EXHIBIT N " IN THE NATIONAL ARBITRATION FORUM RESPONSE WITH DEFENSES Telephone: E-mail Address 954-5 ~ 0-7840 NAFhesskennedylawcom File Number: MX0712002028043 Respondent: ~~ rE ~~~aw Center 210 North University Drive Suite 900 Coral Springs, FL 33071 USA Claimant: Chase Bank USA, NA c/o Mann Bracken, LLC One Paces Road West, Suite 1400 2727 Paces Ferry Road Atlanta, GA 30339 USA RESPONSE In response to the Claim