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27. Non-Assignment. <br /> Company may not assign this Agreement or any or any of the rights or duties hereunder to <br /> any person without Financial Institution's prior written consent. <br /> 28. Waiver. <br /> Financial Institution may waive enforcement of any provision of this Agreement. Any such <br /> waiver shall not affect Financial Institution's rights with respect to any other transaction or <br /> modify the terms of this Agreement. <br /> 29. Binding Agreement;Benefit. <br /> This Agreement shall be binding upon and inure to the benefit of the parties hereto and their <br /> respective legal representatives, successors and assigns. This Agreement is not for the <br /> benefit of any other person, and no other person shall have any right against Financial <br /> Institution or Company hereunder. <br /> 30. Headings. <br /> Headings are used for reference purposes only and shall not be deemed a part of this <br /> Agreement. <br /> 31. Severability. <br /> In the event that any provision of this Agreement shall be determined to be invalid, illegal <br /> or unenforceable to any extent,the remainder of this Agreement shall not be impaired or <br /> otherwise affected and shall continue to be valid and enforceable to the fullest extent <br /> permitted by law. <br /> 32. Governin Law. <br /> This Agreement shall be construed in accordance with and governed by the laws of the <br /> State of Minnesota. <br /> Page 11 of 12 <br />