Document:

EX-4.1

 Exhibit 4.1 

Execution Copy 
 AMERICAN
EXPRESS CREDIT ACCOUNT MASTER TRUST 
 SIXTH AMENDMENT TO 

POOLING AND SERVICING AGREEMENT 

This SIXTH AMENDMENT TO POOLING AND SERVICING AGREEMENT, dated as of January 29, 2014 (this “Amendment”), is among
American Express Receivables Financing Corporation II, a Delaware corporation (“RFC II”), American Express Receivables Financing Corporation III LLC, a Delaware limited liability company (“RFC III”), and American
Express Receivables Financing Corporation IV LLC, a Delaware limited liability company (“RFC IV”), as Transferors, American Express Travel Related Services Company, Inc., a New York corporation (“TRS”), as Servicer,
and The Bank of New York Mellon (formerly The Bank of New York), a New York banking corporation, as Trustee (in such capacity, the “Trustee”) and as Securities Intermediary. This Amendment amends the Pooling and Servicing Agreement,
dated as of May 16, 1996, as amended and restated as of January 1, 2006 and as amended as of December 17, 2007, as of October 24, 2008, as of February 24, 2009 and as of October 7, 2010 (the “Pooling and
Servicing Agreement” and, together with this Amendment, the “Amended Pooling and Servicing Agreement”). 
 RECITALS

 WHEREAS, RFC II, RFC III and RFC IV, as Transferors, TRS, as Servicer, and the Trustee have previously entered into the Pooling and
Servicing Agreement; and 
 WHEREAS, pursuant to Section 13.01(a) of the Pooling and Servicing Agreement, the parties hereto desire to
amend the Pooling and Servicing Agreement as provided herein. 
 NOW, THEREFORE, in consideration of the mutual agreements herein contained,
and other good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, each party hereto agrees as follows: 

ARTICLE I 
 DEFINITIONS 

SECTION 1.01. Defined Terms Not Defined Herein. All capitalized terms used herein that are not defined herein shall have the
meanings ascribed to them in the Pooling and Servicing Agreement, as the case may be. 

 ARTICLE II 

AMENDMENTS 
 SECTION 2.01.
Amendment to Section 1.01. 
 (a) The definition of “Determination Date” in Section 1.01 of the Pooling and
Servicing Agreement shall be deleted in its entirety and inserted in its place shall be the following: 
 “Determination
Date” shall mean, unless otherwise specified in the Supplement for a particular Series, the third Business Day preceding each Distribution Date. 

(b) The definition of “Eligible Deposit Account” in Section 1.01 of the Pooling and Servicing Agreement shall be deleted in its
entirety and inserted in its place shall be the following: 
 “Eligible Deposit Account” shall mean either (a) a
segregated account with an Eligible Institution (other than any Account Owner) or (b) a segregated trust account with the corporate trust department of a depository institution (other than any Account Owner) organized under the laws of the
United States or any one of the states thereof, including the District of Columbia (or any domestic branch of a foreign bank), and acting as a trustee for funds deposited in such account, so long as the rating of any of the unsecured or unguaranteed
senior debt securities of such depository institution satisfies the publicly published controlling and applicable ratings criteria established by each Rating Agency. 

(c) The definition of “Eligible Institution” in Section 1.01 of the Pooling and Servicing Agreement shall be deleted in its
entirety and inserted in its place shall be the following: 
 “Eligible Institution” shall mean the Trustee or any
depository institution organized under the laws of the United States, any one of the states thereof or the District of Columbia (or any domestic branch of a foreign bank), so long as such depository institution’s long-term unsecured debt rating
or its certificate of deposit rating satisfies the publicly published controlling and applicable ratings criteria established by each Rating Agency. Notwithstanding the previous sentence any institution the appointment of which satisfies the Rating
Agency Condition shall be considered an Eligible Institution. If so qualified, the Servicer may be considered an Eligible Institution for the purposes of this definition. 

SECTION 2.02. Amendment to Section 4.02. 

