UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549





FORM
10-K







|☒ | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
|- | ------------------------------------------------------------------------------------

For the fiscal year ended December 31, 2016

or



|☐ | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
|- | ----------------------------------------------------------------------------------------

For transition period
from 
to





AMERICAN
EXPRESS CREDIT ACCOUNT MASTER TRUST

(Exact name of Issuing Entity as specified in its charter)







|                                                           |  |                                                          
|---------------------------------------------------------- |  | ---------------------------------------------------------
|American Express
Receivables
Financing Corporation III
LLC |  | American Express
Receivables
Financing Corporation IV
LLC
|(Exact name of Depositor
as specified in its charter)      |  | (Exact name of Depositor
as specified in its charter)    



|                                                    |  |                                                    
|--------------------------------------------------- |  | ---------------------------------------------------
|American Express
Centurion Bank                     |  | American Express
Bank, FSB                         
|(Exact name of Sponsor as
specified in its charter) |  | (Exact name of Sponsor as
specified in its charter)

Commission File Number of Issuing Entity: 000-20787-07

Central Index Key Number of Issuing Entity: 0001003509



|                                       |  |                                       
|-------------------------------------- |  | --------------------------------------
|Commission File Number
of Depositor:   |  | Commission File Number
of Depositor:  
|333-113579-02                          |  | 333-113579-01                         
|                                       | 
|Central Index Key Number
of Depositor: |  | Central Index Key Number
of Depositor:
|0001283434                             |  | 0001283435                            

|                                     |  |                                     
|------------------------------------ |  | ------------------------------------
|                                     | 
|Central Index Key Number
of Sponsor: |  | Central Index Key Number
of Sponsor:
|0000949348                           |  | 0001647722                          



|                                                                                      |  |                                                              
|------------------------------------------------------------------------------------- |  | -------------------------------------------------------------
|New York                                                                              |  | Not Applicable                                               
|(State or other Jurisdiction of
Incorporation or Organization
of the Issuing Entity)  |  | (I.R.S. Employer
Identification Number of
the Issuing Entity)
|                                                                                      | 
|c/o The Bank of New York Mellon
Corporate Trust 101
Barclay Street New York, New York |  | 10286                                                        
|(Address of the Principal Executive Offices
of the Issuing Entity)                    |  | (Zip Code of the
Issuing Entity)                             

(212) 815-6258

(Telephone Number, including area code

of the Issuing Entity,

c/o
The Bank of New York Mellon)

Securities registered pursuant to Section 12(b) of the Act: None

Securities registered pursuant to Section 12(g) of the Act: None





Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities
Act.    YES  ☐    NO  ☒

Indicate by check mark if the registrant is not required
to file reports pursuant to Section 13 or Section 15(d) of the Act.    YES  ☐    NO  ☒

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act
of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90
days.    YES  ☒    NO  ☐

Indicate by check mark whether the registrant has
submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§229.405 of this chapter) during the preceding 12 months (or for such
shorter period that the registrant was required to submit and post such files).    YES  ☐    NO  ☐ [Rule 405 of Regulation S-T is not applicable.]

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§229.405 of this chapter) is not contained herein,
and will not be contained, to the best of registrants knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.  ☒

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See
the definitions of large accelerated filer, accelerated filer and smaller reporting company in Rule 12b-2 of the Exchange Act. (Check one):



|                        |  |                                                  |  |                           |  |  
|----------------------- |  | ------------------------------------------------ |  | ------------------------- |  | -
|Large accelerated filer |  | ☐                                                |  | Accelerated filer         |  | ☐
|                        |  |                                                  | 
|Non-accelerated filer   |  | ☒  (Do not check if a smaller reporting company) |  | Smaller reporting company |  | ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the
Act).    YES  ☐    NO  ☒

Registrant has no voting or non-voting common equity
outstanding held by non-affiliates.







DOCUMENTS
INCORPORATED BY REFERENCE: NONE









---

PART I

The following Items have been omitted in accordance with General Instruction J to Form 10-K:



|Item 1. | Business.
|------- | ---------



|Item 1A. | Risk Factors.
|-------- | -------------



|Item 2. | Properties.
|------- | -----------



|Item 3. | Legal Proceedings.
|------- | ------------------



|Item 1B. | Unresolved Staff Comments.
|-------- | --------------------------

Not Applicable.



|Item 4. | Mine Safety Disclosures.
|------- | ------------------------

Not Applicable.

