the implementation of the Sustainable Groundwater Management Act (California Water Code Sections 10720, et seq.) (“SGMA”), as it may be amended, including without limitation groundwater pumping credits, pumping allocations, and extraction rights of any kind, whether or not severable from the Land, regardless of when or where such rights may be exercised (collectively, “SGMA Rights”). (b) All reports and records submitted to any applicable groundwater sustainability agency(“GSA”) or other public agency having jurisdiction over the applicable groundwater basin associated with the Land, and all historical records regarding groundwater pumping, utility usage, pump tests, and other information reasonably necessary to establish groundwater extraction history for the Land. (c) All right, title and interest in all water (including any water inventory in storage), water rights and entitlements, other rights to water and other rights to receive water or water rights of every kind or nature, including without limitation: (i) SGMA Rights; (ii) the groundwater on, under, pumped from or otherwise available to the Land, whether as a result of groundwater rights, contractual rights or otherwise; (iii) the right to remove and extract any such groundwater including any permits, rights or licenses granted by any governmental authority or agency, including rights under groundwater sustainability or management plans and related judicial or administrative decisions, and any rights granted or created by any easement, covenant, agreement or contract with any person or entity; (iv) any rights to which the land is entitled with respect to surface water, whether such right is appropriative, riparian, prescriptive or otherwise and whether or not pursuant to permit or other governmental authorization, or the right to store any such water; (v) any water, water right, water allocation, distribution right, delivery right, water storage right, or other water-related entitlement appurtenant or otherwise applicable to the Land by virtue of the Land’s being situated within the boundaries of any district, agency, or other governmental entity or within the boundaries of any private water company, mutual water company, or other non-governmental entity; (vi) any drainage rights appurtenant or otherwise applicable to the Land; (vii) all rights to transport, carry, allocate or otherwise deliver water or any of the foregoing rights from or to the Land by any means, wherever located; and (viii) any shares (or any rights under such shares) of any private water company, mutual water company, or other non-governmental entity pursuant to which Borrower or the Land may receive any of the rights referred to in (i) through (vii), above. References to “water’’ and “water rights” are used herein in the broadest and most comprehensive sense of the term(s). No warranty is made that any or all of the personal property still exists or is available for the successful bidder and no warranty is made as to the condition of any of the personal property, which shall be sold “as is, where is”. You have the right to request an accounting of the unpaid indebtedness secured by the property being sold. You may submit your request to the address listed below. The charge for this request is $30.00. You may be liable for any deficiency if the secured obligation is not paid in full. The beneficiary under said Deed of Trust and Security Agreement heretofore executed and delivered to the undersigned, a written Declaration of Default and Demand for Sale, and a Written Notice of Default and Election to Sell. The undersigned caused said Notice of Default and Election to Sell to be recorded in the County where the real property is located and more than three months have elapsed since such recordation. In the event that the Deed of Trust described in this Notice of Trustee’s Sale is secured by real property containing one to four single-family residences, the following notices are provided pursuant to the provisions of Civil Code section 2924f. Notice to potential bidders: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. Bidders at the trustee auction must make cashier’s checks payable to WT Capital. Third party cashier’s checks will not be accepted. Notice to property owner: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 559-228-8393 or visit this internet website www.wtcap.com, using the file number assigned to this case 26-14448-139. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the internet website. The best way to verify postponement information is to attend the scheduled sale. Notice to tenant: Effective January 1, 2021, you may have a right to purchase this property after the trustee auction pursuant to Section 2924m of the California Civil Code. If you are an “eligible tenant buyer,” you can purchase the property if you match the last and highest bid placed at the trustee auction. If you are an “eligible bidder,” you may be able to purchase the property if you exceed the last and highest bid placed at the trustee auction. There are three steps to exercising this right of purchase. First, 48 hours after the date of the trustee sale, you can call (559) 228-8393, or visit this internet website www.wtcap.com, using the file number assigned to this case 26-14448-139 to find the date on which the trustee’s sale was held, the amount of the last and highest bid, and the address of the trustee. Second, you must send a written notice of intent to place a bid so that the trustee receives it no more than 15 days after the trustee’s sale. Third, you must submit a bid so that the trustee receives it no more than 45 days after the trustee’s sale. If you think you may qualify as an “eligible tenant buyer” or “eligible bidder,” you should consider contacting an attorney or appropriate real estate professional immediately for advice regarding this potential right to purchase. Please be advised that the trustee may require entity or trust bidders at this trustee’s sale to provide information, documentation and/or certification of the vesting instructions and the data required to be reported pursuant to FinCEN regulations effective for transfers of residential real property to covered transferees on or after March 1, 2026. The required information must be provided to the trustee before a trustee’s deed upon sale will be issued for covered transfers. Additional information regarding these regulations and the required transferee information and certifications can be found at https://www.federalregister.gov/ documents/2024/08/29/2024-19198/anti-money-laundering-regulations-for-residential-real-estate-transfers and https://www.fincen.gov/rre- faqs Date: August 3, 2026 WT Capital Lender Services, a California corporation 7522 North Colonial Avenue, Suite 111 Fresno, California 93711 (559) 228-8393 WTCap.com By: Nate Kucera Chief Executive Officer (IFS# 45556 08/07/26, 08/14/26, 08/21/26)