Document:

EXHIBIT 10.12

                   AMENDED AND RESTATED TAX SHARING AGREEMENT

     THIS AMENDED AND RESTATED TAX SHARING AGREEMENT is made and entered into
this 1st day of August, 2005 (this "Agreement"), by and among TAL International
Group, Inc., a Delaware corporation (the "Company"), TAL International Container
Corporation, a Delaware corporation ("International"), Trans Ocean Ltd., a
Delaware corporation ("Trans Ocean"), and each corporation, other than the
Company, International and Trans Ocean, which is a signatory to this Agreement
(International, Trans Ocean and such other corporations (excluding special
purpose corporations formed solely for purposes of a securitization or similar
financing transaction) shall collectively be referred to as the "Subsidiaries"
and individually referred to as a "Subsidiary").

                                   WITNESSETH:

     WHEREAS, the Company owns directly or indirectly capital stock of each of
the Subsidiaries which represents at least 80 percent of the vote and value of
each of the Subsidiaries and may, therefore, include the income and expense of
each of the Subsidiaries in the Company's consolidated federal income tax
returns; and

     WHEREAS, the parties hereto desire to consolidate such returns upon the
terms and conditions herein set forth;

     WHEREAS, the Company and the Subsidiaries desire to amend and restate that
certain Tax Sharing Agreement dated November 3, 2004 by and among the Company,
Trans Ocean and certain other parties (the "Original Agreement").

     NOW, THEREFORE, in consideration of the premises and the mutual covenants
and agreements herein set forth, the parties hereto do hereby agree that the
Original Agreement is hereby amended and restated to read in its entirety as
follows:

     1. Filing and Preparation of Future Returns. Each of the Subsidiaries
agrees to consent to joining with the Company and its consolidated Subsidiaries
(the Company and each of the Subsidiaries being herein collectively referred to
as the "Group") in the filing of the consolidated federal income tax returns for
any taxable year for which a consolidated return can be filed and each taxable
year thereafter, in accordance with applicable income tax laws and regulations.
The Company agrees that it will prepare and file in a timely manner all federal
income tax returns required to be filed on behalf of the Company and its
consolidated Subsidiaries and will pay the taxes shown to be due thereon.

     2. Tax Payments; Estimated Tax Payments.

          (a) For each taxable year ending after the date hereof during which a
Subsidiary is included in a consolidated Federal income tax return with the
Company, each Subsidiary will pay to the Company an amount equal to its
Subsidiary Tax Liability, as defined in the next sentence. Subsidiary Tax
Liability means the hypothetical Federal income tax liability of a Subsidiary
for a taxable year determined as if such Subsidiary had filed its own separate
Federal income tax return for such taxable year and all prior taxable years
ending after the date hereof,

except that such Subsidiary shall be treated as having available as loss or
credit carryovers for purposes of computing such Subsidiary's Subsidiary Tax
Liability all losses or credits previously generated by it and utilized by other
Subsidiaries, other than any such losses or credits that were previously taken
into account in computing such Subsidiary's Subsidiary Tax Liability, each such
Subsidiary shall be treated as though such Subsidiary made an election specified
in Section 172(b)(3) of the Internal Revenue Code of 1986, as amended (the
"Code") to forgo the carryback period for net operating losses and all credits
and other tax attributes shall also be carried forward only, and shall not be
carried back to prior taxable years. Such hypothetical Federal income tax
liability shall be determined at the end of the taxable year and shall reflect
any tax elections, conventions, treatments or methods which are actually
utilized by the Group in filing its consolidated Federal income tax return. Such
hypothetical Federal income tax liability shall not be less than zero. To the
extent that the obligation to pay such amount has not fully satisfied pursuant
to paragraph 2(b) of this Agreement, such Subsidiary shall pay any such
remaining amount to the Company on the last date on which the Company is
required to make its final payment of Federal income taxes for the taxable year
without incurring any penalties or additions to tax.