Substitute Information provided in accordance with General Instruction J to Form 10-K:

Item 1112(b) of Regulation AB: Significant obligors of pool assets (Financial information).

The pool assets held by the American Express Credit Account Master Trust (the Trust) do not include any significant obligors.

Item 1114(b)(2) of Regulation AB: Credit enhancement and other support, except for certain derivatives instruments (Financial information).

Based on the standards set forth in Item 1114(b) of Regulation AB, no information is required in response to this Item.

Item 1115(b) of Regulation AB: Certain derivatives instruments (Financial information).

Based on the standards set forth in Item 1115(b) of Regulation AB, no information is required in response to this Item.

Item 1117 of Regulation AB: Legal proceedings.

In the ordinary course of business, American Express Company and its subsidiaries (the Company) are subject to various pending and
potential legal actions, arbitration proceedings, claims, investigations, examinations, information gathering requests, subpoenas, inquiries and matters relating to compliance with laws and regulations (collectively, legal proceedings).

In 2010, the DOJ, along with Attorneys General from Arizona, Connecticut, Hawaii (Hawaii has since withdrawn its claim), Idaho, Illinois,
Iowa, Maryland, Michigan, Missouri, Montana, Nebraska, New Hampshire, Ohio, Rhode Island, Tennessee, Texas, Utah and Vermont filed a complaint in the U.S. District Court for the Eastern District of New York against the Company, MasterCard
International Incorporated and Visa, Inc., alleging a violation of Section 1 of the Sherman Antitrust Act (the DOJ case). The complaint included allegations that provisions in the Companys merchant agreements prohibiting merchants from
steering a customer to use another networks card or another type of general-purpose card (anti-steering and non-discrimination contractual provisions) violate the antitrust
laws. The complaint sought a judgment permanently enjoining the Company from enforcing its non-discrimination contractual provisions. The complaint did not seek monetary damages.

Following a non-jury trial in the DOJ case, the trial court found that the challenged
provisions were anticompetitive and on April 30, 2015, the court issued a final judgment entering a permanent injunction. Following the Companys appeal of this judgment, on September 26, 2016, the Court of Appeals for the Second
Circuit reversed the trial court decision and directed the trial court to enter a judgment for American Express. Following denial of rehearingen banc by the Court of Appeals for the Second Circuit, the trial court entered judgment
for the Company on January 25, 2017. The DOJ and states may seek further review by the U.S. Supreme Court.



---

In addition to the DOJ case, individual merchant cases and a putative class action, collectively
captioned In re: American Express Anti-Steering Rules Antitrust Litigation (II), are pending in the Eastern District of New York against the Company alleging that its anti-steering provisions in merchant card acceptance agreements
violate U.S. antitrust laws. The individual merchant cases seek damages in unspecified amounts and injunctive relief. These matters, including a trial previously scheduled in the individual merchant cases, had been stayed pending resolution of the
appeal in the DOJ case. Further proceedings are anticipated.

Individual merchants have initiated arbitration proceedings raising similar
claims concerning the anti-steering provisions in the Companys card acceptance agreements and seeking damages. The Company is vigorously defending against those claims.

In July 2004, the Company was named as a defendant in another putative class action filed in the Southern District of New York and
subsequently transferred to the Eastern District of New York, captioned The Marcus Corporation v. American Express Company, et al., in which the plaintiffs allege an unlawful antitrust tying arrangement between certain of the
Companys charge cards and credit cards in violation of various state and federal laws. The plaintiffs in this action seek injunctive relief and an unspecified amount of damages. In December 2013, the Company announced a proposed settlement of
the Marcus case and the putative class action challenging its anti-steering provisions. The settlement, which provides for certain injunctive relief for the proposed classes, received preliminary approval in the United States
District Court for the Eastern District of New York. On August 4, 2015, the court denied final approval of the settlement; further proceedings are anticipated.

