UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549





FORM 10-K



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

For the fiscal year ended December 31, 2012

or



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

For transition period from  to

Commission File Number of Issuing
Entity: 333-179309





AMERICAN EXPRESS CREDIT ACCOUNT MASTER TRUST

(Issuing Entity in respect of the Certificates)



|                                                      |  |                                                            |  |                                                          
|----------------------------------------------------- |  | ---------------------------------------------------------- |  | ---------------------------------------------------------
|AMERICAN EXPRESS RECEIVABLES FINANCING
CORPORATION II |  | AMERICAN EXPRESS RECEIVABLES FINANCING
CORPORATION III LLC |  | AMERICAN EXPRESS RECEIVABLES FINANCING
CORPORATION IV LLC

(Exact name of Depositors as specified in their respective charters)



|                                |  |                           
|------------------------------- |  | --------------------------
|AMERICAN EXPRESS CENTURION BANK |  | AMERICAN EXPRESS BANK, FSB

(Exact name of Sponsors as specified in their respective charters)



|                                                                                       |  |                                                              
|-------------------------------------------------------------------------------------- |  | -------------------------------------------------------------
|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  x

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  x

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  x    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.    x

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   |  | x  (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  x

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





DOCUMENTS
INCORPORATED BY REFERENCE: NONE









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



| | Not Applicable.
| | ---------------



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



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



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

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.

American Express Company and its subsidiaries (American Express) are involved in a number of legal and
arbitration proceedings, including class actions.

On October 4, 2010, the U.S. Department of Justice (DOJ),
along with Attorneys General from Connecticut, Iowa, Maryland, Michigan, Missouri, Ohio and Texas, filed a complaint in the U.S. District Court for the Eastern District of New York against American Express, MasterCard International Incorporated and
Visa, Inc., alleging a violation of Section 1 of the Sherman Antitrust Act. The complaint alleges that the defendants policies prohibiting merchants from steering a customer to use another networks card, another type of card or
another method of payment (anti-steering and non-discrimination rules and contractual provisions) violate the antitrust laws. The complaint alleges that the defendants participate in two distinct markets, a General
Purpose Card network services market, and a General Purpose Card network services market for merchants in travel and entertainment (T&E) businesses. The complaint contends that each of the defendants has market
power in the alleged two markets. The complaint seeks a judgment permanently enjoining the defendants from enforcing their anti-steering and non-discrimination rules and contractual provisions. The complaint does not seek monetary damages.
Concurrent with the filing of the complaint, Visa and MasterCard announced they had reached an agreement settling the allegations in the complaint against them by agreeing to modifications in their rules prohibiting merchants that accept their cards
from steering customers to use another networks card, another type of card or another method of payment. In December 2010, the complaint filed by the DOJ and certain states attorneys general was amended to add as plaintiffs the
Attorneys General from Arizona, Hawaii (Hawaii has since withdrawn its claim), Idaho, Illinois, Montana, Nebraska, New Hampshire, Rhode Island, Tennessee, Utah and Vermont. American Express response to the amended complaint was filed in early
January 2011.

The DOJ matter is being coordinated with individual and putative class actions pending in the Eastern
District of New York against American Express brought by merchants alleging that American Express anti-steering provisions in its merchant acceptance agreements with the plaintiffs violate federal antitrust laws. As alleged by the
plaintiffs, these provisions prevent merchants from offering consumers incentives to use alternative forms of payment when consumers wish to use an American Express-branded card. Plaintiffs seek damages and injunctive relief. The putative class
actions have been partially stayed in light of the continuing appeal in In re American Express Merchants Litigation (described below).



---

Since July 2003, American Express has been named in a number of putative class actions in
which the plaintiffs allege an unlawful antitrust tying arrangement between certain of American Express charge cards and credit cards in violation of various state and federal laws. These cases have all been consolidated in the United States
District Court for the Southern District of New York under the caption: In re American Express Merchants Litigation. A case making similar allegations was also filed in the Southern District of New York in July 2004 captioned: The
Marcus Corporation v. American Express Company, et al. The Marcus case is not consolidated. The plaintiffs in these actions seek injunctive relief and an unspecified amount of damages. Since April 2004, the parties to the consolidated
actions have been engaged in motion practice regarding American Express motion to dismiss the consolidated actions on the grounds that all of the plaintiffs claims are subject to arbitration. On February 1, 2012, the Second Circuit
again reversed the District Courts decision ordering arbitration, and reaffirmed its prior ruling. On May 29, 2012, the Second Circuit denied American Express petition for rehearing en banc with dissents. The Second Circuit has
stayed the mandate pending the outcome of American Express petition for a writ of certiorari to the U.S. Supreme Court, which was granted on November 6, 2012. Oral argument was heard on February 27, 2013.

