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Borrower or any one or more of them. All references in this Note to the Holder shall mean the <br /> Lender and any and all other present and future Holders. This Note shall bind the Borrower and <br /> the heirs, representatives, successors and assigns of the Borrower. This Note shall benefit the <br /> Holder and its successors and assigns. This Note shall be governed by and construed in accordance <br /> with the internal laws of the State of Minnesota(excluding conflict of law rules). <br /> The Borrower and all Guarantors of this Note hereby waive any right to a trial by jury under any <br /> action arising directly or indirectly out of this Note,the loan transaction generally, and documents <br /> incident thereto. <br /> The Borrower represents and warrants to the Lender that it understands the provisions of and <br /> obligations under this Note. <br /> BORROWER: <br /> SA GROUP,INC. <br /> By: <br /> Name: <br /> Title: <br /> 5 <br />