On March 8, 2016, plaintiffs B&R Supermarket, Inc. d/b/a Milams Market and Grove Liquors LLC, on behalf of themselves and
others, filed a suit, captioned B&R Supermarket, Inc. d/b/a Milams Market, et al. v. Visa Inc., et al., for violations of the Sherman Antitrust Act, the Clayton Antitrust Act, Californias Cartwright Act and unjust
enrichment in the United States District Court for the Northern District of California, against the Company, other credit and charge card networks, other issuing banks and EMVCo, LLC. Plaintiffs allege that the defendants, through EMVCo, conspired
to shift liability for fraudulent, faulty and otherwise rejected consumer credit card transactions from themselves to merchants after the implementation of EMV chip payment terminals. Plaintiffs seek damages and injunctive relief. On June 24,
2016, the court granted the Companys motion to transfer to the Southern District of New York the claims brought against the Company by merchants who accept American Express cards. The court also granted plaintiffs leave to file an
amended complaint and, on September 30, 2016, denied the Companys motion to dismiss as to claims brought by merchants who do not accept American Express cards.

PART II

The following Items have been
omitted in accordance with General Instruction J to Form 10-K:



|Item 5. | Market for Registrants Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities.
|------- | -------------------------------------------------------------------------------------------------------------



|Item 6. | Selected Financial Data.
|------- | ------------------------



|Item 7. | Managements Discussion and Analysis of Financial Condition and Results of Operations.
|------- | --------------------------------------------------------------------------------------



|Item 7A. | Quantitative and Qualitative Disclosures About Market Risk.
|-------- | -----------------------------------------------------------



|Item 8. | Financial Statements and Supplementary Data.
|------- | --------------------------------------------



|Item 9. | Changes in and Disagreements with Accountants on Accounting and Financial Disclosure.
|------- | -------------------------------------------------------------------------------------



|Item 9A. | Controls and Procedures.
|-------- | ------------------------

Item 9B. Other Information.

Not Applicable.



---

PART III

The following Items have been omitted in accordance with General Instruction J to Form 10-K:



|Item 10. | Directors, Executive Officers and Corporate Governance.
|-------- | -------------------------------------------------------



|Item 11. | Executive Compensation.
|-------- | -----------------------



|Item 12. | Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters.
|-------- | -----------------------------------------------------------------------------------------------



|Item 13. | Certain Relationships and Related Transactions, and Director Independence.
|-------- | --------------------------------------------------------------------------



|Item 14. | Principal Accountant Fees and Services.
|-------- | ---------------------------------------

Substitute Information provided in accordance with General
Instruction J to Form 10-K:

Item 1119 of Regulation AB: Affiliations and Certain Relationships and
Related Transactions.

Information required by Item 1119 of Regulation AB has been omitted from this report on Form 10-K in reliance on the Instruction to Item 1119.

Item 1122 of Regulation AB: Compliance with Applicable
Servicing Criteria.

Each of American Express Travel Related Services Company, Inc. (TRS) (for itself and on behalf of its
wholly owned subsidiaries American Express Centurion Bank and American Express Bank, FSB), TransCentra, Inc. (formerly known as Regulus Group LLC) (TransCentra) (for itself and its wholly owned subsidiaries), and The Bank of New York
Mellon (each, a Servicing Participant) has been identified by the registrant as a party participating in the servicing function with respect to the pool assets held by the American Express Credit Account Master Trust for the period
covered by this Form 10-K. Each of the Servicing Participants has completed a report on an assessment of compliance with the servicing criteria applicable to such Servicing Participant (each, a Report on
Assessment) as of and for the year ended December 31, 2016, which Reports on Assessment are attached as exhibits to this Form 10-K. In addition, each of the Servicing Participants has provided an
attestation report (each, an Attestation Report) by a registered independent public accounting firm regarding its related Report on Assessment. Each Attestation Report is attached as an exhibit to this Form
10-K.

Vendors

A Servicing Participant may engage one or more vendors, who are not considered servicers for purposes of Regulation AB, to perform specific and
limited, or scripted activities that address all or a portion of one or more servicing criteria applicable to such Servicing Participant. In general in these cases, the Servicing Participant has instituted policies and procedures to monitor whether
such vendors activities comply in all material respects with such servicing criteria, and may elect to take responsibility for assessing compliance with the servicing criteria applicable to such vendors activities in such Servicing
Participants Report on Assessment.

Where the Servicing Participant has not instituted such policies and procedures, or where the
Servicing Participant does not otherwise elect to take responsibility for assessing its vendors activities, the vendor is itself treated as a Servicing Participant and is required to provide its own Report on Assessment and related Attestation
Report.