In October 2007, The Marcus Corporation filed a motion seeking certification of a class. In September 2008, American Express moved for
summary judgment seeking dismissal of The Marcus Corporations complaint, and The Marcus Corporation cross-moved for partial summary judgment on the issue of liability. In March 2009, the court denied the plaintiffs motion for class
certification, without prejudicing their right to remake such a motion upon resolution of the pending summary judgment motions. A case captioned Hayama Inc. v. American Express Company et al., which makes similar allegations as those in the
actions described above, was filed and remains in the Superior Court of California, Los Angeles County (filed December 2003). To date the Hayamaaction has been stayed.

In February 2009, an amended complaint was filed in In re American Express Merchants Litigation. The amended complaint
contains a single count alleging a violation of federal antitrust laws through an alleged unlawful tying of: (a) corporate, small business and/or personal charge card services; and (b) Blue, Costco and standard GNS credit card services. In
addition, in February 2009, a new complaint making the same allegations as made in the amended complaint filed in In re American Express Merchants Litigationwas also filed in the United States District Court for the Southern District
of New York. That new case is captioned Greenporter LLC and Bar Hama LLC, on behalf of themselves and all others similarly situated v. American Express Company and American Express Travel Related Services Company, Inc.Proceedings in the
Greenporteraction and on the amended complaint filed in In re American Express Merchants Litigationhave been held in abeyance pending the disposition of the motions for summary judgment in the Marcuscase.

In September 2010, a putative class action, captioned Meeks v. American Express Centurion Bank, was filed in Fulton County
Superior Court, Georgia, alleging that plaintiff received unilateral interest rate increases despite alleged promises that the rate would remain fixed. In October 2010, American Express removed the matter to federal court. Plaintiffs seek to certify
a nationwide class of all American Express Cardmembers who received unilateral interest rate increases despite their accounts being in good standing. In April 2011, American Express filed a motion to compel arbitration. On January 20, 2012, the
District Court entered an order administratively closing the action pending further developments in a case captioned Ross v. American Express Company pending in the United States District Court for the Southern District of New York.

In July 2004, a purported class action complaint, Ross, et al. v. American Express Company, American Express Travel
Related Services and American Express Centurion Bank,was filed in the United States District Court for the Southern District of New York alleging that American Express conspired with Visa, MasterCard and Diners Club in the setting of foreign
currency conversion rates and in the inclusion of arbitration clauses in certain of their cardmember agreements. The suit seeks injunctive relief and unspecified damages. The class is defined as all Visa, MasterCard and Diners Club
general-purpose cardholders who used cards issued by any of the MDL Defendant Banks. American Express cardholders are not part of the class. The parties reached an agreement to settle the claims asserted on behalf of the damage class
concerning foreign currency conversion rates. The settlement was approved in 2012. The claims asserted by the injunction class concerning cardmember arbitration clauses were not included in the proposed settlement. Trial of those claims concluded in
February 2013. The parties are awaiting decision.

In September 2001,Hoffman, et al. v. American Express Travel Related
Services Company, et al.was filed in the Superior Court of the State of California, Alameda County. Plaintiffs in that case claim that American Express erroneously charged Cardmember accounts in connection with its airflight insurance programs
because in certain circumstances customers must request refunds, as disclosed in materials for the voluntary program. In January 2006, the court certified a class of American Express charge Cardmembers asserting claims for breach of contract and
conversion under New York law, with a subclass of California residents asserting violations of California Business & Professions Code §§ 17200 and 17500, and a subclass of New York residents asserting violation of New York General
Business Law § 349. American Express was granted judgment on all counts following trial, and that judgment was affirmed by the Court of Appeals for California on December 17, 2012.