          (b) On any date on which the Company is required to make an estimated
payment of the consolidated Federal income tax of the Group under Section 6655
of the Code, each Subsidiary will make estimated payments to the Company in an
amount equal to such Subsidiary's hypothetical estimated consolidated Federal
income tax liability for a Subsidiary determined in accordance with the
principles of paragraph 2(a). If the total of such estimated payments made by
such Subsidiary to the Company with respect to a taxable year shall be in excess
of the liability of such Subsidiary to the Company pursuant to paragraph 2(a) of
this Agreement for such taxable year, the Company shall pay the amount of such
excess to such Subsidiary no later than the date on which the Company files the
consolidated Federal income tax return for the Group.

     3. Adjustments to Liability.

          (a) If the Subsidiary Tax Liability of a Subsidiary is changed as the
result of any final administrative or judicial determination (including a final
"determination" as defined in Section 1313(a) of the Code) with respect to
consolidated Federal income tax returns actually filed by the Group, then the
amount of the payments required from such Subsidiary to the Company under
paragraph 2(a) shall be recomputed by substituting the amount of such
Subsidiary's Subsidiary Tax Liability after the adjustments described above in
place of such Subsidiary's Subsidiary Tax Liability, provided that the
principles of paragraph 2(a) shall be applied in connection with such
recomputation notwithstanding any contrary determination. If such final
determination results in an increase in the Subsidiary Tax Liability, such
Subsidiary shall, subject to the reduction provided for in the next sentence,
pay to the Company not later than five days after such final determination an
amount equal to the excess of the new Subsidiary Tax Liability over the amount
previously paid to the Company by such Subsidiary. If such final determination
results in a reduction in such Subsidiary's Subsidiary Tax Liability for a
taxable year, such reduction shall first be applied to offset any increase to
such Subsidiary's Subsidiary Tax Liability for any other taxable year to which
such final determination applies, and any remaining amount of such reduction
shall be carried forward and credited against such Subsidiary's Subsidiary Tax
Liability for succeeding taxable years. The parties recognize that such new
liability for any

                                       2

taxable year is not necessarily such Subsidiary's final liability for that year,
and may be recomputed more than once.

          (b) Payments made pursuant to paragraph 2(a) shall bear interest in
the same manner as any late payment or refund of Federal income tax.

     4. Other Taxes. In the event there shall be imposed on the Company or any
of the Subsidiaries any foreign, federal, state or local tax to which principles
of consolidated taxation may be applied and practical, each of the Company and
each of the Subsidiaries agree that this Agreement shall also be applicable with
respect to such taxes. For purposes of this Agreement, the term taxes shall
include, but is not limited to, all net income, capital gains, gross income,
gross receipts, sales, use, transfer, franchise, profits, license, capital,
payroll, excise, value added or other taxes and any related interest or
governmental charge.

     5. Payment. Any payment required by a Subsidiary to the Company under
Sections 2, 3 or 4 of this Agreement shall be made first by reducing the amount
of any account payable created under the next sentence (but not below zero), and
then by entering or increasing an account payable to the Company on the books of
account of such Subsidiary. Any payment required by the Company to a Subsidiary
under this Agreement shall be made first by reducing the amount of any account
payable created under the prior sentence (but not below zero), and then by
entering or increasing an account payable to such Subsidiary on the books of
account of the Company. Any account payable created under this paragraph shall
be due in whole or in part on five days' notice by a Subsidiary or the Company,
as the case may be, and shall be payable by the party whose liability such
account payable is positive, and any due but unpaid amounts shall bear interest
from and after such due date at the rate of interest then most recently
announced by Citibank, N.A. as its Prime rate, plus two percent (2%) per annum.

