Document:

Exhibit 10.72

 

Loan Agreement

 

between

 

AMBOW EDUCATION HOLDING LTD.

 

as Borrower

 

and

 

SINO ACCORD INVESTMENTS LIMITED

 

Dated April 5 , 2017

 

	US DOLLAR LOAN AGREEMENT

 

This Loan Agreement (the “Agreement”)
is entered by the following parties:

 

Party A: Sino Accord Investments Limited

 

Party B: Ambow Education Holding Ltd.

 

WHEREAS:

 

		1.	Party A is a company incorporated under the laws of the United States of America (the “Lender”).

 

		2.	Party B is a company incorporated under the laws of Cayman Islands (the “Borrower”).

 

		3.	The Lender agrees to provide a one year interest-free loan of US$6,000,000 to the Borrower for
its business operations.

 

    	1

     

    

 

NOW THEREFORE, all parties agree as follows:

 

		1.	Principal of the Loan. The Lender agrees to provide a loan to the Borrower with the principal as
US$6,000,000 in accordance with the terms and conditions set forth in this Agreement.

 

		2.	Undertakings of the Borrower. The Borrower shall use the total amount of the Loan solely conduct
its business operations.

 

		3.	Term. The term of such loan starts from the date that Borrower received the loan amount until one
year and could be extended upon the written agreement of the parties through negotiations.

 

		4.	Method of Repayment. This repayment of the Loan under this Agreement are payable in form or manner
as agreed by the Lender and the Borrower as permitted under the laws of United States of America and Cayman Islands.

 

		5.	Interest. The parties agree and confirm that this loan is an interest-free loan.

 

		6.	Event of Default and Remedies. Any one of the following occurrences shall constitute an “Event
of Default” under this Agreement:

 

		(a)	The Borrower fails to repay the Loan hereunder when due in accordance with this Agreement;

 

		(b)	The Borrower becomes insolvent or bankrupt, commits any act of bankruptcy, generally fails to pay
its debts as it become due, becomes the subject of any proceedings or actions of any regulatory agency or any court, or makes an
assignment for the benefit of its creditors, or enters into any Agreement for the composition, extension, or readjustment of all
or substantially all of its obligations;

 

Upon the occurrence
of any Event of Default hereunder, the entire or part of the Loan shall, at the sole option of the Lender and without notice or
demand of any kind to the Borrower, immediately become due and payable, and the Lender may pursue all remedies available under
this Agreement and seeking immediate repayment of the Loan. Without prejudice to the rights of the Lender under the immediately
preceding sentence, the Borrower undertakes to indemnify the Lender against any actions, charges, claims, costs, damages, demands,
expense, liabilities, losses and proceedings which the Lender may sustain or incur as a consequence of the occurrence of any Event
of Default hereunder.

 

		7.	Successors. This Agreement shall be assignable upon the written agreement of both parties through
negotiations.

 

    	2

     

    

 

		8.	Conflicting Agreements. In the event of any inconsistencies between the terms of this Agreement
and the terms of any other document related to the loan evidenced by the Agreement, the terms of this Agreement shall prevail,
except defined otherwise with written Agreement of both parties.

 

		9.	Severability. Any provision of this Agreement which is invalid, illegal or unenforceable in any
jurisdiction shall, as to that jurisdiction, be ineffective to the extent of such invalidity, illegality or unenforceability, without
affecting in any way the remaining provisions hereof in such jurisdiction or rendering that or any other provision of this Agreement
invalid, illegality or unenforceable in any other jurisdiction. The Parties shall, through fairly consultation, make reasonable
efforts to replace those invalid, illegal or non-enforceable provisions with valid provisions that may bring the similar economic
effects with the effects caused by those invalid, illegal or non-enforceable provisions.

 

		10.	Governing Law. This Agreement shall be governed by and construed in accordance with the laws of
the United States of America and Cayman Islands.

 

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IN WITNESS the hands of the Parties or their duty
authorized representatives on the date first above stated.

 

	SIGNED BY
	 
	  /s/	 
	Authorized signature for and on behalf of SINO ACCORD INVESTMENTS LIMITED

(the “Lender”)
	 
	SIGNED BY
	 
	  /s/	 
	Authorized signature for and on behalf of AMBOW EDUCATION HOLDING LTD.

(the “Borrower”)

 

    	4Exhibit 10.73

 

Supplementary Agreement

 

Party A (the Lender): Sina Accord Investments
Limited

 

Party B (the Borrower): Ambow Education Holding
Ltd.

 

(Collectively as the “Parties”)

 

WHEREAS,

The Parties signed a loan agreement on April
5, 2017 and Party A agreed to provide a one-year interest-free loan of US$6,000,000 to Party
B.

