This Agreement is governed by and shall be interpreted according to federal law and the laws of Massachusetts.  If state or local law and federal law are Inconsistent, or if state or local law is preempted by federal law, federal law governs.  If the Bank has greater rights or remedies under federal law, whether as a national bank or otherwise, this paragraph shall not be deemed to deprive the Bank of such rights and remedies as may be available under federal law.