(a) The third paragraph of Section 4.02 of the Pooling and Servicing Agreement shall be deleted in its entirety and inserted in its place
shall be the following: 
 Funds on deposit in the Collection Account (other than investment earnings and amounts deposited
pursuant to Sections 2.06, 9.01, 10.01 or 12.02) shall at the written direction of the Servicer (or its agent appointed as provided below) be invested by the 

 
Trustee in Eligible Investments selected by the Servicer (or its agent appointed as provided below); provided, however, that if no such written direction is provided, funds on deposit in
the Collection Account shall remain uninvested. All such Eligible Investments shall be held by the Trustee for the benefit of the Certificateholders pursuant to Section 4.07. Subject to the first sentence of this paragraph,
investments of funds representing Collections collected during any Monthly Period shall be invested in Eligible Investments that will mature so that such funds will be available no later than the close of business on the next Transfer Date following
such Monthly Period in amounts sufficient to the extent of such funds to make the required distributions on such Distribution Date. No such Eligible Investment shall be disposed of prior to its maturity; provided, however, that the
Trustee shall sell, liquidate or dispose of any such Eligible Investment before its maturity, if, prior to the maturity of such Eligible Investment, a default occurs in the payment of principal, interest or any other amount with respect to such
Eligible Investment; provided further, however, that the Servicer (or its agent appointed as provided below) shall deliver prompt written notice to the Trustee of any such default; and provided further that, subject to
Section 11.01, the Trustee will not in any way be held liable by reason of any insufficiency in such Collection Account resulting from any loss on any Eligible Investment included therein except for losses attributable to the Trustee’s
failure to make payments on such Eligible Investments issued by the Trustee, in its commercial capacity, in accordance with their terms. Unless directed by the Servicer (or its agent appointed as provided below), funds deposited in the
Collection Account on a Transfer Date with respect to the immediately succeeding Distribution Date are not required to be invested overnight. On each Distribution Date, all interest and other investment earnings (net of losses and investment
expenses) on funds on deposit in the Collection Account shall be paid to the Transferors, except as otherwise specified in any Supplement. The Trustee shall bear no responsibility or liability for any losses resulting from investment or
reinvestment of any funds in accordance with this Section 4.02. The Servicer may appoint as its agent under a separate agreement a registered investment advisor and authorize such agent to give instructions on behalf of the Servicer to the
Trustee for funds to be invested and reinvested in one or more Eligible Investments. The Servicer shall provide the Trustee with a written direction certifying any such appointment. The Trustee shall be entitled to conclusively rely on,
and shall be protected in acting upon, instructions received from such agent on behalf of the Servicer. 
 (b) The first three sentences of
the fifth paragraph of Section 4.02 of the Pooling and Servicing Agreement are hereby deleted and replaced with the following: 
 Funds
on deposit in the Special Funding Account shall at the written direction of the Servicer be invested by the Trustee in Eligible Investments selected by the Servicer; provided, however, that if no such written direction is provided, funds on
deposit in the Special Funding Account shall remain uninvested. All such Eligible Investments shall be held by the Trustee for the benefit of the Certificateholders pursuant to Section 4.07. Subject to the first sentence of this
paragraph, funds on deposit in the Special Funding Account on any Distribution Date will be invested in Eligible Investments that will mature so that such funds will be available on the next Distribution Date. 

 ARTICLE III 

MISCELLANEOUS 

SECTION 3.01. Pooling and Servicing Agreement in Full Force and Effect as Amended. The Pooling and Servicing Agreement is hereby
amended by providing that all references therein to the “Pooling and Servicing Agreement,” “this Agreement,” “hereby,” “hereof” and “herein” shall be deemed from and after the effective date of this
Amendment to be a reference to the Amended Pooling and Servicing Agreement. Except as expressly amended hereby, all of the representations, warranties, terms, covenants and conditions of the Pooling and Servicing Agreement shall remain unamended and
shall continue to be, and shall remain, in full force and effect in accordance with their terms and except as expressly provided herein, this Amendment shall not constitute or be deemed to constitute a waiver of compliance with or consent to
non-compliance with any term or provision of the Pooling and Servicing Agreement. 
 SECTION 3.02. Counterparts. This Amendment
may be executed in two or more counterparts, and by different parties on separate counterparts, each of which shall be deemed to be an original, but all of which shall constitute one and the same instrument. 

SECTION 3.03. GOVERNING LAW. THIS AMENDMENT SHALL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF NEW
YORK, INCLUDING SECTION 5-1401 OF THE GENERAL OBLIGATION LAW, WITHOUT REFERENCE TO ITS CONFLICT OF LAW PROVISIONS, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. 

