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PAGE 1
Prospectus Supplement
December 12, 1994
Supplement to
Prospectus dated April 27, 1994, for IDS Investors Certificate
In addition to persons described on the cover of the prospectus,
this certificate is available in California, Florida and New York
to trusts organized under the laws of any state in the United
States, so long as the following are true:
o the trust is unconditionally revocable by the grantor or
grantors (the persons or persons who put the money into the
trust);
o there are no more than 10 grantors of the trust;
o all the grantors are neither citizens nor residents of the
United States;
o each grantor provides an appropriately certified Form W-8 (or
approved substitute), as described in the prospectus under
"Tax Treatment of Your Investment";
o the trustee of the trust is a bank organized under the laws
of the United States or any state in the United States; and
o the trustee supplies IDS Certificate Company with appropriate
tax documentation.
The policies and procedures described in the prospectus under "Tax
Treatment of Your Investment" will apply with regard to each
grantor.
As described on the cover and page 2 of the prospectus, rates may
vary depending on the amount and term of your investment. In
determining rates based on the amount of your investment, the
Issuer may offer a rate based on your aggregate investment
determined by totaling only the amounts invested in each
certificate that has a current balance exceeding a specified level.
The current balance considered in this calculation may be exclusive
of interest. The certificates whose balances are aggregated must
have identical ownership. The rate may be available only for a
certificate whose current balance exceeds a specified level.
The compensation to AEBI for its services as Selling Agent of this
certificate, as described on page 13 of the prospectus, is changed.
It will be as follows:
o An annualized fee ranging from 0.50 percent to 0.80 percent
of the reserve balance of each certificate, depending on the
amount outstanding for each such certificate, except that the
fee will be 0.30 percent of the reserve balance of each
certificate with an amount outstanding of $5 million or more
when the aggregate reserve balance for that certificate, and
any other certificate with identical ownership and an amount
outstanding of $5 million or more, is greater than $15
million.<PAGE>
PAGE 2
Under a Selling Agent Agreement with Coutts & Co. (USA)
International (Coutts), IDS Financial Services Inc. (IDSFS)
compensates Coutts for its services as Selling Agent of this
certificate with an annualized fee ranging from 0.425% to 0.68% of
the reserve balance of each certificate, depending on the amount
outstanding for each certificate. Under the agreement, Coutts may
only solicit additional investments by clients of Coutts who are
former clients of AEBI and who have continuously owned a
certificate since November 10, 1994, and exchanges by such clients
to other certificates, and only to the extent that the client has
the right to make additional investments or exchanges.
IDSFS has entered into a consulting agreement with AEBI under which
AEBI provides consulting services related to any selling agent
agreements between IDSFS and other Edge Act banks. For these
services, IDSFS pays AEBI a fee for this certificate ranging from
0.075% to 0.12% of the reserve balance of each certificate,
depending on the amount outstanding for each certificate.
Such payments will be made periodically in arrears.
These fees are not assessed to your certificate account.
Coutts is an Edge Act Corporation organized under the provisions of
Section 25(a) of the Federal Reserve Act. It is an indirect wholly
owned subsidiary of NatWest PLC. As an Edge Act corporation,
Coutts is subject to the provisions of Section 25(a) of the Federal
Reserve Act and Regulation K of the Board of Governors of the
Federal Reserve System (the FRB). It is supervised and regulated
by the FRB.