---

Plaintiffs petition to the California Supreme Court for further review was denied. In
addition, a case making the same factual allegations (purportedly on behalf of a different class of Cardmembers) as those in the Hoffmancase was pending in the United States District Court for the Eastern District of New York, entitled
Law Enforcement Systems v. American Express et al. On October 5, 2012, American Express motion to dismiss was granted and judgment entered for defendants. Plaintiff has filed a notice of appeal.

In October 2009, a putative class action, captioned Lopez, et al. v. American Express Bank, FSB and American Express Centurion
Bank, was filed in the United States District Court for the Central District of California. The amended complaint seeks to certify a class of California American Express Cardmembers whose interest rates were changed from fixed to variable in or
around August 2009 or otherwise increased. American Express motion to compel arbitration and dismiss the complaint was denied by the court. Briefing on American Express appeal of the denial of the motion to compel arbitration is
currently stayed.

In October 2012, a putative class action captioned Clarke v. American Express Company, et al., was
filed in the United States District Court for the Southern District of New York alleging that American Express Company, TRS, Centurion and FSB violated state consumer protection laws, state common law and federal statutory law in the marketing,
selling and implementation of a credit card product known as Account Protector. The complaint seeks unspecified compensatory and punitive damages along with injunctive and declaratory relief. American Express filed a motion to compel
arbitration on December 11, 2012.

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.



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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, Amex Card Services Company (ACSC), American Express Centurion Bank and American Express Bank, FSB, TransCentra, Inc. (formerly known as Regulus Group LLC), for itself and its wholly owned subsidiaries
(TransCentra) 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. 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, 2012, 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

Except as
disclosed below, 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.

The Bank of New York Mellon:The Bank of New York Mellons Report on Assessment and related Attestation Report have
identified material noncompliance with two servicing criteria applicable to The Bank of New York Mellon. With regard to servicing criterion 1122(d)(3)(i), The Bank of New York Mellon report states that during the reporting period, certain reports to
investors contained information that was not calculated in accordance with the terms specified in the transaction agreements. With regard to servicing criterion 1122(d)(3)(ii), The Bank of New York Mellon report states that with respect to
certain remittances during the reporting period, amounts due to investors were not allocated and remitted in accordance with the distribution priority and other terms set forth in the transaction agreements. The Bank of New York Mellon further
indicates in its report certain remediation with respect to such instances of noncompliance. The Bank of New York Mellon has confirmed to the Depositors and TRS that these errors did not involve the Trust or investors in the Trust. We have not
independently verified the accuracy of The Bank of New York Mellons assertions, the adequacy of its remediation efforts or the accuracy of such confirmation.

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 2012, 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 cardmembers 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 or paying agent 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, ACSC, 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. 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.                                                                              



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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 II, DepositorBy:

/s/ Anderson Y. LeeName:

Anderson Y. LeeTitle:

President (senior officer in
charge of securitization)By:

AMERICAN EXPRESS RECEIVABLES FINANCING CORPORATION III LLC, DepositorBy:

/s/ Kevin L. ThompsonName:

Kevin L. ThompsonTitle:

