497 1 s6401-2a.txt AMERICAN EXPRESS GUARANTEED TERM ANNUITY PROSPECTUS SUPPLEMENT -- December 24, 2002* American Express Guaranteed Term Annuity (May 1, 2002) S-6401 Effective December 24, 2002, we are offering guarantee periods with annual durations from five to 10 years; however, the guarantee periods we offer in the future could be different. S-6401-2 A (12/02) *Valid until next prospectus date Destroy May 1, 2003