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RENDERED: AUGUST 27, 2004; 2:00 p.m.
NOT TO BE PUBLISHED

Commonwealth Of Kentucky
Court of Appeals
NO. 2001-CA-000505-MR

THE HUNTINGTON NATIONAL BANK
AND HUNTINGTON ACCEPTANCE COMPANY
(COLLECTIVELY, THE HUNTINGTON) APPELLANTS

APPEAL FROM JEFFERSON CIRCUIT COURT

v. HONORABLE THOMAS J. KNOPF, JUDGE
ACTION NO. 94-CI-005804

HENRY H. PORTER; BURTON J. SMITH;
JOHN A BRENZEL; AND DDR RENTAL
AND LEASING, INC., D/B/A DOLLAR
RENT-A-CAR OF KENTUCKY APPELLEES

AND: NO. 2001-CA-000509-MR

DDR RENTAL LEASING, INC.; HENRY H. PORTER;
AND B.J. SMITH CROSS-APPELLANTS

CROSS-APPEAL FROM JEFFERSON CIRCUIT COURT

v. HONORABLE THOMAS J. KNOPF, JUDGE
ACTION NO. 94-CI-005804

THE HUNTINGTON NATIONAL BANK;
THE HUNTINGTON ACCEPTANCE COMPANY;
AND THE ESTATE OF ROBERT E. CLINE CROSS-APPELLEES

AND: NO. 2003-CA-001022-MR

DDR RENTAL LEASING, INC. APPELLANT

APPEAL FROM JEFFERSON CIRCUIT COURT

v. HONORABLE THOMAS J. KNOPF, JUDGE
ACTION NO. 94-CI-005804

THE HUNTINGTON NATIONAL BANK;
THE HUNTINGTON ACCEPTANCE COMPANY;
AND THE ESTATE OF ROBERT E. CLINE APPELLEES

OPINION
AFFIRMING IN PART,
REVERSING IN PART
AND REMANDING

** ** ** ** **
BEFORE: BARBER, GUIDUGLI, AND VANMETER, JUDGES.
BARBER, JUDGE: These consolidated appeals arise out of various
orders of the Jefferson Circuit Court that adjudged DDR Rental
and Leasing, Inc., d/b/a Dollar Rent-A-Car of Kentucky (DDR)
liable to Huntington National Bank and Huntington Acceptance
Company (collectively Huntington) for a debt owing by DDR under
a loan agreement referred to as

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Kentucky Law