The exchange continued into the fourth. Harrell hit Gus McGee for a 9-yard touchdown with 14:12 remaining, but Sheppard answered with a 4-yard touchdown pass to Peter Clarke to tie it again. Harrell's second rushing touchdown finally gave Charlotte a lead it kept.
Henry Rutledge helped the 49ers sustain their offense with 123 yards on 17 carries, including a 48-yard gain. Charlotte ran for 168 yards and finished with 449 total yards. Eley caught six passes for 96 yards and a touchdown, while Brody Dawyot added four catches for 60 yards.
Temple had slightly more total offense, finishing with 455 yards, and did not commit a turnover. Sheppard completed 15 of 23 passes for 236 yards and a touchdown while adding 70 rushing yards and two scores. Jaxon Smolik also completed two passes for 13 yards.
Clarke led Temple's receivers with five catches for 127 yards. Colin Chase caught six passes for 74 yards and added 41 rushing yards, helping the Owls keep matching Charlotte through three quarters.
The 49ers converted six of 10 third downs and held the ball for 32:49. Temple went 6 of 12 on third down but failed on both fourth-down attempts.