Document:

EX-4.1

 Exhibit 4.1 

Execution Copy 
 AMERICAN
EXPRESS CREDIT ACCOUNT MASTER TRUST 
 SEVENTH AMENDMENT TO 

POOLING AND SERVICING AGREEMENT 

This SEVENTH AMENDMENT TO POOLING AND SERVICING AGREEMENT, dated as of April 13, 2015 (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 (as amended, supplemented and otherwise modified from time to time, 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 “Monthly Period” 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; provided, however, that the Monthly Period with respect to the May 2015 Distribution Date shall have commenced on March 26, 2015 and
shall continue to and include April 30, 2015: 
 “Monthly Period” shall mean, with respect to each Distribution Date,
unless otherwise provided in a Supplement, the calendar month immediately preceding such Distribution Date; provided, however, that the initial Monthly Period with respect to any Series will commence on the Closing Date with respect to such
Series. 
 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 April 16, 2015 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/ Todd N. Boren

			Name: Todd N. Boren
			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

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

 Exhibit 4.2 

Execution Copy 
 FIFTH
AMENDMENT TO 
 RECEIVABLES PURCHASE AGREEMENT 

This FIFTH AMENDMENT TO RECEIVABLES PURCHASE AGREEMENT, dated as of April 13, 2015 (this “Amendment”), is between
American Express Centurion Bank, a Utah industrial loan company (“Centurion”), and American Express Receivables Financing Corporation III LLC, a Delaware limited liability company (“RFC III”). This Amendment amends
the Receivables Purchase Agreement, dated as of April 16, 2004 (as amended and otherwise modified from time to time, the “Receivables Purchase Agreement” and, together with this Amendment, the “Amended Receivables
Purchase Agreement”). 
 RECITALS 

1. Pursuant to Section 9.01 of the Receivables Purchase Agreement, Centurion and RFC III have given prior notice of this Amendment to the
Trustee and each Rating Agency, and Centurion has delivered to RFC III an Officer’s Certificate of Centurion, dated the date of this Amendment, stating that Centurion reasonably believes that this Amendment will not cause a Pay-Out Event or a
Reinvestment Event. 
 2. Centurion and RFC III have satisfied all conditions precedent contained in the Receivables Purchase Agreement to
entering into this Amendment and this Amendment is authorized and permitted under the Receivables Purchase Agreement. All capitalized terms not otherwise defined herein shall have the meanings assigned to such terms in the Receivables Purchase
Agreement. 
 3. 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: 
 AMENDMENTS 

SECTION 1. Amendment to Section 1.01. The definition of “Monthly Period” shall be deleted in its entirety and
inserted in its place shall be the following; provided, however, that the Monthly Period with respect to the May 2015 Distribution Date shall have commenced on March 26, 2015 and shall continue to and include April 30, 2015:

 “Monthly Period” shall mean, with respect to each Distribution Date, the calendar month immediately preceding such
Distribution Date. 
 SECTION 2. Miscellaneous. The amendments provided for by this Amendment shall become effective as of
April 16, 2015 upon occurrence of the following: 
 (a) Written confirmation has been received by RFC III from each Rating Agency that
this Amendment will not result in the reduction or withdrawal of the respective ratings of such Rating Agency for any securities issued by the Trust; 

 (b) Centurion has delivered to RFC III an Officer’s Certificate of Centurion to the effect
that Centurion reasonably believes that this Amendment will not cause a Pay-Out Event or a Reinvestment Event; and 
 (c) Counterparts of
this Amendment have been duly executed by the parties hereto. 
 SECTION 3. Receivables Purchase Agreement in Full Force and Effect as
Amended. The Receivables Purchase Agreement is hereby amended by providing that all references therein to the “Receivables Purchase 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 Receivables Purchase Agreement. Except as expressly amended hereby, all of the representations, warranties, terms, covenants and conditions of the
Receivables Purchase 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 Receivables Purchase Agreement. 

SECTION 4. Counterparts. This Amendment may be executed in two or more counterparts (and by different parties on separate
counterparts), each of which shall be an original, but all of which together shall constitute one and the same instrument. 
 SECTION 5.
Governing Law. THIS AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK WITHOUT REFERENCE TO ITS CONFLICTS OF LAW PROVISIONS, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER
SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. 

  
 2 

 IN WITNESS WHEREOF, RFC III and Centurion have caused this Amendment to be duly executed and
delivered by their respective duly authorized officers as of the day and year first written above. 
  

			
	AMERICAN EXPRESS CENTURION BANK
		
	By:		     /s/ Denise D. Roberts

			Name: Denise D. Roberts
			Title:   Chief Financial Officer
	
	AMERICAN EXPRESS RECEIVABLES
	FINANCING CORPORATION III LLC
		
	By:		     /s/ Todd N. Boren

			Name: Todd N. Boren
			Title:   President

 Acknowledged and Accepted by: 
  

			
	THE BANK OF NEW YORK MELLON,
	as Trustee
		
	By:		     /s/ Michael Commisso

			Name: Michael Commisso
			Title:   Vice President

 [Signature Page Fifth Amendment to the Receivables Purchase Agreement]

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