SECTION 3.04. Effectiveness. The amendments provided for by this Amendment shall become effective as of January 29, 2014
upon: 
 (a) receipt by the Trustee of an Officer’s Certificate of each Transferor, dated the date of this Amendment, to the effect
that each Transferor, respectively, reasonably believes that this Amendment will not have an Adverse Effect; 
 (b) receipt by the
Transferors, the Servicer and the Trustee of written notice from each Rating Agency that the amendments provided for by this Amendment will not result in a reduction or withdrawal of its existing ratings on any outstanding Series or Class; 

(c) receipt by the Trustee of an Opinion of Counsel delivered in connection with this Amendment pursuant to Section 13.02(d)(i) of the
Agreement; and 
 (d) delivery of counterparts of this Amendment, duly executed by the parties hereto. 

[Signature page follows.] 

 IN WITNESS WHEREOF, the Transferors, the Servicer and the Trustee have caused this Amendment to
be duly executed by their respective officers as of the day and year first above written. 
  

							
	AMERICAN EXPRESS RECEIVABLES FINANCING CORPORATION II,
	as a Transferor
			
		 	By:	 	 /s/ Anderson Y. Lee

		 		 	Name:	 	Anderson Y. Lee
		 		 	Title:	 	President
	
	 AMERICAN EXPRESS RECEIVABLES FINANCING CORPORATION III LLC,

as a Transferor

			
		 	By:	 	 /s/ Kevin L. Thompson

		 		 	Name:	 	Kevin L. Thompson
		 		 	Title:	 	President
	
	 AMERICAN EXPRESS RECEIVABLES FINANCING CORPORATION IV LLC,

as a Transferor

			
		 	By:	 	 /s/ Denise D. Roberts

		 		 	Name:	 	Denise D. Roberts
		 		 	Title:	 	President
	
	 AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.,

as Servicer

			
		 	By:	 	 /s/ David L. Yowan

		 		 	Name:	 	David L. Yowan
		 		 	Title:	 	Treasurer
	
	 THE BANK OF NEW YORK MELLON,
 as
Trustee and Securities Intermediary

			
		 	By:	 	 /s/ Michael Commisso

		 		 	Name:	 	Michael Commisso
		 		 	Title:	 	Vice President

 [Sixth Amendment to Pooling and Servicing Agreement]EX-4.2

 Exhibit 4.2 

Execution Copy 
 AMERICAN
EXPRESS CREDIT ACCOUNT MASTER TRUST 
 OMNIBUS AMENDMENT 

TO SERIES SUPPLEMENTS 
 This
OMNIBUS AMENDMENT TO SERIES SUPPLEMENTS, dated as of January 29, 2014 (this “Amendment”), to the Supplements (as hereinafter described) to the Pooling and Servicing Agreement, dated as of May 16, 1996, as amended and
restated as of January 1, 2006 (as so amended and restated and in effect on the date hereof, the “Agreement”), among American Express Receivables Financing Corporation II, a Delaware corporation (“RFC II”),
American Express Receivables Financing Corporation III LLC, a Delaware limited liability company (“RFC III”), and American Express Receivables Financing Corporation IV LLC, a Delaware limited liability company (“RFC
IV”), as Transferors, American Express Travel Related Services Company, Inc., a New York corporation (“TRS”), as Servicer, and The Bank of New York Mellon (formerly The Bank of New York), a New York banking corporation, as
Trustee (in such capacity, the “Trustee”) and as Securities Intermediary, is made and entered into as of January 29, 2014. 

RECITALS 
 WHEREAS, RFC II, RFC
III and RFC IV, as Transferors, TRS, as Servicer, and the Trustee have previously entered into: (i) the Series 2004-2 Supplement, dated as of June 2, 2004; (ii) the Series 2005-2 Supplement, dated as of March 24, 2005;
(iii) the Series 2007-2 Supplement, dated as of February 14, 2007; (iv) the Series 2008-2 Supplement, dated as of February 22, 2008; (v) the Series 2008-4 Supplement, dated as of April 17, 2008; (vi) the Series
2008-6 Supplement, dated as of July 24, 2008; (vii) the Series 2009-D-II Supplement, dated as of June 5, 2009; (viii) the Series 2009-2 Supplement, dated as of September 11, 2009; (ix) the Series 2011-1 Supplement,
dated as of October 12, 2011; (x) the Series 2012-1 Supplement, dated as of June 22, 2012; (xi) the Series 2012-2 Supplement, dated as of August 21, 2012; (xii) the Series 2012-3 Supplement, dated as of August 21,
2012; (xiii) the Series 2012-4 Supplement, dated as of November 8, 2012; (xiv) the Series 2012-5 Supplement, dated as of November 8, 2012; (xv) the Series 2013-1 Supplement, dated as of July 25, 2013; (xvi) the
Series 2013-2 Supplement, dated as of November 13, 2013; and (xvii) the Series 2013-3 Supplement, dated as of November 13, 2013; 

WHEREAS, the series supplements listed in the preceding paragraph are, collectively and in each case as amended to date, the
“Supplements”; and 
 WHEREAS, pursuant to Section 13.01(a) of the Agreement, the parties hereto desire to amend each
Supplement as provided herein. 