Exceptions

No Report on
Assessment or related Attestation Report has identified any material instance of noncompliance with the servicing criteria identified in such Report on Assessment as applicable to the related Servicing Participant. In addition, no Report on
Assessment or related Attestation Report has identified any material deficiency in such Servicing Participants policies and procedures to monitor vendor compliance.

Platform Level Reports

Regulations of
the Securities and Exchange Commission (the SEC) require that each Servicing Participant complete a Report on Assessment at a platform level, meaning that the transactions covered by the Report on Assessment should include
all asset-backed securities transactions involving such Servicing Participant that are backed by the same asset type. During 2016, TRS



---

proprietary facilities conducted paper payment remittance processing services and performed billing dispute services. TransCentra also performed paper payment remittance processing services at
three locations in the United States. As a remittance processor, TransCentra is responsible for, among other services, transmitting payment information to TRS, which TRS in turn uses to update its account obligor records. In its Report on Assessment
attached as Exhibit 33.2 to this Form 10-K, TransCentra defines its platform to include (i) remittance processing services it provides to customers who are issuers or servicers of asset-backed securities
transactions and (ii) who have requested confirmation of TransCentras compliance in connection with loan and/or receivables portfolios that include pool assets for asset backed securities transactions. In addition, eFunds Corporation
(eFunds), a wholly owned subsidiary of Fidelity National Information Services, Inc., also performs billing dispute services at its Gurgaon and Mumbai, India sites. Within guidelines prescribed by TRS, eFunds is responsible for all
aspects of billing disputes, from front end capture of information to the resolution of disputes between Card Members and merchants. The Bank of New York Mellon is Trustee of the Trust. In its Report on Assessment attached as Exhibit 33.3 to this
Form 10-K, The Bank of New York Mellon defines its platform to include publicly issued (i.e., transaction-level reporting initially required under the Securities Exchange Act of 1934, as amended) asset-backed
securities issued on or after January 1, 2006 (and like-kind transactions issued prior to January 1, 2006), that are subject to Regulation AB for which The Bank of New York Mellon provides trustee, securities administration, paying agent
or custodial services, as defined and to the extent applicable in the transaction agreements, other than residential mortgage-backed securities and other mortgage-related asset-backed securities.

None of TRS or the Trust is an affiliate of TransCentra or The Bank of New York Mellon.

Item 1123 of Regulation AB: Servicer Compliance Statement.

Each of TRS, American Express Centurion Bank, American Express Bank, FSB and TransCentra has been identified by the registrant as a servicer or
subservicer with respect to the pool assets held by the Trust for the period covered by this Form 10-K. Each of them has provided a Statement of Compliance for the period covered by this Form 10-K (a Compliance Statement), in each case signed by an authorized officer thereof. Each Compliance Statement is attached as an exhibit to this Form 10-K.

PART IV

Item 15. Exhibits and
Financial Statement Schedules.



| |  |     |  |                                                                                               |  |                                                                                              
| |  | --- |  | --------------------------------------------------------------------------------------------- |  | ---------------------------------------------------------------------------------------------
| |  | (a) |  | (1)                                                                                           |  | Not applicable.                                                                              
| |  |     | 
| |  |     |  | (2)                                                                                           |  | Not applicable.                                                                              
| |  |     | 
| |  |     |  | (3)                                                                                           |  | The exhibits filed in response to Item 601 of Regulation S-K are listed in the Exhibit Index.
| |  |    
| |  | (b) |  | The exhibits filed in response to Item 601 of Regulation S-K are listed in the Exhibit Index.
| |  |    
| |  | (c) |  | Not applicable.                                                                              



---

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrants have duly caused this report to be signed on
their behalf by the undersigned, thereunto duly authorized.