 

NOW THEREFORE, the parties agree as follows:

		1.	The Parties agree to extend the term of such loan for an additional year through April 4, 2019.

 

		2.	All other terms of the Agreement shall remain valid and in full force and effect.

 

		3.	This Supplementary Agreement shall come into force on the date of seal or signature by both parties.

 

		4.	This Supplementary Agreement is signed by two copies. Each party holds one copy.

 

	SIGNED BY
	  /s/	 
	(Authorized signature for and on behalf of SINO ACCORD INVESTMENTS LIMITED the “Lender”)
	 
	Date: March 7, 2018
	 
	SIGNED BY
	  /s/	 
	(Authorized signature for and on behalf of SINO AMBOW EDUCATION HOLDING LTD. the “Borrower”)
	 
	Date: March 7, 2018Exhibit 10.74

 

Loan Agreement

 

Party A (the “Lender”):
Beijing Ambow Shengying Education and Technology Co., Ltd.

 

Party B (the “Borrower”):
Suzhou Zhixinliren Investments Co., Limited

 

WHEREAS:

Through friendly consultations and in the spirit
of equality and mutual benefits, the Parties agree as follows:

 

		1.	Principal of the Loan:

Party A agrees
to provide a loan to Party B in the principal amount of RMB 42,000,000 (the “Loan”) in accordance with the terms and
conditions set forth in this loan agreement (this “Agreement”).

 

		2.	Undertaking of the Borrower:

Party B shall
use the Loan borrowed from Party A for its business operations. Party A agrees to provide the Loan.

 

		3.	Payment Method:

After signing
of this Agreement, Party A shall wire the Loan in installments to the bank accounts Party B designated.

 

		4.	Interest:

The Parties agree
that the Loan is interest-free.

 

		5.	Term:

The term of the
Loan starts from the date that Party A pays the first installment of Loan and ends one year thereafter.

 

		6.	Repayment of the Loan:

Party B shall
repay the Loan to Party A by the due date and wire the repayment to the bank account Party A designated. The repayment obligation
of Party B under this Agreement does not suspend or delay by any actions from Party B other than repayment.

 

		7.	Statement and Warrant of Party B:

		7.1	This Agreement and all side agreements are true, accurate, complete and effective, without misstatement
and significant omission;

		7.2	Party B has obtained all internal approvals regarding the loan, and will obtain any other related
government authorities approval (if needed);

 

     

     

    

 

		7.3	Party B that it will use the loan as agreed in section 1;

		7.4	Party B assures that Party A that it has authority to oversee the use of the loan;

		7.5	Party B assures that it shall repay the loan as agreed in this Agreement.

 

		8.	Default:

If Party B fails
to any statement and warrant it committed in Section 7, Party A shall issue written notice to terminate this Agreement. The termination
of this Agreement does not relieve Party B of its repayment obligations.

 

If Party B fails
to pay the loan as it becomes due and it is not caused by Party A, Party B shall undertake the obligation of default. Party B shall
indemnify Party A the principal and overdue fee at rate of 0.03% of the principal under this Agreement on a daily basis.

 

		9.	Effectiveness of this Agreement:

If any dispute
arises between the Parties in connection with the interpretation and performance of the terms hereof, the Parties shall negotiate
in good faith to resolve such dispute. If no agreement can be reached, either Party shall have the right to submit such dispute
to The Republic of China Arbitration Association for arbitration in accordance with its then effective rules. The arbitration shall
be held in Beijing.

 

		10.	Effectiveness of this Agreement:

This Agreement
becomes effective from the date that the Parties stamp or their duly authorized representatives sign. This Agreement is signed
by two copies. Each party holds one copy.

 

     

     

    

 

	PARTY A: Beijing Ambow Shengying Education and Technology Co., Ltd.
	 
	Authorized Representative:	 
	Signature:	/s/
	Date:  April 5, 2017	 
	 
	Party B: Suzhou Zhixinliren Investments Co., Limited
	Authorized Representative:	 
	Signature:	/s/
	Date:  April 5, 2017Exhibit 10.75

 

Supplementary Agreement

 

Party A (the Lender): Beijing Ambow Shengying
Education and Technology Co., Ltd.

 

Party B (the Borrower): Suzhou Zhixinliren
Investments Co., Limited

 

(Collectively as the “Parties”)

 

WHEREAS,

The Parties signed a loan agreement on April
5, 2017 and Party A agreed to provide a one-year interest-free loan of RMB 42,000,000 to Party B. After the signing of the loan
agreement, Party A provided RMB 42,677,000 to Party B as the actual principal.

 

NOW THEREFORE, the parties agree as follows:

		1.	The Parties agree to extend the term of such loan for additional year through April 4, 2019.

 

		2.	All other terms of the Agreement shall remain valid and in full force and effect.

 

		3.	This Supplementary Agreement shall come into force on the date of seal or signature by both parties.

 

		4.	This Supplementary Agreement is signed by two copies. Each party holds one copy.

 

	PARTY A: Beijing Ambow Shengying Education and Technology Co., Ltd.
	 
	Authorized Representative:	 
	Signature:	/s/
	Date: March 7, 2018	 
	 
	Party B: Suzhou Zhixinliren Investments Co., Limited
	Authorized Representative:	 
	Signature:	/s/
	Date: March 7, 2018

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