 NOW, THEREFORE, in consideration of the mutual agreements herein contained, and other good and
valuable consideration, the receipt and adequacy of which are hereby acknowledged, each party hereto agrees as follows: 
 ARTICLE I 

DEFINITIONS 
 SECTION 1.01.
Defined Terms Not Defined Herein. All capitalized terms used herein that are not defined herein shall have the meanings ascribed to them in the respective Supplements or the Agreement, as the case may be. 

ARTICLE II 
 AMENDMENTS TO
SUPPLEMENTS 
 SECTION 2.01. Amendments to Article IV. 

(a) The first three sentences of subsection 4.03(a)(ii) of the Series Supplement are hereby deleted and replaced with the following: 

At the written direction of the Servicer, funds on deposit in the Principal Funding Account shall be invested by the Trustee in Eligible
Investments selected by the Servicer; provided, however, that if no such written direction is provided, funds on deposit in the Principal Funding Account shall remain uninvested. All such Eligible Investments shall be held by the Trustee for
the benefit of the Series 20[    ]-[    ]1 Certificateholders; provided that on each Distribution Date all interest and other investment income (net
of losses and investment expenses) (“Principal Funding Account Investment Proceeds”) on funds on deposit therein shall be applied as set forth in paragraph (iii) below. Subject to the first sentence of this paragraph (a)(ii),
funds on deposit in the Principal Funding Account shall be invested in Eligible Investments that will mature so that such funds will be available at the close of business on the Transfer Date preceding the following Distribution Date. 

(b) The first two sentences of subsection 4.12(b) of the Series Supplement are hereby deleted and replaced with the following: 

Funds on deposit in the Reserve Account shall be invested at the written direction of the Servicer by the Trustee in Eligible Investments;
provided, however, that if no such written direction is provided, funds on deposit in the Reserve Account shall remain uninvested. Subject to the immediately preceding sentence, funds on deposit in the Reserve Account on any Transfer Date,
after giving effect to any withdrawals from the Reserve Account on such Transfer Date, shall be invested in such investments that will mature so that such funds will be available for withdrawal on or prior to the following Transfer Date. 

 

	1 	To reference applicable Series. 

 SECTION 2.02. Amendment to Exhibits. Exhibit C-1 to each Supplement shall be
amended as follows: 
 (a) The following item shall be inserted after “Ending Total Principal Balance” under “A. Trust
Activity” in Exhibit C-1: 
  

					
	 Ending Total Receivables
	  	$	[    	] 

 (b) The following footnote shall be added to the title of the section entitled “C. Group
Allocations” in Exhibit C-1: 
  

	 	(1)	Series 2009-D-II does not share in group allocations with other series. Therefore, certain figures set forth in section “B. Series Allocations” above, which include Series 2009-D-II, will not equal the
corresponding figures set forth in this section “C. Group Allocations.” 

 (c) The section entitled
“Delinquencies” under “D. Trust Performance” in Exhibit C-1 shall be deleted in its entirety and replaced with the following: 

 

									
	 Delinquencies
	  	Percentage of
Ending Total
Receivables	 	 	 	 
	 31-60 Days Delinquent
	  	 	[    	]% 	 	$	[    	] 
	 61-90 Days Delinquent
	  	 	[    	]% 	 	$	[    	] 
	 90+ Days Delinquent
	  	 	[    	]% 	 	$	[    	] 
		  	  
	  
	 	 	  
	  
	 
	 Total 30+ Days Delinquent
	  	 	[    	]% 	 	$	[    	] 
		  	  
	  
	 	 	  
	  
	 

 (d) With respect to each Supplement dated as of November 8, 2012 or earlier, the following section shall
be inserted after the section entitled “D. Trust Performance” in Exhibit C-1: 
  

	
	E. REPURCHASES AND REPLACEMENTS
	Information required by Rule 15Ga-1(a) concerning the Trust:
	 [No activity to report for reporting period.]