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 20, 2013



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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 to Registration
No. 333-113579-02).                                                                                                                                                                                                                                                                                                                                                                                            
|     | 
|3.2  |  | Amended and Restated Limited Liability Company Agreement of American Express Receivables Financing Corporation IV LLC (incorporated by reference to Exhibit 3.2 to Registration
No. 333-113579-01).                                                                                                                                                                                                                                                                                                                                                                                             
|     | 
|4.1  |  | American Express Credit Account Master Trust Pooling and Servicing Agreement, dated May 16, 1996, as amended and restated as of January 1, 2006, among American Express
Receivables Financing Corporation III LLC, American Express Receivables Financing Corporation IV LLC, American Express Receivables Financing Corporation II, as transferors, American Express Travel Related Services Company, Inc., as servicer, and The
Bank of New York, as trustee and securities intermediary (incorporated by reference to Exhibit 4.1 of Form 10-K, dated March 13, 2006, File No. 000-20787-07).
|     | 
|4.2  |  | First Amendment to the Pooling and Servicing Agreement, dated December 17, 2007 (incorporated by reference to Exhibit 99.01 of Form 8-K, dated December 17, 2007,
File No. 333-113579-02).                                                                                                                                                                                                                                                                                                                                                                                                      
|     | 
|4.3  |  | Second Amendment to the Pooling and Servicing Agreement, dated October 24, 2008 (incorporated by reference to Exhibit 4.1 of Form 8-K, dated October 24, 2008,
File No. 333-113579-02).                                                                                                                                                                                                                                                                                                                                                                                                         
|     | 
|4.4  |  | Third Amendment to the Pooling and Servicing Agreement, dated February 24, 2009 (incorporated by reference to Exhibit 4.1 of Form 8-K, dated February 26, 2009,
File No. 333-113579-02).                                                                                                                                                                                                                                                                                                                                                                                                        
|     | 
|4.5  |  | Fourth Amendment to the Pooling and Servicing Agreement, dated October 7, 2010 (incorporated by reference to Exhibit 4.1 of Form 8-K, dated October 7, 2010, File
No. 333-130508).                                                                                                                                                                                                                                                                                                                                                                                                              
|     | 
|4.6  |  | Supplemental Assumption Agreement, dated June 27, 1996, between American Express Centurion Bank, as Assignor, and American Express Deposit Corporation, as Assignee, with
respect to the Pooling and Servicing Agreement Governing the American Express Credit Account Master Trust (incorporated by reference to Exhibit 4.3 of Form 8-K, dated July 15, 1996, File No. 000-207807-07).                                                                                                                                                                                                        
|     | 
|4.7  |  | Form of American Express Receivables Financing Corporation II Purchase Agreement (incorporated by reference to Exhibit 10.1 of Form S-3, filed March 6, 1996, File
No. 33-95784).                                                                                                                                                                                                                                                                                                                                                                                                               
|     | 
|4.8  |  | Receivables Purchase Agreement, dated April 16, 2004, 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 April 16, 2004, File No. 000-20787-07).                                                                                                                                                                                                                                                                                                                               
|     | 
|4.9  |  | First Amendment to the Receivables Purchase Agreement, dated October 24, 2008, between American Express Centurion Bank and American Express Receivables Financing Corporation
III LLC (incorporated by reference to Exhibit 4.2 of Form 8-K, dated October 24, 2008, File No. 000-20787-07).                                                                                                                                                                                                                                                                                                    
|     | 
|4.10 |  | Second Amendment to the Receivables Purchase Agreement, dated February 24, 2009, between American Express Centurion Bank and American Express Receivables Financing Corporation
III LLC (incorporated by reference to Exhibit 4.2 of Form 8-K, dated February 26, 2009, File No. 000-20787-07).                                                                                                                                                                                                                                                                                                 
|     | 
|4.11 |  | Third Amendment to the Receivables Purchase Agreement, dated October 7, 2010, between American Express Centurion Bank and American Express Receivables Financing Corporation III
LLC (incorporated by reference to Exhibit 4.2 of Form 8-K, dated October 7, 2010, File No. 333-113579).                                                                                                                                                                                                                                                                                                        
|     | 
|4.12 |  | Receivables Purchase Agreement, dated April 16, 2004, 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 April 16, 2004, File No. 000-20787-07).                                                                                                                                                                                                                                                                                                                                     
|     | 
|4.13 |  | First Amendment to the Receivables Purchase Agreement, dated October 24, 2008, between American Express Bank, FSB and American Express Receivables Financing Corporation IV LLC
(incorporated by reference to Exhibit 4.3 of Form 8-K, dated October 24, 2008, File No. 000-20787-07).                                                                                                                                                                                                                                                                                                          



