Tim Heine is Managing Counsel in the General Counsel’s Office (GCO) for American Express. He is responsible for managing the legal and regulatory affairs for several of American Express’s major U.S. businesses, including the American Express Card business for consumers and small businesses (and all related programs, services and operations), the activities of American Express’s banking entities in the United States, state and federal legislative monitoring and support, and the affairs of American Express Publishing Corporation. He also has oversight responsibility for major areas such as litigation, advertising, privacy, and insurance services. In addition, American Express’s Global Compliance & Ethics organization, which runs the legal/regulatory compliance programs for American Express on a worldwide basis, reports to him. Mr. Heine has also sponsored the Pro Bono Committee since its inception. Mr. Heine joined American Express in the GCO in 1983. Prior to that, Mr. Heine was associated with the law firm of Breed, Abbott and Morgan in New York City after clerking for the Chief Judge of the Federal District Court for the District of New Jersey. He is a member of the bar in New York and New Jersey. Mr. Heine attended the University of Pennsylvania’s Wharton School of Business, receiving a B.S. degree in 1977, and he received his J.D. degree in 1980 from Fordham Law School.