	Most recent Form ABS-15G:
	 Form ABS-15G filed on             under CIK number
            

 (e) With respect to each Supplement dated as of August 21, 2012 or earlier, the following
parenthetical shall be added to the item entitled “Reserve Account Surplus” under “B. Monthly Period Funding Requirements” in Exhibit C-1: 

(after giving effect to any principal distributions on the related Distribution Date) 

(f) With respect to each Supplement dated as of August 21, 2012 or earlier, the following parenthetical shall be added to the item
entitled “Reserve Account Closing Balance” under “B. Monthly Period Funding Requirements” in Exhibit C-1: 

(after giving effect to any principal distributions and Reserve Account withdrawals on the related Distribution Date) 

(g) With respect to each Supplement dated as of November 8, 2012 or later, the parenthetical included in the item entitled “Reserve
Account Closing Balance” under “B. Monthly Period Funding Requirements” in Exhibit C-1 shall be deleted and replaced with the following: 

(after giving effect to any principal distributions and Reserve Account withdrawals on the related Distribution Date) 

(h) The item entitled “Required Reserve Account Amount” under “B. Monthly Period Funding Requirements” in Exhibit C-1 shall be moved above the item entitled “Reserve Account Opening Balance” in such section. 

ARTICLE III 
 MISCELLANEOUS 

SECTION 3.01. Ratification of Supplements. As amended by this Amendment, the Supplements are in all respects ratified and
confirmed and each Supplement, as amended by this Amendment, shall be read, taken and construed as one and the same instrument. 

SECTION 3.02. Counterparts. This Amendment may be executed in two or more counterparts, and by different parties on separate
counterparts, each of which shall be deemed to be an original, but all of which shall constitute one and the same instrument. 

SECTION 3.03. GOVERNING LAW. THIS AMENDMENT SHALL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF NEW
YORK, INCLUDING SECTION 5-1401 OF THE GENERAL OBLIGATION LAW, WITHOUT REFERENCE TO ITS CONFLICT OF LAW PROVISIONS, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. 

 SECTION 3.04. Effectiveness. The amendments provided for by this Amendment shall
become effective as of January 29, 2014 upon: 
 (a) receipt by the Trustee of an Officer’s Certificate of each Transferor, dated
the date of this Amendment, to the effect that each Transferor, respectively, reasonably believes that this Amendment will not have an Adverse Effect; 

(b) receipt by the Transferors, the Servicer and the Trustee of written notice from each Rating Agency that the amendments provided for by
this Amendment will not result in a reduction or withdrawal of its existing ratings on any outstanding Series or Class; 
 (c) receipt by
the Trustee of an Opinion of Counsel delivered in connection with this Amendment pursuant to Section 13.02(d)(i) of the Agreement; and 

(d) delivery of counterparts of this Amendment, duly executed by the parties hereto. 

[Signature page follows.] 

 IN WITNESS WHEREOF, the Transferors, the Servicer and the Trustee have caused this Amendment to
be duly executed by their respective officers as of the day and year first above written. 
  

							
	AMERICAN EXPRESS RECEIVABLES FINANCING CORPORATION II,
	as a Transferor
			
		 	By:	 	 /s/ Anderson Y. Lee

		 		 	Name:	 	Anderson Y. Lee
		 		 	Title:	 	President
	
	AMERICAN EXPRESS RECEIVABLES FINANCING CORPORATION III LLC,
as a Transferor
			
		 	By:	 	 /s/ Kevin L. Thompson

		 		 	Name:	 	Kevin L. Thompson
		 		 	Title:	 	President
	
	AMERICAN EXPRESS RECEIVABLES FINANCING CORPORATION IV LLC,
as a Transferor
			
		 	By:	 	 /s/ Denise D. Roberts

		 		 	Name:	 	Denise D. Roberts
		 		 	Title:	 	President
	
	AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.,
as Servicer
			
		 	By:	 	 /s/ David L. Yowan

		 		 	Name:	 	David L. Yowan
		 		 	Title:	 	Treasurer
	
	THE BANK OF NEW YORK MELLON,
as Trustee and Securities Intermediary
			
		 	By:	 	 /s/ Michael Commisso

		 		 	Name:	 	Michael Commisso
		 		 	Title:	 	Vice President

 [Omnibus Amendment to Series Supplements]

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