STATE OF SOUTH CAROLINA COUNTY OF RICHLAND IN THE COURT OF COMMON PLEAS C/A # 2026-CP-40-04353 Headwaters Financial Corp., Plaintiff, v. Sidney Djuanis Young, Defendant. (Claim and Delivery) (Non-Jury) (150532-000120) SUMMONS AND NOTICE OF FILING COMPLAINT TO THE DEFENDANT ABOVE-NAMED: YOU ARE HEREBY SUMMONED and required to appear and defend by answering the Complaint in this action, of which a copy is herewith served upon you, and to serve a copy of your Answer on the subscribers at their office, 171 Church Street, Suite 120C (29401), PO Box 22795, Charleston, SC 29413, within thirty (30) days after the service hereof, exclusive of the day of such service, except that the United States of America, if named, shall have sixty (60) days to answer after the service hereof, exclusive of the day of such service; and if you fail to do so, judgment by default will be rendered against you for the relief demanded in the Complaint. TO MINOR(S) OVER FOURTEEN YEARS OF AGE, AND/OR TO MINOR(S) UNDER FOURTEEN YEARS OF AGE AND THE PERSON WITH WHOM THE MINOR(S) RESIDES, AND/OR TO PERSONS UNDER SOME LEGAL DISABILITY: YOU ARE FURTHER SUMMONED AND NOTIFIED to apply for the appointment of a guardian ad litem within thirty (30) days after the service of this Summons as to Complaint of Plaintiff and Notice upon you. If you fail to do so, application for such appointment will be made by Attorney for the Plaintiff, Headwaters Financial Corp.. YOU WILL ALSO TAKE NOTICE that should you fail to answer the foregoing Summons, the Plaintiff may move for a general Order of Reference of this cause to the Master in Equity for Richland County, which Order shall, pursuant to SCRCP Rule 53, of the South Carolina Code of Law (1976), as amended, specifically provide that the said Master in Equity is authorized and empowered to enter a final judgment in this case, which judgment shall be appealable to the Supreme Court of South Carolina. NOTICE IS HEREBY GIVEN that the original Complaint in the above entitled action was filed in the office of the Clerk of Court for Richland County on June 22, 2026. /s/ Lucas S. Fautua J. Ronald Jones, Jr. (SC Bar 66091) Lucas S. Fautua (SC Bar 104371) 171 Church Street, Suite 120C (29401) PO Box 22795 Charleston, SC 29413 Telephone: (843) 714-2533 Email: rjones@smithdebnamlaw.com Email: lfautua@smithdebnamlaw.com ATTORNEYS FOR THE PLAINTIFF October 22, 2026 Charleston, South Carolina IPL0383714 Oct 25,Nov 1,8 2026