Certification Pursuant to
                             18 U.S.C. Section 1350,
                             as Adopted Pursuant to
                  Section 906 of the Sarbanes-Oxley Act of 2002


In connection with the Quarterly Report on Form 10-Q of American Express
Certificate Company (the "Company") for the quarterly period ended June 30,
2002, as filed with the Securities and Exchange Commission on the date hereof
(the "Report"), Philip Wentzel, as Chief Financial Officer of the Company,
hereby certifies, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002, that:

(1)  The Report fully complies with the  requirements of Section 13 (a) or 15(d)
     of the Securities Exchange Act of 1934; and

(2)  The information  contained in the Report fairly  presents,  in all material
     respects, the financial condition and results of operations of the Company.

   /s/ Philip Wentzel
   -------------------------
Name:  Philip Wentzel
Title: Chief Financial Officer
Date:  August 14, 2002