Consent of Independent Auditors
We consent to the reference to our firm under the caption "Independent Auditors"
and to the use of our report dated February 3, 2000 in the Pre-Effective
Amendment Number 2 to Registration Statement Number 333-34982 on Form S-1 and
related prospectus of American Express Certificate Company for the registration
of its American Express Equity Indexed Savings Certificates.
Our audits also included the financial statement schedules of American Express
Certificate Company listed in Item 16(b) of this Registration Statement. These
schedules are the responsibility of the management of the American Express
Certificate Company. Our responsibility is to express an opinion based on our
audits. In our opinion, the financial statement schedules referred to above,
when considered in relation to the basic financial statements taken as a whole,
present fairly in all material respects the information set forth therein.
/s/ Ernst & Young LLP
Ernst & Young LLP
Minneapolis, Minnesota
August 4, 2000