AMERICAN EXPRESS CREDIT ACCOUNT MASTER TRUSTBy:

AMERICAN EXPRESS RECEIVABLES FINANCING CORPORATION III LLC,
DepositorBy:

/s/ Denise D. RobertsName:

Denise D. RobertsTitle:

President (senior officer in charge of
securitization)By:

AMERICAN EXPRESS RECEIVABLES FINANCING CORPORATION IV LLC,
DepositorBy:

/s/ Denise D. RobertsName:

Denise D. RobertsTitle:

President (senior officer in charge of
securitization)


Dated: March 27, 2017



---

EXHIBIT INDEX

The following exhibits are filed as part of this Annual Report or, where indicated, were heretofore filed and are hereby incorporated by reference (*
indicates exhibits electronically filed herewith).



|     |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|---- |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|     | 
|3.1  |  | Amended and Restated Limited Liability Company Agreement of American Express Receivables Financing Corporation III LLC (incorporated by reference to Exhibit 3.1 of Form S-3/A, filed
April 20, 2004, File No. 333-113579).                                                                                                                                                                                                                                                            
|     | 
|3.2  |  | Amended and Restated Limited Liability Company Agreement of American Express Receivables Financing Corporation IV LLC (incorporated by reference to Exhibit 3.2 of Form S-3/A, filed
April 20, 2004, File No. 333-113579).                                                                                                                                                                                                                                                             
|     | 
|4.1  |  | Third Amended and Restated Pooling and Servicing Agreement, dated as of July 20, 2016, among American Express Receivables Financing Corporation III LLC and American Express Receivables Financing Corporation IV LLC, as
transferors, American Express Travel Related Services Company, Inc., as servicer, and The Bank of New York Mellon, as trustee and securities intermediary (incorporated by reference to Exhibit 4.1 of Form 8-K,
dated July 20, 2016, File No. 000-20787-07).
|     | 
|4.2  |  | Amended and Restated Receivables Purchase Agreement, dated as of July 20, 2016, between American Express Centurion Bank and American Express Receivables Financing Corporation III LLC (incorporated by reference to Exhibit 4.3 of
Form 8-K, dated July 20, 2016, File No. 000-20787-07).                                                                                                                                                                                             
|     | 
|4.3  |  | Amended and Restated Receivables Purchase Agreement, dated as of July 20, 2016, between American Express Bank, FSB and American Express Receivables Financing Corporation IV LLC (incorporated by reference to Exhibit 4.4 of Form 8-K, dated July 20, 2016, File No. 000-20787-07).                                                                                                                                                                                                   
|     | 
|4.4  |  | Series 2008-2 Supplement, dated as of February 22, 2008, supplementing the Pooling and Servicing Agreement, dated May 16, 1996, as amended and restated January 1, 2006, as
amended from time to time (incorporated by reference to Exhibit 4.1 of Form 8-K, dated February 22, 2008, File
No. 000-20787-07).                                                                                                                                                                          
|     | 
|4.5  |  | Series 2012-1 Supplement, dated as of June 22, 2012, supplementing the Pooling and Servicing Agreement, dated May 16, 1996, as amended and restated January 1, 2006, as amended
from time to time (incorporated by reference to Exhibit 4.1 of Form 8-K, dated June 22, 2012, File
No. 000-20787-07).                                                                                                                                                                                  
|     | 
|4.6  |  | Series 2012-4 Supplement, dated as of November 8, 2012, supplementing the Pooling and Servicing Agreement, dated May 16, 1996, as amended and restated January 1, 2006, as
amended from time to time (incorporated by reference to Exhibit 4.1 of Form 8-K, dated November 8, 2012, File
No. 000-20787-07).                                                                                                                                                                            
|     | 
|4.7  |  | Series 2013-1 Supplement, dated as of July 25, 2013, supplementing the Pooling and Servicing Agreement, dated May 16, 1996, as amended and restated January 1, 2006, as amended
from time to time (incorporated by reference to Exhibit 4.1 of Form 8-K, dated July 25, 2013, File
No. 000-20787-07).                                                                                                                                                                                  
|     | 
|4.8  |  | Series 2013-2 Supplement, dated as of November 13, 2013, supplementing the Pooling and Servicing Agreement, dated May 16, 1996, as amended and restated January 1, 2006, as
amended from time to time (incorporated by reference to Exhibit 4.1 of Form 8-K, dated November 13, 2013, File
No. 000-20787-07).                                                                                                                                                                          
|     | 
|4.9  |  | Series 2014-1 Supplement, dated as of May 19, 2014, supplementing the Pooling and Servicing Agreement, dated May 16, 1996, as amended and restated January 1, 2006, as amended
from time to time (incorporated herein by reference to Exhibit 4.1 of Form 8-K, dated May 19, 2014, File
No. 000-20787-07).                                                                                                                                                                             
|     | 
|4.10 |  | Series 2014-2 Supplement, dated as of July 1, 2014, supplementing the Pooling and Servicing Agreement, dated May 16, 1996, as amended and restated January 1, 2006, as amended
from time to time (incorporated herein by reference to Exhibit 4.1 of Form 8-K, dated July 1, 2014, File
No. 000-20787-07).                                                                                                                                                                             
|     | 
|4.11 |  | Series 2014-3 Supplement, dated as of September 22, 2014, supplementing the Pooling and Servicing Agreement, dated May 16, 1996, as amended and restated January 1, 2006, as
amended from time to time (incorporated herein by reference to Exhibit 4.1 of Form 8-K, dated September 22, 2014, File
No. 000-20787-07).                                                                                                                                                                 
|     | 
|4.12 |  | Series 2014-4 Supplement, dated as of November 19, 2014, supplementing the Pooling and Servicing Agreement, dated May 16, 1996, as amended and restated January 1, 2006, as
amended from time to time (incorporated herein by reference to Exhibit 4.1 of Form 8-K, dated November 19, 2014, File
No. 000-20787-07).                                                                                                                                                                   