     6. Limitation of Liability. The Company shall have no liability to the
Subsidiaries on account of (a) any advice which it renders to the Subsidiaries
or any of their direct or indirect subsidiaries, provided the Company believed
in good faith that such advice was useful or beneficial to the Subsidiaries or
any of their direct or indirect subsidiaries at the time it was rendered, (b)
the Subsidiaries' inability to obtain financing or achieve other results desired
by the Subsidiaries (or any of their direct or indirect subsidiaries) or the
Company's failure to render services to the Subsidiaries at any particular time
or from time to time, or (c) the failure of any acquisition, divestiture,
financing or business plan to meet the financial, operating or other
expectations of the Subsidiaries or any of its direct or indirect subsidiaries.
The Subsidiaries' and any of their direct or indirect subsidiaries' sole remedy
for any claim under this Agreement shall be termination of this Agreement.

     7. Indemnification. The Subsidiaries will, and will cause each of their
direct and indirect subsidiaries (other than any subsidiaries formed for
purposes of a securitization or similar financing transaction) to, indemnify and
hold harmless to the fullest extent permitted by applicable law, the Company,
its affiliates and associates, and each of the respective owners, partners,
officers, directors, employees and agents of each of the foregoing, from and
against any loss, liability, damage, claim or expenses (including the fees and
expenses of counsel) arising as a result or in connection with this Agreement,
the Company's services hereunder or other activities on behalf of the
Subsidiaries and their direct and indirect subsidiaries.

                                       3

     8. No Set-Off. Any payments paid by the Subsidiaries under this Agreement
shall not be subject to set-off and shall be increased by the amount, if any, of
any taxes (other than income taxes) or other governmental charges levied in
respect of such payments, so that the Company is made whole for such taxes or
charges.

     9. Additional Subsidiaries. If at any time after the date upon which this
Agreement is executed, any party to this Agreement acquires or creates one or
more Subsidiary corporations, companies, partnerships or other entities that are
either includible in the Group or the separate existence of which is disregarded
but, excluding any such corporations, companies, partnerships, or other entities
formed solely for purposes of a securitization or similar financing transaction
(collectively referred to as "Subsidiary Entities" and individually referred to
as "Subsidiary Entity"), either the Company or a Subsidiary shall cause such
Subsidiary Entity to be subject to this Agreement and all references to either
Group or a Subsidiary herein shall thereafter be interpreted to refer to the
Company, the Subsidiaries and such Subsidiary Entity or Subsidiary Entities, or
to a Subsidiary and such Subsidiary Entity or Subsidiary Entities respectively.

     10. Successors and Assigns. This Agreement shall be binding on and inure to
the benefit of any successor, by merger, acquisition of assets or otherwise, to
any of the parties hereto (including but not limited to any successor of the
Company or a Subsidiary succeeding to the tax attributes of each under Section
381 of the Code), to the same extent as if such successor had been an original
party to this Agreement.

     11. Termination. This Agreement shall continue in effect until terminated
by written agreement between all the parties hereto.

     12. Entire Agreement. This Agreement constitutes the entire agreement
between the parties hereto pertaining to the subject matter hereof and
supersedes and cancels any and all such previous written or oral agreements
between the parties hereto. This Agreement may not be modified, waived,
terminated or amended except expressly by an instrument in writing signed by the
Company and the Subsidiaries.

     13. Severability. In the event that any provision of this Agreement shall
be held to be void or unenforceable in whole or in part, the remaining
provisions of this Agreement and the remaining portion of any provision held
void or unenforceable in part shall continue in full force and effect.

     14. Notice. Except as otherwise specifically provided herein, notice given
hereunder shall be deemed sufficient if delivered personally or sent by
registered or certified mail to the address of the party for whom intended at
the principal executive offices of such party, or at such other address as such
party may hereinafter specify by written notice to the other party.

     15. Obligations Joint and Several. Each Subsidiary shall be jointly and
severally liable and obligated hereunder with respect to each obligation,
responsibility and liability of the Subsidiaries, as if a direct obligation of
such Subsidiary.

                                       4

     16. No Waiver. No waiver by any party of any breach of any provision of
this Agreement shall be deemed a continuing waiver or a waiver of any preceding
or succeeding breach of such provision or of any other provision herein
contained.

