MORTGAGEE'S NOTICE OF DEFAULT AND INTENTION TO SELL   YOU MAY LOSE YOUR PROPERTY IF YOU DO NOT TAKE IMMEDIATE ACTION   NOTICE IS HEREBY GIVEN that on October 14, 2025, at or about 02:30 PM, the subject real property described herein below will be sold at the Main Entrance to the Sebastian County Courthouse, 35 South 6th Street, Fort Smith, AR 72901 to the highest bidder for cash. The sale will extinguish all interests, including those of existing lien holders or previous owners in the property. THE TERMS OF SALE ARE CASH THE DAY OF SALE AND ALL TRANSFER TAXES WILL BE THE RESPONSIBILITY OF THE PURCHASER.   WHEREAS, the property secured under the Mortgage is located in Sebastian (Fort Smith District) County, Arkansas more particularly described as follows:   Lot 15, Colony Place, an Addition to the City of Fort Smith, Sebastian County, Arkansas. Subject to Easements, Rights of Way and Covenants of record. Subject to Restrictions of record and Reservations and Conveyances of Oil, Gas and Other Minerals.   Street Address: 8018 Hermitage Drive, Fort Smith, AR 72908   WHEREAS on October 29, 2021, Rosa M. Sanchez Sanchez, a single woman executed a Mortgage in favor of Cadence Bank, which was recorded on November 2, 2021 as Instrument Number 2021-28692, in the real estate records of Sebastian (Fort Smith District) County, Arkansas. The party initiating foreclosure is Cadence Bank N.A. and can be contacted at or in care of its servicer initiating foreclosure at: BancorpSouth Bank, P.O. Box 789, 2778 W. Jackson Street, Tupelo, MS 38802, at Telephone Number 1.662.678.7679 ; and   WHEREAS, there may be tenants that claim an interest in the real property herein based upon said tenancy; and   WHEREAS, the undersigned is the attorney for the mortgagee and is acting on and with the consent and authority of the mortgagee who is exercising its power of sale under Ark. Code Ann. §18-50-115 which implies a power of sale in every mortgage of real property situated in this state that is duly acknowledged and recorded; and default has occurred in the payment of said indebtedness, and the same is now therefore wholly due; and the holder of the debt has requested the undersigned to sell the property to satisfy said indebtedness. The undersigned is an active, licensed member of the Bar of the Supreme Court of the State of Arkansas, and the law firm of the undersigned maintains an office at 415 N. McKinley St., Suite 1177, Little Rock, AR 72205 that is located within the State of Arkansas, is accessible to the public during regular business hours, and has the ability to accept funds from a grantor, mortgagor, or obligor to reinstate or pay off a mortgage or deed of trust.   WITNESS my hand this August 4, 2025. TIMOTHY D. PADGETT, P.A. SUBSTITUTE TRUSTEE FOR CADENCE BANK N.A.   By: /s/ Renee Price Timothy D. Padgett, P.A. 415 North McKinley Ste 1177 Little Rock, AR 72205 (850) 422-2520 25-009947 11655011