---

|      |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|----- |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|      | 
|4.13  |  | Series 2014-5 Supplement, dated as of November 19, 2014, supplementing the Pooling and Servicing Agreement, dated May 16, 1996, as amended and restated January 1, 2006, as
amended from time to time (incorporated herein by reference to Exhibit 4.2 of Form 8-K, dated November 19, 2014, File
No. 000-20787-07).                                                                                                                                           
|      | 
|4.14  |  | Series 2015-1 Supplement, dated as of July 20, 2015, supplementing the Pooling and Servicing Agreement, dated May 16, 1996, as amended and restated January 1, 2006, as amended
from time to time (incorporated herein by reference to Exhibit 4.1 of Form 8-K, dated July 20, 2015, File
No. 000-20787-07).                                                                                                                                                   
|      | 
|4.15  |  | Series 2016-E-I Supplement, dated as of June 7, 2016, supplementing the Pooling and Servicing Agreement, dated May 16, 1996, as amended and
restated January 1, 2006, as amended from time to time (incorporated herein by reference to Exhibit 4.01 of Form 8-K, dated June 7, 2016, File No. 000-20787-07).                                                                                                                                                  
|      | 
|4.16  |  | Series 2016-E-II Supplement, dated as of June 7, 2016, supplementing the Pooling and Servicing Agreement, dated May 16, 1996, as amended and
restated January 1, 2006, as amended from time to time (incorporated herein by reference to Exhibit 4.02 of Form 8-K, dated June 7, 2016, File No. 000-20787-07).                                                                                                                                                 
|      | 
|4.17  |  | Series 2017-1 Supplement, dated as of February 21, 2017, supplementing the Third Amended and Restated Pooling and Servicing Agreement, dated as of July 20, 2016, as amended from time
to time (incorporated herein by reference to Exhibit 4.1 of Form 8-K, dated February 21, 2017, File
No. 000-20787-07).                                                                                                                                                  
|      | 
|4.18  |  | Series 2017-2 Supplement, dated as of February 21, 2017, supplementing the Third Amended and Restated Pooling and Servicing Agreement, dated as of July 20, 2016, as amended from time
to time (incorporated herein by reference to Exhibit 4.2 of Form 8-K, dated February 21, 2017, File
No. 000-20787-07).                                                                                                                                                  
|      | 
|4.19  |  | Omnibus Amendment to Group II Series Supplements, dated as of October 2, 2009, among American Express Receivables Financing Corporation II, American Express Receivables Financing Corporation III LLC, American Express
Receivables Financing Corporation IV LLC, American Express Travel Related Services Company, Inc. and The Bank of New York Mellon (incorporated by reference to Exhibit 4.3 of Form 8-K, dated October 2,
2009, File No. 000-20787-07).
|      | 
|4.20  |  | Omnibus Amendment to Series Supplements, dated as of January 29, 2014, among American Express Receivables Financing Corporation II, American Express Receivables Financing Corporation III LLC, American Express Receivables
Financing Corporation IV LLC, American Express Travel Related Services Company, Inc. and The Bank of New York Mellon (incorporated by reference to Exhibit 4.2 of Form 8-K, dated January 29, 2014, File No. 000-20787-07).       
|      | 
|4.21  |  | Omnibus Amendment to Series Supplements, dated as of July 20, 2016, among American Express Receivables Financing Corporation II, American Express Receivables Financing Corporation III LLC, American Express Receivables Financing
Corporation IV LLC, American Express Travel Related Services Company, Inc. and The Bank of New York Mellon (incorporated by reference to Exhibit 4.2 of Form 8-K, dated July 20, 2016, File No. 000-20787-07).             
|      | 
|10.1  |  | Asset Representations Review Agreement, dated as of July 20, 2016, among American Express Receivables Financing Corporation III LLC, American Express Receivables Financing Corporation IV LLC, American Express Travel Related
Services Company, Inc. and Clayton Fixed Income Services LLC (incorporated by reference to Exhibit 10.1 of Form 8-K, dated July 20, 2016, File No. 000-20787-07).                                                              
|      | 
|10.2  |  | First Amendment to Asset Representations Review Agreement, dated as of February 21, 2017, among American Express Receivables Financing Corporation III LLC, American Express Receivables Financing Corporation IV LLC, American
Express Travel Related Services Company, Inc. and Clayton Fixed Income Services LLC (incorporated by reference to Exhibit 10.1 of Form 8-K, dated February 21, 2017, File No. 000-20787-07).                                   
|      | 
|31.1* |  | Certification of Denise D. Roberts pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 for the period from and including January 1, 2016 to and including December 31, 2016.                                                                                                                                                                                                                                                                             
|      | 
|31.2* |  | Certification of Denise D. Roberts pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 for the period from and including January 1, 2016 to and including December 31, 2016.                                                                                                                                                                                                                                                                             
|      | 
|33.1* |  | Report on Assessment of Compliance with Servicing Criteria of American Express Travel Related Services Company, Inc., American Express Centurion Bank and American Express Bank, FSB.                                                                                                                                                                                                                                                                          
|      | 
|33.2* |  | Report on Assessment of Compliance with Servicing Criteria of TransCentra, Inc.                                                                                                                                                                                                                                                                                                                                                                                
|      | 
|33.3* |  | Report on Assessment of Compliance with Servicing Criteria of The Bank of New York Mellon.                                                                                                                                                                                                                                                                                                                                                                     