     17. Governing Law. This Agreement shall be governed by the internal laws of
the State of New York.

                           [Signature Page to Follow]

                                       5

                                                                   EXHIBIT 10.12

     IN WITNESS WHEREOF, the parties hereto have executed this Agreement on the
day and year first above written.

                                        TAL INTERNATIONAL GROUP, INC.

                                        By: /s/ Brian M. Sondey
                                            ------------------------------------
                                            Name: Brian M. Sondey
                                            Title: Chief Executive Officer

                                        TAL INTERNATIONAL CONTAINER CORPORATION

                                        By: /s/ Brian M. Sondey
                                            ------------------------------------
                                            Name: Brian M. Sondey
                                            Title: President

                                        TRANS OCEAN LTD.

                                        By: /s/ Brian M. Sondey
                                            ------------------------------------
                                            Name: Brian M. Sondey
                                            Title: President

                                        TRANS OCEAN CONTAINER CORPORATION

                                        By: /s/ Brian M. Sondey
                                            ------------------------------------
                                            Name: Brian M. Sondey
                                            Title: President

                                        SPACEWISE INC.

                                        By: /s/ Brian M. Sondey
                                            ------------------------------------
                                            Name: Brian M. Sondey
                                            Title: President

                                        TRANS OCEAN REGIONAL CORPORATE HOLDINGS

                                        By: /s/ Brian M. Sondey
                                            ------------------------------------
                                            Name: Brian M. Sondey
                                            Title: President

                                        GREYBOX LOGISTICS SERVICES INC.

                                        By: /s/ Brian M. Sondey
                                            ------------------------------------
                                            Name: Brian M. Sondey
                                            Title: President

                                        INTERMODAL EQUIPMENT INC.

                                        By: /s/ Brian M. Sondey
                                            ------------------------------------
                                            Name: Brian M. Sondey
                                            Title: PresidentEXHIBIT 10.23

                                 AMENDMENT NO. 3

     AMENDMENT NO. 3 dated as of August 1, 2005 ("Amendment") among TAL
INTERNATIONAL GROUP, INC., a Delaware corporation (the "Company"), the lenders
party hereto (the "Lenders") and TRANSAMERICA ACCOUNTS HOLDING CORPORATION, as
Agent for the Lenders (the "Agent"), and amends the Credit Agreement dated as of
November 3, 2004 (as amended by Amendment No. 1 dated as of March 31, 2005, by
Amendment No. 2 dated as of May 14, 2005 and as further amended, restated,
supplemented or otherwise modified from time to time, the "Transamerica Credit
Agreement") among the Company, the Lenders and the Agent.

          WHEREAS, the Company and the Lenders desire to make certain amendments
to the Transamerica Credit Agreement, as more fully set forth herein.

          NOW THEREFORE, in consideration of the above premises and the mutual
covenants, conditions, and provisions hereinafter set forth, the parties hereto
agree as follows:

          Section 1. DEFINITIONS; CONSTRUCTION. Terms defined in the
Transamerica Credit Agreement and not otherwise defined herein are used herein
as therein defined. Unless the context of this Amendment clearly requires
otherwise, references to the plural include the singular, references to the
singular include the plural, the part includes the whole, the terms "include"
and "including" are not limiting, and the term "or" has the inclusive meaning
represented by the phrase "and/or".

          Section 2. AMENDMENTS.