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|     |  |                                                                                                                                                                                                                                                                                                                                          
|---- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|4.14 |  | Second Amendment to the Receivables Purchase Agreement, dated February 24, 2009, between American Express Bank, FSB and American Express Receivables Financing Corporation IV
LLC (incorporated by reference to Exhibit 4.3 of Form 8-K, dated February 26, 2009, File No. 000-20787-07).                                                
|     | 
|4.15 |  | Third Amendment to the Receivables Purchase Agreement, dated October 7, 2010, between American Express Bank, FSB and American Express Receivables Financing Corporation IV LLC
(incorporated by reference to Exhibit 4.3 of Form 8-K, dated October 7, 2010, File No. 000-20787-07).                                                     
|     | 
|4.16 |  | Series 2004-2 Supplement, dated June 2, 2004, supplementing the Pooling and Servicing Agreement, dated as of May 16, 1996, as amended and restated as of
January 1, 2006, as amended from time to time (incorporated by reference to Exhibit 4.1 of Form 8-K, dated as of June 2, 2004, File No. 000-20787-07).                          
|     | 
|4.17 |  | Series 2005-2 Supplement, dated March 24, 2005, supplementing the Pooling and Servicing Agreement, dated as of May 16, 1996, as amended and restated as of
January 1, 2006, as amended from time to time (incorporated by reference to Exhibit 4.2 of Form 8-K, dated as of March 24, 2005, File No. 000-20787-07).                      
|     | 
|4.18 |  | Series 2007-2 Supplement, dated February 14, 2007, supplementing the Pooling and Servicing Agreement, dated as of May 16, 1996, as amended and restated as of
January 1, 2006, as amended from time to time (incorporated by reference to Exhibit 4.2 of Form 8-K, dated as of February 14, 2007, File No. 333-113579-02).               
|     | 
|4.19 |  | Series 2008-2 Supplement, dated February 22, 2008, supplementing the Pooling and Servicing Agreement, dated as of May 16, 1996, as amended and restated as of
January 1, 2006, as amended from time to time (incorporated by reference to Exhibit 4.1 of Form 8-K, dated as of February 22, 2008, File No. 333-113579-02).               
|     | 
|4.20 |  | Series 2008-4 Supplement, dated as of April 17, 2008, supplementing the Pooling and Servicing Agreement, dated as of May 16, 1996, as amended and restated as of
January 1, 2006, as amended from time to time (incorporated by reference to Exhibit 4.2 of Form 8-K, dated as of April 17, 2008, File No. 333-113579-02).               
|     | 
|4.21 |  | Series 2008-5 Supplement, dated as of June 12, 2008, supplementing the Pooling and Servicing Agreement, dated as of May 16, 1996, as amended and restated as of
January 1, 2006, as amended from time to time (incorporated by reference to Exhibit 4.1 of Form 8-K, dated as of June 12, 2008, File No. 333-113579-02).                 
|     | 
|4.22 |  | Series 2008-6 Supplement, dated as of July 24, 2008, supplementing the Pooling and Servicing Agreement, dated as of May 16, 1996, as amended and restated as of
January 1, 2006, as amended from time to time (incorporated by reference to Exhibit 4.1 of Form 8-K, dated as of July 24, 2008, File No. 333-113579-02).                 
|     | 
|4.23 |  | Series 2008-7 Supplement, dated as of August 15, 2008, supplementing the Pooling and Servicing Agreement, dated as of May 16, 1996, as amended and restated as of
January 1, 2006, as amended from time to time (incorporated by reference to Exhibit 4.1 of Form 8-K, dated as of August 15, 2008, File No. 333-113579-02).             
|     | 
|4.24 |  | Series 2008-9 Supplement, dated as of September 18, 2008, supplementing the Pooling and Servicing Agreement, dated as of May 16, 1996, as amended and restated as of
January 1, 2006, as amended from time to time (incorporated by reference to Exhibit 4.2 of Form 8-K, dated as of September 18, 2008, File No. 333-113579-02).       
|     | 
|4.25 |  | Series 2009-2 Supplement, dated as of September 11, 2009, supplementing the Pooling and Servicing Agreement, dated as of May 16, 1996, as amended and restated as of
January 1, 2006, as amended from time to time (incorporated herein by reference to Exhibit 4.1 of Form 8-K, dated as of September 11, 2009, File No. 333-113579-02).
|     | 
|4.26 |  | Series 2010-1 Supplement, dated as of October 7, 2010, supplementing the Pooling and Servicing Agreement, dated as of May 16, 1996, as amended and restated as of
January 1, 2006, as amended from time to time (incorporated herein by reference to Exhibit 4.1 of Form 8-K, dated as of October 7, 2010, File No. 333-113579-02).      
|     | 
|4.27 |  | Series 2011-1 Supplement, dated as of October 12, 2011, supplementing the Pooling and Servicing Agreement, dated as of May 16, 1996, as amended and restated as of
January 1, 2006, as amended from time to time (incorporated herein by reference to Exhibit 4.1 of Form 8-K, dated as of October 12, 2011, File No. 333-113579-02).    
|     | 
|4.28 |  | Series 2011-2 Supplement, dated as of November 17, 2011, supplementing the Pooling and Servicing Agreement, dated as of May 16, 1996, as amended and restated as of
January 1, 2006, as amended from time to time (incorporated herein by reference to Exhibit 4.1 of Form 8-K, dated as of November 17, 2011. File No. 333-113579-02).  
|     | 
|4.29 |  | Series 2012-1 Supplement, dated as of June 22, 2012, supplementing the Pooling and Servicing Agreement, dated as of May 16, 1996, as amended and restated as of
January 1, 2006, as amended from time to time (incorporated herein by reference to Exhibit 4.1 of Form 8-K, dated as of June 22, 2012. File No. 333-113579-02).          