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|      |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|----- |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|34.1* |  | Attestation Report of PricewaterhouseCoopers LLP on Assessment of Compliance with Servicing Criteria relating to American Express Travel Related Services Company, Inc.                                                                                                                                                                                                                                                                                        
|      | 
|34.2* |  | Attestation Report of Porter Keadle Moore LLC on Assessment of Compliance with Servicing Criteria relating to TransCentra, Inc.                                                                                                                                                                                                                                                                                                                                
|      | 
|34.3* |  | Attestation Report of KPMG on Assessment of Compliance with Servicing Criteria relating to The Bank of New York Mellon.                                                                                                                                                                                                                                                                                                                                        
|      | 
|35.1* |  | Servicer Compliance Statement of American Express Travel Related Services Company, Inc.                                                                                                                                                                                                                                                                                                                                                                        
|      | 
|35.2* |  | Servicer Compliance Statement of TransCentra, Inc.                                                                                                                                                                                                                                                                                                                                                                                                             
|      | 
|35.3* |  | Servicer Compliance Statement of American Express Centurion Bank.                                                                                                                                                                                                                                                                                                                                                                                              
|      | 
|35.4* |  | Servicer Compliance Statement of American Express Bank, FSB.                                                                                                                                                                                                                                                                                                                                                                                                   
|      | 
|99.1  |  | Second Amended and Restated Supplemental Servicing Agreement, dated as of July 20, 2016, among American Express Travel Related Services Company, Inc., American Express Centurion Bank, American Express Bank, FSB, American
Express Receivables Financing Corporation III LLC and American Express Receivables Financing Corporation IV LLC (incorporated by reference to Exhibit 4.5 of Form 8-K, dated July 20, 2016, File No, 000-20787-07).               
|      | 
|99.2  |  | Amended and Restated Defaulted Receivables Supplemental Servicing Agreement, dated as of July 20, 2016, among American Express Travel Related Services Company, Inc., American Express Centurion Bank, American Express Bank, FSB,
American Express Receivables Financing Corporation III LLC and American Express Receivables Financing Corporation IV LLC (incorporated by reference to Exhibit 4.6 of Form 8-K, dated July 20, 2016, File No. 000-20787-07).
|      | 
|99.3  |  | Remittance Processing Services Agreement between American Express Travel Related Services Company, Inc. and Regulus West LLC (incorporated by reference to Exhibit 4.8 of Form S-3/A filed
March 30, 2006, File No. 333-130508-01).                                                                                                                                                                                                                            
|      | 
|99.4  |  | Amendment No. 1, dated July 1, 2000, between American Express Travel Related Services Company, Inc. and Regulus West LLC (incorporated by reference to Exhibit 4.8 of Form S-3/A filed
