TRUSTEE'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 28, 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 AT THE TIME OF SALE UNLESS OTHERWISE AGREED TO BY MORTGAGEE AND ALL TRANSFER TAXES WILL BE THE RESPONSIBILITY OF THE PURCHASER. WHEREAS, the property secured under the Deed of Trust is located in Sebastian (Fort Smith District) County, Arkansas more particularly described as follows: THE NORTH 25.00 FEET OF LOT 4 AND THE SOUTH 25 FEET OF LOT 3, BLOCK 5, KERR'S ADDITION TO THE CITY OF FORT SMITH, FORT SMITH DISTRICT, SEBASTIAN COUNTY, ARKANSAS, ACCORDING TO PLAT FILED AUGUST 27, 1908, AS PLAT NO. 48. Street Address: 705 North 41st Street, Fort Smith, AR 72903 WHEREAS on May 22, 2015, Matthew Hardie, married man, and Daisy M. Mardie, his spouse executed a Deed of Trust to Joe Edwards, Jr., a Corporation, as Trustee for the benefit of Mortgage Electronic Registration Systems, Inc., as beneficiary, as nominee for Benefit Bank, which was recorded on May 26, 2015 as Instrument Number 2015F-07067, in the real estate records of Sebastian (Fort Smith District) County, Arkansas. The beneficial interest of said Deed of Trust has been assigned to U.S. Bank National Association, which is the party initiating foreclosure. The party initiating foreclosure is U.S. Bank National Association and can be contacted at or in care of its servicer initiating foreclosure at: U.S. Bank National Association, 2800 Tamarack Road, Owensboro, KY 42301, at Telephone Number 1-800-365-7772; and WHEREAS, the undersigned is acting on and with the consent and authority of the beneficiary as substitute Trustee in the place of the original Trustee or any other substituted trustee, upon the contingency and in the manner authorized by said beneficiary; 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 18th, 2025. TIMOTHY D. PADGETT, P.A. SUBSTITUTE TRUSTEE FOR U.S. BANK NATIONAL ASSOCIATION By: Renee Price Timothy D. Padgett, P.A. 415 North McKinley Ste 1177 Little Rock, AR 72205 (850) 422-2520