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Supplement dated September 15, 2000* to the Prospectus dated May 1, 2000 of American Express Retirement Advisor Variable Annuity SM S-6467 C (5/00) The "Expense Summary" examples on pages 14-17 of the prospectus apply to qualified annuities. S-6467- 51 A (9/00) *Valid until April 30, 2001.
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