          (a) AMENDMENT TO DEFINITION OF CREDIT AGREEMENT. The definition of
     "Credit Agreement" set forth in Section 1.1 of the Transamerica Credit
     Agreement is hereby amended and restated to read in its entirety as
     follows:

                ""CREDIT AGREEMENT" means that certain Amended and Restated
          Credit Agreement, dated as of August 1, 2005, among TAL International
          Container Corporation, Trans Ocean Ltd., Trans Ocean Container
          Corporation, the lenders party thereto (together with their successors
          and assigns) and Fortis Capital Corp., as administrative agent (in
          such capacity, together with its successors and assigns, the
          "ADMINISTRATIVE AGENT"), together with that certain Guaranty, dated as
          of August 1, 2005, issued by the Company in connection with the Credit
          Agreement, in each case, as amended, extended, renewed, restated,
          replaced, increased, supplemented or otherwise modified (in whole or
          in part, and without limitation as to amount, terms, conditions,
          covenants and other provisions) from time to time (whether upon or
          after termination or otherwise), and any agreement (and related
          document) governing Indebtedness incurred to Refinance or otherwise
          replace (including by means of sales of debt securities to
          institutional investors), in whole or in part, the borrowings and

          commitments then outstanding or permitted to be outstanding under such
          Credit Agreement or a successor Credit Agreement."

          (b) INSERTION OF A NEW DEFINITION OF INTERCREDITOR AGREMENT. Section
     1.1 of the Transamerica Credit Agreement is hereby amended to insert a new
     definition of "Intercreditor Agreement" in the appropriate alphabetical
     location, to read in its entirety as follows:

                ""INTERCREDITOR AGREEMENT" means that certain Amended and
          Restated Intercreditor Agreement, dated as of August 1, 2005, among
          the Company, certain of its Subsidiaries, Fortis Capital Corp. and the
          Agent."

          (c) INSERTION OF A NEW DEFINITION OF MASTER INDENTURE DOCUMENTS.
     Section 1.1 of the Transamerica Credit Agreement is hereby amended to
     insert a new definition of "Master Indenture Documents" in the appropriate
     alphabetical location, to read in its entirety as follows:

                ""MASTER INDENTURE DOCUMENTS" means that certain Indenture,
          dated as of August 1, 2005, between TAL Advantage and U.S. Bank
          National Association, as indenture trustee, and all other Transaction
          Documents (as such term is defined in such Indenture), in each case,
          as amended, extended, renewed, restated, replaced, increased,
          supplemented or otherwise modified (in whole or in part, and without
          limitation as to amount, terms, conditions, covenants and other
          provisions) from time to time (whether upon or after termination or
          otherwise)."

          (d) AMENDMENT TO DEFINITION OF PERMITTED INDEBTEDNESS. Clause (2) of
     the definition of "Permitted Indebtedness" set forth in Section 1.1 of the
     Transamerica Credit Agreement is hereby amended and restated to read in its
     entirety as follows:

               "(2) without duplication, each of (i) Indebtedness incurred from
          time to time pursuant to the Credit Agreement or Qualified Container
          Indebtedness in an aggregate principal amount for all such
          Indebtedness pursuant to this clause (i) not to exceed the Asset Base
          (as defined in the Credit Agreement as in effect on August 1, 2005) of
          the Senior Borrowers and (ii) Indebtedness incurred from time to time
          pursuant to the Master Indenture Documents in an aggregate principal
          amount not to exceed the Asset Base (as defined in the Master
          Indenture Documents as in effect on August 1, 2005) of TAL Advantage;"

          (e) AMENDMENT TO DEFINITION OF QUALIFIED CONTAINERS SUBSIDIARY. Clause
     (1) of the definition of "Qualified Containers Subsidiary" set forth in
     Section 1.1 of the Transamerica Credit Agreement is hereby amended by
     inserting the clause ", TAL Advantage" immediately following the clause
     "Trans Ocean Ltd." in the first line thereof.

                                       2

          (f) AMENDMENT TO DEFINITION OF QUALIFIED CONTAINERS TRANSACTION.
     Clause (a) of the definition of "Qualified Containers Transaction" set
     forth in Section 1.1 of the Transamerica Credit Agreement is hereby amended
     by inserting the clause "each of the transactions contemplated by the
     Master Indenture Documents and" immediately prior to the term "any" in the
     first line thereof.