---

|      |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           
|----- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|4.30  |  | Series 2012-2 Supplement, dated as of August 21, 2012, supplementing the Pooling and Servicing Agreement, dated as of May 16, 1996, as amended and restated as of
January 1, 2006, as amended from time to time (incorporated herein by reference to Exhibit 4.1 of Form 8-K, dated as of August 21, 2012. File No. 333-113579-02).                                                                                                                                                       
|      | 
|4.31  |  | Series 2012-3 Supplement, dated as of August 21, 2012, supplementing the Pooling and Servicing Agreement, dated as of May 16, 1996, as amended and restated as of
January 1, 2006, as amended from time to time (incorporated herein by reference to Exhibit 4.1 of Form 8-K, dated as of August 21, 2012. File No. 333-113579-02).                                                                                                                                                       
|      | 
|4.32  |  | Series 2012-4 Supplement, dated as of November 8, 2012, supplementing the Pooling and Servicing Agreement, dated as of May 16, 1996, as amended and restated as of
January 1, 2006, as amended from time to time (incorporated herein by reference to Exhibit 4.1 of Form 8-K, dated as of November 8, 2012. File No. 333-113579-02).                                                                                                                                                     
|      | 
|4.33  |  | Series 2012-5 Supplement, dated as of November 8, 2012, supplementing the Pooling and Servicing Agreement, dated as of May 16, 1996, as amended and restated as of
January 1, 2006, as amended from time to time (incorporated herein by reference to Exhibit 4.1 of Form 8-K, dated as of November 8, 2012. File No. 333-113579-02).                                                                                                                                                     
|      | 
|4.34  |  | Amendment to Series Supplements, dated as of March 5, 2008, among American Express Receivables Financing Corporation II, 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, as trustee (incorporated by reference to Exhibit 4.1 of
Form 8-K, dated as of March 14, 2008, File No. 333-113579-02).  
|      | 
|4.35  |  | Omnibus Amendment to Series Supplements, dated as of March 5, 2008, among American Express Receivables Financing Corporation II, 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, as trustee (incorporated by reference to
Exhibit 4.2 of Form 8-K, dated March 14, 2008, File No. 333-113579-02).
|      | 
|4.36  |  | Amendment to Series 2009-1 Supplement, 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 4.1 of Form 8-K, dated as of
October 2, 2009, File No. 333-113579-02).                               
|      | 
|4.37  |  | Omnibus Amendment to Group I 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 4.2 of Form 8-K, dated
as of October 2, 2009, File No. 333-113579-02).                     
|      | 
|4.38  |  | 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
as of October 2, 2009, File No. 333-113579-02).                    
|      | 
|31.1* |  | Certification of Anderson Y. Lee pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 for the period from and including January 1, 2012 to and including
December 31, 2012.                                                                                                                                                                                                                                                                                                          
|      | 
|31.2* |  | Certification of Kevin L. Thompson pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 for the period from and including January 1, 2012 to and including
December 31, 2012.                                                                                                                                                                                                                                                                                                        
|      | 
|31.3* |  | Certification of Denise D. Roberts pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 for the period from and including January 1, 2012 to and including
December 31, 2012.                                                                                                                                                                                                                                                                                                        
|      | 
|33.1* |  | Report on Assessment of Compliance with Servicing Criteria of American Express Travel Related Services Company, Inc., Amex Card Services Company, 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.                                                                                                                                                                                                                                                                                                                                                                                                