March 30, 2006, File No. 333-130508-01).                                                                                                                                                                                                                                
|      | 
|99.5  |  | Amendment No. 2, dated June 1, 2002, between American Express Travel Related Services Company, Inc. and Regulus West LLC (incorporated by reference to Exhibit 4.8 of Form S-3/A filed
March 30, 2006, File No. 333-130508-01).                                                                                                                                                                                                                                
|      | 
|99.6  |  | Amendment Agreement Number FLL-05-6-MP01-03, dated October 24,
2005, between American Express Travel Related Services Company, Inc. and Regulus West LLC (incorporated by reference to Exhibit 4.8 of Form S-3/A filed March 30, 2006, File
No. 333-130508-01).                                                                                                                                                                                                
|      | 
|99.7  |  | Amendment Agreement Number FLL-05-6-MP01-04, dated March 22, 2006,
between American Express Travel Related Services Company, Inc. and Regulus West LLC (incorporated by reference to Exhibit 4.8.1 of Form S-3/A, filed March 23, 2006, File No. 333-130508-01).                                                                                                                                                                                               
|      | 
|99.8  |  | Amendment Agreement Number FLL-05-6-MP01-05, dated March 29, 2006,
between American Express Travel Related Services Company, Inc. and Regulus West LLC (incorporated by reference to Exhibit 4.8.2 of Form S-3, filed March 30, 2006, File No. 333-130508-01).                                                                                                                                                                                                 
|      | 
|99.9  |  | Amendment Agreement Number NYC-0-06-2807, dated August 18, 2006, between American Express Travel Related
Services Company, Inc. and Regulus West LLC (incorporated by reference to Exhibit 4.8.3 of Form S-3/A filed January 30, 2009, File
No. 333-155765-03).                                                                                                                                                                                                
|      | 
|99.10 |  | Amendment Number NYC-0-06-3581, dated on or about November 15, 2006, between American Express Travel
Related Services Company, Inc. and Regulus West LLC (incorporated by reference to Exhibit 10.1 of Form 8-K, dated October 30, 2009, File
No. 000-20787-07).                                                                                                                                                                                               
|      | 
|99.11 |  | Amendment Number NYC-0-06-2162-02, dated October 30, 2009, between
American Express Travel Related Services Company, Inc. and Regulus West LLC (incorporated by reference to Exhibit 10.1 of Form 8-K, dated October 30, 2009, File No. 000-20787-07).                                                                                                                                                                                                         
|      | 
|99.12 |  | Amendment Agreement Number AMEND-CW170596, dated October 30, 2010, between American Express Travel Related Services Company, Inc. and Regulus West LLC (incorporated by reference to Exhibit 4.8.9 of Form S-3, filed February 2, 2012, File No. 333-179309-03).                                                                                                                                                                                               



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|----- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|      | 
|99.13 |  | Amendment Agreement Number AMEND-CW2423241, dated as of October 30, 2016, between American Express Travel Related Services Company, Inc. and Regulus West LLC (incorporated by reference to Exhibit 10.1 of Form 8-K, dated October 30, 2016, File No. 000-20787-07).  
|      | 
|99.14 |  | Amendment Agreement Number AMEND-CW2428684, dated as of January 30, 2017, between American Express Travel Related Services Company, Inc. and Regulus West LLC (incorporated by reference to Exhibit 10.1 of Form 8-K, dated January 30, 2017, File No. 000-20787-07).  
|      | 
|99.15 |  | Amendment Agreement Number AMEND-CW2392916, dated as of February 23, 2017, between American Express Travel Related Services Company, Inc. and Regulus West LLC (incorporated by reference to Exhibit 10.1 of Form 8-K, dated February 23, 2017, File No. 000-20787-07).