April 28, 2000
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549-1004
ATTN: Document Control - EDGAR
RE: American Express Certificate Company (AECC)
American Express Flexible Savings Certificate
File No. 2-95577
Dear Commissioners:
Registrant certifies that the form of prospectus that would have been filed
under paragraph (b) of Rule 497 would not have differed from that contained in
the most recent Registration Statement or Amendment, and the text of the most
recent Registration Statement or Amendment has been filed electronically.
Sincerely,
/s/ Bruce A. Kohn
Bruce A. Kohn
Vice President and General Counsel