          (g) INSERTION OF A NEW DEFINITION OF TAL ADVANTAGE. Section 1.1 of the
     Transamerica Credit Agreement is hereby amended to insert a new definition
     of "TAL Advantage" in the appropriate alphabetical location, to read in its
     entirety as follows:

               ""TAL ADVANTAGE" means TAL Advantage I LLC, a Delaware limited
          liability company."

          (h) AMENDMENT TO SECTION 6.4. Section 6.4 of the Transamerica Credit
     Agreement is hereby amended and restated to read in its entirety as
     follows:

               "The Company will not, and will not permit any of its Restricted
          Subsidiaries to, without the prior written consent of the Agent, enter
          into any amendment which is adverse to the Agent or the Lenders of (or
          permit any agreement in respect of debt that Refinances the debt
          incurred pursuant to the Credit Agreement to become effective the
          effect of which would impose on the Company terms that if implemented
          pursuant to an amendment to the Credit Agreement would be prohibited
          by this Section) any term of the Credit Agreement consisting of (i)
          clause (xvi) or (xvii) of the definition of "Permitted Dividend", (ii)
          the definition of "Designated Event of Default", (iii) Section 9.6,
          (iv) interest rates, fees, and aggregate principal amount of loans to
          be outstanding under the Credit Agreement, in each case in excess of
          the amounts contemplated by the definition of "Senior Debt" in the
          Intercreditor Agreement, and (v) amending the final maturity date of
          the indebtedness outstanding under the Credit Agreement to any date
          prior to August 1, 2008."

          Section 3. INTENTIONALLY OMITTED.

          Section 4. CONDITIONS PRECEDENT TO AMENDMENT. The satisfaction of each
of the following, unless waived by the Lenders, in their sole discretion, shall
constitute conditions precedent to the effectiveness of this Amendment:

          (a) No injunction, writ, restraining order, or other order of any
     nature prohibiting, directly or indirectly, the consummation of the
     transactions contemplated herein shall have been issued and remain in force
     by any governmental authority against the Company.

          Section 5. REPRESENTATIONS AND WARRANTIES. To induce the Lenders to
enter into this Amendment, the Company represents and warrants to the Lenders
that:

                                       3

          (a) Authority. The execution and delivery by the Company of this
     Amendment and the performance by the Company of its obligations under this
     Amendment (i) are within its corporate power and authority, (ii) have been
     duly authorized by all necessary corporate proceedings, (iii) do not
     conflict with or result in any breach or contravention of any material
     provision of applicable law, statute, rule or regulation to which the
     Company is subject or any judgment, order, writ, injunction, license or
     permit by which the Company is bound so as to materially adversely affect
     the assets, business or any activity of the Company, (iv) do not conflict
     with any provision of the certificate of incorporation or bylaws of the
     Company or any indenture, mortgage, deed of trust, credit agreement, loan
     agreement, or any other material agreement, contract or instrument binding
     upon the Company, (v) do not require any waivers, consents or approvals by
     any of its creditors which have not been obtained, or (vi) do not require
     any material approval which has not been obtained.

          (b) Enforceability of Obligations. This Amendment and the Transamerica
     Credit Agreement, as amended hereby, constitute the legal, valid and
     binding obligations of the Company enforceable against the Company in
     accordance with its terms, except to the extent that the enforceability
     thereof may be limited by applicable bankruptcy, insolvency, fraudulent
     convenyance, reorganization, moratorium or other similar laws generally
     affecting creditors' rights and by equitable principles (regardless of
     whether enforcement is sought in equity or at law).

          (c) No Event of Default. No Event of Default or Default has occurred
     and is continuing.

          Section 6. REFERENCE TO AND EFFECT ON LOAN DOCUMENTS.

