[] [EXECUTION VERSION Up to U.S.$600,000,000 TERM AND REVOLVING CREDIT FACILITIES AGREEMENT 1 February dated for TAL EDUCATION GROUP DEUTSCHE BANK AG, SINGAPORE BRANCH and SHANGHAI PUDONG DEVELOPMENT BANK XUHUI SUB-BRANCH (上海浦东发展银行徐汇支行), CHINA as Mandated Lead Arrangers and INDUSTRIAL BANK CO., LTD. ]