---

|      |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|----- |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|34.1* |  | Attestation Report of PricewaterhouseCoopers LLP on Assessment of Compliance with Servicing Criteria relating to American Express Travel Related Services Company, Inc., Amex Card
Services Company, American Express Centurion Bank and American Express Bank, FSB.                                                                                                                                                                                                                              
|      | 
|34.2* |  | Attestation Report of KPMG 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 Amex Card Services Company.                                                                                                                                                                                                                                                                                                                                                                                                                                      
|      | 
|35.3* |  | Servicer Compliance Statement of TransCentra, Inc.                                                                                                                                                                                                                                                                                                                                                                                                                                                
|      | 
|35.4* |  | Servicer Compliance Statement of American Express Centurion Bank.                                                                                                                                                                                                                                                                                                                                                                                                                                 
|      | 
|35.5* |  | Servicer Compliance Statement of American Express Bank, FSB.                                                                                                                                                                                                                                                                                                                                                                                                                                      
|      | 
|99.1  |  | Supplemental Servicing Agreement, dated as of June 30, 2004, among American Express Travel Related Services Company, Inc., American Express Centurion Bank, American Express
Bank, FSB, American Express Receivables Financing Corporation II, American Express Receivables Financing Corporation III LLC, American Express Receivables Financing Corporation IV LLC (incorporated by reference to Exhibit 4.6 of Registration
Statement on Form S-3/A filed March 31, 2006, File No. 333-130508).
|      | 
|99.2  |  | Form of Subservicing Agreement between American Express Travel Related Services Company, Inc. and Amex Card Services Company (incorporated by reference to Exhibit 4.7 of
Registration Statement on Form S-3/A filed March 31, 2006, File No. 333-130508).                                                                                                                                                                                                                                        
|      | 
|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
Registration Statement on Form S-3/A filed March 30, 2006, File No. 333-130508).                                                                                                                                                                                                                                        
|      | 
|99.4  |  | Amendment No. 1, dated as of July 1, 2000, between American Express Travel Related Services Company, Inc. and Regulus West LLC (incorporated by reference to Exhibit 4.8 of
Registration Statement on Form S-3/A filed March 30, 2006, File No. 333-130508).                                                                                                                                                                                                                                      
|      | 
|99.5  |  | Amendment No. 2, dated as of June 1, 2002, between American Express Travel Related Services Company, Inc. and Regulus West LLC (incorporated by reference to Exhibit 4.8 of
Registration Statement on Form S-3/A filed March 30, 2006, File No. 333-130508).                                                                                                                                                                                                                                      
|      | 
|99.6  |  | Amendment Agreement Number FLL-05-6-MP01-03, dated as of October 24, 2005, between American Express Travel Related Services Company, Inc. and Regulus West LLC (incorporated by
reference to Exhibit 4.8 of Registration Statement on Form S-3/A filed March 30, 2006, File No. 333-130508).                                                                                                                                                                                                      
|      | 
|99.7  |  | Amendment Agreement Number FLL-05-6-MP01-04, dated as of March 22, 2006, between American Express Travel Related Services Company, Inc. and Regulus West LLC (incorporated by
reference to Exhibit 4.8.1 of Registration Statement on Form S-3/A, filed March 23, 2006, File No. 333-130508).                                                                                                                                                                                                     
|      | 
|99.8  |  | Amendment Agreement Number FLL-05-6-MP01-05, dated as of March 29, 2006, between American Express Travel Related Services Company, Inc. and Regulus West LLC (incorporated by
reference to Exhibit 4.8.2 of Registration Statement on Form S-3, filed March 30, 2006, File No. 333-130508).                                                                                                                                                                                                       
|      | 
|99.9  |  | Amendment Agreement Number NYC-0-06-2807, dated as of August 18, 2006, between American Express Travel Related Services Company, Inc. and Regulus West LLC (incorporated by reference
to Exhibit 4.8.3 of Registration Statement on Form S-3/A filed January 30, 2009, File No. 333-155765).                                                                                                                                                                                                      
|      | 
|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, filed November 3, 2009, File No. 333-113579-02).                                                                                                                                                                                                                                 
|      | 
|99.11 |  | Amendment Number NYC-0-06-2162-02, dated as of 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, filed November 3, 2009, File No. 333-113579-02).                                                                                                                                                                                                                                     
|      | 
|99.12 |  | Amendment Agreement Number AMEND-CW170596, dated as of 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).