          (a) Upon the effectiveness of this Amendment, on and after the date
     hereof, each reference in the Transamerica Credit Agreement to "this
     Agreement", "hereunder", "hereof" or words of like import, and each
     reference in the other Loan Documents to the Transamerica Credit Agreement,
     shall mean and be a reference to the Transamerica Credit Agreement as
     amended hereby;

          (b) Except as expressly set forth herein, this Amendment shall not by
     implication or otherwise limit, impair, constitute a waiver of, or
     otherwise affect the rights and remedies of the Company, the Lenders or the
     Agent under the Credit Agreement or any other Loan Document, and shall not
     alter, modify, amend or in any way affect any of the terms, conditions,
     obligations, covenants or agreements contained in the Transamerica Credit
     Agreement or any other Loan Document, all of which are ratified and
     affirmed in all respects and shall continue in full force and effect.

          (c) Nothing herein shall be deemed to entitle the Company, the Lenders
     or the Agent to a waiver, amendment, modification or other change of any of
     the terms, conditions, obligations, covenants or agreements contained in
     the Transamerica Credit Agreement or any other Loan Document in similar or
     differing circumstances.

          (d) This Amendment shall be a Loan Document for all purposes.

                                       4

          Section 7. BENEFITS OF AMENDMENT. The terms and provisions of this
Amendment shall be binding upon and inure to the benefit of the parties hereto
and their respective successors and assigns to the extent contemplated by the
Transamerica Credit Agreement.

          Section 8. INTERPRETATION. The Article and Section headings used in
this Amendment are for convenience of reference only and shall not affect the
construction hereof.

          Section 9. EXECUTION IN COUNTERPARTS. This Amendment may be executed
in any number of counterparts, each of which counterparts, when so executed and
delivered, shall be deemed to be an original and all of which counterparts,
taken together, shall constitute but one and the same Amendment. Faxed
signatures of this Amendment shall be binding for all purposes.

          Section 10. SEVERABILITY. If any provision of this Amendment shall be
held to be invalid, illegal or unenforceable under applicable law in any
jurisdiction, such provision shall be ineffective only to the extent of such
invalidity, illegality or unenforceability, which shall not affect any other
provisions hereof or the validity, legality and enforceability of such provision
in any other jurisdiction.

          Section 11. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY, AND
SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW
YORK WITHOUT REGARD TO THE PRINCIPLES OF CONFLICTS OF LAW.

          Section 12. EXPENSES. The Company agrees to pay the reasonable and
documented fees, expenses and disbursements of Gibson, Dunn & Crutcher LLP,
special counsel for the Agent, incurred in connection with the preparation,
negotiation, execution and delivery of this Amendment and that certain Amended
and Restated Intercreditor Agreement, dated as of the date hereof, among the
Agent, the Company and the other parties thereto.

          Section 13. NO COURSE OF DEALING. The execution and delivery of this
Amendment shall not establish a course of dealing among the Lenders and the
Agent, on the one hand, and the Company, on the other, or in any other way
obligate the Lenders to hereafter provide any further amendments, waivers, or
consents of any kind to the Company.

          Section 14. ARM'S LENGTH AGREEMENT. Each of the parties to this
Amendment agrees and acknowledges that this Amendment has been negotiated in
good faith, at arm's length, and not by any means forbidden by law.

          Section 15. ENTIRE AGREEMENT. This Amendment together with all other
instruments, agreements, and certificates executed by the parties in connection
herewith or with reference thereto, embody the entire understanding and
agreement between the parties hereto and thereto with respect to the subject
matter hereof and thereof and supercede all prior agreements, understandings,
and inducements, whether express or implied, oral or written.

                           [Signature page to follow.]

                                       5

          IN WITNESS WHEREOF, the parties have caused this Amendment to be
executed and delivered as of the date first above written.

                                      TAL INTERNATIONAL GROUP, INC.

                                      By: /s/ Brian M. Sondey
                                          --------------------------------------
                                      Name: Brian M. Sondey
                                      Title: Chief Executive Officer

                                      TRANSAMERICA ACCOUNTS HOLDING CORPORATION,
                                      AS AGENT AND SOLE LENDER

                                      By: /s/ Ernest Kranich
                                          --------------------------------------
                                      Name: Ernest Kranich
                                      Title: Vice President

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